23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Please review the following information in reference to dispute of my delinquency on my mortgage. On XX/XX/XXXX we processed a payment with XXXXXXXX XXXX  ( XXXX ). This payment was apparently never processed despite them sending us an email that it was processed. Please see attachment .XXXX XXXXXXXX then sold my mortgage to XXXX XXXX XXXX ) I just recently learned since XX/XX/XXXX my mortgage has been late, it was not reported to the credit reporting because it never reached more than thirty days past due. XXXX has not made any attempt to advise us of this delinquency via email or via phone. Their statement reflects a fee but does not provide an explanation of what the fee is. Please see attachment XXXXXXXX XXXX continued. charging late fees until XX/XX/XXXX XXXXThey made no attempt to advise us of the delinquency from XX/XX/XXXX until XX/XX/XXXX XXXXThey have refused to provide proof of any attempts. In XX/XX/XXXX again my mortgage was sold to Round Point ( XXXX ). I still had no knowledge that my mortgage was late at this point. We received an email from Round Point stating that we are no longer to make a payment to XXXX and Round point will begin accepting payments XX/XX/XXXX because of the sale. Please see attachment. My account then hit thirty days past due because of this, even though I had no way to make a payment prior .This is a violation of RESPA This 30 day should not be valid and I want my thirty day delinquency removed off of my credit report .This mortgage delinquency is the fault of XXXX mortgage companies XXXX XXXX for failing to process the payment .XXXX  for failing XXXX attempt any collection efforts and Roundpoint for failing to be available to process payments in a timely manner. I believe all of them are committing a UDAAP violations as result. I am asking for all credit reporting to be updated as well as all fees reversed and applied to the mortgage due to this gross negligence. In addition I want XXXX to be required to notify of mortgage delinquency by mail for all customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give them consent.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.
Product: Vehicle loan or lease

I was going to get a loan through Navy Federal Credit Union but found a better rate elsewhere. The issue arose when I traded in the existing vehicle I had with XXXX XXXX, the continued to send the payment back to the dealership even after I told them I got financing elsewhere and continued to refuse the payoff to the existing loan. The dealership sent the payoff to XXXX federal 3 times next day and XXXX XXXX returned it usps because they didnt cancel the loan I wasnt going with. They eventually attempted to cancel it but tried to cancel the existing loan, they finally cancelled the loan I wasnt going with but it was already too late. The dealership resent the check a final time XXXX but XXXX XXXX still hasnt received it. I am currently driving a new vehicle, the motorcycle was sold to someone else and the payoff and title are in limbo. This situation has degraded my health and military XXXX and left me extremely depressed and in pain. My credit is going to be destroyed because I will not be able to afford to make XXXX vehicle payments all because Navy Federal Credit Union refused to allow me to pay off my loan. I am a 100 % XXXX veteran who avoids stress at all costs so as not to become another statistic. XXXX XXXX, their policies and their abuse towards veterans creates statistics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit ran today XX/XX/20 because I'm in the process of buying a house however, I was told that I would not qualify for a home loan due to having accounts with negative history appearing on my credit. I wasn't aware that these accounts were on my credit report because I didn't open any of them. The accounts are from these companies. XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX. I do not have any written or verbal contract with any of these companies nor did I ever allow them to access my credit. I did not gain anything from these accounts that were opened in my name without my permission and I did not make any payments towards any of these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Product: Credit card or prepaid card

I applied and was approved for a credit card with discover bank XX/XX/XXXX. Before I was approved I talked to a rep and confirmed my identity due to a fraud alert being placed on my credit. About a week later, I received an email from discover asking for me to sign an irs 4506-C consent form for them to pull request my tax transcripts for verification purposes. I signed the form, about a week later, I go to activate my card and I cant so I called their rep, who tells me their waiting on me to sign to form and to complete to process so they can unrestrict my account. I informed her that I signed the form a week ago and I verified all my information on the phone with a rep when I first was approved for the card and asked what else are you trying to verify. She just told me that once everything is verified that I will get an email, well now here we are almost 2 weeks later, I still havent received an email or anything from discover regarding this matter and my card can still not be activated
Product: Credit reporting or other personal consumer reports

I had a representative named XXXX XXXX From XXXX XXXX come by my house about installing solar. I filled out the paperwork and scheduled the initial inspection to see if my house could have the solar installed. There was many questions and issues. After XXXX left, I did research on XXXX XXXX and found out they are basically a scam company with less then reputable service so I canceled the contract on XX/XX/XXXX with XXXX XXXX I sent in the necessary paperwork and even received a confirmation of the cancelation on XX/XX/XXXX. A few days ago, I received alerts on my credit reports of a new account. I immediately looked into this and noticed that XXXX was reporting on my Experian and XXXX credit reports an open account for over {$18000.00}. I contacted both XXXX and XXXX XXXX. Both said I had never requested the accounts to be closed. I've made several calls to both but they keep giving me the run around. I decided to dispute the credit reports but XXXX has certified that the reporting is correct.
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
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice there were some things that was not correct. I sent a letter to TransUnion on XX/XX/2023 here is my tracking number XXXX. But it has been more than 35 days since the credit bureaus haven't responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection amount to XXXX was paid in full. You are required under the FCRA and FACTA to accurately report the status of any account to the credit bureaus, and you are prohibited under the HIPAA and State privacy regulations from doing so on a PAID account, as there is no longer any permitted business purpose. Therefore I am requesting you promptly rescind all such account information furnished to XXXX XXXX, and require them to purge their records of all reference to this account, and that you insure that any and all reporting of this account is immediately deleted from my credit reports. This simple procedure to request the deletion of ALL reference to this account from the records of XXXX XXXX, and to require them to have this account information deleted in its entirety from my credit reports will resolve this problem completely.
Product: Mortgage

I was called by a man, named XXXX XXXX, claiming that if I wanted to save my property I needed to make XXXX payments that day, which was XX/XX/. He had me get a XXXX postal money order and overnight it to their lawyer in Florida, and this was to stop foreclosure proceedings. After making this initial payment, I was skeptical so I called the XXXX number on my mortgage paperwork and they couldnt verify that he worked for the company, Shellpoint. I texted this man and asked him why he was scamming me. He immediately called me and said this was not a scam. He then proceeded to ask me if I wanted him to call me from the XXXX number and I said yes. He called me from the same XXXX number that I used to call my mortgage company. He called me again on Friday, XXXX XXXX XXXX  to give me a confirmation number for my payment. He also called again on Monday, XX/XX/ to say that they were going to do a loan modification and reduce my payments to {$720.00} and lowered the interest to 2 %. Then he asked when I could make my first payment. I told him the XXXX because that was my next payday. I got my income tax refund back before then so I thought I would make my payment early. I called XXXX XXXX, because he told me that he was my new point of contact person, and again made my payment the same way. Postal money order, to the lawyer, XXXX XXXX XXXX XXXX, overnight. It cost me over {$100.00} just to send payment this way. I have all text messages and receipts for these transactions. He called me again after this payment to give me another confirmation number. Im supposed to make 2 more payments this way. I received a new statement from my mortgage company and none of the payments were applied to my mortgage so I called the mortgage company again. This time the man I spoke to said it was a scam. Im unsure what to do next, but these people need to be stopped from taking money from innocent victims.
Product: Credit card or prepaid card

Credit limit not being restored after payment of entire balance. 

On XX/XX/ Wells Fargo received an electronic payment for the balance of the card of {$2000.00}. 
On XX/XX/2023 the balance was credited as {$0.00} correctly with the payment, but my credit limit remained at {$0.00}. I called WF and was told that the payment had yet to be verified at the phone number XXXX for the financial institution being utilized ( XXXX XXXX XXXX XXXX ). They stated that they would have accounting follow up by having them email me and therefore send in my own banking statement that would indicate my payment and verify it myself that way. ( I never did get such an email and have searched my account using " Wells Fargo '' with only promotional items or notifications about payments appearing ; additionally I called the phone number they claimed and immediately got a human on a Sunday who did verify that the payment was indicated as a completed transaction ). 
On XXXX  the credit limit still reflected {$0.00} even though the payment was still indicated and so I called again. This time I was told that there was a 30 day hold without a reason given. I asked about any additional fees including interest or other based on their holding the money but not releasing the credit, and they said that there would not be. The hold should be released XX/XX/XXXX. 

My concern is that they are not transparent nor can they refer to any regulation or even policy that would apply to this action. Further, they are holding my mortgage and therefore I have concerns about them breaking policies in regard to that agreement. My mortgage did not originate with them but instead through a credit union who unfortunately sold it to them.
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 inquiries, accounts, and late payment. There was no consent nor did anyone give permissible purpose for the accounts and inquiries listed below 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: Money transfer, virtual currency, or money service

XX/XX/XXXX - I received a fraudulent deposit from a XXXX XXXX  account holder ( FRAUDULENT EMPLOYMENT SCHEME ) XX/XX/XXXX- The funds were made available to me on Chase XX/XX/XXXX- I was asked to send {$500.00} via XXXX XX/XX/XXXX- I check with Chase whether the cheque was legitimate and they said they couldn't help me XX/XX/XXXX- I asked them to file fraud, and they didn't want to do anything until the cheque bounced XX/XX/XXXX- I checked with XXXX whether the cheque was legitimate and we confirmed it was fraudulent XX/XX/XXXX- I file fraud with Chase and they said they were gon na help me file a claim XX/XX/XXXX- The transaction goes through anyway even when I reported it early XX/XX/XXXX - Chase completely disregards my concerns, doesn't even block the account holder who scammed me and just doesn't do anything at all.
Product: Mortgage

UNITED WHOLESALE MTG LOAN : XXXX XXXX XXXX XXXX XXXX  United Wholesale Mortgage rejected 3 mortgage payments because I was using my corporate business account to make my payments. I received ( 3 ) 30 day lates on 3 mortgage loans. I had to file a lawsuit and then they finally corrected their inaccurate reporting. 

On XX/XX/XXXX, the same thing happened where UWM rejected a mortgage payment out of the same corporate business account and again I have a rolling 30-day late.

I have filed a dispute over 7 months ago and I'm still getting the " run-around '' from UWM. They never received it, lost the complaint or it hasn't arrived yet. 
They have finally confirmed receipt of the complaint nearly a month ago and today I was told to call back in another couple weeks.
Product: Debt collection

I am filing this complaint because [ Debt Collectors Name ] has failed to provide adequate validation of an alleged debt under the Fair Debt Collection Practices Act ( FDCPA ). I requested validation of the debt as outlined in 15 U.S.C. 1692g ( b ), which requires a debt collector to cease collection activities, including credit reporting, until they provide sufficient validation to confirm the debts legitimacy and their right to collect it. The response I received does not meet the FDCPAs validation requirements, as it lacked essential documentation. Specifically, the debt collector failed to provide : 1. Proof of Ownership of the Debt : The debt collector did not provide a chain of title or any documentation showing how they legally acquired the right to collect this debt. Under 15 U.S.C. 1692g ( b ), this proof of ownership should include bills of sale, assignment agreements, or other documents demonstrating the debts transfer from the original creditor to each intermediary and ultimately to the current debt collector. Without this documentation, there is no evidence they have the legal authority to pursue collection. XXXX. Assignment Notice : The debt collector did not include any assignment of authority documentation confirming their legal right to collect this specific debt. This assignment notice should reflect the authorization from either the original creditor or intermediary parties, further supporting the requirements of 15 U.S.C. 1692g ( b ) for debt validation. 3. Original Account Information : The documents provided did not contain essential details from the original account, such as the original creditors name, account number, itemized balance breakdown, or terms and conditions of the debt. Such details are necessary to confirm the legitimacy of the debt and to verify the amount claimed, as required for full validation under the FDCPA. Due to these deficiencies, the documents sent by the debt collector do not meet the FDCPAs requirements for proper validation. Without adequate validation, I can not verify the legitimacy of this debt or the debt collectors authority to collect it.
Product: Debt collection

On XXXX XXXX 2015 I received calls every XXXX minutes starting at XXXX relating to a debit for an employee. I asked them not to call anymore on a previous call, however these calls had no announce just a hang up. I called back to tell them again to stop calling this number and they told me they could only give me their mumbled name of AdAstra. After this request I started receiving calls every XXXX minutes. I called in again and XXXX stated they had several accounts with them and they could not get our number completely removed. Each time I called in and gave the number they only pulled XXXX employees so I know exactly what she was referring with this statement. She then said it was going to be XXXX hour before it was removed and that every time I called in it generated a call. I reminded her that I had asked not to be called over 15 days ago and again on Friday because of their dialer practices interfering with my business and I felt I was harassed. She blew that off and said well do n't call in. I want to point in I only called after the calls became excessive and again when I received a call after asking not to be called again.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX ACCT. # 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

The FCRA states that it is EQUIFAX 's gravy duty and responsibility to report correct and accurate information on my credit report and file. However, they are NOT. EQUIFAX is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. These inaccurate late payments include 120+ days past due on XX/XX/2018, XX/XX/2018, XX/XX/2018. This is INCORRECT and is supposed to be reporting as PAID AS AGREED. Moreover, according to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. Therefore, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. Furthermore, I did NOT give EQUIFAX written instruction/ permission to furnish the inaccurate late payments on my report or file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is CRYSTAL clear that EQUIFAX has violated my rights under the FCRA and the reporting of the inaccurate late payments has caused me and my reputation severe harm and discrimination.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1666b - Timing of payments I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Accounts XXXX XXXX XXXX a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party.
Product: Credit reporting or other personal consumer reports

I completed the Identity theft paperwork and I need these accounts off my credit now. This is so unfair for me to have to deal with these accounts that are not mine. If they dont process it right can you add me to the lawsuit please.
Product: Credit reporting or other personal consumer reports

late payment is incorrectly reported, in accordance with XXXX U.S.C. XXXX I have found some information that is inaccurate on my credit report. I don't believe these accounts were ever paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible or be change to Paid as Agreed never late. The items in question are : XXXX : XXXX XXXX XXXX  : XXXX
Product: Credit card

Equifax did a change in XXXX of my XXXX XXXX. They dropped my credit limit in a way so exaggerated that destroyed my credit score. I made a complaint against XXXX and they said that it's equifax who is responsible for that. I'm XXXX y/o and that affects not only my credit score but my reputation andmymentalpeace. I've never missed a payment. Always paying on time. I have a salary raise short time before equifax destroyed my credit with that abusive action. At this time in my life I'm not to treated that way. It's abusive.