23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received notice that my mortgage was being sold to Freedom Mortgage back in XXXX 2016, so I called my current mortgage company and asked how XXXX 's payment would work since I had it set up as auto pay. I was told by my old company I would have to pay Freedom for the month of XXXX and they would not auto draft the funds from my account moving forward, so I immediately called Freedom to schedule payment but was told they did n't have all of the documents ready to set up payment but I legally had a 60 day window to the month of XXXX and it would not be counted against me, so I did n't worry and finally everything settled and XXXX 's payment was payed on XXXX XXXX. Boy was I wrong to let my guard down nowhere it is XXXX 2016 and I 'm trying to refinance front om FHA to a conventional and have been told by Freedom I 've been denied based on delinquency from XXXX. I am beyond frustrated because I have never been late or missed a payment prior to my loan being transferred which was out of my control, how is this legal for a company to penalize me when I was in the 60 day window? I am lost as to what I can do I 've tried explaining this to them but they keep giving me the run around, what are my options?
Product: Credit reporting or other personal consumer reports

I was in an approved forbearance plan in XXXX, prior to, my mortgage was in good standing. My mortgage comp XXXX XXXX reported to TransUnion that I was 180 days late XX/XX/2023, again I was on an approved forbearance. In XX/XX/2023 XXXX paid in full my mortgage delinquency to XXXX. XXXX. Payment was sent on XXXX XXXX in the amount of {$17000.00} ( I do have documentation from XXXX ) Also, per the Cares Act Law signed XXXX XXXX amending the FCRA, to stop adverse credit reporting during COVID-19 crisis. 
I can not obtain a loan for home repair until XXXX XXXX remove this erroneous error, reflected on my TransUnion XXXX XXXX XXXX and XXXX XXXX dated XX/XX/2023. 
Also, XXXX XXXX had a data breach in XX/XX/2023, in which I am continuously contacted via phone with spam robo lender calls from XXXX M-F. I receive 3-5 junk mail letters from lenders all directly related to the financial breach. Prior to the breach I never received calls/ mail of this type. 
Note ; I filed disputes with all 3 reporting agencies. Mortgage lender deleted XXXX late from XX/XX/2023 and its now reflected under XXXX XXXX  180 day late.Again, I was in good standing prior to my approved forbearance, moving the delinquency from XXXX XXXX XXXX is proof to me of the unwillingness to accept the XXXX point credit points drop reflected on my credit reports. I have called XXXX as recent as this afternoon requesting a supervisor, advised I would receive a call back from XXXX XXXX as of this complaint I am still waiting. Thank you. 

XXXX is under the umbrella of XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$4700.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$33000.00} XXXX  - XXXX - XX/XX/XXXX - {$5000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2600.00}
Product: Debt collection

I have sent a tota l of 4 req uest for verification letters to  Revenue Assurance o r Consolidated Recovery Systems. After filing a CFPB complaint a few weeks ago I finally received a response back from the agency explaining that they were sending mail to   XXXX   XXXX     instead of  XXXX , although my correct address was typed on all  four le tters and written on every envelope. Furthermore, I called to give the correct address and requested that they print out the documentation on Wednesday and I would pick it up. However, I was unable to pick it up and they mailed it to me and I received it yesterday,  XXXX / XXXX / XXXX . The " verification '' is  a one s heet document outlining services and fees incurred with  XXXX   XXXX , a name that I have not used since  XXXX  before I was married and my previous address. However, it did not include any other identifying information. I attached documentation that I received from Revenue Assurance or Consolidated Recovery Systems verifying that the documentation I received does not meet the requirements to validate the accused debt. This debt has been removed from all other credit reporting agencies because the debt could not be validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was given permission to run my credit ( in-house ) for the purpose of providing an auto loan ( XX/XX/19 ). 
XXXX ran my credit again ( and without my knowledge or permission ) nearly 14 days ( XX/XX/19 ) after the terms of the loan were established.
Product: Credit reporting or other personal consumer reports

Someone tried to use my personal information to file taxes for the year of XXXX. I had to bank accounts closed because someone used my personal information to overdraw my accounts. XXXX at Bank of America for {$1100.00} dollars. XXXX XXXX account was closed because my information was used by someone from an foreign country account was closed. Someone used my personal information from my XXXX XXXX  account for {$1800.00}. The bank closed that account but allowed me an opportunity to open a different account. But I owe them {$1800.00}.
Product: Debt collection

My name is XXXX on XX/XX/XXXX I had my credit report ran and saw a judgement against me on XX/XX/XXXX. When I contacted Calvary XXXX ( the agency that filed the judgement ) and gave them the account numbe I was told that this account belongs to someone named XXXX XXXX and that they can not discuss the matter with me. I tried going through their escalation process to have this judgement removed but with no success. My attorney XXXX XXXX XXXX XXXX XXXX even sent them a letter on XXXX XXXX, 2015 and neither he nor I have received a response and the judgement is still sitting on my credit report, and they will not discuss the matter with me or him.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

My credit report shows multiple accounts I did not consent to. I believe these are fraudulent, and I request their immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 I tried to make a dispute with Equifax and it keeps saying to call and confirm identity basically. I called yesterday and did that it has been 24 hours and still can not make a dispute and its preventing me from correcting my credit report. Been trying for over 2 weeks to access this and I get same message even after calling in and successfully giving my identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute DEPT OF EDUCATION/NELNETDispute DEPT OF EDUCATION/NELNETDispute DEPT OF EDUCATION/NELNETDispute DEPT OF EDUCATION/NELNETDispute XXXX XXXX XXXXDispute
Product: Mortgage

On XX/XX/XXXX, my mortgage was transferred to another company. I had been trying to get my issue resolved with prior lender but instead was transferred and had to start over again. On XX/XX/XXXX I tried explaining to my new lender about my issue. The issue I have is that my loan amount increased drastically. The change was caused by annually property taxes at over {$9000.00}. Making my loan payment drastically high. With that price I should own a luxurious home with a pool. I did not here anything back so I reached back out on XX/XX/XXXX and resubmitted my property tax information for a third ttime. The document clearly shows that I have an exemption of {$5600.00}. Somehow they just completely ignored my exemption. Because of this exemption it should have dropped the value of property taxes, because I don't have to pay that amount with my exemption. The documents I have turned in came from the XXXX XXXX treasure and it states an XXXX exemption of {$5600.00}. Now I received a letter back stating that I was given a partial homestead and the amount remains over {$9000.00} and my loan will not be dropped. Now this amount is ridiculous. I would have never bought the property at such payments, because I cant afford it. I cant even buy groceries or house supplies my necessities. This payment is making my life miserable. Im afraid that soon will not be able to make the payments where it will lead to delinquency. I am asking for the help in making the mortgage lender count my exemption and quit making things up. Not only did they raise my loan amount drastically, but they took what I had in escrow leaving me at XXXX. XXXX fin this very unfair. I am a retired veteran where I just wanted to feel accomplished and content and enjoy the rest of my life relaxing. Instead I need to constantly check my funds and what it Id I need to cut or discontinue in order to make my monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I paid off a derogatory account through XXXX XXXX XXXX XXXX {$140.00} - I received notification from Transunion that my credit score decreased by 103 points - and this particular derogatory account was not even reported to Transunion, on reporting to XXXX and XXXX. Both of these accounts received the same alert and it impacted them in a positive way causing my credit score to increase. 

I called TransUnion and was told it was nothing they can do. 

This really frustrates me as I am trying to pay off derogatory accounts but I dont want to pay if Transunion is going to count this against my credit score. 

Please help me with this matter. 

Thank You
Product: Credit reporting or other personal consumer reports

I received a letter in the mail from Equifax and XXXX stating that my information was breached. I have reportedly asked them and told them that the information was not correct on my credit report. I know my sanctions and I know my codes and this is not justifiable now that I know that my information was leaked and my information was stolen. I want these items removed off of my credit report that does not belong on my credit report. Ive been fighting this for years and now I have letters from both XXXX and Equifax stating That they can offer me free credit monitoring when Ive already told them several times that the information was inaccurate on my credit report so I want those items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XXXX to update this suspicious information. I think you have not validated these accounts in accordance with 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 human trafficking debt bondage, which is categorised under trafficking as per Trafficking-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 or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( 15 USC 1681 ) and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160, 162, and 164 ). 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ( Only reported to XXXX & Equifax ) I have a right to privacy under 15 U.S.C. 1681 Section 604 A Section XXXX of the act, stipulating that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Credit Reporting FCRA Violation Dear Credit Reporting Agent I am writing to formally dispute the reporting of an account that you hold on my credit file, which I believe violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( XXXX ) and the Uniform Commercial Code ( UCC ). The account in question is associated with the account opened on XX/XX/year>, for {$11000.00}. Upon reviewing my credit report, I noticed that the account does not accurately reflect the payment status. Specifically, it fails to indicate that the account was " paid less, '' which misrepresents my payment history and adversely affects my credit score. According to the FCRA, all information reported to credit reporting agencies must be accurate and complete. The failure to report the correct payment status violates federal law.

Additionally, the UCC mandates that all parties involved in a credit transaction must report accurate information regarding the status of accounts. Given these violations, I demand that you rectify this reporting error immediately by updating the account information to reflect the accurate payment status of " paid less. '' Furthermore, I request that you remove this account from my credit files with all credit reporting agencies if you can not provide accurate reporting. Please provide me with written confirmation that you have received this dispute and the actions taken to resolve it
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can & # XXXX ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

4 credit card accounts opened in XXXX under my name. Had been sold to 4 debt collection agency since. The following account are : 1. XXXX XXXX {$2300.00} / Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX {$4300.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) 3. Portfolio Recovery Associates, LLC {$2800.00} / Original Creditor : XXXX XXXX XXXX ( Acct. Last Four # XXXX ) 4. XXXX XXXX XXXX XXXX {$4100.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) My personal data was stolen and I am now being sued. These are not my accounts and I have called the credit bureau but have done nothing but put my account in fraud alert in XX/XX/XXXX. I can provide my credit information to prove my character as I have paid everything on time in the past. These account were all opened at the same time. I have called the creditors and they have not done anything to help me resolve these issues. No receipts or records were provided. When these occurred, I have just graduated school and could not afford the settlement they were asking and these were fraudulent. I am now being harrased by these debt collectors after years of not hearing about it. I've done all in my power to dispute these charges and I need help. I have filed a police report. Thank you!
Product: Debt collection

a XXXX account was turned over to midland funding llc i called midland funding numerous times requesting a settlement amount they never returned my calls instead they turned it over to collections attroneys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mn XXXX file # XXXX for XXXX
Product: Credit card

I called earlier today on XX/XX/XXXX, about my credit card XXXX that was opened in XXXX I never recieved a card then and only noticed this account was opened when I received a bill to pay I tried to call then. I was referred by the online chat to call the customer service line. I called the customer service line and the call was picked up and told they could not help me and to call back in 1-2 hours. I told the online customer service support this and they told me that I should call back again. Ultimately, I asked to speak to someone who could better assist me and was referred back to the number that is not working. 

At the end, I was defeated after having paid a previous fee that I never spent and struggled to close this account for several months.
Product: Student loan

Since I took out a loan from XXXX XXXX with my mother-in-law as a cosigner to pay for my tuition, I had no idea that I was dealing with the worst scammers and abusers ever. When I graduated from XXXX XXXX XXXX in 2020, XXXX XXXX XXXX  in XXXX XXXX, Oregon, advised me to settle the balance once I am no longer enrolled by paying a {$4000.00} fee. I informed them that I will begin working on it because I am in school. I was occupied with work and school because I had already started graduate school. I eventually invested my assets in fraud and lost them, and I was unable to get them back. Police, the FBI, and the bank all tried to assist me, but the effort was in vain. 
All of these credits suddenly demanded payment for their outstanding balances at once, forcing me to start over. I instructed them to wait. I had to stop going to school for a while so that I could work harder to pay the costs. Before I knew it, XXXX XXXX had teamed up with FirstMark Bank IncXXXX to pay off their debt. They never communicated with me and attacked the credit rating of my mother-in-law. She contacts me on a Saturday, and I immediately rush to the XXXX XXXX XXXX  on XXXX XXXX XXXX in Oregon to make a {$1700.00} payment. 
XXXX Bank reduced my credit score from XXXX to XXXX over the course of two weeks while refusing to amend my mother-in-law 's credit report. Even worse, XXXX XXXX  stalked me at work, at home, and everywhere else to get access to my social security account, XXXX account, net benefit, and bank information. Even at work, I filed a report about it with the union. They wouldn't raise either my credit score or that of my mother-in-law, which caused a split between us because of the decline in her credit score. 
Even today, XXXX XXXX XXXX  continues to stalk, harass, and intimidate me using other people. They intimidated me and harassed me by using my old attorney XXXX XXXX, XXXX XXXX ' attorney, as well as by physically pursuing me, defiling me, and faking an arrest for a default.
Product: Debt collection

This company has been calling my phone non stop asking for someone I do not know and refuses to identify themeselves and the name of the company they are calling from.
Product: Credit reporting or other personal consumer reports

I disputed the XXXXXXXX XXXX XXXXXXXX account after receiving a copy of my credit report, and noticing there is an unauthorized account made by the XXXXXXXX XXXX. To my knowledge, I have not signed any documents authorizing the company in question and The listed inquiry was without authorization. There was also a breach of social security numbers that occured that this account could have stemmed from. As such, it is a very serious error in reporting. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I disputed this information with all three credit bureaus and they continued to be reported. I had to file a report with the FTC, showing I was a victim of data breach and identity theft to help resolve the matter. Please remove account
Product: Credit card

I never agreed to " Debt Protection Fees '' with Best Buy or Citi Bank when signing up for a credit card in 2007 to purchase a TV. Over the course of 9 years they have charged me with {$540.00} of fees associated with this fraudulent " debt protection fee '' or service. It 's basically the entire balance on my credit card billing statement. I have requested a full refund twice, and nothing has happened. 

Please help!