23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I, XXXX XXXX daughter of my deceased XXXX XXXX XXXX XXXX ( mortgagor ) inheritance of my mothers XXXX. Lender ; XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. Wrongful Registration of Loan Modification Agreement ( XXXX ) XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX. XXXX was transferred to XXXX XXXX XXXX XXXX, on XX/XX/XXXX,. XXXX XXXX XXXX XXXX XX/XX/XXXX. The first XXXX " Security Instrument '' and " NOTE '' Originated DEED OF TRUST { XXXX {$500000.00} } XX/XX/XXXX " Borrower '' XXXX XXXX XXXX a ( widow ) registration by XXXX XXXX XXXX XXXX XXXX  XXXX Hundreds of thousands of mortgage payments posted since XXXX up to current date has been miscalculated by XXXX ; XXXX XXXX pattern of misrepresentation, deception of unfair business practice, generated a pay off demand notice XX/XX/XXXX for an amount of {$750000.00} is incorrect. Corporate Advance fees of XXXX over {$40000.00}, XXXX XXXX fees XXXX {$44000.00}. Unfortunate, my spouse XXXX XXXX in Bankruptcy XXXX XXXX continue to make payments to the mortgage loan, over {$30000.00} paid into loan # XXXX where the full {$30000.00} are not applied to the loan. XXXX XXXX is in Violation of The Fair Debt Collection Act, all federal and state regulations for mortgage fraud.
Product: Credit card

I hope this letter reaches you in good health and spirit. The reason why Im writing is because I want to complain about when I call and talk to agents about my Discover credit card regarding the balance transfer what do I need to pay on top of the minimum payment to avoid interest they are not giving me the correct information. They are giving misleading, confusing and wrong information. Im really just calling to clarify to make sure so my payment I just made was {$150.00} the minimum payment {$130.00} plus {$20.00} of a purchase to avoid interest on this cycle of XXXX. I called to clarify one agent gave me the wrong information said I need to pay my full balance without paying attention to the details of my account so then I ask to speak to a supervisor told me that I needed to pay {$6000.00} and something but that is the balance transfer that is under no interest for a year with the promotion she also told me its hard to avoid interest on a credit card its always a chance you can get charged interest which that isnt true either. I got so frustrated I hung up the phone. I called back and requested to speak to a supervisor and she told me that in needed to pay the minimum payment plus the balance transfer fees and the transaction/purchases I made but I told her the fees were paid with the balance transfer which isnt due until a year from the balance transfer date to avoid interest. I believe the {$150.00} payment is correct but your agents and supervisors needs to be more aware of my questions and how balance transfer work with promotion plus transaction/purchases to avoid interest. I just wanted clarification and they confused the situation even though I believe I understand what Im doing and the very first agent that explained to me when I made my first payment of {$800.00} something right after the balance transfer explain to me correctly. The agents I spoke to that gave me different confusing information makes me not want to ever due the balance transfer again. I know my transactions/purchases have a promotion on the interest but I still want to avoid interest all together so I know I need to pay minimum payment plus anything purchases I made in that billing cycle and I just wanted to be reassured. Can you please clarify if Im doing it right and the payment I made for XXXX of {$150.00} is correct? I also want to complain that on XXXX my debt card with Discover was having technical issues I was not able to pay for my sons Birthday cake by XXXX XXXX certain time for a deposit on the cake for the specialty cake to be made and my sons Birthday was Monday XXXX and he turned XXXX. He was very disappointed. I been a customer for several years and I deserve great service. Hopefully going forward this will not happen again. Thank you very much for your time. Have a wonderful day and please continue to be safe.
Product: Mortgage

Mr. Cooper Mortgage company has received all my payments since XX/XX/2019. On XXXX I received a notification that say I did not make my payment for XXXX. 
I contacted their costumer service and emailed them the copy of my electronic payment through XXXX  XXXX XXXX. They didn't clear the records so I called again and they request I mailed a copy of my bank XXXX statement as a prove of payment. I emailed and mailed the copy of my XXXX Bank statements showing my payments cleared. Since no changes in my balanced were shown I called again and then they request a copy of my XXXX statement to prove the payment was not returned or decline. I sent the copy of my XXXX statement that proves my payments for XXXX and XXXX had cleared the bank and had been cashed by Mr. Cooper Mortgage company. 
Then they say they need to make a phone call to the bank with me on the phone to prove the payments. I agree to this but the called has never been made by their representative. In the mean time I keep receiving mailing with late notice and no payment from Mr. Cooper company and threats to send my case to a collection agency. 
I have been in contact with their Escalation Specialist Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX, He has no been of any help. 
I dont know what else to do to protect my credit record. I have done nothing wrong. Help! 
You can contact me by phone or email if you need any documents.
Product: Credit reporting or other personal consumer reports

I am submitting a follow up to dispute these remaining entries as a result of erroneous information reporting. The disputed items are not connected to any transactions that involve the acquisition of goods, services, or money that I have conducted or authorized. Please proceed with the removal of these entries from my credit report, as they arose from inaccurate reporting. These entries are unfamiliar to me, and I have concerns about their accuracy since similar entries have been deleted by other credit bureaus. As mandated by FCRA 605B ( c ) ( 1 ) ( C ) concerning the authority to decline or rescind inaccurate information, I request the following entries be removed. 
XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- -- -- -- -- -TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these items in my credit file that resulted from an alleged erroneous information reporting. I appreciate your prompt attention to this matter and await your reply.
Product: Debt collection

I was in middle of buying a home and the title company found a judgement against me that was n't on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I went on to a couple car sites and used their prequalified method to see if a Vehicle I like what my rates would be. Long story short these people have shopped my report to Multiple places and now people are calling me to purchase a car. This is violation or my credit report and personal information being shopped to vendors without my consent nor knowledge. Please delete the state inquiries below, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never authorized any of these credit inquiries on my report.
Product: Credit card or prepaid card

12 CFR 1026.21 Treatment of credit balances ( a ) Credit the amount of the credit balance to the consumer 's account ; ( b ) Refund any part of the remaining credit balance, upon the written request of the consumer; and ( c ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than 6 months, except that no further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. 

Bank Of America is liable and held accountable under CFPB regulations under 12 CFR 1026.21 to return to me as demanded in writing a full return of Credit Balance and limit payable by cashier 's check to address given and failure to do so will result in WILLFUL ILL-WILL and Federal Violation against I the original creditor and protected consumer.
Product: Debt collection

CMRE Financial Services is not reporting accurate information to the Credit Reporting Agencies. I have paid the debt owed to this company, and they continue to falsify information and report that the debt has not been paid.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report today. XXXX XXXX XXXX, I noticed the information given is incorrect and is affecting my credit score. According to the fair credit reporting act, whenever a credit reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum accuracy. The accounts displaying inaccurate information are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also according to 15 USC 1681s-2A A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable belief the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Equifax is reinserting previously deleted items to my credit file such as a judgement after it 's been deleted as well as other accounts. I also have a split file where XXXX different reports are being provided. This has been confirmed through separate lenders having seen different reports on XXXX separate pulls. They refuse to acknowledge that split files are possible or that I have one even though lenders are seeing it.
Product: Credit reporting

Date : XX/XX/XXXX To Whom It May Concern : TransUnion XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. And correct my personal information As you will see bellow, my correct identification information for your records : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been living here since XX/XX/XXXX Please update my personal number to my credit profile XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX this is an old address ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXXI have also please delete not my address included the following minimum XXXX proofs of my current mailing address Sincerely, Name : XXXX, XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX XXXX COLONY XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15USC 1681 Can not furnish an account with out my written instruction. I gave no instruction for these accounts to be furnished to other agencies. Futhermore, there are tons of inaccuracies in my credit reports from XXXX bureaus XXXX, Transunion and XXXX. Accounts listed as open when are closed, accounts with inaccurate account numbers as well as Dates accounts opened. Collection accounts that were deleted but reinserted without NOTICE to me ( the consumer ) XXXX  XXXX XXXX  ; acct # XXXX XXXX XXXX  ; acct # XXXX XXXX  XXXX ; account # XXXX XXXX XXXX ; acct # XXXX XXXX XXXX XXXX ; acct # XXXX XXXX XXXX XXXX  ; acct # XXXX XXXX  ; acct # XXXX XXXX  XXXX  ; acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX ; acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX  ; acct # XXXX XXXX  ; acct # XXXX XXXX  ; acct # XXXX XXXX ; acct # XXXX NONE OF THESE ACCOUNTS ARE FULL ACCOUNTS, THEREBY, THESE ACCOUNTS ARE NOT LISTED AS ACCURATE AND IN COMPLIANCE with the FAIR CREDIT REPORTING ACT 15USC 1681
Product: Student loan

While I was attending XXXX university XXXX XXXX XXXX XXXX XXXX XXXX XXXX because my grandmother was diagnosed with XXXX and I was her primary caretaker while she was on XXXX  I have told them that and they still charged me almost XXXX XXXX even though I drop out as soon as I possibly could I try to pay it but it was too much especially for a XXXX XXXX who was taking care of her grandmother then Williams and fudge was very rude to me still I suffered from not having this transcript and they did try to help my situation
Product: Mortgage

My wife and I purchased a home with assistance from the Maryland Department of Housing a few months before the real estate market crash. After house prices crashed as well as interested rates, and since our family grew my wife and I moved our family to a more appropriately sized house, in better neighborhood with better schools and with significantly better terms. We rented, maintained the home in a respectable manner and made all of the related mortgage payments. Four years later we were informed by the Maryland XXXX XXXX XXXX that we were required to sell the property because it was no longer our primary residence, at what was currently a significant loss. We could also move back in, though considering our situation was unreasonable. We are unable to pay into the loss on the property due to our financial situation. We requested a Deed In Lieu with the hopes of signing the house to the lender without a deficiency judgement, which we considered reasonable considering the situation. The mortgage insurance company requested an unreasonable sum of money in order to proceed with the Deed In Lieu, which we are unable to afford. We requested better terms, however, the mortgage company and Maryland Department of Housing has proceeded to foreclose on the property and has stopped working with us on better terms. We feel that they have negotiated in bad faith with us in settling this situation without a foreclosure.
Product: Mortgage

My complaint is with freedom mortgage. Loan number XXXX. My sister and I are trying to come out of forbearance due to covid. This process began last XXXX. My sister lives in another state ( NV ) I live in Massachusetts. In XXXX Freedom mortgage sent us a renewed payment amount for a partial claim forbearance plan which was {$400.00} less than our current payment. We were very excited. We filled out all the necessary financial info on their website. It was accepted and they sent us the loan modification packets to be notarized. Even armed with the knowledge that 2 different pamphlets would need to be notorized ( one for my sister in NV and one for me in MA ) they continually sent both packets to me. In the interim, the offers were deemed void because they became date obsolete. No less that 75 phone calls with Freedom have been made and received since last XXXX. They then sent a second set of packets to be notorized to both my sister and I to be notorized on the exact same date in 2 different states. Then submit them. We did that. The notary company that Freedom contracted out to come to my home showed up. We went through the process, she then left with my packet secure in a XXXX XXXX overnight envelope. Freedom claims they received my sisters but not mine. Again, the new offer lapsed because of the time limit. In XXXX, we were put through the process again and a much higher payment was now offered. {$1700.00}. I had my packet notarized and they received it. It was rejected on the basis that only one of us signed the packet even though they told me my sisters portion was on file and accepted.. Again, we reside in different states and the company is fully aware we can not be in the same physical location to both notarize a single packet. This entire time I have been making my payments. One month ago, they sent another packet. This time my payment on the new offer has ballooned to {$2100.00} a month. This payment is now larger that pre-covid and untenable for me financially. I am completely lost. They are starting pre-foreclosure with me now. Im asking for them to honor the first offer which is doable. I have only been able to speak with the same representative one time in at least 75 calls.. They say they are only loan servicers and not decision makers. Please help me. I dont know where to turn. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this XXXX report but the Accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never lived at these addresses and I do not know these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$420.00}
Product: Credit reporting or other personal consumer reports

I requested for Experian to remove several accounts off my credit report they have not sent information at all that I havent requested asking them to validate this is my account asking send paperwork. I requested information from them XX/XX/XXXX they keep coming back saying account is verified without paperwork from the company XXXX {$0.00} account open XX/XX/XXXX account charged off reporting balance XXXX XXXX {$0.00} account open XX/XX/XXXX account charged off reporting balance XXXX XXXXXXXX {$340.00} account open XX/XX/XXXX account charged off reporting a balance XXXX XXXX XXXX  {$680.00} account open XX/XX/XXXX {$680.00} account charged off reporting balance XXXX XXXX XXXX {$1500.00} account open XX/XX/XXXX {$1500.00} account charged off reporting a balance
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent letters regarding inaccurate and unknown items on my credit report. To this day, over 30 days later, I have not yet received a response. In accordance with15 USC Section 611 ( a ), failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Additionally, in accordance with 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ), the credit bureaus are to have all investigations completed before the expiration period under section 611 ( a ) 1. As it has been over 30 days, these items should be deleted immediately. Also, in accordance with 15 USC 1681 Section 602A States I have the right to privacy and 15 USC 1681 Section 604 A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions. 

Tracking Numbers XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE THE ATTACHED LETTERS THAT WAS SENT LAST MONTH TO MIDLAND FUNDING. I AM ASKING FOR VALIDATION BECUASE THIS ACCOUNT DOES NOT LOOK FAMILIAR TO ME AND I HAVE BEEN COMPENSATED FOR A DATA BREACH SO THIS MAY BE THE CASE. ALSO, I DONT SEE THAT MIDLAND IS LICENSED IN THE STATE OF TEXAS TO COLLECT DEBT. I CAN BE WRONG BUT PLEASE REFER TO THE LETTER AND PROVIDE THE REQUIRED INFORMATION. IF NOT, PLEASE CONTACT THE BUREAUS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS IMMEDIATELY. EITHER WAY, I AM EXPECTING A RESPONSE REGARDING THIS ACCOUNT. PLEASE SEE THE ATTACHED LETTERS DATED AND TIME STAMPED FOR YOUR REFERENCE.