23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I contacted XXXX after my husband 's suicide to try to get account information to pay the mortgage, they were unable to give me the information because I did not have the information needed to file for successor of interest. I filed for XXXX XXXX XXXX to grant me the rights to our home on XX/XX/XXXX. The XXXXXXXX XXXX XXXXXXXX was granted on XX/XX/XXXX. On XX/XX/XXXX I picked up the paperwork. I contacted XXXX filed for successor of interest on XX/XX/XXXX. They did not reach out to me to notify me that it had been filed so we could move on with the next steps, i.e. : getting the account information and loan number to start making payments. On XX/XX/XXXX after 10 days of silence from XXXX I called them and they finally notified me that they had sold the mortgage of the property to Rocket Mortgage. That same day, XX/XX/XXXX, I reached out to Rocket Mortgage and started the process to become successor of interest of the property, I emailed and submitted the appropriate documents on XX/XX/XXXX. I then hear nothing from Rocket Mortgage until I reached out again today XX/XX/XXXX. On XX/XX/XXXX they notified me that they filed the XXXX XXXX XXXXXXXX on their side along with a foreclosure on the property scheduled for XX/XX/XXXX. They are now demanding over {$16000.00} to catch up the mortgage to stop the foreclosure but still have not provided any account information or loan number and stated they would not be able to get that information to be until XX/XX/XXXX at the earliest.
Product: Credit reporting or other personal consumer reports

XXXX that case transunion still hasn't fixed my credit while the other 2 had my credit fixed in a week and transunion is the one whos keeping me from getting a XXXX credit card. i need them to expedite my reconciliation i do not understand how 2 credit reporting agencies can sort it out in a week and transuninon needs 90 days? please help get them to rectify this thank you.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8
Product: Credit reporting

I have all these hard credit inquiries on my credit report which I did not approve. How can I get these removed? they all happened on XXXX XXXX, XXXX please help me remove these from my report? 

XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 and XX/XX/2022, applications for credit cards were put in under my name and social security number for comentiy bank/sony visa XXXX and the application was denied.
Product: Debt collection

under the Fair Credit Reporting Act ( FCRA ). According to Section 609 of the FCRA, I am entitled to request the information related to entries on my credit report. 

I am requesting the following information regarding the specified items : Please include copies of any contracts bearing my signature that verify my agreement with this debt collector. 

A bill of sale is not a purchase agreement. 

Purchase agreement with this debt collector
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX Numerous Inquiries XXXXXXXX XXXX XXXX Numerous Inquiries Equifax Credit Bureau Numerous Inquiries Had a lot of data breach letters in the mail in the last year statinbg my information was compromised from health insurance to medical drs. 

Multiple attempts to pull my credit from the same place have been noticed on my report and all ingquiries should be removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following items were added to my credit file without my authorization : Accounts to Be Blocked and Deleted : XXXX. XXXX  XXXX Bankruptcy Case Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX  XXXX Bankruptcy Case Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$850.00} XXXX. XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$730.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am extremely frustrated to see an unauthorized inquiry on my credit report this morning, and I demand that this issue be resolved immediately. I checked my report as usual, but unexpected discrepancies appeared. Even after refreshing my browser, the issue remained. Please thoroughly review the documents Ive submitted so I can stop worrying about this.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ipromptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Have not received a hard statement in over a year. 
Make us go into branch for printed statement. 
Numerous complaints with bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Checking or savings account

On XX/XX/2023 my Chime checking account, savings, and credit builder was closed which is owned by XXXX and given no reason. I have had this account for over XXXX XXXX and have never had an issue. I immediately called customer service and was told they closed the account because I violated company terms. I had over {$850.00} in this account and this put me in a great financial emergency due to this. I was told I would have to wait at least XXXX XXXX to receive my money. I had XXXX pending direct deposits and several bills which were scheduled to be paid for this account.
Product: Credit reporting or other personal consumer reports

There are accounts as old as 2011. 15 US Code 1666b. 15 US Code 1692c. 15 US Code 1601. I never gave permission. The companies XXXX, XXXX, and Experian have put numerous soft pulls when using their service.
Product: Credit reporting or other personal consumer reports

was looking at my credit report and noticed that there are hard inquiries that are not mine on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I did NOT give permission for a hard inquiry on my report.
Product: Mortgage

XXXX XXXX, self purporting to represent Bank of America, is actually boldface asking the bankruptcy court for 2nd extension of time to respond to my complaint of wrongful foreclosure by XXXX XXXX XXXX, a self purporting trustee on a XXXX deed of trust, that filed non judicial action against me, not against the bankruptcy trustee or against the trust estate, telling the court that hes is engaged in private dealings with the local US Trustee contractor XXXX XXXX, behind my back, so he doesnt have to engage in dispositive briefing regarding BOA time-bared non judicial action under AS XXXX, which also violates RESPA 6a mandatory direct mitigation efforts with the homeowner before any foreclosure action, and also violatioing AK statute XXXX which clearly prohibits the non-judicial process from parties that have already litigated the mortgage before in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX  11 POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$610.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary 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 Account charged off. {$610.00} written off. {$520.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$520.00} Highest balance $ XXXX  Monthly payment - Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Mortgage

I had a home equity line of credit with Suntrust bank with XXXX  balance but because there was a lien on the property my home insurance claims adjuster made the check out to me my wife and Suntrust bank. I discussed with the claims adjuster what if we closed the HELOC as there is no money owed on it and showed no mortgagee clause on my home owners insurance policy can he issue the check just in our names and the answer was yes. Upon our arrival at the bank I was told by XXXX XXXX as the amount was in access of {$15000.00} the check will have to be mailed out to their office in XXXX to be endorsed When I asked them to close the equity line another person at the bank XXXX XXXX said it will take 30 days or so to get the lien released and delay the process but they can send the check to XXXX and I will have it back in 2 to 3 days, this was on XX/XX/XXXX. I waited for the check till the XX/XX/XXXX no check so went back to the bank and spoke with XXXX XXXX and cancelled the equity line, and removed the mortgagee clause from the insurance policy and requested the claims adjuster to re- issue a check just in our name, as he was working on issuing a new check it came to his attention that the original check was already cashed by the bank, how could they cash a check made out to us and them without our endorsement, this happened on XX/XX/XXXX so went back to the bank and spoke with the manager XXXX XXXX hoping to get a check from them to no avail I am still waiting to hear back from them, they in my view they have committed a fraud by cashing this check. 
take
Product: Mortgage

Immediate Action Needed : Unauthorized Refinance Application & Credit Pulls : Writing today regarding Loan Number XXXX serviced by Mr. Cooper/Nationstar. On XX/XX/2022 Agent XXXX XXXX ( XXXX ID XXXX ) initiated an unauthorized refinance application for this loan and conducted credit pulls that were neither requested nor authorized for my wife and I. 

I have emailed and left voicemails for XXXX, as well as the supervisor identified on his voicemail XXXX XXXX, with multiple requests to confirm this unauthorized refinance application was cancelled, as well as the credit pulls reported and reversed with the Credit Bureaus. A full week has passed since the unauthorized application and credit pulls were conducted by XXXX and neither he nor anyone from the Mr. Cooper/Nationstar Team has provided any responses to show action on this. 

In addition to the messages with XXXX and XXXX, I spoke with the Executive Resolutions Team on XX/XX/XXXX who assured me I would receive a response from XXXX or XXXX. XXXX business days have passed and once again there have been no responses. 

I am requesting immediate assistance from the proper management positions and fraud resolution team as I have received no response on this matter- all based on a refinance application that was neither requested, authorized, nor consented to. 

XXXX XXXX
Product: Debt collection

I have reached out to this company multiple times asking to prove that this is my debt. i haven't received any responses. I have never opened any accounts with this company.
Product: Mortgage

My lender BofA put a force placed insurance policy on my house at XXXX times the market cost of the actual policy. During that time all my payments were made electronically each month and I was never late prior to them adding about {$1500.00} per month to my bill to cover their profits from insurance company they owned. Furthermore they kept my payments in a suspense account and eventually returned via cashiers check instead of applying funds to XXXX missed payment. Following that time they tried to entice me to move by offering me {$.00} then a deed in lieu ( which I never applied for but was turned down ) and finally the year long modification process. During that time I met with a real person at BofA who told me if I hired an attorney I would NOT get a modification and that I should NOT replace lender placed insurance until after the modification ... even though it would save over {$700.00} per month. Although I know I qualified for DOJ mod, I was continually denied. Furthermore by not applying funds to XXXX and XXXX missed payments i believe they violated fair credit reporting. I am currently facing foreclosure for an escrow shortage because of force placed insurance!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX, I went to my credit bureau to request a home improvement loan. I was denied because they told me I had an unpaid debt to a hospital for over {$6000.00}. I was shocked and asked who to contact and how to take care of this. I spoke to a credit reporting agency which gave me the information to call to straighten this out. I pay my bills and have never had an unpaid bill. I spoke with someone at Designed Receivable Solutions and was told that the original debt was incurred in XXXX of XXXX to a hospital in XXXX XXXX, CA. I was indeed hospitalized at that time and prodded for more information. Apparently, the hospital turned over my information in XXXX of XXXX and it was incurring interest ever since. I had no idea this bill existed. I never received a bill. Designed Receivables admitted that they had several bills returned to them and that they didn't have a working phone number for me. They had used 2 addresses in California where I have never lived. They had one phone number that I haven't used in many years and another phone number ( in California that I had never heard of ). I admitted that I had been hospitalized in that hospital but I had paid bills and didn't have anything outstanding. The women I spoke to were very rude and accused me of lying and trying to get out of a debt that I knew I had. I told them, I would pay the principal, but I was not going to pay interest on a bill that I did not know existed. They refused to work with me. I disputed the charge stating fraud and my credit card removed the charge. I spoke with a supervisor who was very upset with me. Again, I was accused of lying and trying to get out of a debt. That is not my character. I am refusing to pay interest on a debt that I did not know existed and they admit that they could never get ahold of me. I told them that it wouldn't be very hard ( especially, with their systems ) and that I have lived in the same area for 26 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have an auto loan with XXXX from 2019 to present. This is showing on my credit report and hurting my credit score. It needs to be removed. And find out who did this.
Product: Credit card

Supervisor XXXX on XXXX XX/XX/year> Hung up and refused to provide confirmation of dispute being re opened I am requesting confirmation Your dispute dept are hangin up and I have records of the phone calls Therefore your company making it impossible to check the statuss, open a dispute cause online didnt work Anything related to dispute items Your company not allowing and its against the law. 
Its an ongoing issue from Citibank
Product: Credit reporting or other personal consumer reports

Per the FCRA, 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under specific circumstances, such as with the consumers written authorization or for permissible purposes outlined in the statute. Since I did not authorize these inquiries, they are considered unauthorized and must be removed from my credit report immediately.

Equifax seems to refuse to remove some inquiries I've told them that I did not authorize. I've already frozen my credit, but I need these unauthorized inquires removed as soon as possible.

Equifax claims it is their policy to retain all inquiries for two years. They claim the Inquiries are also for me the consumer 's benefit, as a right to know what firms have accessed your credit file.

Well I'm telling Equifax that I didn't request the inquiries and therefore it SHOULD NOT remain on my credit reports for XXXX years. This is not RIGHT. I demand they fix this now. 

Please see the same attachment that I originally sent on XXXX with all the incorrect inquires. 

If not removed, I will go forward with legal proceedings, as Equifax is now violating my privacy rights, and the right to have the correct information reported to my credit.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I am formally disputing inaccurate information on my credit report in accordance with 15 U.S.C. 1681i. I did not authorize the reporting or release of my personal information to the companys listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name.

Furthermore there are unauthorized inquiries on my credit report that I did not initiate. Which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8. I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report.

Please address this matter promptly and confirm the removal of the disputed entries.
Product: Credit card

I am writing to your agency because I am very upset the way my bank handled my dispute, they did n't even consider investigatin g. Citi Bank to ld me I had 60 days only and I have been told I can dispute under claims and defenses and I have 538 days. It seems like my bank is taking the merchant 's side and It is not even giving me the chance and did not even consider to open an investigation. The merchant  XXXX   XXXX   XXXX  charged me {$5000.00} on  XXXX / XXXX /  XXXX   and they contacted me by phone and told me their services were necessary for my online business make money, and it would bring traffic to my website. They promised me a banner, an ad placement, vip placement, 3 month ad placement, they would promote rcspromotions website. I never got any results. I am trying to dispute with my bank since I did not get any services rendered and the company ignored my requests of refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in which Im referring to that has the incorrect information is an old account insurance account. The vehicle in which this account was a month to month agreement. The vehicle was involved in an attempted XXXX XXXX XXXX which resulted into a XXXX  totaling the vehicle & XXXX  myself. When I called the insurance company I was informed that I wasnt covered anymore by the policy. Also I received a letter in the mail stating this same message. Also when I spoke to the insurance company they told me theyd reach out to the police & creditor to validate what happen so they could take care of the matter but over time Ive seen that nothing has happened.