23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to request an urgent investigation into a matter concerning my home mortgage account, which I believe involves mismanagement and potential fraud. This letter is directed to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), the State Attorney Generals Office, and the Federal Deposit Insurance Corporation ( FDIC ). 

On XX/XX/XXXX, I received documentation from Bank of America indicating additional fees and charges on my mortgage account. When I attempted to seek clarification from their representatives, they were unable to provide satisfactory explanations. The documents, which cover the period during which XXXX XXXX XXXX assisted me with my mortgage payments, reference what Bank of America describes as deferred payments. However, I believe this claim is incorrect. 

To provide context, XXXX XXXX XXXX made a payment of over {$17000.00} to Bank of America under my file number ( XXXX ) to bring my mortgage account up to date in early fiscal XXXX. Since then, all payments have been made on time with XXXXXXXX XXXX XXXX  continued assistance. Despite this, Bank of America continues to reference deferred payments that I believe should not exist. 

Additionally, the documents in question reference account activity dating as far back as XXXX and continuing through XX/XX/XXXX, a period for which I have already provided supporting documentation. On several occasions, I have requested that any overage of payments be applied directly to my principal, but this request has been repeatedly ignored, as evidenced by my account history. 

On XX/XX/XXXX, I visited a local Bank of America branch to ensure that a {$100.00} payment was applied exclusively to my principal, as per my previous requests. I have attached documentation to confirm that the payment was processed accordingly. 

More concerning, on XX/XX/XXXX, I received notice that my mortgage loan is being transferred to XXXX XXXX  XXXX, effective XX/XX/XXXX, XXXXwith less than two weeks notice. The letter indicates that once the transfer is complete, I will no longer have access to my loan information. This is highly concerning, especially given the unresolved issues surrounding my account. 

I am requesting an immediate investigation into these issues, as I suspect they may represent fraudulent practices or at the very least, gross mismanagement. I am particularly concerned about the improper application of payments, the misrepresentation of deferred payments, and the potential misuse of state funds in relation to my mortgage assistance through XXXX XXXX  XXXX. 

Please find attached the following documents for your review : The letter from Bank of America regarding the transfer of my loan to XXXX XXXX  XXXX. 
My last four mortgage payment statements, which demonstrate inconsistent application of payments to both interest and principal. 
I appreciate your prompt attention to this matter and look forward to any guidance or assistance you can provide in resolving this issue. 

Sincerely,
Product: Mortgage

My monthly loan payments ( w escrow ) are made from XXXX XXXX XXXX XXXX from XXXX. KS through their bank webpay. This process has been ongoing without issue until XX/XX/XXXX. The usual payment of {$1400.00} was sent from XXXX XXXX XXXX XXXX as usual into LoanCare and was cashed on XX/XX/XXXX. Loan Care claims that they didnt received the payment???? I became aware that the payment was past due in early XXXX in reviewing my monthly statement. Since early XXXX I have called loan care ( XXXX XXXX ), I have emailed them, I have even attempted to get assistance over social media. The last email I received asked for copies of the cashed check ( front and back ), of which I informed them the bill pay does not use actual checks, the payments are made electronically. I also received an email stateing that they just received a XXXX check on XX/XX/XXXX, however that was the XX/XX/XXXX mortgage payment ... .that was not the missing payment. ( XXXX ) I have used what savings I have to bring the loan current, however loan care seems un-interested in finding my missing payment and I am reaching out for assistance. As a XXXX Veteran I can not afford to have this amount of money be stolen from my family. XXXX, My property manager is XXXX XXXX of XXXX XXXX. These are his banking documents from XXXX XXXX XXXX XXXX. Their phone number is ( XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : 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 card or prepaid card

I was not notified by Capital One that my Venture card was about to auto-renew for the {$59.00} membership fee. I received an email that a membership fee was on my statement and I called them to downgrade to a card that did not have a membership fee before it was taken out of my account. I was given a new card with no fee, but then still charged the membership fee for the Venture card. I called Capital One and was told that they could not reverse the charge because my Venture card was technically active for a few days. A supervisor told me that I would have needed to call 40 days before the membership auto renewed to successfully downgrade to a card with no fee, which is not common knowledge. Additionally, I was told that I " agreed '' to still pay the membership fee for the Venture card when I accepted the new terms and conditions for the card with no membership fee. I asked for them to share the recorded call where I technically " agreed '' to still pay the membership fee for the other card and they said it was proprietary information. They have refused to reverse the charges. Their practices for auto-renewing membership fees are incredibly deceptive and trapped me into a credit card that I no longer want.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has inaccurate credit data in my credit file and has been providing erroneous credit scores to potential lenders. Experian is inconsistently reporting my credit score depending on who the requestor is and the purpose of the request. In XX/XX/XXXX, Experian communicated my credit score as being XXXX to XXXX. In XX/XX/XXXX, Experian reported my credit score was XXXX to XXXX, who reported to XXXX.

On XX/XX/XXXX Experian reported my credit score to be. On XX/XX/XXXX, Experian reported my credit score to XXXX as being XXXX. Because of Experians preferential credit score reporting, I have been declined twice for a home loan and incurred additional points off my credit because of the multiple lender inquiries. If I had though my score was a XXXX, I wouldnt have applied for any type of loan.

Additionally, Experian has failed to correct my credit report with accurate information, regardless of my numerous attempts. There is even an account ( XXXX XXXX - student loan ) that Experian is showing as a negative account even though the loan was paid off and states paid as agreed. That account is over 7 years old, so if it was negative as they have classified it, it should have been removed.

Experian should take immediate responsibility for their inaccuracies. The interest rates are rising, and I have my hands tied as I wait for this professional credit bureau to decide when they will update my report, so it accurately reflects my score. It sure is convenient timing for the credit reporting agencies to take their time to fix their mistakes, as interest and property inflate.

My understanding is that as a consumer I have a right to an accurate credit report and score and that the process put in place today is to ensure mistakes are fixed in a timely manner. Additionally, my credit score is to be reported truthfully and consistently. As such, my rights as a consumer have been violated by Experian.
Product: Debt collection

I rented a car from XXXX XXXX in XXXX. The vehicle 's window was smashed when the car was broken into. I received no communications regarding paying the damage until XX/XX/year>, when I was emailed a " final notice '' notifying me that I had ten days to pay the debt or it would be forwarded to a collection company. Notably, that notice did not include any information about how to pay the debt electronically. I responded to the email requesting information about how to submit the claim to auto insurance, but received no response. I decided to mail a check to avoid having the debt go to collections, in large part because the only information in the letter to pay the debt was about mailing payment. By XX/XX/XXXX, I saw that the check had not been cashed, so I XXXX  how to pay the debt electronically. I made a payment via credit card, and submitted a " stop payment order '' for the check to my bank. I emailed XXXX  to explain the situation regarding the check, and evidencing my payment via credit card. The company responded, stating they had received the electronic payment, and providing me a letter closing out the debt on XX/XX/year>. I later received a phone call in early XXXX telling me that the check I had mailed had not been valid, and that the debt was not paid. I clarified verbally that the debt was paid electronically on XX/XX/XXXX, and the debt was already closed. On XX/XX/year> I received notice that the debt was sent to Transworld Systems for collection, despite the fact that I paid the debt on time, I was not given sufficient information to submit an insurance claim, and I clarified that the debt had been paid when there was miscommunication regarding the check. I believe my consumer rights are being violated as a result of this attempt to collect a debt I have already paid. As evidence of my complaint, I am attaching a copy of the correspondence I have sent to the debt collector, including evidence the debt has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called upon an attorney years ago past to correct false reporting on my credit report from Experian. As a result I was dropped into Experian 's punishment group called " Special Handling ''. In order to dispute or get a copy of my credit report I have to spend days on and off the for many many hours to get a report or dispute. Depending on the mood of the Experian rep that day, I may get help or not get help. I was assigned a Special Handling rep named XXXX XXXX XXXX in Texas. This guy apparently has some bias toward as he ignores most my dispute complaints and treats me like a parent scolding a youngster. He is not fair or professional in his dealings with me. I have tried to get another person assigned... but I give up as Experian ignores my repeated request. The whole point I that I'm being punished and made to suffer for standing up for my rights and I shouldn't be. If any counsel out there reads the public disclosure of this and would like to make contact with me, please do so. Otherwise, Im in the hopes that CFPB can help beforehand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian noncompliance documentation support my dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Last Four of SSN # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im looking to purchase a home and the inaccurate records on my profile are stopping me from achieving my dreams.
Product: Debt collection

This company XXXX XXXX XXXX XXXX XXXX used to supply water to the office XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where I work, their services were terminated for non-performance. they did not deliver the water to the office they have been delivering the water bottles to the wrong business XXXX XXXX. 
However, because of erratic performance and resultant services termination, they wanted us to pay for all the services that were delivered at the wrong office. Because of the disagreements, they went ahead and took the account to collection. Not only that they reported it as personal debt on my credit which is an abuse of credit law 1. XXXX XXXX XXXX is a registered business entity and not the same as me 2. I Never personally guaranteed any services 3. Deliberately putting an incorrect reporting on my personal credit wrong and unlawful 4. I have called many times to make them correct this anomaly but they refused 5. I do not reside at this service and this purely a business place 6. u can not slam someones credit because you have access to it 7. I didn't enter into any personal agreement or contract with them
Product: Credit reporting or other personal consumer reports

Dear XXXX Representative, Their is a fraudulent account reporting to my credit report as a result of identity theft Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I submit this written dispute to request Blocking of inaccuracies on my XXXX credit report resulting from identity theft.
Product: Mortgage

I reached out XX/XX/XXXX in regards to the deferred interest because I am trying to do a refi out of this loan with another company. I was told the amount, I paid it and now there is another amount added to my account and no one will call be back. 

I call daily and leave messages with my phone number and still no response. They are holding me XXXX in this loan and my new loan agent can not move forward until the deferred interest on the payoff request is 0. They keep adding more fees and amounts and wont explain it.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Improper Reporting and Denial of Payment on XXXX Account Dear Consumer Financial Protection Bureau, I am writing to file a dispute regarding my XXXX XXXX ( XXXX ) account due to their improper handling of my payments and reporting to credit bureaus, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). 

In XX/XX/XXXX, my XXXX account fell behind with a couple of late payments. Starting in XX/XX/XXXX, I made numerous attempts to bring the account current and pay the overdue balance in full. However, XXXX consistently refused to accept my payments or provide me with any information about my account. They claimed that the account was not under my authority to address and alleged that a third-party entity, XXXX XXXX, held power of attorney over the account and needed to release it for me to make payments. 

This claim is false. XXXX XXXX never had power of attorney over my account, nor did I authorize such an arrangement. ( Ive included the forms which a consumer has to fill out for that to ver even be the case and ive never filled those forms or submitted them to XXXX. This is account is fraudulent due to these remarks. 

Granting power of attorney requires the submission of specific forms, which I never completed. From XX/XX/XXXX to XX/XX/XXXX, despite repeated efforts, I was denied the opportunity to make payments on my account. This refusal caused additional late payments to accrue, negatively impacting my credit report. XXXX ultimately charged off the account, adding misrepresented balances and interest that should not have been applied. 

In XX/XX/XXXX, I obtained documentation from XXXX XXXX confirming that they did not and never had power of attorney over my account. I submitted this proof to the CFPB, which led to XXXX acknowledging, after several months of refusal, that I could now make payments on the charged-off account. 

XXXXs conduct is a clear violation of my rights under the FCRA and other consumer protection laws. Their refusal to accept payments from XX/XX/XXXX to XX/XX/XXXX, despite my ongoing efforts, resulted in unwarranted negative reporting to credit bureaus, including late payments, a charge-off, and additional fees. 

To support my claims, I have enclosed : XXXX. Phone records documenting my repeated attempts to contact XXXX during the dispute period. 
XXXX. Emails from XXXX XXXX confirming that they never had power of attorney over my account. 
XXXX. Prior narrative correspondence submitted to the CFPB, which XXXX previously denied. 

I respectfully request the complete removal of all negative reporting associated with this account from my credit reports. XXXX refusal to accept payments directly caused these inaccuracies, and I believe the account should be fully removed from the credit bureaus due to their mishandling of the situation. 

Thank you for your assistance in resolving this matter. 

Sincerely,
Product: Mortgage

Loan officer never told me about all of the requirements for getting a mortgage. Entered into an agreement t purchase a home that needed some work. Loan officer told me the requirements under the loan I was getting were, A room must a closet to be considered a bedroom and that home ca n't have any unfinished rooms. With that information a I agreed to continue and have an appraisal done. When the appraisal came back it was noted to have some minor peeling paint and a couple of loose roof shingles. Loan officer told me that in order for Mass Housing to approve this loan I would need to repair these items. Neither I or the homeowner were ever in a position to do this. Had I known that these items would have been a requirement I would n't have gone forward with this appraisal. This is just XXXX example of the deceptive and incompetent practices from Mortgage Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my communication is to file a complaint against Experian and XXXX, a credit bureau, for its improper handling of fraudulent accounts that appear on my credit report. 

I recently discovered that there are accounts on my credit report, issued by Experian and XXXX, that are fraudulent and do not belong to me at all. I have become a victim of identity theft, which has significantly affected my financial situation and my emotional well-being. 

I have made several disputes directly with Experian and XXXX, providing all relevant documentation, including an identity theft report, to prove that these accounts do not belong to me. Despite my efforts, as of the date of this letter, Experian and XXXX has not acted effectively to correct this inaccurate and damaging information on my credit report. 

The presence of fraudulent accounts on my credit report negatively affects my ability to obtain credit, loans and other essential financial services. Also, as a consumer, I have a legal right to receive an accurate and up-to-date credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Although I have followed all procedures required by Experian and XXXX to dispute these accounts, I have not received a satisfactory response and the incorrect information has not been removed from my credit report. 

Therefore, I request the intervention of the Consumer Financial Protection Bureau to investigate this situation and take appropriate action against Experian and XXXX for not complying with the regulations established by the FCRA. I also ask that you ensure that my credit report is corrected and that these fraudulent accounts are removed immediately. 

I am enclosing the identity theft letter again. 

I sincerely appreciate your attention and assistance in this matter. I hope the Consumer Financial Protection Bureau can help me resolve this situation and ensure that my rights as a consumer are respected. 

Please provide a written response once you have completed your investigation.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> an installment loan was facilitated by Affirm. A request was made to evidence the merchant XXXX XXXX  made attempts to update on the order. That never happened and AFFIRM is mitigating responsibility to supply requested evidence. The order was assumed forgotten. The dispute keeps being resolved with proof of delivery. Thats not the issue. The order was assumed forgotten without Merchant Response. Without affirm acknowledging and complying with my evidentiary request, this dispute is not considered resolved.
Product: Debt collection

Received collection letter from XXXX XXXX XXXX regarding debt that is not mine ie library books & materials already returned
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX DO NOT CONFUSE WITH CONSUMERS OF SIMILAR IDENTIFICATION ; VERIFY ALL IDENTIFYING INFORMATION. 

XXXX : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Credit reporting or other personal consumer reports

I did not authorize any credit inquires below 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

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX
Product: Credit reporting

I have tried contacting the credit reporting agency at all their available numbers, however, I have repeatedly been unable to get in contact with a real person. Every programmed phone tree I am placed in eventually tells me to get my free report from the annual credit report website, then hangs up on me. When I tried to re-access my report, the agency says I 've already accessed my report, even though I was denied on my first try. I have no idea who to contact on this matter.