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

Consumer Name : XXXX XXXX Consumer DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of list accounts a personal loan or loans, a credit card or credit cards, and any other accounts from .These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report.. XXXX XXXX XXXX  I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

My mortgage was transferred to Carrington Mortgage Servicers, LLC from XXXX XXXX XXXX. My mortgage had a final foreclosure judgement already and I had been trying to obtain an affordable FHA modification through XXXX XXXX XXXX. When Carrington Mortgage Servicers, LLC took over, I had to start the modification process all over again. I sent in all requested documentation the required. I am the only one on the mortgage note with my wife, XXXX XXXX being on the title. Carrington Mortgage Servicers, LLC refused to even process my FHA -HAMP modification paperwork until my wife sent in all of her information. They are trying to force my wife to be a co-borrower for any future modifications that might, not guaranteed, be granted. My wife has no income unless you count Food Stamps of {$130.00} a month. She is unable to work due to medical conditions. There is no reason why she needs to be on the mortgage when she wasn't on it in the first place. Also, the are stating that her food stamp is actually {$160.00} a month before taxes are removed. From what I can see, Food Stamps are not taxable and this is not a legitimate claim from Carrington Mortgage Servicers, LLC.

On current statements from Carrington Mortgage Servicers, LLC, there are " misc. '' charges under the escrow account as well as multiple property inspection charges, title fees, Automated Valuation Model Fee, Foreclosure Appraisal fee, and a fee for " single item ''. According to HAMP rules and regulations, they are not permitted to continually charge my mortgage account for illegitimate fees or " Bogus '' fees.

My wife is being bullied into signing a modification with Carrington Mortgage Servicers, LLC when she is not part of the original mortgage note and no income that would make her beneficial to a modification of the original mortgage note. My wife and I feel bullied, pushed, and forced into the modification Trial Payments that they know do not follow the HAMP Regulations.

I also believe that another reason that Carrington Mortgage Servicers LLC is requiring my wife as a Co-Borrower is so that they will have the right to damage her credit as much as they have mine. As well as, have another person to hold liable for the mortgage note.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit reporting agency has Payment deferred in the coments of my credit report for my XXXX  mortgage. I have provided a letter from XXXX bank so that the remark can be removed. I am current and no enrolled in any deferment program
Product: Credit reporting, credit repair services, or other personal consumer reports

I had some " pay in four plans '' with Affirm. They were " charged off '' and they sent correspondence that the balance may be forwarded to a collection agency. I have set-up a payment to address the balance and did understand that the items may be reported as " collections '' per their letters and correspondence with me. I saw that on my XXXX Credit Report- they have now listed these accounts as " Personal Loans '' and have noted that they are 30, 60 days late etc. causing a significant drop in my credit score. They are misleading consumers with how this data will be reported and marketing these accounts as personal loans to the credit agency and not to the consumer. They also only added these accounts after they became delinquent and did not report any of the positive credit history of payments made on time- only the negative information is being reported to the credit bureaus. I also had several other accounts that were similar by this same company that were paid in full and not reported to the credit bureaus at all and are paid in full. I believe that they are acting in a predatory manner by improperly notifying consumers that these accounts will be listed as personal loans and marked delinquent vs. collection items and they are only putting them on the credit reports in a punitive way and not reporting anything positive with the accounts. I would like these items removed from my credit report.
Product: Debt collection

TIME SENSITIVE : XXXX XXXX XXXX, XXXX, directly or indirectly initiated a legal proceeding action and obtained a court order to SELL MY PROPERTY in XX/XX/XXXX. Attached is the Sheriffs Notice of Seizure and Sale. 
XXXX has no legal standing in court. There is no ( never was a ) contract between FIRST GUARANTY MORTGAGE CORPORATION and XXXX XXXX XXXX. 
XXXX is claiming that XXXX XXXX XXXX owes them about $ 100K for a loan they allegedly loaned in XX/XX/XXXX. This is false. XXXX did not loaned any money/credit to XXXX XXXX XXXX ( the true creditor as per 15 USC 1692 ( A ) ( 4 ) ). Attached is a copy of the accepted and filed CORRECTED form 1099-A in which the IRS accounting department have properly accounted for the transfer of {$100000.00} funds from a government-created XXXX XXXX XXXX Account XXXX XXXX XXXX to their account without my authorization and knowledge.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously disputed item from XXXX XXXX XXXX which has been deleted from XXXX, experion and XXXX reappeared on my credit report. No notification is yet to be provided to me. No communication from the collection agency. They did not send any letter, so I do n't even have an account number so I can talk to them.
Product: Debt collection

In Complaint ID XXXX that I submitted, I requested XXXX to provide oirginal SIGNED contract documents with XXXX XXXX XXXXXXXX XXXX the breakdowns of how this alleged balance come along, and proof with detail explaination of why my payments were stopped. I would also like to get a copy of proof that prove XXXX has ownership/rights to service this alledged XXXX from XXXX  XXXX XXXX. 

XXXX responded that they would have to request those information from XXXX XXXXXXXX XXXX. XXXX claimed they have this alledged balance since XXXX of 2024. I expect this company should already have these information readily available. I would like CFPB to investigate if this company indeed has any rights to serve this alledged balance or better yet report on my credit. It seems they do not have the paperwork to prove that this is a ligitimate. I request that XXXX needs to remove the my credit reporting immediately. A formal dispute has also been delivered to their mailbox. It was delivered XX/XX/year>. XXXX XXXX : XXXX. On a recorded call, XXXX also aknowledged they have receieved the dispute.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/2022 to Experian. Here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?
Product: Debt collection

I received a letter in the mail from " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX, MA XXXX stating I owed {$150.00} to a creditor " PNC Bank ''. I checked my credit bureau and do not owe money to anyone and do not do business with the creditor listed above. The letter seemed shady. Very little information given but listed a self-service website, call center number and play to mail the stub and check. Phone number listed : XXXX and Mail address : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, MA XXXX This is clearly a scam.
Product: Debt collection

I write to express my profound dissatisfaction with the inadequate validation of certain items on my credit report. Upon meticulous review, it is evident that the provided information is insufficient to validate the associated debts. The following accounts are particularly troubling, as the details provided fall short of the necessary standards for proper validation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It is noteworthy that the other two credit bureaus have already removed these accounts from their records after acknowledging an error. I find it perplexing that you claim to have verified this information while the others have promptly corrected their records. Your non-compliance with these rectifications is not only baffling but raises concerns about your adherence to the law. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported. Please see this account is removed from my file at once. If you continue to report this information without truly verifying the information I will be seeking a legal remedy. Ive already discussed this matter with my attorney & he will draw up the federal case within 30 days of this letter if its not removed. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

XXXX XXXX XXXX I continue to dispute off my credit because I never received the box to even start table but they still charged me for something I never received never got to watch XXXX XXXX this happened last year I've been trying to dispute since they were not removed from my credit and it's big time impacting me I've been disputing for a whole year now and still nothing there's been sending me bills I even emailed them disputing it and nothing is done they continuously told me that it's mine and I have no choice but to pay them for something that I never got to even enjoy it's off one of my credit statements but not the other and that's really affecting me because it's a big mark and on top of that my name is not how you spell right
Product: Mortgage

In XX/XX/2019, we noticed that we were not able to access our HELOC account at US Bank, even though we could access our primary mortgage. Furthermore, while we received a paper mortgage statement for my primary mortgage, we never received a paper statement for the HELOC. This was a change when we refinanced 36 months ago, where we used to getting paper statements for both, as well as have on-line access to both accounts. This is important because, after refinancing, our HELOC payment changed due dates, from the first of the month ( like our mortgage ) to the XXXX of each month. This caused us to be habitually late on the HELOC mortgage, even  though we never knew we were late. The late fees were covered by us paying more than the minimum amount every month ( again, we had no idea this was even going on so didn't know we had late fees or that they were covered by overpaying ). We only identified the issue because we inquired about our adjustable rate on the HELOC, and as we spoke on the phone with customer service, they discovered we didn't have access to the HELOC account. Once they gave us access, we noticed all the late fees and that US Bank had also shut down the HELOC so we could not access the monies, which is why we set this up initially. When we asked for them to reconsider and review, we were told by the branch in XXXX, IN that they could not do anything, and that it was the responsibility of the borrower to ask for the statement if they weren't coming. We double checked with US Bank customer service and they confirmed that we were supposed to receive a paper bill, but we still are not getting them. This has not only created over a dozen late fee charges, but also affected our credit report negatively. Isn't it against the law to not send paper invoices ( when requested, up front ) and charge late fees without notification?
Product: Mortgage

I have tried to remedy this situation with Shellpoint on four occasions, and each time my request is denied, and Ive been told that the reason my payment was applied to principal is because my account was in default. This is not true because my account has been on automatic payments for more than ten years and the account has not had a late payment in more than ten years.

I have two complaints : 1. I mailed a principal payment only U.S. Post Office money order for {$1000.00} on XX/XX/year>, which XXXX XXXX XXXX '' cashed on XX/XX/year>, but they did not allocate the entire {$1000.00} to principal payment only as directed by the slip that I submitted with the payment. Initially, they allocated it to the monthly payment, with the remainder as a partial payment for the following month. I called the bank several times to resolve the issue, but they refuse to allocate the entire amount to principal, and would only allocate {$550.00} to principal. Presumably, XXXX XXXX, manager at Shellpoint, on XX/XX/year>, said they can not allocate all of the money to principal payment only because my account was in arrears, which is false since I'm on auto payments, and my account has been current for more than 10 years. I have opened three case numbers with Shellpoint, and all have resulted in denials. 

XXXX. I'm charged daily simple interest for this loan, and although " XXXX XXXX '' cashed the payment on XX/XX/year>, Shellpoint did not record the " transaction '' until XX/XX/year>. Accordingly, Shellpoint continued to charge me daily simple interest for 14 days from XX/XX/year> to XX/XX/year>. This is fraudulent. See attached Accordingly, I want my Shellpoint mortgage payment history to show that my {$1000.00} principal payment was applied completely to principal on XX/XX/year> and I want the Shellpoint mortgage payment history to show that my outstanding principal balance has been reduced by {$1000.00} ( not {$550.00} ) on XX/XX/year>.
Product: Mortgage

Dealing with Loan depot has been a total Nightmare. It seems almost everyone in the tax department does not understand how to do their job effectively. 

Im paying over {$8000.00} a year in escrow property taxes and pmi. My county assessment for XXXX  is {$5200.00} & pmi of $ XXXXand loan depot is charging me XXXX for property taxes, but loan loan depot is billing me {$660.00} per month that equates over XXXX XXXX  annually. 

I called over five times and the issue is not resolved nor nobody has information collected from my previous calls. 

DO NOT USE LOAN DEPOT
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit "
Product: Debt collection

Multiple calls in under a minute this is t a phone issue as it has been consistently going on for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did and investigation on my credit report which caused me severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct under 14 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that Under 15 U.S Code1681i ( 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- promptly 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 investigation and promptly notify the information that the information has been modified or deleted from the file of the consumer. If y are unable to provide me a copy of the verifiable information within 15 days after your investigation you must remove the accounts and the information listed below and they have not gotten back to me or removed the accounts
Product: Mortgage

I applied for a home equity line of credit application with my bank, Citibank in XXXX XXXX and was initially offered a conditional HELOC of {$450000.00} ( in writing ). I was continually denied credit and after working with multiple higher levels within the organization and months of providing all data requested, on XXXX XXXX, they declined to offer me even as much as {$1.00} credit and I decided to file this complaint. 

With .... 
-Over 24 years of continuous banking relationship with Citibank -Status as a Citgold client ( their premium customer level ) -Over $ 100XXXX in deposits in my Citibank accounts consistently since XXXX ( including right now ) -Two previous home equity lines of credit with Citibank -A credit score of XXXX, the highest the loan officer had personally ever seen -Over $ 1XXXX in home equity in my XXXX homes -Over 80 % value equity in the home Citi would be issuing the line of credit against XXXX jobs from XXXX and my own consulting business -Already XXXX scheduled classes at XXXX XXXX XXXX ( at top XXXX public University in the world ) confirmed -A pending job as a XXXX XXXX XXXX as per the XXXX of the University with an anticipated annual salary of {$90000.00} -Over {$30000.00} annually in rental income profit ( $ XXXX gross ) from my XXXX XXXX XXXX car garage home that has a signed annual lease that Citi has a copy of at their request ( that has a loan/value ration of XXXX ) -A {$120000.00} annual consulting contract with my largest client that Citi has a copy of at their request -A statement from my XXXX CPA stating my anticipated income for XXXX to be at or over $ 120XXXX that Citi has a copy of at their request -Copies of my personal and company tax returns for the past 4 years that Citi has a copy of at their request. 
XXXX prior conditional approvals from Citibank for a home equity line of credit of $ XXXX and $ XXXX -My prompt and highly detailed/documented submissions of everything Citibank has asked for since starting this home equity line of credit application in XXXX, XXXX ( 5 months ago ) ... yet, I was still denied a Home Equity line of credit approval. 

The idea that my bank of over 24 years wo n't lend me even {$1.00} with this stellar and almost model loan applicant status is shocking, so I am asking the CFPB to intervene in the process with Citibank to review and overcome any approval issue. 

Thank you so much for your assistance.