23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX my husband and I attempted to refinance our home with XXXX XXXX XXXX XXXXXXXX bank would not allow us to refinance due to a judgement against my husband for a business that failed. The judgement was with XXXX XXXX bank also. My husband filed bankruptcy hoping to clear the judgement so that we would be able refinance. My Husband filed bankruptcy in XX/XX/XXXX. On XX/XX/XXXXXXXX  the XXXX arm mortgage that we had on our home came to maturity. I called united bank mortgage to see if there was anything I could do to refinance this loan. loan XXXX XXXX XXXX stated that the bank could not refinance during the bankruptcy, XXXX XXXX stated that I would have to wait until the bankruptcy finished to work out the loan. During this time, XXXX XXXX sold out to United Bank. I made continuous payments from my checking account for each monthly payment until XX/XX/XXXX. At this time united bank stopped taking my payments. United bank stated they could not take any more payments because of the maturity date. I attempted to pay the mortgage in cash at the bank and from my checking account and by mail because my husband 's attorney and the XXXX XXXX  paperwork stated we had to continue to pay our mortgage. All of my attempts to pay were rejected. I called united bank again and explained to XXXX XXXX that I was not a part of the bankruptcy, and I should be able to make payments. XXXX XXXX stated that the bank received an order for stay against me. I continued to keep my payments and when the order to stay was lifted for my husband the bank began to take my payments again in XX/XX/XXXX. There was a court hearing on the foreclosure on XXXXXXXX XXXX. I offered to pay the due payments ( {$20000.00} ) with the banks attorney, and he stated that the bank would not accept them. I explained my position the XXXX ( XXXX ). XXXX XXXX gave me a court card and advised me to hire an attorney. My credit has suffered due to United bank not reporting any payments from XXXX  to XXXX. I am unable to get a new mortgage due to them reporting no payments. This mortgage is my biggest debt other than a student loan for my child. My husband is still making payments to the court to pay any mortgage payments that the bank says we owe from XXXX. My husband 's bankruptcy payments should have allowed us to be on time with our payments had I been allowed to continue to pay the mortgage. I feel as though United bank has set me up for failure by not taking my mortgage payments, making me fall behind. Now I owe several XXXX in interest and my credit payment history is killing me from getting a new mortgage. Now I'm looking at being homeless for the first time in my life at XXXX yrs of age. I have attached several bank statements, correspondence the attorneys, my credit payment history to prove I had been paying the mortgage, and other relevant papers. I believe in God, and I know ultimately, he will direct my paths. Thank you for your time and have a blessed day!
Product: Credit reporting, credit repair services, or other personal consumer reports

I specifically asked the Auto Dealership to run my credit with XXXX XXXX and they ran it with 5 other institutions which put hard inquiries on my credit report. These took place on XX/XX/21 and XX/XX/21
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, This letter is being sent to you in response to a recent charge of {$840.00} that was made on my credit report that I do not recognize. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Mortgage

It is with great fraustration that I continue to try save this home. I owned this home with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX. 
I am on the deed. My name is XXXX XXXX, I reside at XXXX XXXX XXXX, XXXX NY XXXX. 
The subject property is XXXX XXXX XXXX, XXXX, New Jersey ,XXXX. 
This property was occupied by Mr XXXX and shortly after with out my knowledge was rented [ and I found out that is in foreclosure. I have called SPS various time asking they give me the opportunity to save the home and the have not wanted to speak with me. 
They have rejected my phone calls and continue to proceed with foreclosure. MY name is on the deed. There are no tenants in this property. I am pleading for SPS to allow me to do a work out plan to save the property. I was not aware of this situation. 

Please advice of what can I do. I have done a lot of credit cleaning and now this is going to pull me back.
Product: Credit reporting or other personal consumer reports

Credit inquiries on my report that i dont recognize XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I requested a verification and validation of this account and the debt. I have sent XXXX different notarized notices to the company stating that I dispute this debt and requesting that they either verify this debt OR either remove it from my credit report or report it as paid in full. It has been well over 30 days now, and I have received no response at all. I sent the first notice on XX/XX/year>, and again on XX/XX/year>. Each notice was sent via USPS Priority Mail and was verified as delivered via the USPS tracking system. 

I am attaching a copy of each of these notices, which includes the tracking numbers to verify that they did in fact receive these notices. 

I certify that I have received NO response from the company verifying this alleged debt, and that the negative information still remains on my credit report.
Product: Credit card or prepaid card

I have two Home Depot accounts and both have balances on them that are Interest free for a certain period of time. I made a payment on the wrong account.The interest is not due until XX/XX/2019. I then paid the correct account that the interest free ends in XX/XX/2019. I went back in to delete the payment I made on the wrong account {$640.00} and it would not let me delete payment. Called and Citi Bank as horrible said it was a dispute process and would take up to 60 days. Tried to get money back I over paid via phone but very rude agent XXXX ID # XXXX ANDE HIS BOSS XXXX XXXX. Was hung up on by Supervisor. Over paid and not getting any help
Product: Mortgage

I had a mortgage with Mr Cooper that was set up on autopay with monthly deductions successfully pulled from my bank account via ACH every month. The last payment was due to be pulled on XX/XX/XXXX. For reasons known only to themselves, Mr Cooper turned off autopayment for this final payment without notifying me ( apparently their policy is that this final payment must be made with certified funds ). 
At this point, there were already sufficient funds in my escrow account to cover this final payment and settle all remaining obligations to third parties. 
The first I learned of this was a late payment letter received in the mail ( I had opened it expecting a 'Congratulations, you're mortgage is paid off ' ). On XX/XX/XXXX ( I think ) I reached out to Mr Cooper by phone to complain about have my autopay turned off and asking that my escrow account be used to satisfy the mortgage. This was done and I thought everything was sorted. 
In early XXXX, I logged into XXXX XXXX and discovered my credit score had gone down by 100 points- startling to say the least. 
On XXXX I used Mr Coopers message center to send in a complaint about the derogatory report to the bureaus and to request it's withdrawal, given that the situation arose from their own administrative processes, not my payment activity. 
On XXXX I received a 'your request requires additional research ' message and laying out a time line of 7-10 days for a response. 
I heard nothing from them. 
On XXXX I sent another message on the secure message center requesting an update. 
On XXXX I received a response that they were sending a response as a secure email. On opening it, I had the file I have attached to this complaint, denying my request. 
On XXXX I requested a call from them via their message center as they has suggested and on XX/XX/XXXX received notification that they had entered a callback request. 
I have not received a call back to date. 

During the filing of this complaint, I did discover an email from an email address I was not familiar with and so had not opened as it seemed like spam ( XXXXXXXX ) that did contain the same letter on XX/XX/XXXX, but as I had not been notified via the channel I had reached out to them on ; this seems inadequate ). 

So my complaint is : - That Mr Cooper failed to notify me of their need for a different form of payment for the last payment on my mortgage - That they failed to notice I already had sufficient funds with them to satisfy the final payment and only took those funds when I called to complain on receipt of a late payment letter - That their XX/XX/XXXX response to my XXXX complaint about their credit reporting behavior using an unfamiliar email address and not notifying me via the channel I has reached out to them on was not an adequate timely response to my complaint under their FCRA obligations - That their refusal to actually correct the delinquency on my credit report places an undue burden on me ( I was denied for a personal loan by XXXX because of it - I can produce the adverse action letter if required ) given the circumstances.
Product: Credit card

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Consumer Loan

BMW Financial Services claims I owe a payment on a closed account for a vehicle that was totaled on XXXX XXXX, 2016. The other party 's insurance company, XXXX, paid off the vehicle less an amount of around XXXX, do not have exact number available to me. A GAP claim was made with XXXX, the company handling the unpaid portion. However, claim was denied for various and inconsistent reasons, all bogus. I called BMWF today to discuss another account with them, call was transferred to another dept that did not pick up, this dept handles the account in question. I believe Ive spoken with them before and they were told I refuse to pay a dime on the account as the vehicle is totaled, GAP claim was denied for various and inconsistent reasons, all bogus. I understand the account is in my name, however, they have been told I refuse to pay numerous times before and were directed to XXXX and or XXXX for payment. In closing, please advise BMWF I again refuse to pay a dime on the account and to place a cease and desist, any and all payment inquiries should be directed to XXXX, claim number is XXXX, they can also call XXXX, do not have their claim number available.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. Collection/Charge OffXX/XX/XXXX - XXXX - {$0.00} XX/XX/XXXX - XXXX XXXX {$0.00} XXXX XXXX XXXX - XXXX - {$1300.00} XXXX XXXX - XXXX - {$540.00} XX/XX/XXXX- XXXX - {$0.00} XX/XX/XXXX - XXXX - {$580.00} XXXX XXXX XXXX - XXXX - {$7300.00} XX/XX/XXXX - XXXX XXXX {$1300.00} XX/XX/XXXX - XXXX - {$7300.00} Late Payment XX/XX/XXXX - XXXX - {$0.00} XX/XX/XXXX - XXXX - {$0.00} Bankruptcy XX/XX/XXXX Bankruptcy - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid in full account XXXX XXXX XXXX @ XX/XX/18. ( enclosed letter evidence {$0.00} balance ) Paid in full account XXXX XXXX @ XX/XX/2018. ( enclosed letter evidence {$0.00} balance ) My credit reports dont reflect the accounts in {$0.00} and change daily my score. One day reflect partial balance and two day after back to the original balance. I disputed many times to correct this problem.
Product: Debt collection

Peaks private student loan quit contacting me for a year after bankruptcy now every 3 months I receive an email stating that I owe them money. I have pulled my credit report and it does say discharged due to chapter XXXX bankruptcy. I have advised them of the bankruptcy my attorney information and the will still not quit contacting me
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain accounts and inquiries listed on my consumer credit report, as referenced below, which are the result of a data breach or fraud. Additionally, I demand verifiable proof bearing my signature or electronic signature, as I never authorized these actions. These incidents constitute a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], which mandates the blocking of information resulting from fraud or a data breach, and Section 604 [ 15 U.S.C. 1681b ], which outlines permissible purposes for accessing consumer reports. 

I have contacted the companies involved and confirmed that these actions were initiated without proper validation or original proof from the reporting entities. As I did not authorize these accounts or inquiries, they are inaccurate and should be removed. This constitutes a breach of my consumer information rights by creditors or third-party data furnishers. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

I received a letter in the mail from Convergent Outsourcing Inc. stating I owed {$1200.00} from XXXX XXXX XXXX XXXX XXXX out of XXXX, TX. This is for a house with the address of XXXX XXXX XXXX XXXX, XXXX, TX. I have never lived in or owned property in Texas. I had also never received a bill from XXXX prior to the debt collection notice. I called the debt collection company who directed me to XXXX. When I called XXXX they wanted my social security number and birthdate to " verify '' the account, which I did not give them. They sent me back to the debt collection company who then filed a fraudulent charge claim with XXXX. I have not yet heard back but did notice that this alleged delinquent payment and collection action is showing up on my XXXX credit report.
Product: Credit reporting or other personal consumer reports

I request that these inquiries be removed. I lack knowledge about them, and the company conducted them without my consent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX De XXXX Today when i pulled my free credit report at annual credit report.com I noticed I had a bunch of errors on my credit report that was hindering my financial well-being Since then I have tried to reach out and contact the credit bureaus but was unsuccessful. 

Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do Not and have not Lived at these addresses With the amount of identity that's going on I am fearful somebody might take my ID and use it on the dark web so today I am taking preventative measures to assure my identity is never compromised again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau stated my count was properly investigated, but how is that possible if the open date is inaccurate, the date last reported is not accurate, they updated an account that is not mine, the ground for removal, they also violated my rights under 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 it also states a consumer reporting agency can not furnish an account without written instructions Also the credit bureaus took more than 30 days to complete my investigation sent off by certified mail tracking #
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies show medical debit on my credit report. Medical debit reported on XX/XX/2021 and reported on credit report. 
180 day rule violation. Credit reporting agencies are required not to report medical debits no less then 180 days so that consumers can resolve the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Credit Reports and I noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies must have assumed a vital role and have a responsibility to report Consumer information with maximum accuracy consistently. I have never been late on payments for the account : XXXX acct # 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: Mortgage

USAA servicer provider for mortgage is XXXX. XXXX automatically enrolled me in a loan modification program. This program was later explained to me as only to lower payment nothing else will change. At that moment I asked for XXXX to send me paperwork. The paperwork that was mailed and arrive some timed in late XXXX. I quickly read the paperwork because my wife and I were XXXX XXXX XXXX XXXX and we had so much going on. I signed and sent the paperwork back to XXXX, after some more careful thought I changed my mind and called XXXX TO CANCEL THE PAPERWORK. They assured me they would cancel it and resume original payment amount. What happened after that was XXXX block my online access and over the phone to make any payment. XXXX I received a called from a Veteran Affair mortgage representative asking if I am ok financially, I stated yes and explained the issue that I have with USAA ( XXXX ), With the VA help we were able to get to the bottom of the issue or so we thought. XXXX stated it was a miss communication and if I made up the payment they would fixed everything. Well during that time I checked my Credit score and XXXX reported me to credit report for being delinquent for the time they blocked me from making payments. XXXX assured me they would fix that, but they never did and now they told USAA CEO office whom I contacted to resolved this at the lowest level. Stated because I made those payments, that I am now stuck with the bad report. Because of the loan modification that i never agreed to. So how XXXX loss all phone transcript and told USAA a lie that even though I canceled the paperwork because I signed it originally that I have to be subjected to the bad report, I asked USAA how is that FAIR practice? So I am filing this complaint so this does not happened to anyone else.