23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2023, we were notified that XXXXXXXX XXXX sold our mortgage to Carrington Mortgage. On XX/XX/2023, we received our monthly mortgage statement and it said we owed for XXXX and XXXX on XX/XX/2023. On XX/XX/XXXX, we received a delinquency notice stating we didn't pay XX/XX/2023. This makes no sense! How is this possible? 

I called and spoke with XXXX of Carrington on XXXX XXXX, 2023, who said they would not remove us from delinquency status after I requested them to do so. She said that we were due XX/XX/2023 even though our first mortgage statement says XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am a victim of identity theft and fraudulent accounts and inquiries are listed on my Transunion credit report I pulled XXXX. Below are the fraudulent accounts and inquiries in full detail, Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX Incorrect Address : XXXX XXXX, XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX {$15000.00} ( XXXX XXXX ) XXXX. XXXX XXXX XXXX {$25000.00} ( XXXX XXXX ) XXXX. XXXX and XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX. Bank XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXXXXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX ( INQUIRY ). I certified mailed a FTC report with these fraudulent items asking Transunion to remove these items but they have yet to do so.
Product: Debt collection

Call received from a collection agency as in represented as a lawyer claiming false statements to collect a wrong amount. 

Received letter from collection agency with incorrect amount. 

Copy of insurance included with the correct amount.
Product: Debt collection

Ive been having trouble trying to get this item removed from my credit. To my knowledge I maxed out my credit card while going through financial hardship. My credit card limit was {$500.00}, It says I owe a whopping {$790.00} which is ridiculous. Ive proven I was able to make on time payments, by going from {$300.00} to {$500.00} increase. The last payment I made was on XX/XX/2020 in an attempt to start clearing the debt, and they decided to close my credit card on XX/XX/2020. I would like to see what can be done about this, Is one of the more serious reasons my credit score plummeted, making it hard for me to acquire almost anything.
Product: Debt collection

This is just a few of so called debt collectors trying to confirm my personal information. The person that called me today was trying to confirm the last XXXX of my SSN. These companies are trying to collect for accounts that have passed the 7 year mark of debt and they are ruthless over the phone. This XXXX in particular told me I did have a personal business matter with them and I had to comply. I ask them who their company was and they told me it was FRS located in Minnesota. After that I told them that I do not have any business with them and and now I would report them CFPB. I receive XXXX to 4 calls a day with harassment. Like I said my debt was pardoned and I am no longer liable for that old debt which they are trying to collect.
Product: Mortgage

I entered into a mortgage loan with Wells Fargo Home Mortgage and the loan that was offered on predatory terms. They have also refused to allow me to refinance the loan that I previously received. They also denied me the right to pay off this mortgage.I have been taken advantage of by Wells Fargo.I have been paying on account XXXX for over 20 years. I have been making balloon payments of $ XXXX monthly payments for over 20 years and my balance is still {$43000.00} and that not correct. Wells Fargo has tried to take my house several times and made me come up with balloon payments but my balance does not reflect these funds. Out of the total monthly payment of {$800.00} only {$73.00} is going to the principle and the rest is being applied to interest. I had XXXX at the time that I signed this loan and I feel like they are taking advantage of me and waiting for me to die to take my house. The way that they set up this mortgage loan, I will never own the house I have paid for over 20 years.
Product: Credit reporting or other personal consumer reports

I applied for an auto loan on XX/XX/2024 and I was approved, but with a much lower score than what I had expected. I was told I would have to wait for the info in the mail. When I received the report I question the info. I called XXXX about the report. I printed off the XXXX report and it showed my score was XXXX, and not the XXXX score that was mailed to me.At no time was I told they would be using a XXXX, I assumed they would be using a XXXX score. They never informed me they would be using XXXX score, and how it could affect the outcome of my loan. This is in my opinion a Deceptive practice. I feel they should have advise me of this matter. This is the first time I have heard of this score. I went to the XXXX XXXX, I was told had I had a loan with them then they in the last 5 years, they would have used a XXXX score, so now I question is this not a form of Bias. A person has to start somewhere, and should not be penalize because I did not have a loan with them prior to asking for this loan.I was told that the always use transition because they have the lowest scores. So what this tells me is that they want people to pay more in interest, so they can make more money. This is not taken care of the membership and in my opinion creates a deceptive practice. This should be illegal and should be stopped. When they reevaluated my score, It got change and they would not tell me the score, but it did change my load percentage from XXXX to XXXX, but in order to do this I would have to wait for one year or pay down {$2500.00} in order to refinance the loan
Product: Debt collection

The following company has sent a letter stating a debt owed, I was unaware and have been a victim of identity theft. 
Oxygen XXXX has stated I owe XXXX XXXX in the amount of XXXX $ I am unaware of this company. 
I spoke with XXXX, he threaten me with collections reflecting on credit reports also threaten me with jail.. He also wouldnt agree to send me signed agreements providing proof of this debt. 
I have never lived in Illinois I have lived in Indiana all my life
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my Social Security number. I am a victim of the data breach/identity theft. I contacted the federal trade commission, and filed an FTC report number : XXXX. Which is attached, please block and remove all information from my credit report and send me an updated copy of the credit report. 

Under 15USC 1681 c-2-c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving the complaint consisting of the information below : Collection accounts : - [ XXXX ] XXXX Opened : XX/XX/XXXX Amount : {$120.00} - [ XXXX ] XXXX XXXX XXXX  Opened : XX/XX/XXXX Amount : {$5600.00} - [ ] XXXX XXXX Opened : XXXX XXXX Amount : {$9900.00} Inquiries : - 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  Failure to respond satisfactorily will result in a small claims action against your agency. I will be seeking damages but not limited to each violation is a statutory cost of {$1000.00} each Per 15 U.S.C XXXX  1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification
Product: Debt collection

Portfolio Recovery Associates h old  XXXX  accounts from  XXXX    XXXX   XXXX   that were from Identity Theft by a relative of my husband. I submitted in  XXXX  Fraud Report to  XXXX    XXXX   XXXX    ( Original Creditor ), Portfolio is now the owner of both debts and I am currently being sued for a balance of {$3000.00} in account #  XXXX , this debts are not mine. I provided Portfolio another Identity Theft Report and also to  XXXX   XXXX   XXXX  their Attorney representing them on  XXXX  and also on  XXXX / XXXX / XXXX , I have contacted  Portfolio Recovery Associates  and fail to dispute both  XXXX    XXXX   XXXX   accounts. They have also not done anything to stop their legal action on the lawsuit to investigate. On  XX/XX/2017  I sent a request about both debts and they have not provided me with any documentation other than monthly statements.   I am a victim of Identity Theft, this debts are not mine!
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of late payments on my credit report for the following accounts : XXXX XXXX XXXXXXXX ( account XXXX reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and two XXXX XXXXXXXX accounts ( account # XXXX and XXXX, both reported on XX/XX/XXXX and XX/XX/XXXX ). These accounts are incorrectly marked as late, even though my payments were made on time, in compliance with the account terms. 

Under 15 USC 1666b and the FCRA, it is the creditor 's responsibility to ensure the accuracy of the information they report. I am requesting that you provide evidence to support these late payments, including account statements and any documentation showing I authorized this information to be reported. If such proof can not be provided, I expect the payment status to be promptly corrected to " on time '' to reflect my actual payment history.
Product: Credit reporting or other personal consumer reports

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : REMOVE THE FLWING NAMES 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 PLEASE REMOVE THE FLW ACCOUNTS 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 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts I have disputed them a month ago but was told by the major 3 credit bureaus that these accounts have been verified. Inwhich these very accounts I do not have a contract with nor have they been physically verified. I'm requesting the Method of Verification inwhich was used to equate the accounts as valid via my credit report. Inwhom within your company, name and title, spoke to whom and what means of communication was performed, phone, email, texts, fax, etc. What day and time did this take place. What physical documentation was delivered to both you and I that verifies these accounts, 1 ) XXXX XXXX {$0.00} 2 ) XXXX XXXX XXXX {$7.00} 3 ) XXXX XXXX {$570.00} 4 )  XXXX XXXX XXXX {$0.00} As stated in the FCRA laws if this information is not provided in its entirety then the above accounts shall be blocked immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX TRANSUNION XXXX : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not accept the allegation of delinquency without factual proof. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. 
This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions.
Product: Credit reporting or other personal consumer reports

The inaccurate information that pertains to a Charge off that appears on my credit report, according to the information provided does not belong to me, and I believe it has been mistakenly reported. The specific details of the charge off that I disputed are, 1.Inaccurrate information 2.Comments 3.Payment history 4.Last reported 5.Date open
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to car dealership apply for a car i did not approve for my credit to be pulled however im showing other hard inquries i did not authorize. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Checking or savings account

Countless times in XXXX I would see zelle charges and have not sent money. And once I sent it to someone and they lied about who it was
Product: Debt collection

This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile has failed to maintain reasonable procedures the operations to ensure, the maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX  XXXX .... The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last XXXX years for employment purposes. FCRA 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/XXXX I made an in person appointment at Truist bank with XXXX leader XXXX XXXX XXXX. During the account oppening, XXXX made a mistake spelling my name he wrote XXXX instead of XXXX ( I noticed this mistake after I got home since I was not given the chance to review this information during the account opening process due to XXXX being rush as he had another appointment coming up ). XXXX had a copy of my driver license to gather all of my information during the account opening. 
That same day I deposited XXXX money orders for {$500.00} each that I received from my aunt as payment for some funds I lent her. 

Inmmidieately after I noticed the mistake spelling my name I called XXXX and informed him of the mistake, he said he would fix it and asked me to come by the bank to sign new paperwork with the accurate spelling of my name. Which I did in the next few days. 
on XX/XX/XXXX I received a Notice of exception hold that said all {$2500.00} I deposited were on hold. 
Later on XX/XX/XXXX I received an overdraft notice for {$500.00}, Truist Bank said that XXXX of the XXXX money orders, the one ending on XXXX seemed to be altered or ficticious. They did provided me a copy of the money order that I was able to provide to XXXX and verify this money order was not altered and request a replacement money order. ( This process takes 25 days and it cost {$25.00} for XXXX to do this ) at this point I was tracking there was an issue with XXXX money order and contacted the Issuer of the Money order to get it resolve. 

Then on XX/XX/XXXX Truist bank Locked my account and sent me a letter saying they will close my account and break any relationship with me, based on the previous incident returning XXXX money order and me having to pay {$25.00} and wait 25 days I was ok with parting ways with Truist bank. I asked what would happen with the balance in my account, {$2000.00} and they initially said I would received a check in the mail. since receiving this notice, I called Truist bank every week asking where are my {$2000.00}. In my last conversation with Truist on XXXX XXXX / XXXX almost 45 days after I open this account Truist bank said my funds are being withheld for being ficticious, I requested a printed copy of the remaining XXXX money order equivalent to {$2000.00} so that I can contact XXXX XXXX They said they can not provide me any documentation nor will tell me what entity is holding my funds. I have a recording of this conversation where Truist representative does not give me any options to get supporting documentation for me to contact XXXX and get my money back. 
I submitted a complaint to the FDIC shortly after this call, On XXXX XXXX FDIC guided me to submit a complaint with the CFPB as you will be the appropiate entity to help me resolve this issue.
Product: Mortgage

This is our second complaint because First Home Mortgage refuses to cooperate with us and the Virginia Mortgage Relief Program to receive payment to save our home. This is an extremely time sensitive matter and the funds are available and waiting, we are very confused as to why they wont accept the funds and get this matter situated and why it is taking them as long as it is to handle this matter. It is urgent and we do not want to lose our home. We have been told there is a different servicer on the phone but our statements do not reflect that and no one is telling me any different. We have done conference calls with the program and our mortgage company and we are still getting the run around. At this point it feels discriminatory against us for bein low income and we will pursue that if need be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or near XX/XX/2022 I notice a fraudulent collection account appear on my credit report XXXX XXXX XXXX. I contacted the creditor and was told this was an old account with my name attached to it but they could not provide any historical data and offered to depute the fraudulent account. As it remained on my credit report I contract Equifax to file a dispute and in 30-Days I was told the company responded with an invoice and that the case was closed. I demanded to speak with the fraud department upon hearing this as this was not a proper investigation, merely uploading an invoice with my name on it barely an investigation and certainly not grounds to close the investgation. I was advise by Equifax to then verify my identity via certified mail, to which I did, and to dispute the fraudulent account again after I prove my identity. The Last step was to file a CFPB complaint and fax it over to Equifax and they would delete the within 2 business days.
Product: Credit reporting or other personal consumer reports

WESTLAKE Service Inc I did not give the consent to report any thing on my consumer report And I was Not Contacted At all nor did I give theam Written consent. 15 USC 68 02 A B C I would liked for this account to be deleted from my consumer report and all late or missed payments as well
Product: Credit reporting or other personal consumer reports

Based on the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing the necessary documents : a picture ID, a utility bill, and a letter from an advocacy group assisting me as a victim of XXXX XXXX XXXX XXXX which is categorized under XXXX as per XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I have provided identification and the required documents from the list of acceptable items, of which only two are legally required. Additionally, I have included a victim determination letter as specified in 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Since completion of my XXXX  XXXX Bankruptcy ( ended XX/XX/XXXX ), Nationstar / Mr. Cooper has done the following : Inaccurate credit reporting. 
Credit Reporting Errors.

Inaccurate Payment History. 
Reported incorrectly on credit report and failed to remove the error. 
Failed to report payments to the credit bureau. 
Credit reports pulled without knowledge or authorization, and without reason for doing so. 
Harassing and illegal debt collection and credit reporting campaign designed to pressure the homeowners into paying more than what the mortgage contract allows. 
I have attached XXXX credit report. Page 3 of 9 shows Nationstar reporting history. Page 6 of 9 show the pulling of monthly credit reports without my knowledge. Mr. Cooper was aware that there was a bankruptcy starting on XX/XX/XXXX.