23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I entered into the process of taking out a mortgage with Co/LAB Lending from XXXX XXXX XXXX XXXX in order to purchase a home which we had an offer accepted on. Early on in the process, I was gold by the mortgage broker that my interest rate was locked in at 5.25 % ... About XXXX weeks before closing, I received a call from the broker stating she had made a mistake, and did not lock in my mortgage rate. She claimed it was too late to go back and lock in the rate I thought I was receiving, and she cautioned that rates were continuing to drastically rise ... She claimed she gave up all of her profits to get me close to the rate I anticipated, but my rate still went up to 5.75 %, which is a significant amount and was not in my budget. The company refused to take any other actions to get my mortgage back to the rate I was told was locked in, and that I had budgeted my entire home buying process around. This company has been very difficult to work with, as the loan processor often also didn't correctly handle details he was given. For example, he was told multiple times that I would not be escrowing my homeowners insurance and taxes with my mortgage, yet multiple forms of paperwork received by him did not indicate that. He also sent out via email a crucial document at XXXX p.m. on a Tuesday which needed to be signed that day or my closing would be delayed. He also never texted or called me to let me know that document had been sent. Because I was engaged in other things and not checking my email frequently that late in the day, and had no idea the document was coming or the time sensitivity associated with it, I almost missed receiving the document. I also had questions before signing it, but was able to get the broker via her cell phone about XXXX that evening to answer the questions. But the mistakes by this company are not acceptable, particularly when they're costing me thousands of dollars more when I was told the interest rate was locked in.
Product: Debt collection

Calls my employer everyday and asks for me and plays the recording saying they are a debt collector trying to collect a debt
Product: Credit reporting or other personal consumer reports

The account doesnt belong to me. Ive asked for the original contract years ago with no response.
Product: Debt collection

i pulled my credit on XXXX XXXX and to my surprise the collection item from CMRE Financial services has listed a collection for XXXX XXXXXXXX XXXX. for {$330.00}. I have no ideal what this is for and when i call they say they can not find any record of this under my name, social security # or date of birth. But said i had to figure it out because they can not remove or correct even tho they have it posted on my credit report ( s ) ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute on a late payment due to COVID-19 I lost my job. I have contacted XXXX serval times to deal with this matter. There is an incorrect error on my credit report saying I have had one late payment in XX/XX/2021. According to my payment history I have never missed a payment on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit card

On repeated attempts I have submitted to Capital One Bank to remove late notices on all XXXX of my credit reports for the time period of XXXX XXXX to XXXX XXXX as my payments were made to a credit counceling company who paid Capital One directly. Prior to XXXX XXXX and after XXXX XXXX payments to Capital One have been in good standing. I have spoke to different representatives of Capital One who have informed me they would remove these marks. I have held the card since XXXX XXXX and have not used the account for multiple years.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate. According to the fair act credit reporting act whenever a consumer reporting agency prepares a consumer report it shall be follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whon the report relates. 

Creditor Name : Original Creditor XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Creditor Name Date of inquiry XXXX XX/XX/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 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 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 XXXX XXXXXX/XX/XXXX Can you look in this matter Delete these accounts of my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted an identity theft complaint to XXXX identifying an account that appeared that did not belong to me. This was submitted under Rule 605B and I noted the 4 business day requirement. I also spoke to the company who reported the account and they confirmed it was identity theft and they immediately submitted a request through XXXX to remove the account from my credit file with confirmation number XXXX. To date, XXXX has not removed the account despite my identity theft report with all supporting documents AND the reporting company requesting that it be removed as well, nor have they sent me anything stating they would not block the information. This is severely impacting my credit rating and it is in direct violation of the FCRA and Rule 605B. I have spoken to XXXX twice about this, and they say they have no way to confirm the confirmation number from the company and are generally rude about it. They are treating this issue as a regular dispute when it is not at all, and was clearly outlined in the letter I sent to them. 
I also sent them an initial letter on XX/XX/XXXX with a list of information and inquiries that were not from me and the result of identity theft. They did not do anything with the letter despite it being received on XX/XX/XXXX until XX/XX/XXXX when I called to inquire why they had not processed it. The agent I spoke to ( XXXX XXXX said she did not have an explanation because I submitted everything that was required, and she was able to remove several of the inquiries while on the phone with her. The XXXX XXXX account appeared on XX/XX/XXXX, but XXXX advised that I needed to resubmit the documents and a new FTC report on that account to experian.com/uploads. I did this while on the phone with her. 
For Transunion and XXXX, they also have the information about the fraudulent accounts and the identity theft report along with all supporting documentation. TransUnion has removed inquiries but not the accounts. XXXX has done nothing at all. The lack of action or notification is also a direct violation of the FCRA and the Rule 605B regulation.
Product: Credit reporting or other personal consumer reports

I did not consent nor benefit from or authorize any of these following accounts
Product: Debt collection

Already disputed on XXXX  Credit and it was removed XX/XX/18. It has appeared on XXXX Credit report
Product: Debt collection

Central Portfolio is reporting a collection account on my reports that I have been disputing for a while now. 

I sent them a letter on XX/XX/2023 requesting validation of this debt and I have not heard anything back. 

Per the FCRA, the consumer reporting agencies have 30 days to complete their investigation in receipt of my dispute. It has been well past 30 days and have not received any type of communication back. 

How are they able to report this account on my credit reports as valid when they have not responded or provided any valid proof to me? 

I am requesting that this account is deleted from my reports as they are in violation of my rights as a consumer to have accurate and valid information on my credit reports and right to dispute!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries tha need to be removed Include : XXXX XXXX, XXXX XXXX, XXXX, XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2007 WELLS FARGO BANK.N.A. Committed loan fraud. 
XX/XX/2007 Wells Fargo sent crafted uniformed instrument documents to sign - exhibit- A as a security agreement endorsable for funds. 
Wells Fargo clearly makes a statement that a loan was made, this is false. 
Wells Fargo does n't and has not shown any accurate records according GAAP where the said loan came from after repeated inquiries. 
Wells Fargo has cleverly crafted the reading to make you believe that a loan was made to you. The wording usually goes like this in the beginning of the contract : " In return for a loan that I have received, '' I promise to pay .... 
Wells Fargo brought nothing to the table as collator for a loan. Wells Fargo even required XXXX Dollars just to get the loan papers brought me to sign, which I paid. 
Then Wells Fargo took the created a securitized note with my signature and stole it to XXXX or Stole it as a derivative on the stock market. Either way Wells Fargo did make a loan but made copies of a securitized promissory notes and has a past practices of selling them as toxic loans to other investors.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are stating that my XXXX XXXX XXXX XXXX account is showing a status of " consumer disputes, consumer disagrees. '' I am not disputing or disagreeing with this finding.
Product: Debt collection

Im In the process of repairing my credit and this company has been pursuing me to pay a debt. Which, I have no contract with them, not to mention they have accurately responded to my request for validation.This company is in violation and not license to collect in the state of Florida.Ive previously brought this to the attention of Credit Reporting Agencies as well, Ive even recently filed a complaint with  the XXXX  and attorney general. in which, they company lied stating they have resolved my concern. However, I havent heard from anyone plus their in violation. Im requesting for this company to remove this item from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to several items on my credit report that I believe are inaccurate and damaging to my credit score. I have discovered late payment accounts, charge off accounts, and collection accounts listed under my name that I do not believe belong to me. 

Specifically, I dispute the following items : XXXX XXXX XXXX XXXXXXXX late payment account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX  collection account XXXX XXXX XXXX charge off account XXXX  XXXX XXXX charge off account XXXX XXXX XXXXXXXX charge off account XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX collection account I believe these items are inaccurate and damaging to my credit score. I have never had any accounts with XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXX XXXX and I have no record of ever opening accounts with these companies. Furthermore, I do not recall ever having accounts with XXXX XXXX or XXXX XXXX that would result in charge off accounts. 

I would like to request that these inaccurate items be removed from my credit report immediately. According to the Fair Credit Reporting Act, credit reporting agencies have an obligation to report accurate and complete information, and must investigate any disputed items. I am exercising my rights under this act to dispute the inaccurate items on my credit report. 

I have also enclosed copies of documents that support my dispute, including copies of my credit report, bank statements, and any other relevant documentation. I would appreciate your prompt attention to this matter, and I look forward to hearing back from you as soon as possible. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian via mail to verify the accuracy of an alleged bankruptcy listed on my credit report. Experian responded that the information was collected from XXXX and from the US Bankruptcy Court. I called Experian, and was too informed that the aggregator of public record information, specifically bankruptcies, for Experian is XXXX. Also Experian 's website lists XXXX as the source of all bankruptcy information listed on consumer reports. I pulled the copy of my credit report, provided to my by Experian and shocked to see that the SSN number listed for me was too incorrect. Appalled by the inaccuracy of this damaging information being reflected on my credit profile, I contacted XXXX. Upon investigation, XXXX deleted information from my consumer report, and therefore sent copies of their investigation findings from my consumer report to myself and Experian on XX/XX/2021. Experian 's reinvestigation came back as verified on XX/XX/2021. Experian directed me to contact the furnisher of the information from the public record source listed on my consumer report. Since Experian has thus changed the source used in their investigative findings, I also contacted the number listed on my Experian consumer report to verify the information that Experian received upon the completion of their investigation. The number listed on my consumer report for the US Bankruptcy Court is some person 's personal cell phone number. Being that is so, how was this information verified by Experian? In addition, every letter that I have sent Experian has the last four digits of my SSN number listed. How was this information verified if the number listed on my credit report is different than my SSN? I have sent multiple certified letters to Experian with my correct consumer identifiers to ensure of accuracy of myself, and so that Experian can too match this information to what they have on file in my consumer report. Section 611 ( 6 ) ( B ) ( iii ) of FCRA states that a description of the procedure used to determine the the accuracy and the completeness of the information shall be provided to the consumer by the agency including the business name, address and telephone number of such furnisher. Since this information can not be verified, the FCRA states that this information must be promptly deleted. I have highlighted the inaccuracies on my attached credit report that I received directly from Experian after their investigation.
Product: Mortgage

I was unable to pay my US bank Home mortgage payment of XXXX online today ( XX/XX/2019 ), as I usually do every month. When I called the customer service number provided at XXXX, I was transferred to the online banking department who informed me that I would no longer be able to pay my mortgage payments online due to updated compliance regulations for borrowers that had a previous bankruptcy. I stated that the bankruptcy over 10 years ago and my mortgage was reaffirmed in the bankruptcy. Also we never missed a payment on our mortgage even during the bankruptcy. I further stated that I was NEVER notified in writing by US Bank Home Mortgage of this change in policy. The representative told me that I could pay a XXXX fee to pay through the automated phone system, or I could pay XXXX fee to have her process the payment. I asked for a supervisor who did eventually waive the fee to pay online, but I would like an answer as to why I was never notified in writing of this change in policy? I feel that this policy is a extremely discriminatory and bias especially since we NEVER missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX/XXXX XXXX ; XXXX/XXXX XXXX ; XXXX/XXXX  XXXX ; XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified inquiry listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this inquiry completely from my Credit Report : XXXX XXXX Inquired on XX/XX/2021 2021
Product: Credit reporting

For the second time now Equifax has had my credit report disputes under investigation for more than 30 days with no results. They have not sent the results or changed the pending status on two separate occasions. These items must be deleted per the FCRA laws, I should not be subject to an additional 30 day wait for a dispute that I have submitted legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out letters to equifax asking for who am I supposed to be disputing with or paying and they have not provided any information on these accounts. 

I have no idea which collection I am supposed to pay if I do not know who the collection company it is.
Product: Mortgage

About a year ago my Mortgage service changed from the company that I took my loan out with ( XXXX XXXX XXXX  ) to Flagstar bank. I didn't think much of this at the time but Flagstar bank has some predatory practices that are highly unethical ; if not totally illegal. Anyhow, recently I got a letter saying that my escrow account balance was short and that I needed to pay more to make up for the shortage ( of {$520.00} ). I thought about it, and having cancelled my escrow account before with a XXXX XXXX XXXX XXXX  for nothing and receiving a check for the balance of my escrow account on that previous occasion and then handling my own taxes and insurance, I oped to do the same. 

The problem came when I called the Escrow account call center division of Flagstar Bank and I was told by an representative named XXXX, managed by XXXX XXXX ( who was not available at the time to speak to me ) that the escrow account cancellation policy comes with penalty fee that is calculated by how much a lessee still owes on a loan. I did not like hearing that. When I asked him how much my fee would be he said in my case is would be almost {$500.00} and then they would send back the balance of my escrow account. 

This is wrong and what makes it worse is that I never asked to do business with Flagstar Bank and abide by their polices and alike. I don't want to do any more business with Flagstar Bank than I have to ; hence not wanting them to handle my taxes and insurance. And the fact that they are discouraging that with a fee/fine is proof that something is not right.
Product: Mortgage

ok. our mortgage company is amerihome mortgage. we have been struggling with them for almost 2 years now to be put into another payment plan. the first one we were in we had it all paid off and the last payment they returned and kicked us out of it. so since then we have been filling out packet after packet of paperwork, writing letter after letter of hardship, submitting countless bank statements, proofs of incomes and jumping through all of these hoops just to get some help from our mortgage company. we are even working with a hud counseling agent to help us with the process and getting nowhere but deeper in debt with our mortgage company. im finally at to where i could start making payments if they just put us in a payment plan already. now our home is in foreclosure. the first set of attorneys the mortgage company had is now being sued. we tried to make payments to the mortgage company and they denied us and referred us to the attorneys. tried paying them and they turned us down. now they are being sued. second set of attorneys have sent paperwork introducing themselves and nothing more. during all of this, we had make a couple of payments through the automated system of the mortgage company and they took it. we have proof on our bank statements. now all we want is from them to help us and place us in a payment plan to get us back on track.
Product: Credit reporting or other personal consumer reports

I paid my balance in full on XX/XX/2023, of XXXX dollars. The rate was readjusted as if I never paid the balance and there is a delinquency notice on my credit history.
Product: Debt collection

This is Not my. Debt please send me the original. Documents and copy. Of identification of proof. Please. Deleted off of my credit report asap 15 U.S.Cs 168 federal credit reporting act n accordance with the Fair Credit Reporting act PORTFOLIO RECOV ASSOC Account number XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions