23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To : Kondaur Capital Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : XXXX XXXX XXXX XXXX, NY XXXX Re : Error Resolution Notice under 12 C.F.R. 1024.35 Mortgage Loan Number : XXXX I am writing to request Correction of the Error described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX, NY XXXX. 

On XX/XX/XXXX XXXX XXXX  XXXX transferred this loan to XXXX. The loan balance was {$300000.00}. After a legal arbitration between XXXX XXXX, XXXX XXXXXXXX XXXX and me, all settlements were made. It was then order by the court to have the mortgage reinstated. This was not done. Instead, XXXX took some payments up to XX/XX/XXXX then stop. 

On XX/XX/XXXX, the loan was then transfer to XXXX XXXX with a mortgage balance of {$290000.00}. 

On XX/XX/XXXX XXXX XXXX XXXX registered this loan with the credit bureau in the amount of {$350000.00}. This amount is incorrect and the charges added on are fraudulent. 

As per my records, payment was stopped by XXXX on XX/XX/XXXX. Therefore, the amount owed to the loan is {$54000.00}. This is the sum of 26 months of payments which when settled will consist of Principal, Interest and Escrow. 

Payment Errors : Your company rejected all payments made on XX/XX/XXXX. Please explain why this was so. 
Your company padded my mortgage balance with fraudulent charges and is still asking for {$84000.00} to reinstate my mortgage loan. 
Your company keeps adding on a charge call Property Inspection Fees in the amount of {$1000.00} per month. There is not property inspection fee as such. 
Your company asked for $ XXXXXXXXPlease provides me with a detail break down of how this amount came about. 



Escrow Errors : My monthly payment is {$2000.00} which included Principal and Interest, real estate taxes and Insurance. Therefore why are you asking for Escrow advances? 
Your company did not pay the insurance for XXXX, XXXX and XXXXyet it is included in the amount asking to reinstate the loan. I paid this insurance directly to the company. 

I have been notified by N Y XXXX XXXX  XXXX XXXX and the Hazard Insurance Company regarding payments that your company failed to pay the following expenses from my escrow account. 

Fee Errors : Your company incorrectly imposed a Property Inspection Fee on the mortgage since XX/XX/XXXX. Please provide me with a copy of such a monthly inspection report. 

Payoff Errors : Your company failed to provide an accurate mortgage outstanding balance to reinstate the mortgage. Please provide me with a detail break down of my outstanding balance. 

If you need to contact me, I can be reached ( XXXX ) XXXX or my attorney at ( XXXX ) XXXX Sincerly XXXX XXXX cc : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

I opened a Citi Bank Miles Ahead Savings Account. I was supposed to receive XXXX XXXX XXXX XXXX  miles after depositing at least {$10000.00} in funds and keeping the funds deposited in the account for a requisite period of time ( I was told by a representative that I needed to keep the funds in the account from XX/XX/XXXX to XX/XX/XXXX ). I withdrew the funds on XX/XX/XXXX. I kept the funds in the account for the requisite period of time but never received the bonus. I have used the live chat feature to discuss the bonus having been never received on numerous occasions. Finally, the representative opened an investigation on XX/XX/XXXX. The following details were provided : For your records, YOUR CASE ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We appreciate your patience and understanding during our research process. 

I have called to check on the status and each time, they say to please allow for extra time ; that the case is still pending. At first, they said it would be completed in five business days. Now they said 30 business days. Most recently, one employee said to allow for two more days. They say they have escalated my concern, but I have become convinced that they aren't doing anything. They keep punting this down the road and I am tired of it. I, along with others, qualified for the promotion and they are withholding the airline points, likely to the benefit of the company strategically.
Product: Debt collection

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from TD BANK/TARGET I cant say this more emphatically, I have never had a TD BANK/TARGET account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
Product: Credit card

Ordered 3 bags of XXXX  and an XXXX tree from XXXX XXXX  online and it never arrived and capital one charged me for it on XX/XX/XXXX after disputing it even though I had already given all the required documentation to an agent over the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX, EQUIFAX allowed an unknown source to place incorrect information on my Consumer Credit Report. On XX/XX/XXXX,  the consumer contacted EQUIFAX to inquiry about the wrong information and requested the source identity, the source was not identified. 

The consumer is requesting an investigation to identify the source who placed the fraudulent information on her credit file. The investigation should include the United States Postal Service, since the erroneous address reported is : XXXX XXXX XXXX, XXXX, GA XXXX. The consumer has never lived, owned, reported nor received United States Postal Service ( USPS ) mail at XXXX XXXX, XXXX, GA XXXX. 

Even with an existing FRAUD ALERT and XXXX XXXX XXXX, EQUIFAX allowed this incorrect information to be successfully added to the consumer 's credit file without her knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft, I sent this company all the evidence that they needed to prove that I am a victim of identity theft and that accounts were fraudulently opened without my consent or authorization, I did not benefit with anything from this accounts opening, neither do I know who fraudulently opened this account. 
I sent this company my dispute on XX/XX/XXXX. But to my surprise, up to now, this account is still showing on my report. 
For YET another time, this account is fraudulent and I need deleting from my report file asap : XXXX XXXX XXXX : Account REF # XXXX, Highest Balance {$7000.00}, Opened Date - XX/XX/XXXX I am  looking at filing a lawsuit against this company if they continue to ignore my disputes and remove this fraudulently opened account from my credit report. 
I have enclosed herewith 1. Identity Theft Report 2. Proof of identity 3. Section 605B of the Fair Credit Reporting Act
Product: Debt collection

I am filing a complaint against M & T XXXX XXXX for False Claims in Violation of 18 U.S.C.section 1001. Failure to fulfill its obligations required by Secretary of XXXX XXXX Theft of real property. Submission of false misleading & forged documents and records to State & Federal authorities. Violation of FDCPA rules and regulations. Submitted false & misleading Loss Mitigation claims with XXXX XXXX Submission of false & misleading documents and records for the purchase & sell of said property. Violated 12 CFR section 226.39 ( a ) ( 1 ). Violated 15 U.S.C.section 1641 ( f ) ( 1 ) filing false foreclosure documents & records on said property. Violated 24 CFR section 203.604, 24 CFR section 203.605, 24 CFR section 203.606. Falsely representing itself as Lender & Proprietor of the subject FHA insured obligation & fulfill its duties by Federal Laws. Under 24 U.S.C. section 203.604, 203.605 & 203.606. Submitted forged & falsified notarized Assignment of Mortgage. Falsely presenting as Mortgage assignee & Original Lender as assignor. Falsified original Mortgage note with forged & counterfeit documentations ( I have a duplicate of Original Note, agreement and/or contract ). Public Records look nothing like duplicate provided from Original Lender. Submitted false & misleading information to XXXX claimed have acquired Mortgage in XXXX. M & T Bank/Mortgage Corporation has never provided any proof, contract, or agreement on how they become involved with this Mortgage. M & T Bank/Mortgage Corporation again claimed that they acquired the Mortgage in XXXX ( No record ). XXXX  records shows M & T as Servicer. M & T doesn't show up on FHA spreadsheet until XXXX. In XXXX M & T entered a Loan Modification with Buyer that was never reported to XXXX. The Original Lender was acquired by XXXX XXXX  in XXXX. M & T did not secure the Assignment of Mortgage until XXXX. M & T used deceptive means in signing off on Assignment of Mortgage & Promissory Note. They used an XXXX XXXX  employee who falsely represented herself as an Original Lender 's employee, in actuality she is an XXXX employee who sign the Assignment of Mortgage & Promissory Note as Original Lender 's Mortgage rep. Last I filed a few FOIA requests. M & T ignored my request. Provided alternative information instead of what was requested.
Product: Checking or savings account

XX/XX/ My husband ID was falsely made with our home address, birthdate, but fake license number and incorrect expiration and false photograph. We live and work in XXXX XXXX Arkansas this man went to XXXX Missouri and withdrew XXXX in cash and XXXX XXXX in cashiers checks. We had just deposited XXXX into our account so how did they know those funds were available and how did they know the account number??? And why did the bank not call to verify a withdrawal in XXXX Missouri when we have NEVER been there. This is VERY suspicious and now these criminals have our money and know where we live and do and make and now can get loans or other cards and not only steal from us but steal our identities??? They call when a credit card transaction is high WHY would they not call when this depleted our account????
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$80.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with Bank of America Credit Card that I have had since XXXX which started since XX/XX/XXXX. Keeps kicking out the theft of card -- -- -- -- -- -- -- -- - sent new card- and still continues in XX/XX/XXXX! I have to make appoints with a financial center since XX/XX/XXXX. Takes weeks/ months to get an appointment. Not that many left open in XXXX, FL. I went from the XXXX  of XXXX until the XXXX of XXXX until I could speak with a Manager. XXXX XXXX at XXXX XXXX XXXX XXXX, @ XXXX. ( that is No longer with company ). quit! This is a mess by them. Sent me a new card and said nothing! ( Bank of America ), I reported the Credit card lost! The only thing I have been paying on is cash I took out, not informed that intrest was involved. That was on XX/XX/XXXX, for $ XXXX then card was either left at bank or stolen? Spoke with XXXX and agent from credit on phone, and said to pay on the {$1500.00} thus far. I have ever since. It was XXXX on the FRAUD team and on the call. My balance is as of today -- -- -- -- -- -- -- -- - XXXX another payment due XX/XX/XXXX, I mean are you kidding the theft was : $ XXXX when card taken ... .... Please help.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c2 - Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the fi le of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of XXXX 15 U.S. Code 1681b - Permissible purposes of consumer reports- In accordance with the written instructions of the consumer to whom it relates, I never gave bureaus written consent to report the following accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX   XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX XXXX : XXXX, XXXX XXXX ( XXXX :, XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX ( XXXX : XXXX, XXXX XXXX ( Equifax : XXXX XXXX  : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX  : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company keeps pulling my credit without my permission every month They pulled on these dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I only authorized them to pull my credit TWO TIMES. When I first applied for the loan and when I it renewal. 

This is ILLEGAL AND DUE TO THE ILLEGAL TACTICS I WOULD LIKE MY ACCOUNT CLOSED AND MY INFORMATION DELETED FROM YOUR SYSTEM. 

I HAVE SCREENSHOTS FROM ALL CREDIT BUREAUS THEY PULLED FROM! You are PURPOSELY and ILLEGALLY pulling my credit every month with out my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate how quickly you took action and how successfully you got rid of some of the bad things that were previously on my credit record. I think there are still problems with my file that need to be fixed for the time being. I thus request that all erroneous information mentioned in my credit file and attachments be immediately corrected. 
XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report specifically ( G O N E ( HR12 ) - ( BS-7 ) 999220XX ). Despite my multiple submissions, Experian consistently responds stating the account is accurate, without providing any evidence of a thorough investigation. This practice violated the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

On Thursday, XX/XX/XXXX, we were pre-approved by Supreme Lending for financing on the purchase of a home. The lender encouraged us to waive financing contingency to make our offer more appealing. The pre-approval letter provided by the lender represents that we are approved for no contingency. The pre-approval letter also shows that approval required no discount points. [ See " Pre-Approval Letter.pdf '' ] We submitted an offer without financing contingency, per the lender 's advice and guidance, and our offer was accepted on Friday, XX/XX/XXXX. 

On Monday, XX/XX/XXXX, after our offer was accepted, the lender informed us for the first time that we needed to pay a discount point on the property. This requirement was not previously disclosed and would increase our closing costs by {$20000.00}. The lender also informed us that if we did not agree to pay the discount point, they could not proceed with the mortgage. Since we relied on their advice and waived our financing contingency and the offer had been accepted, we effectively had to agree to pay Supreme Lending {$20000.00} or forfeit our substantial earnest money to the seller. Supreme Lending acknowledged that they did not inform us of the discount point requirement in advance. 

After discussing, they agreed to two concessions. First, they agreed to cut the cost of the discount point in half, to roughly {$10000.00}. Second, they agreed to re-finance us at no cost in XXXX in attempt to get us a lower rate, because even with discount points, his rate was 5.875 %, which was materially higher than the market average at the time. [ See " Lender email on discount points.pdf '' ] We closed the loan with Supreme Lending. In XXXX, we contacted Supreme Lending to re-finance the loan to a lower rate at no cost, as we had discussed. The loan originator was evasive, and refused to speak with us. He eventually left Supreme Lending. The loan originator 's team told us that they wouldn't be able to help us. 

We were able to refinance with another lender, XXXXXXXX XXXX at a significantly lower rate with no discount points, and recently closed that refinance.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the lack of response to my disputes about inaccurate information on my credit report. Over 30 days ago, I submitted detailed disputes to XXXX, XXXX, and Experian, listing the specific accounts and outlining the violations made to my consumer report. 

To date, I have not received any response from your agency. This non-compliance with the required 30-day investigation period is unacceptable and a violation of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, your company has repeatedly failed to validate a specific collection account, which is a direct violation of FDCPA 809 ( b ) as per the FTC opinion. 

Attached are copies of all the letters and supporting documents I previously sent. 

I request immediate action to : 1. Investigate and correct the inaccuracies on my credit report.

2. Provide a written response to my dispute submissions.

3. Validate the disputed collection account or remove it from my credit report.

Please address this matter urgently.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. This is your final warning. Please remove the following items listed on my fraud report & listed belowXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit profile I realized incorrect spelling and addresses in the personal section of my credit profile.
Product: Checking or savings account

XX/XX/XXXX ; Wells Fargo withdrew XXXX from my personal checking account XX/XX/XXXX ; Wells Fargo withdrew XXXX from my daughter 's personal checking account This was based on... 

XX/XX/XXXX ; my partners in XXXX XXXX XXXX ; opened a Line of Credit without my information since I left the company and was working for another employer XX/XX/XXXX ; XXXX XXXX,, CEO of XXXX XXXX XXXX ; requested settlement of the Line of Credit XX/XX/XXXX ; I came back to XXXX XXXX XXXX to shut down the organization ; requested Wells Fargo Compliance to review the fraudulent Line of Credit account since I never signed the agreement; this is when I discovered someone applied my electronic signature, so I requested a log of how this electronic signature was obtained. 

XX/XX/XXXX ; XXXX XXXX XXXX received noticed from compliance that the LOC was closed ; and they sent a check to XXXX XXXX XXXX for the inconvenience regarding this matter XX/XX/XXXX, I requested that the LOC be written off the books for XXXX XXXX XXXX since this smatter was settled XX/XX/XXXX ; I shut down the XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX, I received settlement letters from Wells Fargo for the Line of Credit for {$5000.00} ; I ignored based on the understanding this matter was closed XX/XX/XXXX, I received a letter from Wells Fargo collections XX/XX/XXXX ; I requested a review of this matter ; Wells Fargo told me to get legal representation XX/XX/XXXX until XX/XX/XXXX ; I tried to find someone to help and did not know where to begin to request help; until I heard about consumerfinance.gov on the radio
Product: Credit reporting, credit repair services, or other personal consumer reports

at XX/XX/XXXX ... I made a request to XXXX XXXX XXXX through it's representative XXXX XXXX XXXX to delete an executed second mortgage account from my credit report as charge off, because since XXXX, this property has been executed. 
I made a successfully claim to XXXX XXXX Credit report company ... and they update correctly my information. 
However, I made the same request to Equifax company, and the didn't want to proceed in accordance with my current situation.So any of this two companies don't report my situation accurate, despite I'd have bring to them all the legal documents that show the foreclosure of my old home. 
Equifax confirmation request # is:XXXX I'll appreciate your assistance and intervention in this matter ... .thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. 
This has caused me financial injury. 
This has caused me defamation of character. 
I can't get a job. 
I can't get a loan during this pandemic. 
You have hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX  AUTO XXXX BALANCED  {$20000.00} XXXX XXXX  XXXX BALANCED {$6000.00} XXXX XXXX XXXX BALANCED {$6500.00}
Product: Credit reporting or other personal consumer reports

Its really frustrating to know my XXXX XXXX has been suffering because of accounts that arent even mine. Its been weighing on me for a while, and I cant help but wonder what opportunities Ive missed because of it.