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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Incorrect Information Due to Violations of the FCRA and CFPA Dear, CFPB Representative, I am writing to you under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Consumer Financial Protection Act ( CFPA, 12 U.S.C. 5531 and 5536 ) to formally dispute and demand the immediate removal of negative accounts from my credit report. 

I have been a victim of your unfair practices and demand the immediate removal of these negative accounts. 

I have been directly affected by multiple violations of the law committed by your company, as already recognized by the Consumer Financial Protection Bureau ( CFPB ). Due to your negligent and fraudulent practices, my credit history has been severely damaged, causing me financial and personal harm. 

As a result of your errors and failures in managing credit information, I demand the immediate removal of all negative accounts reported on my credit file. 

Violations Committed by Your Company 1. Failure to Conduct a Proper Investigation of My Disputes ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) I submitted disputes regarding incorrect information on my report, but your company failed to conduct a fair investigation or correct the errors.

2. Reinsertion of Previously Deleted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Some negative accounts that were previously removed have reappeared on my report without justification or prior notification.

3. Inaccurate Reporting and Lack of Quality Controls ( 15 U.S.C. 1681e ( b ) ) Your company is required to maintain procedures to ensure the accuracy of credit reports. However, due to defective systems and verification failures, my credit history has been unfairly damaged.

4. Deceptive Practices in Communication with Consumers ( 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) ) In response to my disputes, I have received contradictory and misleading information, which constitutes an illegal practice.

Negative Accounts That Must Be Removed Below are the accounts that have been incorrectly reported and that I demand be immediately removed from my credit report : XXXX XXXX XXXX ( Partial Account Number : XXXX .... ) account was deleted and they put it back on me I demand the deletion. 


I Demand Immediate Action Since the CFPB has already fined Equifax {$15.00} million and has sued Experian for these same practices, your company has already been found guilty of these violations.

Therefore, I demand the following : 1. Immediately remove all negative accounts listed in this letter. 
XXXX. Provide me with an updated credit report reflecting these changes. 
XXXX. Cease any reinsertion of incorrect information in my credit history. 

If you fail to comply with this request within the legal XXXX period under the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ), I will file a formal complaint with the CFPB and consider legal action for damages. 

I have attached copies of supporting documents for my claim and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Im contacting you regarding predatory behavior of NewRez /Shellpoint who fails to provide me with Payment Deferral Option for my covid 19 forbearance payments to be applied to the back of the loan. 

I contacted them numerous times and was promised by their agent to include Payment Deferral Option in the agreement but the agreement was never corrected to reflect this option. 

My Covid 19 forbearance ends XX/XX/22. I am able to resume monthly payments. As of today, and despite of their previous promise, the Servicer declined to proceed with Payment Deferral Agreement ( to Extend the term of the loan for the number of months the loan has been in forbearance ; ) Attached in exhibit A is a public announcement by FHFA stating that the Servicer is OBLIGATED to provide Payment Deferral Option for Covid Forbearance payments. New York State Law 9 ( x ) equally states that Servicers are obligated to defer Covid 19 forbearance payments to the back of the loan. NewRez/Shellpoint found a loophole not to comply with New York laws ( while servicing New Yorkers ). 
Please investigate.
Product: Credit card

Representative refusing to post a payment made in XX/XX/2023. I've been making rapid payments ; XXXX posted and the other did not. When I called to make the company aware that a XXXX dollar payment had not posted ; I was treated as if the payment did not matter, and they did not have to post it. The operator kept pretending as if they did not understand what I was talking about. They never posted it which is in violation of the contract that has been agreed upon. They are refusing to post payments. 

Also, there seems to be finance charges applied with no way to see how much the finance charges are. The electronic statement is not listing the finance charges that should be plainly visible.
Product: Mortgage

This is my second complaint filed with the CFPB regarding Mr Cooper. Same issue I filed about XXXX weeks ago. 

I have overpaid my Escrow funds by {$11000.00}. I have requested these funds to be returned. SINCE XX/XX/2022. 

I am convinced, after reviewing the number of consumer complaints against this Mr Cooper, ( which can be reviewed online - are incessant - and go on and on .... ), I don't know if the CFPB is equipped to deal with this monumental task... Mr Cooper does not seem to care about your consumer advocacy bureau. The CFPB. AT ALL. 

When I contact them, and point out that I have an open complaint against them, I am convinced their phone associates don't even know what or who the CFPB is!!! 

They don't take my calls seriously. They promise a manager will be calling me back. 

NO ONE CALLS BACK!! EVER!! 

THIS IS MY SECOND COMPLAINT WITH YOUR GOVERNMENT CONSUMER AGENCY. FOR THE SAME ISSUE. 

What are you doing with this mortgage company to hold them accountable? 

I am XXXX. I need these funds immediately. PLEASE HELP!!! I am a consumer. Who was promised consequences from your agency when a creditor is irresponsible. 

The last manager I spoke to was : XXXX XXXX. A Manager. 
She was supposed to call me back on XX/XX/2022. 
I call and call and call... They can not put me through to her?? 
Why not?? 

I need recourse. Immediately... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Estate XXXX XXXX XXXX ( deceased ) Mortgagee XXXX XXXX XXXX XXXX : 3 Checks issued. Payable to deceased husband. Non-negotiable. 

Promised resolution : To ACH or Wire funds to my account. 
Payable to : XXXX XXXX. 
Emailed my voided check 3 times to : XXXX AND XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, I attempted to refi my mortgage through 5 company which includes my current mortgage holder. Because my debt to income ratio is high due to retirement, I was refused. After filing a complaint, my current mortgage holder suggested a Covid forbearance plan : " You have been approved for a Forbearance plan. We know these are challenging times, so in order to provide you with short-term payment relief, we have accepted your forbearance request and your plan is now active. '' I accepted this as a stop gap to save my home that was purchased in XXXX. My Point of Contact ( POC ) said that a refi can not be performed because of the debt to income ratio and because of the investors ' interest. 

Well, now that I have been approved for the Forbearance Plan, I am receiving email offering : " Thinking about buying a new home or investment property soon and wondering how you can save more with PennyMac? Let us count the ways ... 

{$1100.00} Discount* Historically Low Rates Low Down Payment Options Homebuyer Tip : Get your free pre-approval with a PennyMac loan expert before you start home shopping! Then youll be ready to make offers and take advantage of your discounts with PennyMac. '' I realize that this advertisement is not a guarantee loan. I can not qualify for a refi but receive information regarding financing with new home loan at lower rates. 

Why not protect your " investors '' with a reliable home mortgagee holder with a permanent lower rate than a temporary fix?
Product: Money transfer, virtual currency, or money service

Block , inc dude to inadequate customer service and unfair practices witch violated the customer financial protection act
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$790.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$270.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

In XX/XX/XXXX I called Flagstar Bank to resume payments from the forbearance. They let me know that I qualified for the deferred back payment plan. They instructed me that I will be receiving the paperwork within 2 weeks and to notarize it and send back with payment. I contacted them again with the 2 weeks and they said it has not gone out yet but I should be receiving it shortly. Then I called them again on XX/XX/XXXX and was told the same thing. I called seveal time in XX/XX/XXXX and XX/XX/XXXX and the continue to be stalled and say they are still doing the title search. This went on for two months. I called them a total of 13 times. Then on XX/XX/XXXX they said there was a mistake and I have to start the process over again. So I started the process over again and they stated that I will be receiving the paperwork within 12 days but once again I still have not gotten any paperwork for the deferred payment ( I forgot the name they called the deferred payments at the back of the mortgage ). Nor have anyone ever reached out to me concerning this matter. But they would give me mortgage statements saying I am in default and the total amount due.
Product: Mortgage

This is a follow-up XXXX that was returned as " not our company '' which is false. We verified by calling Reverse Mortgage Funding today that you are servicing this loan. Why do you make this so hard? 

To : Reverse Mortgage Funding From : XXXX XXXX XXXX, elder sister of XXXX XXXX XXXX, deceased re : Extension needed to stop foreclosure PROPERTY of XXXX XXXX, deceased XX/XX/2022 ADDRESS : XXXX XXXX Ct, XXXX XXXX, CA XXXX I just spoke to XXXX to request an extension for the home property of my brother, XXXX XXXX, which apparently is threatened w/ foreclosure. I am trying to deal with this from MI. I explained that for Proof of Effort, I had already provided contact information for the Realtor and the Attorney handling the property sale but that I could not provide an ad for the sale until probate has been completed, which they hope will occur by XXXX but we dont have any control over the judicial system that does this. I had already provided the information for the Realtor and the Attorney for the proof of effort but will provide it again : Atty : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX cell : ( XXXX ) XXXX This is the Attorney who is handling the probate. Realtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX cell : ( XXXX ) XXXX This Realtor is managing the property and tending to the landscaping, which you can easily witness by visiting the property. They can not prepare the interior until probate has been complete In the meantime, can you please grant the extension and stop the foreclosure? Also, my brother XXXX  from XXXX complications. So he would qualify for foreclosure extensions through federal protections. Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX ( XXXX ) XXXX, office ( XXXX ) XXXX, cell XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX and Experian is reporting child support obligations on my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681b, which prohibits reporting information unrelated to a credit transaction. I submitted a formal dispute to XXXX on [ insert date ], but they failed to remove this inaccurate information. 
XXXX and Experian is reporting information not tied to a credit transaction, violating permissible purpose requirements under 15 U.S.C. 1681b. 
XXXX and Experian failed to reinvestigate and correct the error, violating 15 U.S.C. 1681i.

Reporting this information is also a breach of their duty under 15 U.S.C. 1681s-2. 
Harm Caused : This error has negatively impacted my XXXX XXXX, caused financial harm, and created unnecessary stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with Navy Federal Credit Union that I was never late with. 
At the end of XXXX, the President enforced a government shutdown that impacted millions of small businesses and thousands of XXXX veteran/XXXX  XXXX  like mine. Invoices that we had submitted in XXXX, XXXX, XXXX and XXXX were not honored until almost mid XX/XX/XXXX. 
When I realized our invoices would be not be honored and we were pulled off projects I reached out to all my debt holders - XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX  XXXX XXXX, and all worked with me. I not only wrote letters but called or visited in person those I owed. One of those was Navy Federal Credit Union. I went to their XXXX, CA office and with their manager called in to NFCU home office and the NFCU agreed to not place anything negative on our credit report. They said I had an outstanding payment record prior and they were working with all their veterans to ensure they were not harmed due to the government shutdown. Once we were paid in XXXX, I made up the back payments and have not been late since. But learned this year, NFCU did in fact post a negative on my report. I wrote then two certified letters. I went to their office. I called. I emailed. And I only get one paragraph reponses. They have taken over 30 days to respond to my letters and when I called last week, they say they had no records of my calls or emails. When I was in the office with my complain others were there also with the same issues. This is not right. I sent a certified letter to the President of NFCU that was five pages long in detail. I get one paragraph letter by from someone in Risk Management and when I attempted to call or email this person, the number didnt work and they had no email from him. Before that I received a letter from a woman and again the telphone number was bogus. This week I got an email saying they would investigate again, but no contact information. Something must be done to punish NFCU for being sloppy in responding and not keeping their word.
Product: Checking or savings account

On XX/XX/year>2024, I discovered that my Chase account had been closed without any prior notice. I immediately called Chase customer service, and they assured me that the funds from my account would be returned within 10 business days after the account closure. All of my savings are in that account, which has created a difficult financial situation for me, as I am unable to pay my day to day living expense without access to these funds. 

On XX/XX/year>2024, Chase closed my account, again without any email or call notification, and I received a notification letter via mail on XX/XX/XXXX, informing me that my account had been officially closed. By this time, however, the account was already closed. 

My account summary from Chase received on XX/XX/XXXX shows that on XX/XX/year>2024, {$19000.00} was already drafted from my checking account and {$10000.00} from my savings account. I did not authorize these transactions, and despite the earlier promise, I have not received the funds back.
Product: Consumer Loan

I have home & auto insurance through USAA and, at one point, had XXXX cars on my policy ; never paid late. So, I decided to give USAA a try and apply for an auto loan on XXXX/XXXX/15 to try and build more business with them. After applying for a loan online, I was told that they required more information ( XXXX paystubs and clarification of income ) from me. I uploaded the documents right away and then called the next day and was told they did n't receive the documents. I then uploaded the documents while on the phone with the rep and was then told I needed to provide 2 years worth of tax returns!! NEVER IN MY LIFE HAVE I BEEN ASKED TO PROVIDE TAX RETURNS FOR AN AUTO LOAN!!! Just to play it out, I uploaded the requested documents and was then told they would have to get back to me ... I was still waiting as of XXXX/XXXX/15 when they notified me that they were unable to approve my request for the following reasons : Insufficient or unverifiable income. 
I provided the requested documentation to the bank to include the following:XXXX subcontractor agreements for both of my sources of incomeA recent bank statement detailing the deposit of said income2 years worth of requested tax returns ( XXXX and XXXX ) I have a good credit rating and make well over $ XXXX between my XXXX jobs. I feel like USAA discriminated against me and treated me like I was doing something illegal when I have proof of all information. To make matters worse, THEY REMOVED MY NEGATIVE REVIEW OF THEIR PROCESS FROM THEIR WEBSITE!! BUYER BEWARE!!
Product: Prepaid card

I registered the Visa Gift Card - tried to use it twice - both times declined I contacted PrepaidGiftBalance.com - they said I need to fax over a copy of the card - front and back and my ID- I have done this 5 times to 3 different fax numbers. They still wont release the funds- each time they say it's something different - can't read fax- it was blurry or the fax was too dark or the fax was jammed and need to resend. This has been going on for over 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( Experian, XXXX and XXXX ) credit reports, and I noticed some late payments posted on my credit reports : The account below is being listed with late or missed payments and that is incorrect. I sent each Credit Bureau i letter stating that this account wasn't late and that i had identity theft in XXXX of this year and had to have my checking account info changed, XXXX XXXX made note of the new account however didn't remove the old checking info and when XX/XX/XXXX payment was made charged the old account which was told would be removed and wasn't. Causing my account to be reversed with being late. 

THIS ACCOUNT SHOULD READ PAYS or PAID XXXX XXXX XXXX XXXX ( Account # XXXX ) Late Payment XX/XX/XXXX These are the certified tracing labels for each credit bureau and copy of letters sent. 

XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Bank of America sent me card on XX/XX/2023 which I never applied for I was sent a alert from XXXX XXXX asking if I opened account and disputed this account. I contacted Bank of America on XXXX XXXX and they closed account XXXX XXXX notified me on XXXX and they reported to all credit reporting agencies using XXXX XXXX as their agent to contact other credit reporting agents.XXXX XXXX told me to report to you thank you for your assistance
Product: Mortgage

In XXXX of 2021, XXXX XXXX held our mortgage. Our last pay went was made to them well little did we know they sold our loan to FAY SERVICING LLC. Since XXXX of 2021 we have no been able to make a payment because they keep threatening foreclosure thru mail. I have called and called and called and I am at a loss at this point. My husband is the breadwinner, has had XXXX very serious surgeries which has made him unable to work. My daughter and her little boy who has XXXX  live with us and she tries to help as much as possible but only get his ssi. I need help with this company I just recently received a letter of my payoff and they added nearly XXXX in fees.
Product: Credit reporting or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX {$6900.00} XXXX {$4700.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$520.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX {$15000.00} XXXX XXXX {$14000.00} XXXX XXXX {$10000.00} XXXX XXXX {$840.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Name : ( Name Goes Here ) Consumer Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private XXXX ) Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion, XXXX and XXXX credit reporting agency block the information appearing on my consumer credit report, which has resulted from inaccurate and false reporting. Specifically, TransUnion, XXXX and XXXX failed to properly verify this information within thirty ( 30 ) business days of receiving my request. 
The inaccurate and false information includes : XXXX, XXXX, XXXX, XXXX Credit XXXX, XXXX XXXX XXXX XXXX XXXX my XXXX XXXX credit report maintained by TransUnion, showing these inaccurate items. 
I do not recognize any of the accounts, collections, as reported. These accounts, collections, and hard inquiries were not opened, made, or initiated by me.
Product: Credit reporting or other personal consumer reports

I was recently denied a dispute with XXXX XXXX. This account is part of a class action lawsuit that I am apart of, and I need this account removed immediately. This account has stopped me from getting a mortgage and other credit extensions. And they were in violation of the U.C.C. Code