23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

ISSUE : My old mortgage company will not give me the certificate of lien release to show that they were paid in full for the 1st lien. This is preventing me from refinancing my second mortgage/lien. 

Explanation : My home address is XXXX XXXX XXXX, XXXX, MD XXXX ( some people use XXXX  as the city ). My home is located in XXXX County, Maryland. I originally purchased my home on XX/XX/XXXX. My original lender for my first lien was XXXX XXXX ( " XXXX '' ) and they [ XXXX ] transferred my loan to First National Bank of PA ( " FNB '' ). The deed is currently under XXXX XXXX 'XXXX  name as filed with the land records dept. in XXXX County Circuit Court. I refinanced my home 's 1st lien only and closed on the refinance on XX/XX/XXXX. After I refinanced my 1st lien, I then attempted to refinance my second lien/mortgage but was told I can not do so until I have the certificate of lien release showing that XXXX XXXX or First National Bank of PA was paid in full. I then called First National Bank of PA the end of XXXX XXXX and informed them that I need a copy of the certificate of lien release. I was informed that the paper work was being processed and I should call be back next week. I then called them [ FNB ] back next week and was informed that they ( FNB ) sent my paperwork to XXXX County Land Records Dept. on XX/XX/XXXX for filing. I then called XXXX County Land Records on and was informed that they did not have any documents from FNB or XXXX. I was told to call back in a week. I called land records again today on XX/XX/XXXX and was informed they still never received the certificate of lien release from XXXX or FNB. I need assistance because I am unable to refinance my second mortgage/lien without the certificate of lien release. I was informed the paperwork was sent on XX/XX/XXXX but land records confirmed they have no backlog or delays with processing/filing documents and they said they received no paperwork from FNB or XXXX.
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my XXXX XXXX. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my XXXX XXXX, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

The items in dispute are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The account listed below are inaccurate. I did not consent to have the accounts listed on my report. 

Account Name Account Number XXXX XXXX US Dept ED XXXX DeptedXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, Stevenson v. TRW ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed XXXX ( CFPB ) has recently filed a lawsuit against Experian XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert today that my credit score had changed. Upon logging into my account, I noticed that a new collection had appeared from Midwest Recovery Systems LLC. for an  unpaid amount of {$210.00} from XXXX. I was never notified of debt owed and after researching this company, this appears to be an extremely common reoccurring issue. This incorrect debt is being reported to two of the three credit reporting agencies and negatively affecting my credit score.

I am in the process of disputing this debt collection and recovering my credit score, however the fact that this is a known issue, a fraudulent company, and horrible business practices, makes me want to report this as soon as possible so something can actually be done to stop it.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Informa
tion, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Mortgage

I took out a reverse mortgage several years ago. I still live in my home which I purchased almost 29 years ago. Each year the mortgage company - PHH Reverse sends me a Certificate of Occupancy and I have filled out the form and returned the form to PHH in the envelope provided. I received a Notice of Default in XXXX of this year ( 2023 ) which demanded that I pay the entire outstanding balance of my mortgage ( reverse mortgage ) to cure the default. I tried calling PHH several times to see what the basis for the default was. I was unable to get any information or resolve the issue so I have had to hire an attorney. I just learned last week that the reason for the default was that the lender determined that I " was no longer an occupant '' because they had not received the certificate of occupancy form. I looked on the PHH website for the form, and the form is not available. I can not simply download the form and send it in again and cure the default. Instead of reaching out to me to verify occupancy, or notify me that they had not received the form, and provide me with another form and the opportunity to prove that I still live in the home, PHH filed a Notice of Default demanding that I pay the entire outstanding mortgage. I do not work, I can not simply go out and get another mortgage to pay off the amount ( ~ $ XXXX ) they claim is now due. I have tried calling PHH several times. I have not been able to get through to anyone that has the ability to resolve the issue or offer a viable solution to address their baseless claim that I am no longer an occupant. 

PHH has made up a reason to take my home of 29 years. The Notice of Default is not based on my default or any violation of the terms of the reverse mortgage. I continue to and have continuously lived in my home for all these years. I am over XXXX years old and if they take back my home, I will be homeless. I have limited means and this will cause me more hardship as I try to resolve this with PHH and save my home. The current foreclosure proceeding has also damaged my good credit and reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted Disputes to XXXX on XX/XX/2020 and XX/XX/2020 in regards to XXXX XXXX on my report as not being mine. XXXX said XXXX verified debt was mine. I in turn wrote letter to XXXX XXXX asking for verification of debt. The bill sent from XXXX XXXX was for another person with my same name but different middle initial and different address. I responded to XXXX and let them know although the debt was for this person with a similar name that person is not me nor have I ever resided at the address on the bill for collection. I asked XXXX for the original credit agreement with signature of person from whom they are trying to collect debt. XXXX did not provide me with this information instead they just sent me a copy of the bill again and asked why I was disputing. I had already told them specifically why I was disputing. I also don't understand how XXXX can accept a verification that the debt is mine when I'm sure the person with my same name doesn't have my same SS #. So XXXX couldn't have asked XXXX to verify my SS # nor address that I've had for over 10yrs now. I disputed this same XXXX XXXX debt with XXXX and the debt was removed from my report. I have not been able to see my report from Transunion as of yet .I request a hard copy of my report from Transunion XX/XX/2020 and never received it. I am current trying to contact Transunion customer support to figure out why Transunion can't verify my identity in order for me to obtain a digital report from them and why I have not received a hard copy of my report from Transunion.
Product: Vehicle loan or lease

vehicle was totaled XX/XX/2023 was paid off by XXXX  and primary insurances company 's I continue to get letters saying XXXX due so we pay it and the decline the payment then send me numerous emails and letters saying the car in paid in full And title is released. Then today I get a bill saying due by XX/XX/XXXX XXXX due again as they are continually charging me. Th XXXX XXXX dealership even tried to make the payment I am tired of weekly calling Ally auto to get this corrected and now they are reporting the amount to the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Citi acc # XXXX Has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 ; It also States a consumer can not furnish an account without my written instructions.

15 USC 1681a- Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer Report ' does not include-any report containing any information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, my father opened a credit card with AT & T Universal Citibank for his business. I was added as an authorized user when I became more active with his company to purchase materials, pay bills, etc. I was never responsible for the account or the balance due. According to my parents, the account was closed by my mother with a balance still owed in XXXX. I was told by a loan officer that ran my credit report that I have an AT & T Universal credit card with a large balance listed. After doing some research, I figured out it was my father 's card. The credit card company said they are not able to remove me as an authorized user on a closed account. They also explained that my name is not listed on the account, just my parents. This debt is not mine and its negatively effecting my score and my ability to buy a home. Please assist me!!!!
Product: Mortgage

My Home Equity Line Payment increased by 3x XX/XX/2016. It is currently past due because I am not able to handle that kind of payment shock. I am almost certain that early in the life of the loan, I took advantage of an offer to convert to a fixed rate for the life of the loan to avoid this issue but I can not find proof of that at this point. I would like to work something out with Chase but they have made it impossible to communicate with them either online ( account access is blocked ) or by phone ( see below ). 
I have attempted to reach out to Chase by phone but they are unwilling to speak to me because they seem to not be able to verify/authenticate who I am because I am unable to answer XXXX random public records questions to their satisfaction. Further, they have NEVER attempted to call me to speak about the matter. I noticed on my limited profile I could access on their website that they have an outdated home phone number and email address for me. I have tried updating that information but am unable to do so because again, they can not authenticate who I am by these random questions. So, this is a vicious circle and I am getting a complete lack of help from Chase to resolve the matter.
Product: Checking or savings account

Something has happened to my account. 
On XXXX XXXX, I lost my purse, which included my phone and my wallet. I contacted the bank on the to cancel my account. Since I no longer had a job anyways, I decided I would n't be opening another account. I was going to have to make arrangements for my checking account because it was over drawn. I was advised that I would need to visit a branch to do that, and at that time I closed out my savings account as well. I no longer have access to the accounts online and no one will answer any of my questions on the phone as to : A ) Why and how both accounts are right at or more than {$500000.00} overdrawn B ) Why did I get a statement on XXXX XXXX advising me that they were closing out all XXXX of my accounts. 

I do n't know what has happened or how any of this has happened, and now I 'm running into problems verifying my identy online with ANYTHING XXXX XXXX  XXXX, even the XXXX XXXX Please help!
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two 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. 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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and TRANSUNION are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and TRANSUNION do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, TRANSUNION, ( XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and TRANSUNION are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of XXXX XXXX reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings : EXPERIAN FAILURE TO PROVIDE A COPY OF MY CREDIT REPORT TO ME REF : CERTIFIED MAIL # : XXXX OF XX/XX/2023 PART I : WHAT HAPPENED XXXX. Reference page XXXX of this letter : ( a ) On XX/XX/2023 ; XXXX XXXX denied me XXXX XXXX XXXX XXXX XXXX XXXX. 
( b ) XXXX XXXX said that it obtained my FICO score of XXXX from Experian on XX/XX/2023. 
( c ) American Experian that it used my FICO score from Experian to make its credit decision to deny me for the XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023. 

XXXX. Reference page 3 of this letter : ( a ) On XX/XX/2023 ; I requested for a free copy of my current Credit Report with XXXX score from Experian ; reference : CERTIFIED MAIL # : XXXX OF XX/XX/2023. 
( b ) On XX/XX/2023 ; my certified mail was delivered by XXXX to Experian on XX/XX/2023 ; at XXXX ( Texas XXXX XXXX. 

XXXX. As at today, XX/XX/2023 ; Experian had refused to release a copy of my credit report to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX I contact CFPB regarding a complaint, ( XXXX ) against XXXX now XXXX. The agency has negligently reported me as delinquent 90 days twice and sense then re-aged the delinquent dates to keep the delinquency current. In the response to the CFPB complaint on XX/XX/XXXX, XXXX admitted and clearly identified the XXXX 90 Day reporting as XX/XX/XXXX and XX/XX/XXXX although still false, they have XXXX now reaged to delinquencies to XX/XX/XXXX and XX/XX/XXXX. The company has clearly maliciously reported this information to all three bureaus XXXX, Experian and XXXX, although XXXX is reporting XXXX in XXXX of XXXX, which has caused damage to my credit ultimately affecting me financially as well. I have disputed this information through the credit dispute process on 3 occasions and all three bureaus refuse to make the proper corrections which is a clear violation of the FCRA.
Product: Credit card

This is XXXX, XXXX here on behalf of XXXX XXXX XXXX applied for a Discover It Card for family and household purposes on XX/XX/2023 application number ending XXXX. I received a denial which caused me and my family great harm. Regardless of the reason for denial I have a right to CREDIT and denying me an extension of credit is discrimination pursuant to the EQUAL CREDIT OPPORTUNITY ACT, TRUTH IN LENDNG ACT, AND CONSUMER CREDIT PROTECTION ACT. Also withholding my securities is SECURITIES FRAUD. I sent a counteroffer to Discover certified mail XX/XX/2023 as i assumed the denial was an error. If this can't be rectified immediately I instruct Discover Bank to RETRACT my application, and place a stop payment on any XXXX 's as i have recieved no benefit nor preauthorized any transactions.
Product: Credit card

About a couple of weeks ago I received a phone call from a collection company from XXXX. The lady was very nasty requiring a payment to settle a collection account. I ended the call, but I was curious about why someone called me to settle an account. I went to XXXX to investigate where the call came from and it is from XXXX XXXX XXXX from XXXX, NM. My concern is that she is part of stealing my identity. Then immediately I went to XXXX to verify my credit information. Sure enough, I found to credit cards that someone else opened using my information. I have no knowledge on either XXXX of these accounts. I called Capital One Bank and XXXX XXXX and one ca n't find an account under my name and the other one did not help me at all. The purpose of this complain is to clear my credit from both of these accounts. I am submitting an individual complaint to solve each of the fraudulent accounts from Capital One Bank and XXXX XXXX XXXX. I am a XXXX veteran and this is aggravating my mental and emotional well-being.
Product: Credit reporting or other personal consumer reports

XXXX Barclays Bank Delaware Open XX/XX/year> {$2600.00} Past Due is {$2600.00} I am requesting to be taken off as an authorized user of an account that does not belong to me. I believe fraud has been committed. I did not give consent to be added to this account.
Product: Credit reporting or other personal consumer reports

WFC XXXX Balance : {$660.00} I believe the information being reported to be inaccurate.