23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed the company XXXX XXXX reporting an inaccurate and fraudulent debt on my credit report. I initiated a dispute and requesting to validate and and investigate the debt since that seems to always be the 1st step to credit solutions. The company failed to respond AT ALL to that initial request. I also called them and had to argue with a representative in order to talk to someone in Compliance regarding their failure to respond to the validation letter. I spoke to " XXXX '' in compliance because XXXX the director was out according to her. She asked for time to investigate and that she would later get back to me. She never did. Two entire weeks passed and then I called her again to find out what the next step was. She said there was nothing to do because they have phone calls and that the " account info '' that they have on file is deemed as accurate. I asked her how? And if that's what the company has concluded I am legally entitled to see this " proof '' of what I have been telling them is FRAUD. She then goes on to tell me that they ONLY way she will send me proof that the company DID respond to my validation letter is IF I SEND A CERTIFIED MAIL RECEIPT -- - that is illegal and A LIE. I don't need to send any letters Certified Mail that is NOT a requirement for them to do their job. I then tell her that she is lying to my face about that being a " rule '' and that she is wasting my time. She then asked me if i sent over a police report. I told her NO, i did not send one over because YOUR COMPANY never told me what procedure to take or what direction to go in. To INITIATE A DISPUTE THAT IS NOT LISTED under the FCRA to submit a Police Report along with the initial investigation letter, so how am I supposed to assume that's the case? That's when I told her she should educated herself and the company on the TERM " LIABILITY '' since she has no clue of what she is talking about -- and since she is purposely wasting my time I will have no choice but to contact a Lawyer, which by the failed response and their claim of recorded calls -- I am confident I have a case that will grant me monies along with their compliance to the full extent of the law upon contacting a lawyer. But I also want a paper trail of their failure to follow the LAW on multiple occasions with me. I can only imagine with how many others this happened with!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report
Product: Mortgage

PHH Mortgage has repeatedly improperly denied me for a loan modification. I have applied for a loan modification several times and each time I supported my application with financial documentation. On at least three occasions, I was only considered for two programsthe Helping Homeowners Modification, which I am apparently ineligible for because my account is greater than 90 days delinquent, and I was also reviewed for and denied for a streamlined modification even though I submitted financial documentation. It doesnt appear that PHH Mortgage even reviewed any of my income documentation, which shows that I can now afford to continue making payments. I would like to save my home and PHH Mortgage is refusing to work with me. I am submitting the denial letters that I received ( most recently dated XX/XX/2022 and XX/XX/2022 ) which mention that I was only reviewed for those two modification programs and show that PHH Mortgage did not consider my income.
Product: Mortgage

Could n't be more disappointed and angered by Bank of America 's home loan department, specifically XXXX, XXXX ID : XXXX, and his manager XXXX XXXX, XXXX ID : XXXX, at the XXXX location in XXXX. We 've been a Bank of America preferred customer for decades and have excellent credit. We met with XXXX in XX/XX/2016 for a very low risk, low loan to value refinance on our vacation home in Delaware. We explained to XXXX that we rented our home in the summer and spent time there in the off season. We also said we were shopping rates, as low rates were plentiful at the time. He offered us a lock on a 2.75 % interest rate with credit toward closing costs in order to keep our business. We agreed and provided all the required documents. 
Months passed, the general election happened, and the financial environment turned as rates climbed higher. We were relieved that we had a lock but concerned that a simple refinance was taking so long, so we followed up several times with no response. Finally we received a return call in XX/XX/XXXX with news that the bank had a " counteroffer '' for us. It was XXXX bps higher with thousands in additional closing costs. When we said no, there must be a mistake, we have a lock offer, we were told the bank 's guidelines classified our home as an investment property not as a second home, and so they rated it higher. 
Had we been told this in XX/XX/XXXX, when rates were low and lenders were hungry, we would 've gone to another lender we had identified whose guidelines accepted our property as a second home. We did not make that choice at the time because we felt there was value in remaining a preferred customer at Bank of America. 
Our attempts to discuss this with XXXX were met with arrogance and denial. XXXX ' manager, listened with false sympathy, promised to review our case, consider the idea of credit by discount loan points, and get back to us. Again time passed, and when we finally got a response, we were basically told to pound sand and if we wanted to accept their higher offer, it would now cost us even more because of the time that had passed while we were waiting for XXXX promised call. 
Such disregard and disrespect for customers is causing us to move all of our accounts out of Bank of America and encouraging others to do the same.
Product: Credit reporting or other personal consumer reports

I reviewed a recent copy of my credit report, and these accounts are being fraudulently reported which is affecting my ability to obtain credit. Please remove these accounts from my credit report.
Product: Debt collection

I have contacted XXXX callers inc. and to no prevail have received no information.I have no knowledge of this account and have never heard from or dealt with this company before. I am a victim of identity theft and believe that this account is a result of identity theft.
Product: Credit reporting or other personal consumer reports

This account was charged off XX/XX/year>. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX Account XXXX : XXXX
Product: Mortgage

My mortgage loan transferred to Rocket Mortgage on or about XX/XX/2022. As part of their intake process, they reviewed my loan to see if I was getting the best rate and an agent ( XXXX XXXX ) called me to see if he could interest me in refinancing options. I told him from the beginning I was not looking to refinance but he said he could pull the numbers and see what they may be able to offer. I told him that if he wanted to pull together some numbers that I'd be happy to take a look, but I had other things going on and wouldn't be refinancing at this time. He pulled things together and I told him I would think it over and get back to him. I found out 3 days later on XX/XX/2022 that he pulled my credit. I called Rocket Mortgage customer service and was escalated to a XXXX XXXX ( XXXX XXXX ). She said that she would review things and get back to me which she did. She claimed that she had reviewed the recording of the initial conversation and XXXX told me he had to " review my credit report and verify personal information '' and I agreed. 1 ) He never said that to me 2 ) I never agreed to that and 3 ) even *if* he had said that, what does that involve? He has the obligation to make it clear and get express authorization for my credit to be pulled. He didn't! I've done this process of " running the numbers '' with loans many many times and never has it involved pulling my official credit report. That comes during the next step of to actually applying for the loan. 
I called back and asked to review the recording and was that I wasn't allowed to, that recordings are used only for training purposes and were proprietary to Rocket Mortgage. All she would tell me is that shes authorized to speak on behalf of the company and their legal team and they trust her decision.
Product: Mortgage

I have an existing mortgage loan through Wells Fargo home mortgage. I have had auto pay set up through my bank to the lender and have had for years. 
This fall I switched banks. In the process I set up my XX/XX/XXXX payment through this new bank online with Wells Fargo Home Mortgage. During this process I forgot to set up auto pay with my new bank. As a result I did not make XX/XX/XXXX 's payment. I have quite a bit of cash coming and going through my account. XX/XX/XXXX rolls around and I noticed my level of cash in my bank account seemed to be too high at this point. I went online to review my checking account and noticed my Wells Fargo payment had not been deducted yet. I then realized the problem immediately. I went to the online payment method for Wells Fargo and made XX/XX/XXXX and XX/XX/XXXX payment. XX/XX/XXXX. 
With this happening I also realized they reported me 30 days late to the credit bureaus. 
I set up an online email with a customer service representative and he basically told me that there was nothing they could do. They made no mistake, However, I agree that they did not cause the late payment but they did not contact me whatsoever in light of my non payment for the month of XX/XX/XXXX. I received a statement which I get every month and had no reason to think there was something wrong as I do n't need to read them every time. I received no phone as they stated they made. If I did I would never have known as they never left a message. I also did not receive any letters in the mail stating their concern. I have spoken to three different Wells Fargo representatives yesterday and none of them would go do anything to help me out. I have been a very good customer and never missed any payments. With any lenders for years. I was very disappointed in their decision and feel they do n't understand the gravity or care about the damage this will cause to my credit. If they did n't make any effort to send me a letter, alert me through an email, or cal and actually leave a message how is this fair to me their customer. I feel this decision could have been handled much better and am asking for assistance in getting Wells Fargo to admit they did n't notify me properly and to ask the credit bureaus to remove this bad mark against me. 
Please let me know what you can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i received a packet from Bank of America which included a credit card in my name and the account was opened and already had a {$59.00} dollar fee on the account. I did not fill out an application for this card. A letter was enclosed saying that they received 2 applications from me and approved only one and deleted the other. I called Bank of America and told them that i did not apply for this card and it is fraud. They closed the account and i cut up the card. I pay a fee to XXXX to monitor my credit, I also had my credit locked. This means if i even apply for any loan it will be denied because of the lock on my account. Although XXXX caught the inquiry and flagged and deleted it, the inquiries still went on my XXXX and XXXX credit report as a hard inquiry. I called XXXX and XXXX to get each of them monitored to let me know if any inquiries come from now on. The inquiry from Bank America happened on XX/XX/2022. Bank info who made inquiry is Bank of America, XXXX XXXX XXXX, XXXX XXXX Tx XXXX. Their phone number is XXXX.
Product: Credit reporting or other personal consumer reports

I have continuously been fighting back and forth with the credit bureaus to remove an account that does not belong to me. This will be my second attempt to make a complaint with the Consumer Financial Protection Bureau for improperly investigating this issue. This will be my last attempt to get the correct remedy for this situation to remove this account from any and all of my credit reports due to account information given by original creditor showing I owe no debt! Otherwise, I will be immediately forced to pursue litigation against the CFPB, the credit bureaus, and the original creditor for negligence to this matter and violating my consumer rights under the FCRA! I have submitted complaints and credit report disputes since XX/XX/XXXX when this account first appeared on my credit and it's now XXXX and no one is looking at the facts presented. Along with this dispute, I will provide a copy of a lease application agreement that was provided from the original creditor in my previous dispute with the CFPB that shows proof this account does not belong to me! I have followed all necessary steps and chain of commands to get this account removed from my report, but it is not being removed even with factual documentation presented to both the CFPB and myself that this account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi BB & T & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Product: Credit card

I made a payment of {$460.00} to discover it bank credit card before statement was sent. They are now reporting missed payment and charging me extra fees. Even though I have already paid everything. They are reporting incorrect information and violating my rights. Please investigate and remove late payment from my credit report.i have paid everything in full and they still keep charging me more fees. Company need to be investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Letter on XX/XX/2023, to XXXX, EXPERIAN, AND XXXX to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802, No financial institution is supposed to share my information with third-party people, much of this information was also mistaken, fraudulent, or perhaps even possible identity theft. These are clear violations of my federally protected consumer rights.
Product: Mortgage

XXXX XXXX we had a house fire and asked for time to pay due to the fire. We was told to pay and get the house taking care of by our home owner insurance. {$60000.00} was sent to SHELLPOINT MORTGAGE and the repairs where not complete. We told Shellpoint Mortgage the homeowners insurance was having a problem with the completion to finalize the repair. Shellpoint Mortgage told us to get a attorney and all the money to finish repairs are going to be placed on the mortgage account. So after months of trying to get the attorney we started repairs with my XXXX money and again asked for a mortification. 
Shellpoint Mortgage told us in XX/XX/XXXX they would start the mortification for our home. 
XXXX XXXX we was hit by Hurricane Harvey. I contacted Fema, Texas Department of Health, our homeowner insurance XXXX XXXX XXXX XXXX XXXX. Everyone put our home repairs including the Shellpoint Mortgaga on hold and started to the Hurricane procedure. Changing our Mortification contract person and asking us to resend all papers to 5 different people at Shellpoint Mortgage. On XXXX XXXX we we were sent the mortification papers once again after sending over 60 papers before XXXX XXXX. XXXX XXXX a attorney sent us some papers from Shellpoint Mortgaga stating they are hired to foreclosure processing against us. 
I'm XXXX XXXX XXXX a XXXX XXXX Receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I received a rejection letter from XXXX XXXX about line of credit I never applied for. The letter cited some false facts about my personal credit record as the basis for the rejection. We sought a term loan from a company online, to see what products are out there, however, we never applied to a loan with XXXX XXXX. XXXX XXXX had previously sent me 5 emails between XX/XX/XXXX to XX/XX/XXXX requesting for information to evaluate offering a Line of Credit to my business. I never applied for any line of credit with them, nor did I ever authorize them to run my personal credit. It must be illegal to make financial determinations after illegally obtaining my credit record and misrepresenting the facts after I rejected advances from them.
Product: Money transfer, virtual currency, or money service

Dear Cash App Customer Support Team, I am filing a formal complaint against Cash App ( Block , Inc. ) due to inadequate customer service, unfair business practices, and failure to protect my account from fraud. These actions constitute violations of federal laws, including the Consumer Financial Protection Act ( CFPA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E.

Key Issues : Failure to Prevent and Address Fraud : Cash App has failed to implement timely and effective security measures to safeguard my account against unauthorized transactions and fraudulent activity. This negligence has left my account vulnerable, resulting in financial loss and inconvenience.

Noncompliance with Error Resolution Requirements : Your dispute resolution process is unfair, deceptive, and fails to comply with the error resolution requirements mandated under the EFTA and Regulation E. Specifically, you did not provide the proper investigation, provisional credit, or resolution procedures required by law.

Unfair and Deceptive Practices : The lack of transparency and responsiveness in handling my complaint directly violates consumer protections outlined in the CFPA, which prohibits abusive and deceptive practices by financial service providers. 
Impact : Your companys failure to uphold its legal obligations has caused significant financial harm, emotional distress, and a loss of trust in your platform. The lack of accountability and resolution exacerbates the inconvenience caused by the fraudulent activity on my account. 

Request for Resolution : I request the following : Full Reimbursement of the unauthorized charges to my account.

A detailed explanation of the actions taken during your investigation and compliance with federal laws.

Assurance that robust security measures and fraud prevention protocols will be implemented to prevent future issues.

Compliance with EFTA and Regulation E by adhering to proper dispute resolution procedures, including provisional credits and transparent timelines. 
If this matter is not addressed promptly, I will have no choice but to escalate my complaint to regulatory agencies, including the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

I trust that Cash App values its customers and will take immediate action to rectify this situation. Please confirm receipt of this complaint and provide a timeline for resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I submitted a complaint ( complaint ID XXXX ) dated XX/XX/XXXX to Shellpoint regarding a mortgage debt collection that I do not owe. I provided an official document from the court dated XX/XX/XXXX, which stating " That in exchange for getting out of the mortgage and for Fannie Mae to take ownership of the property, there shall be no further obligations, now or in the future, for ( me ) ''. 

A response letter dated XX/XX/XXXX by XXXX XXXX, Compliance Department, Shellpoint Mortgage Servicing, stated " The documentation you provided may release your rights to the property, however, it does not release your financial obligation. ". XXXX XXXX also wrote " Finally, Shellpoint respectfully declines your request for compensation requested for your sibling. Shellpoint does not condone harassment or unprofessional communication with consumers as it is our goal to adhere to all state and federal laws and regulations concerning the servicing of loans ''. 

The property is owned by XXXX XXXX since the court date of XX/XX/XXXX. I am not responsible and can not be held liable for any liability/obligations, financial or non-financial, for this property. 

Shellpoint is violating my privacy rights to continue sending collection and communications to me regarding this property via registered and non-registered mails to my address in XXXX. 

Shellpoint should contact Fannie Mae as this property is owned by Fannie Mae. 

If Shellpoint continues to send letters via registered or non-registered mail, to my address in XXXX, what do you suggest my next legal step should be? 

Is a private company allowed to continue to ignore and violate my privacy rights? 

Best, XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Equifax, Experian, and TransUnion for failing to respond to my credit disputes within the legally required timeframe. On XX/XX/year>, I filed disputes with each of these credit bureaus, requesting an investigation into inaccurate information on my credit reports. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate and provide a response within 30 days. However, as of today, I have not received any formal response, investigation results, or supporting documentation from any of the bureaus, despite their legal obligation to do so.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take action to ensure the credit bureaus comply with federal regulations. Since they have exceeded the 30-day compliance period, I am demanding the immediate removal of the disputed items from my credit reports, along with formal written confirmation that the corrections have been made.