23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was on Forbarrance while home schooling my small child during Covid 19 and was on XXXX. Once schools reopened I took a temp job and told my mortgage company I could resume my monthly mortgage so they took me off the forbarrance. I returned making my payments and was told the lump sum was deffered. 

About 3 months into re-entering the work place while XXXX was still at its peak a co-worker came to my office sick and exposed everyone. Days later I XXXX XXXX XXXX XXXX was sent home to quarrantine. I was not allowed to return to work per state mandate until I was recovered. Unfortunately I missed almost 4 weeks without pay. So XXXX payment was mailed 5 days after the due date. 

I called Roundpoint ( the Servicer ) and explained how ill I was. They told me to send a hardship letter and that things would be ok. A few weeks later Roundpoint sent me a Default letter demanding I pay the forbarrance money back or they would forclose. The total was XXXX. I panicked and call the servicer asking for my options on the late pay. 

They told me to submit another borrowers assistance application so I did. That was in XXXX. In XXXX they sent me a letter saying I was approved for a Flex Modification and more documents were going to be mailed. Days went by and I didnt receive anything so I called to make my payment. The customer service rep told me not to make a payment until they were done with my application? 

4 more weeks go by and I called to make a payment and speak to someone about the status. I got no answers and conflicting information at Roundpoint. As of right now I do not know if they are forclosing on my home or just playing games so that I miss more payments.. I am a single mom and scared. My family has been through so much with XXXX and I am back working making more income than I did when I purchased the home 7 years ago. 
Can someone please help me. I can not loose my home. There must be some kind of mistake.
Product: Debt collection

I do not have a XXXX  account. I never had one. I do not know how this happened or why? I did not or have not applied for a XXXX credit card. 

I received a letter from Dynamic Recovery Solutions Reference number XXXX Claiming I owe {$230.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 : XXXX XXXX under the Acct # XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX Acct # XXXX opened on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

XXXX XXXX XXXXnquiry dateXXXX XXXX XXXX  Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that was closed that's still was on my credit report stating potentially negative if the account is closed nothing should be potentially negative nothing should be on my account it should be removed not potentially negative also they have an auto loan on that XXXX  credit report that does not belong to me and I keep telling them that I do not live in Virginia I never lived in Virginia I've never even been through Virginia but all of this stuff was on my credit report why is XXXX credit report not matching what the other credit bureau agencies this is a big major concern with nobody giving me answers all inaccurate stuff on XXXX they fell into remove all other credit bureaus remove the stuff because it's not me
Product: Mortgage

I received an email from a real estate agent yesterday indicating that my home is currently advertised with an active rescheduled mortgage foreclosure sheriffs sale date set for XXXX XXXX, 2018. I never received notice from Bayview Loan Servicing or XXXX XXXX XXXX XXXX XXXX about this rescheduled sheriffs sale. Also, although mortgage foreclosure prevention options have been requested numerous times by me and my attorney, Bayview has not communicated them. 
Resolution and mortgage foreclosure prevention action is urgently needed.
Product: Credit reporting or other personal consumer reports

I have tried to get my credit report twice from 2 credit bureau and I havent successfully been able to receive my credit report from equifax, XXXX XXXX and annual report every time Im trying to pull the report it shows an error I have try to contact this company but no one gives me and answer why XXXX not able to retrieve my credit report
Product: Mortgage

I am filing a complaint against Mr. Cooper regarding an incorrect payment reversal and subsequent erroneous credit reporting for my mortgage loan # XXXX. This error has severely impacted my credit score, causing a XXXX drop in my XXXX score. 

Details of the Issue 1. I have XXXX mortgage loans with Mr. Cooper : # XXXX and # XXXX. 
XXXX. I set up a new bank account for auto-pay on both loans. 
XXXX. I later disconnected this account and reconnected an old account with sufficient funds. 
XXXX. The change was applied to loan # XXXX but not to # XXXX. 
XXXX. The payment for loan # XXXX due on XX/XX/2024 was reversed from my bank account. 
XXXX. I corrected the payment manually on XX/XX/2024 when I became aware of the issue. 
XXXX. Mr. Cooper reported this as a delinquency to credit agencies without providing proper notice. 


Additional Information I was working abroad when this issue occurred, which limited my ability to immediately address the problem. I believe Mr. Cooper did not provide adequate notice of the potential delinquency, which could have allowed me to rectify the situation sooner. 

I have been a responsible borrower with an excellent payment history, and this situation was caused by a technical error on Mr. Cooper 's part, not by any intentional negligence on my part. 

I am willing to provide any additional documentation or information required to resolve this issue promptly and fairly.
Product: Mortgage

Bank of America ( BOA ) refused to refinance my HELOC into a regular mtg on 3 occasions. I have XXXX properties that are paid in full & can be used as collateral & a monthly income of {$2500.00}. The HELOC 's current balance is $ XXXX and the XXXX properties that can be used as collateral are worth $ XXXX. I 've been making monthly pymnts on the HELOC since year XXXX in the amt of $ XXXX/month... which is $ XXXX per year & now a total of $ XXXX so far paid solely to interest. Not XXXX applied to principal. This loan will never be paid off in this manner. My monthly income comes from the renting of XXXX of the properties and I reside in the other. The HELOC was taken out against the property that is being rented. I spoke to them again today ( XXXX/XXXX/XXXX ) about converting the HELOC into a regular mortgage so that my monthly payments would include both interest and principal and they informed me that when the HELOC matures in XXXX, the HELOC will convert into a regular mortgage. I am XXXX and my husband is XXXX. I fear that the bank keeps refusing to refinance my HELOC simply because they want to collect 2 more years of interest from me. On 5 different occasions I 've had some extra money and mailed it in to be applied to the principal of the HELOC. The payment coupon has a space for you to write the amt for principal only. Yet, BOA would never apply it to the HELOC at all. The additional funds sent would be held in a " floating status '' and then eventually be applied to our XXXX mortgage. How in the world can they apply funds to a XXXX mortgage account when they were to be applied to a HELOC account?!!! Each account has a different number! The pymnt coupon has everything clearly notated. There is no reason that they should not refinance my HELOC. We 've been a customer from XXXX thru XXXX with our XXXX mortgage. We made 36 yrs of pymnts & were never late. Half of our monthly income of {$2500.00} from the rental goes to the HELOC & the other half is used for food, utilities and medical expenses. We are simply trying to live our last years and be able to take care of each other. We are being taken advantage of & need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account Bankruptcy DISMSD/CLSD   XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that Bankruptcy DISMSD/CLSD CHXXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

I was under the impression payments were being received. They never called or sent a letter to me. I all of a sudden receive an email stating I owe triple the loan amount. It was my stupidity to deal with payday loans. This is criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection charge from XXXX XXXX for insurance that has claimed I owe for a snapshot device. The device I placed in the box that was provided to return this device. I placed the small item in the box they provided and put it in my outgoing residential mailbox for my route carrier from the XXXX to collect and take to the XXXX. The company is claiming I did not return the item and I disputed this collection charge with the credit reporting company and specifically asked to written documentation of the validity of this. I was told that the collection company validated the debt and this is still being reported monthly. There return container did not require me to personally take it to the post office and request a tracking # and did not provide any exceptions to assist XXXX persons like myself with any way to ensure the safe and accurate delivery and I trusted the return address that was pre labeled on original shipment. This item was returned via XXXX using the shipping label and box provided by XXXX XXXX XXXX. I would like to have this collection removed from my credit report and also to stop reporting each month. I am a XXXX XXXX XXXX  XXXX with XXXX XXXX XXXX and with no addition or any directions to insure safe and accurate return of item. I have asked for written documentation of the validity of the debit and credit reporting agencies and collection company do not provide. I am told they did not receive the item in return, I am claiming it was placed in approved prepared package. I Do Not agree with the ability of this debt and process of there word of not receiving it. This could infact have been misdelivered on the receiving XXXX persons shift or mishandled by the XXXX. This is not my fault and I completed within my ability and directions per progressive.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX - XXXX : {$1800.00} - Account # : XXXX XXXX  XXXX XXXX - Balance : {$580.00} - Account # : XXXX XXXX  XXXX XXXX - Balance : {$3100.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXXXXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Vehicle loan or lease

The account message appears as if it was a settlement. The car was totaled and the insurance had XXXX. Therefore the balance was paid in full and I had never been late on my payments. This is fraudulent information that Credit Acceptance is reporting and they have been sued for this illegal practice already.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I demanded Transunion to investigate and verify 6 accounts that was allegedly mine. I didn't receive a response. On XX/XX/XXXX I sent another response with a copy of the letter that I mailed on XX/XX/XXXX. I will upload both of those letters. I asked for those accounts to be verified in XX/XX/XXXX and I also had them put a fraud alert. During each of these times ; XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX those same accounts were still being reported on my credit report. I have yet to receive any proof of the investigation. I sent an affidavit and cease and desist on XX/XX/XXXX through first- class certified mail with return receipt and they delivery date was XX/XX/XXXX. My consumer rights have been violated and the company has violated six FDCPA laws as follow, 1. 15 U.S. Code 1681i ( A ) ( 1.A ) 2. 15 US Code 1692e 3. 15 US Code 1692g on 3 of those accounts being disputed 4. 15 US Code 1692j ( a ) ( b )
Product: Mortgage

This is not a struggle to pay mortgage, but it's the closest option from the descriptions provided. 

Based on the divorce decree, a court order was given to remove the ex-wife from the mortgage. I contacted PennyMac ( XXXX XXXX ) to start the process by end of XXXX. They asked me for the XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and 6-month Bank Statements. I sent all the required documents in XXXX of XXXX. PennyMac called me and asked me to remove the ex-wife from my personal bank then re-send 6-month statements. This required me to wait for 6 months after the removal of my ex-wife from the personal bank account. On XX/XX/XXXX, I sent the 6-month bank statements believing it was the last step, per PennyMac. PennyMac called me a few days later and asked for XXXX XXXX XXXX  ( again ). On XX/XX/XXXX, I resent the proof of insurance thinking again it would be the last step. PennyMac called me and asked for {$100.00} to be paid to finalize process. I excitedly paid the {$100.00} believing it would finally put this topic to rest. PennyMac called me again a few days later and asked for proof of residency. On XX/XX/XXXX, I sent copies of Driver License, W2, Bank Statement, and a Bank Notice. On XX/XX/XXXX, PennyMac contacted me and asked for either a utility bill or a credit card bill. On XX/XX/XXXX, I sent PennyMac a credit card bill. On XX/XX/XXXX, PennyMac called me and asked for a utility bill ( even though they gave me the option between a utility bill or credit card bill earlier ). 

I am now under the impression that PennyMac is intentionally putting hurdles in front of this process. During their calls in the last few months, they continued to offer me refinancing ( as a quicker way to process the request ). Of course I refuse to refinance during this period when rates are much higher - mine has been at around 3.275 %. I am losing trust and confidence in PennyMac and am not willing to fulfill further requests to execute the court 's order, because I believe I fulfilled all what they asked for multiple times without use.

I am not sure if this complain will help in persuading PennyMac to fulfill the court 's order especially that my ex-wife has been waiting for it so she can buy her own house. Thank you!
Product: Checking or savings account

On XX/XX/2023 I had a ACH deposit come into my account in the amount of {$25000.00} I was able to withdraw {$300.00} by XXXX And {$3000.00} over the counter at my local branch from Bank Teller They put my account on freeze saying that the deposit was too big and they needed to reach out to the depositor for verification. The depositor contacted the bank and verified the full amount and the recipient which is me : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed a list of accounts that were not verified or accurate and to remove them because they are not reporting accurately. I also demanded a reinvestigation and to provide evidence. Transunion did not furnish any evidence in the investigation. Transunion did not provide a description of how these accounts were verified. The credit report is not accurate or complete with the mentioned accounts still reporting. 
everything is still the same and according to 15 USC 1681 I they're supposed to do this treatment of inaccurate or unverifiable information and delete it.15 USC 1681 E, B they're supposed to ensure this accuracy of report and shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates which they have not. 
15 USC 1681 s-2 this is this is supposed to happen as well report information with actual knowledge of errors The accounts still in question : XXXX XXXX  Reported : XXXX XXXX, XXXX + {$2600.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$420.00} Closed XXXX  XXXX Reported : XXXX XXXX, XXXX + {$480.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX  XXXX Reported : XXXX XXXX XXXX XXXX + {$0.00} Closed DEPT OF ED/XXXX  Reported : XXXX XXXX, XXXX + {$3000.00} In good standing DEPT OF ED/XXXX Reported : XXXX XXXX, XXXX + {$1700.00} In good standing XXXX  XXXX Reported : XXXX. XXXX, XXXX {$0.00} XXXX XXXX Reported : XXXX. XXXX, XXXX {$0.00} Closed Transunion really did not do a reinvestigation or provide any details of the investigation and lied on official documents saying they did something when they did not. And I have all the evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/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 XXXXXX/XX/XXXX, these are the unauthorized and unverified inquiries made on my credit profile under experian these are a defamation to my character i am trying to buy a house. Accrording to the fcra these unverified and unauthorized items must be removed as soon as possible. transunion unauthorized and unverified inquiries are twr ln-sys XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, these are a defamation to my character as well and must be removed as they are unauthorized and unverified per the ncra. Law 15 usc 1681 ; The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
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, 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX optain my credit report on XX/XX/year> with multiple hard inquiries on my TRANSUNION XXXX and XXXX report I never applied for a loan with XXXX XXXX and I currently don't have an account with them these activities are fraudulent according to the FCRA therefore I am asking XXXX to remove the hard inquiry from my credit report.
Product: Debt collection

I have requested a validation of debt from US Bank Home Mortgage on XX/XX/2022 through Certified Mail, they have not replied with any response. It has been over 30 days, according to the FDCPA section 809 ( 5 ). US Bank Home Mortgage is in violation.