23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

DATE : XX/XX/XXXX TO : Consumer Financial Protection Bureau FROM : XXXX RE : Complaint : Bayview Mortgage Application Dear Sirs and Madams, This complaint has three parts : 1. Extremely lengthy and scrutinizing loan review process ; 2. Error in the final mortgage approval decision ; and 3. NO Response from Bayview for clarification and correction. 

1. Lengthy/Scrutinizing Review. I initiated an application for a mortgage modification with Bayview Loan Servicing several months ago in XX/XX/XXXX. It took Bayview 6 months to review and reach an approval decision on this application. During the loan review process I was required to submit many documents including bank statements, contract agreements and letters. Bayview at times requested the submission of the exact same documents and information from me. This process felt extremely and unusually lengthy and scrutinizing. It was confusing and intrusive making the continuing uncertainty and requests for documents XXXX. However, throughout this process I complied with each request and in a timely manner. See attached email communications A, B and C. 

2. Error in Mortgage Amount Calculation. In XX/XX/XXXX Bayview approved a loan amount to be paid in a three month " Trial Period '' beginning XX/XX/XXXX through XX/XX/XXXX. The amount was not based on the information that was provided to Bayview but was higher and based on an INACCURATE salary of {$3800.00}. The difference between the original mortgage as of XX/XX/XXXX and the approved amount in XX/XX/XXXX was only {$120.00}. This was in error and did not constitute the kind of relief I was lead to be believe would result from the loan modification. See Document D. 

3. No Respone from Bayview for Inquiries. In XX/XX/XXXX after receiving the information about the approved loan amount ( that was an error ) I wrote an email to Bayview requesting clarification on how this inaccurate amount was reached and for a correction. I made four attempts to obtain a response from Bayview on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. There was no response from Bayview to my inquiries. The only reply was short sentence received on XX/XX/XXXX which stated : " Give me a moment to review and answer all questions ''. There has been no further response from Bayview to this date of XX/XX/XXXX. See Documents E, F and G. 


To date I am working out of the country and have requested that Bayview provide any information and documents to me via email - as they have done since XX/XX/XXXX. Additionally, I have completed the three-month trial mortgage period by making on time payments of {$1100.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This was done not that these payments are affordable and should have been based on the income information submitted to Bayview - but were made to successfully comply with the request in the XX/XX/XXXX approval document. 

With kind regards, thank you for your assistance and consideration. 
XXXX
Product: Student loan

I qualify for XXXX under the new waiver. FedLoan is my student loan servicer. They congratulated me on the forgiveness of my Unsubsidized loans but it still shows that I owe Subsidized loans. They were taken out the same time. Then, they said they needed to verify my employer. I even had my HR Representative send a letter to them for verification. Everytime I call, I'm assured that it will be forgiven but that it just takes time. I have helped multiple coworkers with this process and their loans were forgiven... Yet here I am, still owing when I shouldn't. Please help me? I've been a public servant even before I graduated from high school. This would be life-changing for me and my family. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My 12 months promotional monitoring service with Equifax expired on XX/XX/XXXX and I did not receive an email notification informing me of the change and new charges. When I signed up for the promotional service, I requested to be notified before switching to the regular service ; being doubled charged. When my credit card displayed the charge of {$16.00}, I immediately called Equifax and informed them that I did not authorize the charge and did not receive a notification of the change. The first Representative told me they no longer send out email communication. I then requested a Supervisor who informed that the email was sent on XX/XX/XXXX. I told him I checked both SPAM and my emails, the notification did not come into my box. I even offered to send him details ; a search query showing all my received emails from Equifax in my inbox and SPAM. Although, I am currently disputing the unauthorized charge with my credit card company, I would also like to file an official complaint against Equifax for their lack of customer service - submitting an unauthorized charge and unwillingness to correct the problem by reversing the {$16.00} fee. I was told by the Supervisor ( XXXX # XXXX ), I could speak with the email department and file a complaint, but he could not reverse the fee. The charge is a monthly service fee for service I will not be using. Although, I closed the account on XX/XX/XXXX and have no interest in continuing the monitoring service, they are forced to keep it open until next month to justify not refunding the monthly fee - account shows it expires on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I believe my Social Security number was compromised because I am a victim of a Data Breach/ Identity Theft. Because of this I initially reached out to the three reporting agencies with disputes and nothing happened so far. As a result I contacted the Federal Trade Commission and filed an FTC Report which I have attached to all the consumer reporting agencies. I disputed several accounts and hard inquiries that are due to Identity theft because I have no knowledge of these accounts and I did not initiate or open these accounts. These accounts are The disputed accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed Inquiries include XXXX XXXX XXXX XXXX XXXX XXXX These accounts are fraudulent and were not authorized by me. As per 15 U.S.C. 1681c-2 ( c ) ( a ), the credit reporting Agencies, within 4 business days must lawfully abide by and I request the following actions : 1. Immediate blocking of the disputed accounts from my credit report.

2. Notification to the furnisher of the disputed information regarding the blocked accounts.

3. A confirmation in writing that these accounts have been blocked and will not be reinserted into my credit report. I have also asked for them too attach an updated Credit Report as well.

nothing has been removed as of yet, and I need them to act immediately!!
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XX/XX/XXXXXX/XX/XXXX
Product: Mortgage

Deed was mis-recorded with just my name and not both my then husband and I. Home was declared and discharged in XXXX in 2009. I was told to move out and home was in foreclosure. My then husband joined the military shortly there after and was in XXXX. I moved out thinking it was being foreclosed on. Great, I could afford to live there and we did not want the house back. Years later I found out that I and I alone was sued by the hoa and bank had not foreclosed. I should have had SCRA protections but since my name was the only one on the deed I got sued. I have been defrauded over the last decaded, sued numerous times due to the deed being misrecorded. My now ex husband has been spared from any legal actions and this situation has caused no harm financially or emotionally to him. I have had to spend thousands in legal fees over the years. I had to file XXXX  last in XXXX because I am now XXXX because of an injury.. I am essentially homeless, but I do get a whopping XXXX a month on ssi. My bankruptcy is still ongoing because Ocwen is still lingering and I had to claim it as an asset. Ocwen is doing nothing with the property dispite letters from me from my attorney over the last decade trying to get this off the books and do a deed in lieu of etc. I either get no response or re-fi paperwork and a copy of the original mortgage paperwork where my ex husband and I closed on the property. This situation is simply ridiculous and I believe that it has violated my rights in numerous ways as well as causing me irreparable financial damage. 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 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
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 and XX/XX/2023 I send dispute letter to XXXX, XXXX and TransUnion asking them to remove or correct any errors, XXXX XXXX XXXX account # XXXX which is Missing Paid Off, and Original balance and Payment Summary are different on XXXX and XXXX in violation of 15 U.S.C. 1681. warning them that they are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of their first and second re-investigation, they stated that they verified that these items are being reported correctly and yet still nothing got removed or updated.
Product: Debt collection

I had an auto loan with the last payment date being, XXXX/XXXX/XXXX. The debt was removed from my credit report in XXXX XXXX. Bull City Financial Solutions bought the debt in XXXX and it continues to be reported on my credit report. I contacted them at the beginning of XXXX XXXX and they stated that I would need to submit information stating when the last payment was made on my account from the original creditor. I contacted Bull City Financial Solutions on XXXX/XXXX/XXXX with the information I received from the original creditor, to obtain information about where to send the verification of the dates they had requested. I was told by XXXX ( would not provide last name ), XXXX different dates that they had on file as to when my last payment was made to the original creditor. I was also told that they do not buy debts and when I requested them to send me information regarding the account they have, he refused to send me anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company called XXXX is reporting erroneous information on my credit report. The information they provide month after month is unverifiable and misleading. I have disputed several time with the same results. Verified by furnisher. Experian is the only credit bureau still reporting this incorrect unverifiable information. XXXX and XXXX  removed this after investigating my dispute. The company has several misleading details about my account. For starters they have the monthly payment wrong and the terms of the agreement as 185 months. Thats over 15 years on a 2000 model vehicle that was sold without notification of when and where. Mortgage payments are 15 + years. This is unverifiable and damaging to my life.
Product: Credit card or prepaid card

in late of 2021 I open a account with XXXX XXXX XXXX and paid the {$99.00} annual cardholder fee. In XXXX I went to use the card and my account no longer existed. I called the number on the back of the card and they said they no longer had my account in their system. This is a fraudulent company. No financial purges account info in less than a year from their system. My receipt for the {$99.00} cardholder charge cant even be opened. I attached it
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on case # XXXX, Loandepot documented that it's company had made a system error by reporting to all three credit agencies negatively impacting my credit. To this date, all three credit bureaus have not received all correct information and are still reflecting negative credit. I have already been denied credit due to the erroneous error on Loandepot 's system behave and has caused me over thousands of dollars of credit. 
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Product: Mortgage

I have been having an issue with my mortgage company freedom mortgage since XX/XX/XXXX. I filed for divorce in XXXX and at that time I was unable to pay some mortgage payments. I have tried to gain a modification through freedom mortgage and complied with all of their requests. As of now they have granted me a trial. Which I have been paying for the past six months they also told me in writing that I would be the successor of the loan. I am finding out that they no longer are willing to allow me to be the successor of the loan and want my ex-husband to still be responsible. I am willing to make payments in order to keep my home for myself and my XXXX small children I have been treated unfairly and have been fighting for my home since XXXX this has been a great struggle and I am finding that freedom mortgage is not willing to allow me to keep my home even through all of the efforts that I have made. I have fully complied with everything they requested ... they have given me false information they have lost a certified bank check that was made during this trial period and now they are taking back things that have been in writing. I am desperate for help!
Product: Debt collection

Genesis is trying to collect an amount that is not owed by me. I asked them to provided the account statement and it is not showing the correct amount. I asked my landlord to fix the account statement and send it to Genesis. Genesis denied that they received the most updated statement and keeping collecting the amount. It damaged my credit and they refused to handle my dispute through phone call.
Product: Checking or savings account

I received a letter in the mail from a credit agency ( XXXX  ) stating that I have a dept from regions bank and I needed to pay the debt collector. However I do not bank at Regions Bank nor did I have an account with them. Someone has stolen my information and opened and account on my behalf without my permission or knowledge, this is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been subject to identity theft. I have a hard inquiry on my Equifax credit report that does not belong to me. It is from XXXX XXXX XXXX which makes me think it was for a XXXX store card application. I have never been to this store before. I explained this to Equifax by filing a complaint but they wrongfully concluded that this was my inquiry. I called them but they were unwilling to help. The person on the phone got defensive and didnt explain what I needed to do until I told them that I will take them to small claims court if they dont point me in the direction to prove that this inquiry doesnt belong to me. When I said that, they told me to file a police or an FTC report. I have also frozen my credit reports on all three credit bureaus. This fraudulent XXXX inquiry cost me a credit denial because the lender I actually applied to thought I have been seeking credit recently which is how I originally found out about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to gain acres to my credit score and report online with Experian for weeks. Customer service over the phone is HORRIBLE, and they have not provided a way to verify my identity online or over the phone so I can access the information. Im regularly hung up on or placed on long holds. Somehow though, theyre sending my credit report out without verifying my address information, and have even placed a freeze on my credit report without my consent. So I cant access my own report, but theyve sent a copy of my report to some unknown individual at some address that isnt current, and may never have actually been an address of mine. When I go to upload any documents online to prove my identity ( which is a general process where you upload documents and THEN tell them what they are for ), the site conveniently times out every time I go to submit.. WITHOUT FAIL!!! Rather than protect me, theyve actually COMPROMISED the security of my info and have left me locked out of any way to find a resolution.
Product: Credit reporting or other personal consumer reports

The information reported is incorrect and outdated. It should be removed immediately from my credit report.
Product: Credit reporting or other personal consumer reports

Experian is reporting an inquiry from XXXXXXXX XXXX  from XX/XX/2023. I have not authorized this inquiry neither or has a business with this company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments that have not been verified!! they are not accurate and according to the law FCRA 623 I was supposed to be notified of this information. And this information was not sent to me in writing. Before it was put on my credit report!
Product: Checking or savings account

Checking account opened at Bank of America by an impersonator and unknown phone and email addresses were added to the account.
Product: Credit card or prepaid card

I contacted American Express about about a fraudulent attempt to acquire a credit card with my information. I informed them I have not applied to their company for credit and their fraud department assured the matter would be handled and it would not impact my credit. I received notice from my credit monitoring service of an inquiry made on my credit report after American Express assured me no such inquiry would take place
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received news that Equifax ( Company ) had went through a cyberattack. I have viewed the Equifax website for more information, and enrolled in the Equifax security breach mechanism. This latter part was to determine if my social security number was compromised. I received a message confirming my SS compromise and, subsequently, attempted to place a 90-day initial fraud alert on my SS account. However, the website was unable to do this as it is under high stress attempting to resolve the issue for millions of people ; I will have to wait until a later date to refill the initial 90 day fraud alert. Next, I attempted to view my credit score at XXXX, but was unfortunately greeted with the message that they were unable to fulfill my requests. I believe they too are under high stress resolving issues for millions. And so, I come to you now, filing a complaint : I would like to place a initial 90 fraud alert from Equifax, XXXX, and XXXX on my SS account. I have reason to believe my SS account has been compromised.
Product: Credit reporting or other personal consumer reports

I reviewed my current credit report from XXXX, TransUnion & XXXX and it seem to have inaccurate information and fraudulent accounts on my credit report with all credit bureaus. As a consumer this is holding me back to get a house for my family.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate and fraudulent information present on my Experian consumer report. The inaccuracies pertain to false names, addresses, and phone numbers, which are in violation of the Fair Credit Reporting Act ( FCRA ). As such, I request the immediate intervention of the Consumer Financial Protection Bureau ( CFPB ) to rectify this matter in accordance with FCRA regulations. 

Details of the fraudulent information on my Experian consumer report are as follows : Incorrect Names : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
False Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccuracies not only undermine the integrity of my credit profile but also pose a serious risk to my financial well-being. As a consumer protected under the FCRA, I am entitled to accurate and verifiable information on my credit report. The presence of fraudulent details compromises my ability to access credit and financial services, and it is imperative that they are promptly removed. 

I have attempted to address this issue directly with Experian but have not received satisfactory resolution. Despite providing evidence of the fraudulent nature of the information, Experian has failed to take appropriate action to correct the inaccuracies. 

Enclosed with this complaint are copies of relevant documentation, including my valid identification and proof of residence, to support my claim. I urge the CFPB to investigate this matter thoroughly and compel Experian to comply with FCRA regulations by promptly removing the fraudulent information from my consumer report. 

I appreciate your attention to this matter and request that you keep me informed of any actions taken regarding my complaint. Should you require any further information or documentation, please do not hesitate to contact me at the phone number or email address provided above. Attached is a copy of my dispute letter sent to Experian. 

Thank you for your prompt assistance in addressing this issue.