23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

About 2 years ago I became XXXX. In XX/XX/XXXX I had to have a XXXX. My wife struggled to keep up with the mortgage and did so until XXXX 2014 when we started to fall behind. By XXXX we were about {$4000.00} behind and foreclosure was started on XXXX. I was awarded XXXX in XXXX and received back pay in XXXX. When we contacted Seterus we were told that it would cost us over {$11000.00} to stop foreclosure and make everything fine. After speaking to a few attorneys we agreed to pay them. They told us that the {$11000.00} would make us current including XXXX mortgage and would cover all legal fees. We then paid XXXX mortgage early. On XXXX we received another notice stating that we owe another {$3800.00} due XX/XX/XXXX. We probably will not be able to make that payment since Seterus took the majority of the back pay I received from XXXX. I believe these piranha will continue to extort money from us until they succeed in taking our home! PLEASE HELP!!!!!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Department of Education has failed to place the correct loan status of forbearance on my credit reports with Equifax, XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX  has failed to furnish all Promissory Notes and Master Promissory Notes and all Payoffs received on all loans be serviced by XXXXXXXX XXXX XXXXXXXX Department of Education.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I hope this email finds you, though I must express my frustration and disappointment with the lack of response to my credit disputes submitted in XX/XX/2023. Despite the statutory 30-day timeframe for resolution having long passed, I have not received any correspondence addressing my concerns, and prolonged my new residency in order to dismiss any delays of receiving my mail. 

My disputes pertain to inaccurate information present on all three of my credit reports, namely from XXXX, Experian, and XXXX. Despite my attempts to seek assistance through phone calls, my complaints have not been heard, and I find myself in a distressing situation with no resolution in sight. 

In light of the continued disregard for my concerns, I have taken the step of resending the same dispute letters that were initially submitted. This persistent inaction to these credit bureaus is unacceptable and has compelled me to escalate the matter by filing a complaint through this channel. 

I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been grossly violated due to the prolonged delay in addressing my disputes. The inaccurate information on my credit reports is impacting my financial standing, and I am left with no choice but to seek resolution through this formal complaint. 

As a consequence of the fraudulent encounters I have experienced, I have taken measures to freeze some of my accounts to mitigate any potential further harm. 

I urgently request your immediate attention to this matter and a prompt resolution to the inaccuracies on my credit reports. Failure to address this complaint promptly may lead me to explore additional legal avenues to protect my rights and rectify the damage caused. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} I did identity theft so that all these to be removed from my report due to someone using my identity for all these accounts without my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit reporting or other personal consumer reports

XXXX TransUnion had a data breach in which I was not notified so I don't know the damage to my credit report it has done
Product: Credit reporting

Please note that Transunion did adjust the incorrect issue, however they continue to add phone numbers on my personal information that are not and never have been mine. The following telephone numbers I have asked to be removed and they have not done this. They are in Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. In regards to XXXX they correctly placed me on a 7 year fraud alert, then the following month, placed me on a reduced 90 day fraud alert, why they did this I do not know, but this is incorrect, I should remain on the 7 year fraud alert. I have recieved confirmation from Transunion, and XXXX, I never received any confirmation from XXXX on the status of the 7 year fraud alert.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Debt collection

This complaint stems from a fraud/hacked account case with XXXX. On XX/XX/2019, I received an email written in XXXX from XXXX confirming my request to transfer {$1000.00} from my bank account to my XXXX account. As I did not do this, I immediately contacted XXXX to cite the fraudulent transfer ; the email I was directed to contact for potential fraud cases was XXXX '. After contacting them, I was ensured a case was opened to look into my fraud request. A couple days later I saw {$1000.00} was withdrawn from my bank account. XXXX then refunded the {$1000.00} and froze my account and I thought the episode was over. 

A few weeks later I started getting emails from XXXX requesting I pay {$1000.00} because my XXXX account had a - {$1000.00} balance. When they finally called, I explained that a fraud case had been opened ( I provided the case number ) because {$1000.00} had been taken from my bank account but that it appeared to have been resolved and XXXX said ok. 

About 2 months later, starting in late XX/XX/XXXX/early XX/XX/XXXX, I started getting calls from unlisted numbers. A voicemail was left from someone saying they represented ACI,  American Coradius International LLC, and they were calling to collect an {$1000.00} debt I owed to XXXX. After reading about debt scams, I waited until I received a letter in the mail to confirm this was a legitimate company. I finally received a letter on XX/XX/XXXX asking I pay a debt for XXXX. ACI called again and this time I informed them that I owed no debt and explained the fraud case I had with XXXX. I let them know I was filing a complaint with the FTC and they asked me for all of the proof of my fraud case. As I do not trust this company, I said no and I was giving it all directly to the FTC. 

Ultimately, I am not sure who exactly is at fault between ACI and XXXX, but due to the months of harassment over {$1000.00} I do not owe because my XXXX account was hacked, I am filing a complaint. I have screenshots of all my email correspondence with XXXX as well as my bank statement showing the money withdrawn from my bank account and being refunded. I also have a timeline of events : XX/XX/XXXX - unauthorized transfer request, complaint filed. 
XX/XX/XXXX - case opened, {$1000.00} withdrawn from personal bank account into XXXX account. 
XX/XX/XXXX - XXXX refunds {$1000.00}. 
XXXX XXXX - password to XXXX account changed, account frozen. 
XX/XX/XXXX - negative XXXX balance reported. 
XX/XX/XXXX - negativeXXXX balance reported, call with XXXX to resolve issue. 
XX/XX/XXXX - negative XXXX balance reported. Late XX/XX/XXXX - Calls from ACI started, requesting debt of {$1000.00}. 
XX/XX/XXXX - letter received from ACI requesting {$1000.00}. 
Today - filing complaint. 

As I never authorized any transfer of funds and had an account compromised, I feel my time continues to be wasted by requesting a debt I never owed. I would like the CFPB to inform ACI to stop harassing me about this debt. I am happy to provide any evidence necessary to the CFPB to back up my account or speak on the phone. Thank you.
Product: Checking or savings account

I opened a check-in bank account in Regions bank in XXXX, Alabama. The account was working fine for XXXX weeks, but due to some issue, they closed my account without telling me. I am an international student studying in the US, I ordered something from XXXX from that bank debit card and I returned it back, so XXXX is saying the amount has been refunded but the bank is saying your account is closed, so there is no amount so contact to XXXX. And XXXX is saying contact to the bank they will provide you cheque, just provide the transaction id ; I provided the transaction id also but bank says that their is nothing where we can enter this
Product: Credit reporting

I have a complaint against XXXX Credit reporting agencies XXXX and Equifax I have sent XXXX letters to dispute that I still Owe XXXX on A 6 year old XXXX XXXX account XXXX ) I had insurance on the card and the bank did Not Pay ( see XXXX class actions against XXXX XXXX Bank, I removed my self from all class action suites against Bank ) I owed XXXX from XX/XX/XXXX now 6 years latter they say I owe XXXX have it reporting current late and I am at 138 % of my credit line this is dragging down my credit score. I lost my Job and Wife in XX/XX/XXXX I had insurance on each card the Bank would not cover after I spent XXXX on preiums over 8 years ( XXXX ) cards Its just XXXX card they report like this also it is a card that the bank sent me a XXXX C in XX/XX/XXXX and stated as income not a debt so they take a write off and now place on my credit as being 120 days past due its been 6 years since I payed on this since the insurance was to coverPlease advise XXXX XXXX XXXX XXXX XXXX Fl XXXX
Product: Money transfer, virtual currency, or money service

I recently opened a Venmo account and upon account opening I was promoted to provide my full SSN, birthdate, photo of my driver license, etc. in order to fully verify my account, which I provided promptly. After two days I received an email which stated that my identity had been fully verified and that my account was good to go however Ive been unable to access the money in my balance by either transferring it to my linked debit card or send/receive paymentsboth of which should certainly be available after successfully verifying my identity. I have a {$400.00} balance in my account that has been stuck in there without any ability to access it whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get a loan and when I went to my mortgage person they have pulled my credit and told me there was nothing they could do because my current mortgage was reporting a bunch of late payments throughXX/XX/XXXX -XX/XX/XXXX.  However I have proof that I made all of the payments and I pulled my payment history to show it and it shows every payment being made on time. So I have tried to call OCWEN and each time I get routed to a voicemail and never get anywhere. I am at my wits end and am pleading for someone to get this resolved. My pay history is matching the account number of the credit report that shows me in error so they match up. Please help get this resolved. 

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 has violated my rights. 

XXXX XXXX XXXX section XXXX States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Date : XX/XX/XXXX Agency name : National Recovery Original Lender : XXXX XXXX XXXX Amount ; {$1600.00} I sent multiple letters to the creditor as well as the credit reporting agency on XX/XX/XXXX ( XXXX and XXXX ) requesting VALIDATION of this account first class mail. The reporting agencies did not furnish requested documents supporting this is my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX unknown XXXX ( original credit XXXX  ) unknown XXXX ( original credit 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 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which ante cedes the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to.a consumer to any consumer reporting agency if the person knows or has reasonable cause. to believe that the information is inaccurate.
Product: Mortgage

I have been trying to get an issue with my escrow account resolved for almost 3 weeks with DiTech. I have had THREE different escrow analyses performed all in a span of 14 months : XX/XX/XXXX : paid {$49.00} shortage XX/XX/XXXX : paid {$4100.00} shortage XX/XX/XXXX : asking for another {$5900.00} by XX/XX/XXXX I know that my tax liability did not increase by 46 % between XX/XX/XXXX and XX/XX/XXXX.

I do not know why they are not taking the {$4100.00} payment that I made on the escrow analysis performed on XX/XX/XXXX into account for the analysis performed on XX/XX/XXXX.

If you account for the amount I just paid on the analysis dated XX/XX/XXXX ( {$4100.00} - check cleared my bank on XX/XX/XXXX ) and add the new proposed amount by DiTech on the analysis performed on XX/XX/XXXX ( {$5900.00} ) there is a total of {$10000.00} of a " escrow shortage ''.

There is no way that I should have to pay out {$10000.00} to an escrow account in a 3 month span, so I figured I would call DiTech to get some information.

I called DiTech on XX/XX/XXXX at XXXX CST and had to wait on hold for 50 minutes only to be told by the agent that he isn't sure what is going on but is sending my account to a " researcher '' where I am to call back myself in 10 business days ( XX/XX/XXXX ) to get an answer.

I called DiTech a second time on XX/XX/XXXX at XXXX CST as requested only to sit on hold for another 51 minutes. The agent " XXXX '' finally informed me that she has no information in regards to this matter and that it is still being " researched ''. She took down my email and told me that she will reach out to me by the end of the week with an update, but I have yet to hear from anybody.

I can not get any information from my mortgage company in regards to my mortgage and why my escrow account is calculating incorrectly. DiTech has recently filed for bankruptcy and their customer service is severely lacking in the ability to provide basic information on a mortgage that has been in their care for well over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold a property in XXXX which then closed, funded and recorded on XXXX/XXXX/XXXX. I have wire funds confirmation provided to me by my escrow company confirming this. I recently have received alerts from one of the credit bureaus that I have late payment for XXXX. I have attempted to navigate thru XXXX XXXX XXXX web site and sent multiple e-mails with supporting confirmation documents and no response.I have asked that this be removed from my credit report asap. 

Loan is under XXXX XXXX XXXX XXXX number : XXXX XXXX Account number : XXXX Property address : XXXX XXXX XXXX # XXXX XXXX, CA. XXXX Wire amount : {$300000.00}
Product: Debt collection

I recently began receiving emails from a company called " National Credit Adjuster '' regarding a debt for {$1200.00} owed to them by XXXX XXXX. I have no idea who XXXX XXXX is, nor do I know who this company is. However, I'm getting more & more emails about this debt, each one increasing in severity. The latest email is below : -- -- -- -- -- -- -- -- -- -- -- -- -- -- Date, XXXX, XXXX, 2021 XXXX XXXX, XXXX XXXX XXXX, XXXX Address, XXXXXXXX XXXX XXXX XXXX XXXX City, XXXX XXXX State, NC XXXX XXXX XXXX My name is XXXX XXXX XXXX From National Credit Adjuster, I want to inform you that there is a case file on your name in the amount of {$1200.00}. 



Case file No : XXXX As you are aware, you have a large printing debt of {$1200.00} that remains unpaid. We have given you more than enough time and every chance to resolve this matter outside the courthouse but you are not willing to resolve this matter. We will mark as a flat refusal on your account and take immediate action against you, we have repeatedly advised you of your long overdue balance in the amount of {$1200.00}. Since you have not made payment we have turned your account over to our attorneys and instructed them to commence suit without further delay. However, our company would prefer to give you one last opportunity to make payment and avoid legal action, if you want to settle your account outside the courthouse, you have to pay back the settlement amount within the next 24 hrs. Please contact us at the earliest, if we do not receive your communication or the amount you will have to face the consequences. 



Once again : this is the last chance resolve this matter without any legal proceedings. 





If once your case file gets downloaded inside the courthouse then you must pay {$15000.00} inside the court house including Court fees, Judge Fees, your bail charges, your attorney charges, extra late fees Penalty fees & interest and lots of more. Finally, your name and Social Security Information would be reported to the major credit bureaus of US, it would be affecting your FICO scores and your social security number would be black listed. 



Bankruptcy filings can be listed on your credit report for 10 years. Most other debts can be listed for 7 years. ( M.G.L. c. 93, s. 52 ). 



If your credit is bad, you can work towards building good credit. 



( 1 ) Pay back the debt you owe.

( 2 ) Do not borrow money that you can not pay back. 



Your case file will be presented inside the court house on XX/XX/2021, Now I want to know that do you want to resolve this matter outside the courthouse or submit your case file inside the courthouse. 





Reply me back immediately with your final answer so we can be in a position whether to put hold on your case file or to proceed it inside the courthouse, Thank you. 



Sincerely, XXXX XXXX NATIONAL CREDIT ADJUSTER ( HEAD OFFICE ) XXXX XXXX XXXX XXXXXXXX, XXXX, Alabama XXXX,
Product: Mortgage

I paided my mortgage for XX/XX/XXXX and XXXX which total {$3200.00}, for 2 months. they want post the payments to my account. saying that the payment was suspense. I don't know what reason. I have documents to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.