23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

There are two lenders involved in my complaint. I had a HELOC loan with XXXX bank that sold my loan to Shellpoint Mortgage Servicing back in XXXX of this year. This loan was actually converted to a long term loan many months earlier and we no longer have the ability to draw on that loan according to our agreement. Before even making our first payment with our new loan servicer they reached out to us looking for the first payment in XXXX. I explained XXXX 's payment was made with the first loan servicer and we have sent them proof of that payment. Each month we pay the same amount to them as we did our previous loan despite requests for different payment amounts each month, asking for mostly smaller amounts. We have made several attempts to provide XXXX with documentation that this payment was made and that we were current as of the date of the loan being sold. The original servicer has provided us with the documentation but is unwilling to contact the second directly each time telling us they can't contact them anymore and to give them a new document proving we have paid. Each time I call the new servicer they humiliate me reminding me I am late and this is an attempt to collect a debt. One lender selling a loan to the next shouldn't be my problem to fix as the problem was created in the sale of the loan. I feel I'm running out of options but certainly don't want to pay another payment to them that we don't owe them. This practice can't be acceptable and I'm asking for help.
Product: Credit reporting or other personal consumer reports

I have requested to XXXX XXXX to validate and verify the negative account they are reporting on my personal credit profile, including providing an acknowledged agreement and transaction history of how that balance was calculated. They have refused to provide this or any copies of documentation verifying this account, yet they have been willing to put this unverifiable debt on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

these unauthorized inquiries is violating my consumer rights to privacy according to 15 USC 1681b 2, and also has also NO permission to report ANYTHING using my information according to USC 1681 4. 
I need them delete this unauthorized inquiries off my credit report. 

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 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 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 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 Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Student loan

A few years back, my payment was around {$80.00} per month in a repayment plan. Then one month, with no prior notice, the payment deducted was substantially more. As stated, there was no prior notice whatsoever. I called and had to battle with them to get the payment reconfigured to an amount I could handle. Just this week, the EXACT SAME THING HAPPENED AGAIN. My payment was around {$85.00} per month and all of the sudden, with zero forewarning, the amount deducted from my bank account was {$240.00}. This is unacceptable. I am about to have my XXXX child and unauthorized debits like this can substantially affect my financial viability if it keeps happening. At least if I had a notice that the payment was being raised, I could do something about it. Maybe that 's not a big hike in amount for some people but it is for me.
Product: Debt collection

I sent a response to the AFNI Inc well within the time frame that was posted on the letter to respond. The company was supposed to validate the debt and send me the requested information contracts and supporting information to prove that I owe the alleged debt. They still reported the debt to the consumer reporting agencies. By law stated in the CFPB guidelines the Collection agencies are not supported to report info that is being investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

XXXX5 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

After careful review of my credit profile I notice that my personal information is inaccurate and needs to be updated immediately. Credit bureaus are reporting false addresses, employers and names.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, consumer, original creditor, in fact did not consent to, authorize nor benefit from any of the following account. There was no consent nor did anyone give permissible purpose for the account listed pursuant to 15 USC 1681b ( a ) ( 2 ). I have been injured from identity theft from this fraudulent activity. Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act.
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and CAPITAL ONE BANK USA with no successful resolution. All 3 bureaus are me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon CFPB, thank you for taking time to review my complaint. My complaint arises from my credit report. As I have progressed in my age and career I have made it a point to also by mindful of my credit. Likewise, several months ago I noticed that one of my three major credit scores seemed much lower than the other two. The credit agency reporting the substantially lower credit score ( difference of around 50 points ) was Equifax. When I looked into what was causing my Equifax score to be so low I noticed Equifax we reporting a collection item that had previously been removed from all three credit agencies ( a separate incident ). For some reason Equifax has now placed this collection item back on my credit report with them. The collection item in question originated from a local cable provider " XXXX XXXX '' but was sold off to a collections agency. As previously stated this collection item was erroneous and was subsequently removed. I contacted Equifax on XX/XX/XXXX and went through the claim submission process. Since then they keep sending emails that contain the " outcome '' of my claim however I am never able to log in and view the " outcome '' of the claim because the log in credentials are questions you must answer based on information Equifax has gathered on you. I can never log in because the " information '' they ask is not correct, so I can never get in to view what happened with my claim. This, coupled with the fact that my Equifax credit score is still substantially lower than the other two ( XXXX & XXXX ) leads be to believe Equifax is not fulfilling their due diligence in amending my credit score/reporting. The Confirmation number I am given from Equifax for the " results '' of my claim is # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i would like for XXXX XXXX XXXX, XXXX XXXX XXXX  and regional finance to zero out my account balances with the credit bureaus. i am not reporting them or anything. i paid off my accounts with them earlier this month and i asked the credit bureaus to send them a request to zero out the balances on the credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a notification on XX/XX/21 advising that my XXXX XXXX Account was showing 30 days past due with a XXXX balance. 

I traded in the vehicle on XX/XX/21 and the loan was paid in full by my new lienholder 10 days later. The account status updated to paid in full and closed about 2-3 weeks ago, now the creditor is reporting a 30 days past due on my credit file for an account that has been satisfied in full and closed.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/2024, and noticed some things are incomplete, inconsistent and inaccurate.and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.these accounts oXXXX XXXX acount # XXXX XXXX XXXX XXXX XXXX acount # XXXX XXXX XXXX  account # XXXX XXXXXXXX XXXX XXXX acount # XXXX XXXX  XXXX  account # XXXX XXXX  acount # XXXX XXXX XXXX  acount # XXXX, are incomplete, inconsistent and inaccurate.and according to15usc 1681s-2 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.i demand the accounts removed from my credit reports or pay me {$1000.00} per violation.stop violating my federally protected rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A personal XXXX  XXXX XXXX credit card opened at XX/XX/XXXX account number XXXX, an a personal XXXX Card opened on XX/XX/XXXX account number XXXX, an a miscellaneous account XXXX XXXX XXXX opened on XX/XX/XXXX account number XXXX, an a miscellaneous account XXXX XXXX opened on XX/XX/XXXX, an XXXX XXXX opened on XX/XX/XXXX account number XXXX, an XXXX XXXX XXXX opened on XX/XX/XXXX account number XXXX, an a personal student loan XXXX  XXXX XXXX opened on XX/XX/XXXX account number XXXX, an XXXX XXXX  opened XXXX XX/XX/XXXX account number XXXX, an XXXX XXXX opened on XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

List of incorrect addresses : 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 XXXXList of incorrect names XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts and inquiries being opened or made in my name. As outlined in 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following fraudulent accounts and inquiries from my credit report immediately. 
Fraudulent Accounts : XXXX. XXXX XXXX  XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$3800.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$920.00} Fraudulent XXXX : XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Debt collection

CASHCALL IS ATTEMPTING TO COLLECT ON THE NOTE LOAN THAT DOES NOT BELONG TO ME. IN MY NUMEROUST ATTEMPTS TO REQUEST DEBT VALIDATION OF THIS LOAN FROM 2013, RECEIVED WAS PAYMENT LEDGER THAT SHOWS DATE LOAN ISSUED AND SOME CREDIT BUT NO PROOF OF PAYMENT, NO ID, NO SS # ON THE CONTRACT, AND CONTRACT IS NOT SIGNED, DOESN'T HAVE MY SS # OR DOB OR ADDRESS. 
1-CONTRACT IS MISSING SIGNATURE 2- CONTRACT IS MISSING ORIGINATION METHOD AND WHO IS THE PERSON ORIGINATING THIS LOAN 3- CALIFORNIA STATUTORY LIMIT FOR INTEREST RATE IS 10 %. THIS IS A LOAN ORIGINATED IN CA, AT 183.06 % ISN'T THIS USURY?. 
CASHCALL RECEIVED A RESPONCE FROM ME DISPUTING THIS DEBT AND INSTEAD OF INVESTIGATING THIS MATTER THEY SOLD THIS ERRONEOUS FRAUDULENT COLLECTION TO CCI ACQUISITIONS , LLC WHO IS NOW THREATENING TO SUE ME AND GARNISH MY WAGES ... IST N'T THERE A STATUTORY TIME ALLOWED FOR THEM TO TAKE LEGAL ACTION THAT IS IF THIS ACCOUNT WAS VALID AND ACCURATE? .... 
THIS IS FRAUD ON INSTITUITIONAL LEVEL!
Product: Credit card or prepaid card

I applied American Express Hilton Honors and Delta Sky miles  Platinum Credits card. After I spent enough money in my credit cards in 90 days. They refused to give my rewards. Different CSR said different reasons. But after three month, I didn't get any notification about refusing my welcome bonus. They said that my account declined my bonus on the first week. But I don't know at all. I tried to contact them many times. But no one can give me a real reason. Also, I don't have pop window at all when I applied my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on-line to order a free yearly CLUE report. Lexis-Nexis asked me a series of questions to verify my identity. One of the questions did not have any correct answer, so I replied with the closest choice, flunking the exam, and the system would not produce the report. I was forced to call Lexis Nexis. The wait time was in excess of 35 minutes. The FCRA states that the wait time can not exceed 15 minutes. When Lexis Nexis finally answered the phone, I got a representative who I could not understand due to his fast talking and accent. I had to tell him several times to slow down and speak clearly. After ordering the report, I filed a complaint with the representative concerning the incorrect information that the website asked me and the excessive wait time. The representative could not comprehend what I was telling him, I had to politely terminate the call due to my frustration with his speech and ignorance
Product: Checking or savings account

Two Bank of America employees filed a false report to Adult Protective Services. When their claims were unfounded, they maliciously closed my account before I could. This may affect my ability to open another account elsewhere.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed hard inquires that I did not make nor did I approve anyone to pull my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX There was a new account ( XXXX XXXX XXXX XXXX ) reported to all three bureaus I have no recollection of this account opening and reporting as a Personal account. acoount has been closed with XXXX XXXX and I would like to have account removed completely off report
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account, I expect to see an original proof of the accounts that I am listing below.

Your failure to verify these accounts may hurt my ability to obtain credit, under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
Please verify and remove the following immediately : XXXX XXXX XXXX never been late XXXX XXXX XXXX  XXXX never been late
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : Account number : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.
Product: Credit reporting or other personal consumer reports

I was stunned to find inaccurate accounts on my credit report tonight and have no clue how they got there. I review my report regularly, but this time I was shocked to see unexpected errors pop up out of nowhere. Refreshing my browser didnt helpit wasnt just a glitch. The errors remained. Given this issue, I urgently request a thorough review of the documents Ive submitted to ensure this doesnt happen again.
Product: Debt collection

I sent certified mails on XX/XX/XXXX and XX/XX/XXXX to National Recovery Agency XXXX XXXX XXXX XXXX, PA XXXX. The amount is XXXX. It has shown it was delivered but they never responded back. It states this letter is being sent to you in response to a recent letter. 
This is not a refusal to pay, but a notice that the claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt.
Product: Mortgage

Hi, I like to offer your program to borrowers that need the help but my company says I will not get paid on the loan and or they approve upfront but near closing they deny. Please see below that I sent to HUD asking is the attached emails are legal or considered steering? 
I want to offer DPA programs and Texas Veteran Land Board programs but the company is making it very hard to do that and yet XXXX advertises they offer the program with full commitment but internally XXXX XXXX XXXX, XXXX, TX will remove the loan officer 's compensation if the TSAHC loans go to closing/funding since XXXX is not making enough profit. Is this legal? Thank you, XXXX XXXX, email : XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX <XXXX> Date : Sun, XX/XX/2018 at XXXX XXXX  Subject : Is this legal? Is this STEERING? 
To : XXXX, XXXX, XXXX XXXX <XXXX> I have had clients apply for a mortgage at XXXX XXXX company with the request to use XXXX DPA - Texas State Program. 

We get all the way to the closing date or close to the closing date and XXXX denies the XXXX  and forces the client to cancel at the last and loose their Earnest Money or forces them to take a 'gift ' or XXXX funds hardship removal because XXXX does not want to lose profit margin money on XXXX   applications. 

Can HUD & Texas Savings and Loan investigate the last couple of years of all XXXX XXXX Division applications for XXXX borrowers and see how many applied for XXXX, received Underwriting Conditional Loan Approval upfront based on income, etc. but later within 10 days of the constract closing date and after the Credit Aprpoval date on the Real Estate Contract 3rd party Financing, XXXX either denied to to a lack of borrower funds after XXXX reverses the approval to a denial unless the borrower finds gift funds, or other means? 

Clients are loosing Earnest Money, loosing funds on appraisals, loosing funds on inspection reports, the Realtors are loosing paychecks after working in good faith for months with clients. 

This email and instructions from XXXX XXXX at XXXX to STEER Borrowers away from DPA programs, Texas Veteran Land Board programs because the company is not making enough money so the Loan Officer can offer the product only to have XXXX XXXX STEER the clients to a more profitable loan product at the detriment of the borrower or XXXX XXXX instructions the division Human Resources department and payroll department to not pay the Loan Officer their compensation on loans that do not met his desires for revenue regardless of the guidelines for Loan Officer Compensation, the Texas Safe Act for Borrowers protection from Bait and Switch Tactics.