23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am regarding the unsatisfied second XXXX which was paid off in XX/XX/XXXX but never satisfied. 

On XX/XX/XXXX a Deed of Trust was recorded XXXX XXXX ) for a balance of {$150000.00}. As part of the same transaction a second XXXX was recorded ( XX/XX/XXXX in XXXX XXXX XXXX ) in the amount of {$39000.00}. 

On XX/XX/XXXX there was Loan Modification agreement entered and recorded ( XXXX XXXX XXXX  ) and the corresponding second XXXX was also modified ( XXXX XXXX XXXX ) HOWEVER this second recorded XXXX modification named the incorrect original recorded XXXX as its source of title. I provided the original deeds and loan modification documents. 

My belief is that when both these loans were transferred to the new servicer, they were lumped together as one. This was confirmed by the prior servicer who informed me to contact PHH. ALSO attached the Closing Disclosure from Borrowers XXXX refinance which shows a full payoff of {$260000.00}. That payoff amount paid to PHH in XXXX was for both XXXX. However as noted in the above paragraph and with the documentation proving the prior typographical error, ONLY the first XXXX was satisfied by Sat recorded on XX/XX/XXXX in XXXX XXXX XXXX 

I have repeatedly tried to explain this. PHH ( OcwenXXXX XXXX WAS the servicer for both loans. PHH ( Ocwen/XXXX  ) IS responsible for the satisfaction of both. WITH the proof documentation, I ask that you complete your research proving what I am showing you here and record a satisfaction for the second XXXX recorded XX/XX/XXXX in XXXX XXXX XXXX and modified XX/XX/XXXX in XXXX XXXXXXXX XXXX AS SOON AS POSSIBLE. At this time, you should have everything you need to prove this loan was with PHH as one combined loan and that BOTH loans were paid in full in XXXX.
Product: Credit reporting or other personal consumer reports

EXPERIAN is obligated by the FCRA to report accurate accounting. I have advised ALL the inquiries reported were fraud. Said company had 4 days according to LAW to remove such items. I am now requesting EXPERIAN to provide the documentation used to determine inquiry was indeed authorized by the consumer, EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. I am NOT asking for an e-oscor report. If EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. I will be filling form XXXX XXXX  XXXX  forms to audit my account. EXPERIAN is securitizing my data yet refuse to provide me a copy of my CONSUMER FILE NOT CONSUMER REPORT.
Product: Debt collection

I have written Credit Collections Services and requested validation from them. I do not know who they are or why they are on my credit! It is my right to request the same information being furnished to the credit bureaus! I demand answers! HELP ME!
Product: Debt collection

There are 3 medical accounts for the same facility in which I have no knowledge of and certify are not mine. 

I have reached out to the original creditor who was unable to provide supporting documentation that these were valid visits to their facility. The company was unable to determine as they no longer had m records. These negative accounts should be removed from my credit profile immediately. 

XX/XX/XXXX- {$230.00}XX/XX/XXXX- {$170.00} XXXX- {$180.00}
Product: Debt collection

XXXX Group XXXXXXXXThey started calling me a couple of years ago claim that I owe them money but refuse to send me proof. Keep asking for my personal info so they can verify who I am. Told them if they wanted to verify who I was to send anything they had to say to me plus proof of claim/debt to me in the mail and if I got it and it was mine I would verify. They refuse. 
Some of the original calls said they were calling about an investment issue. I do n't have investments so I hung up on them. 
Still call constantly, blocked numbers, unknown names, cell phones. I have blocked them on all my phones. I think they are just a big bunch of scam artists.
Product: Checking or savings account

Someone hacked into my Capital One account and someone hacked into my Capital one credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor sold account to multiple collection agencies and collection agencies may have sold account to other collection agencies. I've been getting harassed. I paid off the debt to a collection agency, but multiple collection agencies continue to contact me over the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Complaint I requested an investigation AND Method of Verification from LexisNexis, XXXX, XXXX, and XXXX. Per the Credit Reporting Act ( FCRA ), the credit reporting agency is required to give me the method of verification within 15 days of my request. Investigation took more than 15 days. This should be hard evidence that goes all the way back to the original creditor. The credit reporting agencies are not in compliance, and accurate per the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ).

The attached letter from the courts states the following ; The bankruptcy court does not report or transmit bankruptcy court records or any other information directly to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen and used. I have a collection for XXXX XXXX and several inquiries that need to be deleted immediately. My identity theft report has been attached below.
Product: Mortgage

Hello, I am paralegal in the Consumer Law Program at XXXX XXXX for XXXX XXXX. 

I have been trying to reach Mr. Cooper XXXX formerly Nationstar Mortgage ) on behalf of a client. 

Relying on the contact information at https : //www.mrcooper.com/contact_us, I called the customer service contact number, XXXX, to discuss our client 's account on XX/XX/XXXX. 

The recorded information is in XXXX. There is no option to select another language. 

After punching # or XXXX several times, I was eventually transferred to a representative who, although greeting me in XXXX, also spoke XXXX. I explained to her what had happened and she told me that she would inform the appropriate Mr. Cooper staff. 

I tried again calling last week and today, and there is still no information offered in XXXX, so I am unable to assist our client.
Product: Credit card or prepaid card

From XXXX XXXX, i got a credit alert regarding the recent charge on XXXX XXXX credit card. ( XXXX  works with experian ). i do not any XXXX credit card in US until now. 
i call XXXX for 3 times, they even do not have any of my data via SSN or name or DOB. 
i ask around my family member. they even do not have any credit card authorized to me until now. this is the reason i filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report TransUnion violation of the Fair and Accurate Credit Transactions Act [ FACT ACT ]. I have tons of trade lines on my credit report. One of the trade lines, reported by XXXX [ Opened on XXXX ],  erroneously reported my account was being " 30 days late '' in XXXX of XXXX, even though I mailed them a payment check. When I opened a dispute through the TransUnion website, TransUnion forwarded the dispute to XXXX, and let XXXX have the SOLE decision to make a decision without reviewing all the facts and documents presented to them. To give the creditor sole power to make decisions is an illegal process that can result in incorrect information on a person 's creditor report. 

I hope this error gets resolved by TransUnion because I intend to file a complaint with Colorado State Attorney General Office to have them look into it. As a consumer yourself, you know how frustrating it can be for a company, or in this case, a big bank, to make a mistake and then reporting a " 30 day late '' on my consumer report. My account history shows that I have a 12+ year history of perfect payment. 

I have attached copy of the check I mailed to XXXX as proof that a payment was sent to them. I want TransUnion to update my account status to remove the " 30 days late '' to accurately reflect the status of my account according to the Fair and Accurate Credit Transactions Act ( FACT ACT ). Since they house all the data, they have a legal responsibility to make sure it is accurate. 

The Consumer Financial Protection Bureau have said federal law requires the credit-reporting companies to conduct a reasonable investigation and update the data to show necessary changes or delete the item.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, I have three companies ( Monterey financial services, XXXX and XXXX XXXX ) writing, emailing and call me for the same account. Each of them have different account numbers but Monterey financial services have me list on the credit bureaus as being late. I called XXXX XXXX who I was making payments to about my account they told me they do not put anyone on the credit bureau. I asked them then who is Monterey financial services. I called them and I was switched to the collection department. i asked why did they put me on the credit bureau and they said I missed a payment. I never missed a payment to XXXX XXXXt but they said I missed in XX/XX/2021 which the payments were taken out automatic each month. I called my credit card company and they said a payment was never taken out but two payments were taken out the following month. I offered to pay this account out full if they would remove the information from my credit because it was not my fault and I don't know who Monterey financial is and they have report inaccurate information to the credit bureau. they said they could not remove it and they would file a dispute and get back with me. No-one from that company did not get back with me and they continued to call, email and harass me along with the other two companies.. I wrote three letters to Monterey financial and they have not responded to any of them. They have continued to ruin my credit reporting late payments inaccurate information and they have not prove the account is mine which is information I requested..
Product: Mortgage

XXXX XXXX XXXX Loan number XXXX XXXX XXXX XXXX XXXX ( XXXX hours ago ) to XXXX Hello, We have a situation. According to Selene Finance I did not pay my XX/XX/2023 mortgage payment. That is simply not true. I used the the phone system to make XXXX payment but it was not picked up by your in-house system. 

At any rate, it's updated now. HOWEVER, Selene Finance didn't bother to notify me by phone or email and sent my delequince to the credit score companies which caused my XXXX score to drop by more than XXXX points. Very un-cool when all you had to do was pick up the phone for a XXXX minute phone call. ( My XXXX XXXX was in the high XXXX 's ) I would like Selene Finance to remove the late payment from the three Credit companies. 

Give me a call if you would like more info. 

Thanks XXXX
Product: Credit reporting or other personal consumer reports

The credit bureau, ( Experian/XXXX  XXXX has allowed an account from XXXX XXXX XXXX to be reported without properly verifying its accuracy. This account has no identifiable account number, is misrepresented as Original Creditor, and was illegally re-aged. Despite disputing this with the bureau, it has remained on my report, resulting in a significant credit score drop. This violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure the accuracy and completeness of reported information. I am seeking the immediate removal of this inaccurate account and for the bureau to enforce proper verification standards moving forward.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX 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

I, XXXX XXXX , am submitting this complaint by myself and there is no third party involved. 
I, XXXX XXXX , natural person, consumer, alleged obligor, and original creditor of an open-end credit plan extended via my credit card for a consumer credit transaction to Gateway Mortgage Group on my behalf via a deceptive form that converted my interest a consumer and creditor unlawfully as borrower. I am the card issuer and cardholder for the accounts payable issued via consumer application as valuable accounts receivable. I granted the security interest to as debtor for the consumer credit transaction. Gateway usurped my credit and proceeds via account receivable secured credit application. I was coerced in completing a promissory note in the refusal of my endorsement by closing agent of the promissory note compelled for a blank endorsement as an illegal restraint. I issued a security despite being original secured creditor to consumer credit transaction. Despite misrepresentation of consumer credit transaction, Gateway has been advised to comply with my right of 12 CFR 1016 privacy and confidentiality and to cease the role of consumer reporting agency and communication with third persons, XXXX, XXXX, XXXX, XXXX etc. viz. consumer reporting agencies. Gateway has disregarded my revocation of right to report and continues to violate my right of privacy. Gateway has noticed of this billing error and has not responded. See FTC report attached regarding 15 USC 1679b ( a ) prohibited practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion should not be reporting a collection in the amount of {$1100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was originally with XXXX XXXX. I do not now, nor have I in the past ever had an account with XXXX. This account was opened fraudulently. This false reporting of a collection, that does not belong to me, is seriously harming my credit score and this line item needs to be removed from my credit report. I have tried to contact XXXX  and XXXX to remove this account however, I have not been successful.
Product: Credit reporting, credit repair services, 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 USC 1681. XXXX : XXXX, XXXX XXXX : XXXX have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Collection/Charge Off : XXXX XXXX XXXXXXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to reinvestigate this account, check for inaccuracies, etc. Everything keep coming back verified and accurate. How can this be when the date filed is inaccurate and the closing date is not accurate. This is grounds for removal. 

Also, in accordance with the Fair Credit Reporting Act The US Bankruptcy Court Reference # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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

UNITED STATES CONGRESS states TRANSUNION is an elaborate mechanism who ASSUMED its role to furnish a report on my behalf under 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. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. TRANSUNION is supposed to have my written consent to to obtain my private information to make a report. THEY DO NOT HAVE MY WRITTEN CONSENT under 15 USC 1681b. The UNITED STATES CONGRESS states under 15 USC 1681a ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The UNITED STATES CONGRESS has DEMANDED EXCLUSION OF ACCOUNTS relating to transactions or experiences between the consumer and the person making the report. Why are you TRANSUNION violating the UNITED STATES CONGRESS as well as the FCRA and destroying my confidence in the banking system?? I did NOT request verification on any account I DEMANDED you exercise your grave duties with RESPECT to the consumer and CONGRESS LAW, instead you conducted a FRAUD re-investigation took over 45 days and have NOT provided names, address and phone numbers of those you are required to personally interview as REQUIRED BY CONGRESS under " investigative report ''. TRANSUNION is in DISHONOR and is not PERFORMING their GRAVE DUTIES accordingly.to the UNITED STATES CONGRESS and is liable for under 15 USC 1681n and 15 USC 1681o
Product: Credit reporting or other personal consumer reports

My TransUnion credit report contains multiple fraudulent accounts and inquiries caused by identity theft. These accounts were opened without my consent and have severely impacted my creditworthiness. Below are the specific issues : Fraudulent Accounts : XXXX XXXX ( Account # XXXX ) : Incorrectly marked as " Collection. '' I did not authorize this account. 
XXXX XXXX ( Account # XXXX ) : Marked as " Charged off as bad debt. '' This account was fraudulently opened. 
XXXX XXXX XXXX ( Account # XXXX ) : Reported as a " Collection. '' I did not open this account or authorize its use. 
XXXX ( Account # XXXX ) : Incorrectly reported as " Charged off as bad debt. '' XXXX XXXX ( Account # XXXX ) : This account does not belong to me. 
Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/year>, two inquiries ) The presence of these accounts and inquiries has drastically reduced my credit score. This has made it difficult to qualify for financial products, increased my interest rates, and created significant emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 30 days ago, I sent an investigation request to the credit bureaus and they haven't responded yet.
Product: Credit card or prepaid card

I would like to formally dispute the interest rate I am being charged on USAA credit card. I formally mailed the complaint 8 weeks ago and have called several times, getting bounced between credit card servicing and application. Noone can give me straight answers on why this has happened. They only tell me I need to keep requesting new cards to see what my new interest rate would be. 

My husband and I have the same credit history & address for the last 10 years. We recently applied for an investment mortgage and USAA sent our credit scores. My credit score is higher than his and has been at least that or equal to his throughout our marriage ; however, his USAA credit card ( same product as mine ) is HALF of what mine is. 

We both have and called in to customer service agents and have gotten all kinds of reasons why they are materially different. However, given the facts, I can only surmise that it is because I am female- which is tantamount to discrimination.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

INSURANCE & TAXES FOR XXXX TOTALED {$3300.00} NOT {$4800.00} INSURANCE & TAXES FOR XXXX TOTALED {$3200.00} NOT {$4100.00} ESCROW ANALYSIS FOR XXXX & XXXX ARE WRONG BY THOUSANDS MAKING MY PAYMENT MORE THEN IT SHOULD BE!!!! 
my {$890.00} mtg payment carried over from XXXX  XX/XX/XXXX should NOT change until the new Insurance policy took effect XX/XX/XXXX. What is a bankruptcy payment and all fees? Escrow should have {$1400.00} carried over from XXXX  where did it go? 
Enclosed is the Escrow disbursement from SPS CLEARLY THE NUMBERS HAVE NOT BEEN UPDATED TO REFLECT MY POLICIES... WHY? 
I have talked with first key who owns my mtg and they too have reached out with no resolution. My insurance company XXXX contacted SPS XX/XX/XXXX on my behalf to request the analysis be corrected for XXXX & XXXX, and UPDATE new policy for XXXX date and price ... SPS REFUESED TO PROVIDE ANY INFORMATION!!! WHY?