23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX and XXXX mortgage have refuse to explain how they came up on my credit file and the unknown loan number as they don't follow the FCRA rules and appears are connected to XXXX XXXX XXXX XXXX XXXX XXXX on the chain. Please refer to XXXX XXXX XXXX case # XXXX and CFPB # XXXX fatic fraud by them. 

Notification date XX/XX/year> XXXX EST Order Date XX/XX/year> XXXXXXXX XXXX order number XXXX XXXX XXXX XXXX XXXX number XXXX Subscriber contact XXXX XXXX Subscriber name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX subscriber loan XXXX Borrower XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please conduct an investigation and clarify your errors and Rightful owner confirmation.
Product: Mortgage

I originally had a mortgage through XXXX XXXX  which was never paid late. Then on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This caused me to have a hardship and have to put my payment on forbearance/dererment. The loan was transferred to XXXX XXXX  and then to Carrington mortgage Bank. Carrington rejected our application to be on deferment. And instead of adding all the late payments to the end of the loan they marked late payments all across all three mortgage companies. By the time it was transferred it left negative late payment remarks on my XXXX, XXXX and XXXX credit reports as late payments past 120 days. XXXX XXXX  apologized and removed the late payments. But XXXX and Carrington have not. We have hired credit repair companies for the last two years. We have messaged and called each credit bureau and mortgage company to try and get these removed but have had no luck. 
We are ready to move past this incident and be able to buy or build our dream home but can't with this on my credit report.
Product: Mortgage

My parents passed away suddenly and I have a will stating I will receive all proceeds and property. Midland Mortgage has the process impossible and difficult. They have been giving me the run around for over 2 years. I have spent money on top of money with no resolution. They claim they dont have paperwork when I have all receipts that they do. I have spent moneys on attorneys and still they refuse to help. Now they want to foreclose. They just asked today for birth certificates and at this point they are just reaching and refusing to comply. I have been stressed and still cant properly grieve for my parents due to this
Product: Credit reporting, credit repair services, or other personal consumer reports

1.this account is 7 years old its time to remove it 2.they are reporting as ( ok ) on equifax and the last date they reported it was on XX/XX/XXXX 3. On XXXX they did not report since XXXX 4. XXXX they are not reporting at all 5. Equifax says the last payment was on XX/XX/XXXX 6XXXX says last date of payment is XX/XX/XXXX 7. XXXX says the last payment was on XX/XX/XXXX 8. All 3 have different comment on that section This needs to be removed due to fcra Al due to date inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$51.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX {$0.00}
Product: Mortgage

As of XXXX XXXX I received a statement from XXXX XXXX Mortgage to pay for VA XXXX XXXX charges and fees of {$7500.00} as I have been waiting for VA XXXX underwriters approvals for my VA XXXX XXXX since XXXX XXXX till Present. 
I can not pay {$7500.00} for VA Mortgage or VA XXXX modification Fees and property Inspections charges and fees. 
Why is XXXX XXXX Mortgage investors Underwriters stalling to approve and make my VA Mortgage affordable under {$7000.00} - {$1800.00} a month.? 
It appears that XXXX XXXX Mortgage is continuing to Retaliate and Discriminate me as a Cuban-American XXXX Military Veteran.and Plus my XXXX Lifetime status. 
I am waiting for the new VA affordable Mortgage payment so I can start making my timely payments starting XXXX XXXX. 
Also in due of respect to First XXXX Mortgage I have told lender administration in writing and verbally phone conversations that I do n't have no Attorney representing me of XXXX, Texas Attorney XXXX XXXX. He is no longer my attorney. 
XXXX XXXX was my representing attorney for Bankruptcy XXXX XXXX on XXXX XXXX. 
Lender keeps Retaliating me with adding attorney XXXX XXXX on their letters and statements. 
Why lender keeps doing this to me because I keep filing complaints and I am XXXX or by showing Consumer Financial Protection that Attorney still active?. 
This is false and fraud on XXXX statements to Federal Government. 
Federal Government can confirm with XXXX, Texas Attorney XXXX XXXX is not my representing Attorneys. Here is the contact phone number XXXX for their legal firm in XXXX, Texas. Their address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas ; XXXX XXXX VA XXXX modification approval has been halted over 60 days and now is another 30 days for VA XXXX approval and Lender wants me to pay {$7500.00} in which I do n't have and can not afford to pay. 
It appears that VA XXXX wants to " Foreclose my home on XXXX XXXX so lender does n't have to worry about the wrongful and unlawful acts of Frauds and escrow and VA XXXX. 
I am XXXX Lifetime and Retired and Divorced and I live alone in my home and limited XXXX Lifetime Income Pension Retirement. 
I am not eligible for Social Security Benefits. I am XXXX XXXX XXXX and I was denied Social Security Benefits. 
VA XXXX can come and inspect my home with Federal Government. 
This is a Very Urgent Matters ..
Product: Mortgage

I submitted an application to Wells Fargo Home Mortgage to refinance my existing mortgage on XX/XX/XXXX. I was informed by the representative that I had to pay appraisal fee & if the application was disapproved I would be refunded the fee. I agreed and paid the fee. However, during the process I received the approval estimate for the agreed loan, however, the company disapproved the application during the final steps of the process because my deed was a life estate deed & they requested I reverse the deed. I attempted to change the deed however with the Covid outbreak the office was closed to the public & everything was being done by mail which would take longer. I informed the mortgage co. & they stated that I would lose the rate lock that would result in paying another fee to keep the rate lock. Therefore, they closed the application & I requested the refund of the fee, which was denied. I filed a complaint with the company & they responded on XX/XX/XXXX stating that the fee was to a third party & they had no evidence that the representative informed me that I could be refunded. I have full powers of the property in the life estate deed & the company informed me that I could remove it & then place it back in life estate deed once the refinance was completed, which did not make any sense to do and cause more fees.
Product: Money transfer, virtual currency, or money service

On XX/XX/21, I received my 1st deposit into my XXXX account from XXXX of DEED the 1st deposit was for {$470.00}, and the second for the fed unemployment {$300.00} for a total of {$770.00}. Within 10 minutes of that deposit being made Chase ( JPMorgan ) unauthorized hacked into my XXXX account, initiated a link with my XXXX account and transferred the entire deposit to themselves. I haven't had a Chase account in over 8 months. My account was closed and Chase still has over $ XXXX of my money, tied up in disputes. I saw the email I received from Chime that Chase watrying to link the bank, however when I look on my side - Chase IS NOT a linked account. I looked on my account online and saw it suddenly had a XXXX balance. I contacted XXXX immediately, explained that this was an unaurhoeized transfer and it needed to stop which they did. However, unknown to me, after 20 minutes Chase came back in and this time took {$500.00} from the account which I noticed this morning and tried to stop it but couldn't stop it, so I files a dispute against Chase to get the money back. I'm a XXXX XXXX XXXX disables woman living on XXXX and unemployment ( having to look for work to pay bills and get my medicines ). I can't afford to tose {$500.00} to a bank I no longer have an account with and they owe ME money!!! Chase needs to be help accountable for unauthorized withdrawals!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$370.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$730.00} ; XXXX XXXX XXXXXXXX Balance : {$180.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} ; XXXX XXXXL ( Original Creditor : XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$190.00} ; XXXX XXXXXXXX Balance : {$25.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : TXXXX XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out to Transunion, XXXX XXXX XXXX XX/XX/2023. However it been more than 30 days and the credit bureaus failed to send my investigations back. This is not making sense. According to the law 15 U.S.code 1681 I Procedure in case of disputed Accuracy of any item information contained in consumer 's flie at a consumer reporting agency and the consumer notifies the agency directly or indirectly through a reseller of such dispute the agency shall free of charge conduct a reasonable reinvestigation to determine whether the disputed information is Inaccurate and record the current status of the disputed information or delete the item from file in accordance with paragraph ( 5 ) before the end of 30 day period beginning on the date.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TransUnion, XXXX of the major credit reporting agencies, regarding their failure to properly investigate disputes I submitted concerning inaccuracies on my credit report. This complaint is made in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under Section 15 USC XXXXi. 
My credit report from TransUnion identified several inaccuracies that could adversely affect my credit score and overall financial standing. The inaccuracies include inaccuracies, incorrect account balances, accounts that do not belong to me, unknown names, unknown addresses, and outdated information. Upon discovering these discrepancies, I promptly filed a dispute with TransUnion, which failed to conduct an adequate investigation into my disputes. 
However, despite my efforts and the clear evidence provided in support of my dispute, I did not receive a response from TransUnion, that they had completed their investigation. Unfortunately, this response did not adequately address the specific inaccuracies I reported. Instead, it merely confirmed the information as accurate without providing any substantial evidence or rationale for their conclusion. 
This lack of proper investigation is a violation of my rights under the FCRA. According to Section XXXXi ( a ) ( XXXX ) ( A ), when a consumer disputes information in their credit report, the agency must conduct an investigation and review all relevant information provided by the consumer. In this case, it appears that XXXX failed to fulfill this obligation. 
I am requesting that your office investigate this matter further and take appropriate action against XXXX for their non-compliance with federal law. Additionally, I would like to request that you assist me in ensuring that my credit report is corrected to reflect accurate information as per my original dispute.
Product: Debt collection

In XX/XX/XXXX. Accident happened. All state never sent me anything about the accident or about what I needed to do on my end. A year later I get a paper from national service Bureau collection for XXXX. On XX/XX/XXXX, They wont give me any proof of pay out or any debt validation.
Product: Mortgage

Ocwen Loan Servicing , LLC sent an Annual Escrow Disclosure Statement to me dated XX/XX/XXXX with an analysis date of XX/XX/XXXX. I received it on XX/XX/XXXX. 

On Page XXXX in the Escrow Cushion and Potential Escrow Shortage section - Expected Balance Deficiency paragraph, the communication stated that the total shortage is {$17.00}. On Page XXXX in the Escrow Account Projections section, the communication stated that the shortage may be paid directly and if the shortage is paid, the monthly payment will be adjusted accordingly. 

I paid the {$17.00} directly, which is shown on the XXXX XXXX Ocwen mortgage account statement that I received on XXXX XXXX. However, Ocwen still raised my total monthly payment to {$1100.00} instead of keeping my total monthly payment at {$1100.00}. Ocwen raised my total payment in XX/XX/XXXX after I paid the escrow shortage shortfall directly and could not explain the reason when I contacted them about it. 

With previous mortgages that I have had, the mortgage company kept my total payment the same when I paid the escrow shortfall directly. I am contacting the Consumer Financial Protection Bureau regarding why Ocwen 's communications state that they will keep my total payment the same amount if I pay the escrow shortage shortfall directly and they do not do this. Thank you for your reply.
Product: Checking or savings account

I can not link my checking account with a finance company to transfer funds
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am a victim of the Equifax XXXX breach as well as the NATIONAL PUBLIC DATA data breach. This fraudulent, inaccurate, and false information consists of the following fraudulent hard inquiries : XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX ENTER Inquiry date XX/XX/XXXX XXXX XXXX XXXX CREDIT Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX BANK Inquiry date XX/XX/XXXX XXXX BANK Inquiry date XX/XX/XXXX XXXX BANK Inquiry date XX/XX/XXXX There should only be XXXX name on my credit report. My address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. All other addresses on my credit report are undeliverable and should be removed immediately. I do not recognize the aforementioned names, addresses, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue I have with Equifax violating my rights and the laws according to but not limited to 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT. I have encountered with 2 accounts reporting information incorrectly on my credit report to include Department of EducationXXXX and XXXX XXXX XXXX on Equifax. Specifically, I have noticed that my credit report indicates that I was 60 days, 90 days, and 120 days late. However, there are no prior 90, 60, or 30-day late payments, which indicates that this information is inaccurate. 

I am concerned about the impact that this inaccurate information may have on my credit score and my ability to obtain credit in the future. As you may be aware, federal law requires that credit reporting agencies report only accurate information about consumers, and that they must investigate any disputes regarding inaccurate information. 

I am therefore requesting that you reinvestigate this matter and take appropriate action to ensure that the Department of Education and XXXX on Equifax comply with federal law and delete any incorrect information from my credit report. 

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

I have sent a XXXX letter to Experian about addresses that I am disputing because they are inaccurate. I have never lived at any of these addresses and ask them for validation of how they are verifying this addresses with no response other then the same form letter they sent before. The addresses are : XXXXXXXX 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 I would like these addresses deleted from my credit report because they are inaccurate
Product: Credit reporting or other personal consumer reports

I did not authorized this inquiries and is fraudulent.
Product: Payday loan, title loan, personal loan, or advance loan

I signed up for a loan with boostyourscore.com. I was unaware that this was credit reporting and that I could have the loan for which I signed up in a year after the account was paid into. I immediately ( within seconds not days ) requested a cancellation of the account and boostyourscore.com waiting until the first payment of {$82.00} was processed and legal action threatened to close the account. After demanding a refund, they are trying to say that with accrued interest charges I am not entitled to a refund. When signing legal contracts, this company looks like a legitimate loan company for people who need it yet it is not. I asked for my refund, was finally told it takes {$60.00} and we wont refund the entire payment. I involved the XXXX XXXX XXXX which resolved nothing.
Product: Credit reporting or other personal consumer reports

Please DELETE the listed unauthorized Inquiries below. I already included them in my previous letters request to remove these inquiries, however until now they still reporting on my credit file. 

XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX Bankruptcy Account # XXXX Date Opened XX/XX/XXXX This account is from identity theft XXXX  XXXX Account # XXXX Amount {$500.00} Date Opened XX/XX/XXXX This account is from identity theft XXXX XXXX Account # XXXX Amount {$7000.00} Date Opened XX/XX/XXXX This account is from identity theft XXXX XXXX Account # XXXX Amount {$1200.00} Date Opened XX/XX/XXXX This account is from identity theft XXXX/XXXX  Account # XXXX Amount {$700.00} Date Opened XX/XX/XXXX This account is from identity theft
Product: Credit reporting or other personal consumer reports

The attachments explain in detail, I got furniture from XXXX and they went through TD Bank for the credit card. I provided all of the correct information to them and they will not remove XXXX as late. I show proof of giving them my correct address on the application as well as the fact that I had to provide my STATE issued license with the correct address. I was not to be billed until after I received my furniture which would mean, I would have gotten my first bill in XXXX, I even paid more than the {$75.00} minimum monthly payment in XXXX and again in XXXX. Had these late fees not been tacked on, XXXX would not have reflected late and I do my diligence to never be late on my bills. their error is negatively impacting my credit report.
Product: Checking or savings account

A auto mechanic charged me over {$5200.00} claiming they did work. They did nothing to the car and I had two other mechanics verify this. I provided this evidence to Chase Bank and they only temporarily overtured the charge only to reverse their decision later on siding with the mechanic who falsely charged me for {$5200.00}. 

I provided photographic evidence, written statement, and receipts even showing me they charged me for the wrong parts. Chase did not even contact me after the fact of sending them this information. They did not even inform me by phone that this was denied which caused me some temporary financial issues. ' I also have high resolution photos to prove my case showing the dates on the installed parts. Chase never discussed the suspiciousness of this ever with me. 

Also the receipts I provided says they installed XXXXXXXX XXXXs, which are yellow and clearly not on the car, the mechanic later said oh no we installed " refurbished '' originals. Chase also didn't seemingly care about this lie and false representation. 

I have a PDF with photos and photos that exceed the XXXX limit that may help with my case.
Product: Debt collection

Financial Recovery Services , Inc. sent an addressed letter to my boss personal home regarding my debt.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX does not belong to me, I have not signed anything it is fraud, I have provided Transunion mulitple times to remove this from my credit report. I also sent in a dispute letter on XX/XX/XXXX, Transunion told me it wasnt me that sent in the letter when i told them it was me and gave them proof of identify. Transunion told me they will not process my letter which is illegal.