23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

As of XX/XX/XXXX, I continue to be denied access to information per the Real Estate Settlement Procedures Act ( RESPA ) regarding my deceased parent 's home from XXXX XXXX XXXX XXXX. My mother passed away in XX/XX/XXXX and my father passed away in XX/XX/XXXX. Their estate is insolvent and therefore, mortgage payments could not be made by the estate. The mortgage is currently in default. Shortly after my father 's passing, I timely initiated communication with XXXX XXXX XXXX XXXX and informed them of the situation. On XX/XX/XXXX, I received notification from Beneficial stating, " Based on the documentation provided by you, or on your behalf, XXXX XXXX XXXX XXXX, acknowledges you as being responsible for the borrower 's estate. Our records have been updated to reflect this information. We are committed to facilitating communication with you regarding the borrower 's mortgage loan account and will work with you whenever possible. '' On XX/XX/XXXX based on a hardship request I made to Beneficial, I was conditionally approved for a short payoff through their loss mitigation process. Very shortly thereafter, I was I was then later notified by Beneficial that my father 's loan was transferred to XXXX XXXX XXXX , XXXX effective XX/XX/XXXX, and subsequently transferred to XXXX XXXX XXXX XX/XX/XXXX by XXXX XXXX XXXX XXXX, XXXX. Beneficial did state that all documents regarding communications, negotiations, modification requests, etc. would also be transferred to XXXX without interruption. This was later confirmed by XXXX on XX/XX/XXXX via their follow-up notification. Information requests to Beneficial, as recent as XX/XX/XXXX, including a Qualified Written Request, have gone unanswered by Beneficial. How is it possible for Beneficial to transfer the servicing of my parent 's loan and subsequent sale of their loan to investors during the loss mitigation process? Although Beneficial stated XXXX would honor the existing loss mitigation agreements, XXXX has neglected to do so. Beneficial is conducting business in a fraudulent manner which places further hardship on homeowners when trying to resolve issues in a lawful manner.
Product: Credit card or prepaid card

Prior to the beginning of 2020 I have had an excellent payment history with Capital One. However, due to financial hardship in addition to the pandemic I was not able to make my monthly payments. I must admit that I did not do my part in contacting Capital One in a timely matter. It was an overwhelming time, but I do apologize for my negligence. I have occurred late payments from XXXX, which is negatively effecting my credit report and history.
Product: Credit reporting or other personal consumer reports

This is what happens when fraudulent company 's business are allowed to operate, THERE STILL ONCE AGAIN WORKING ON THE ISSUE, LIE LIE LIE LIE LIE LIE LIE LIE LIE, nothing but a stall tactic
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXXXXXX Balance : {$3400.00}
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX AUTO - Account Number : XXXX
Product: Checking or savings account

I reported fraud on my checking account as soon as it happened. I told them I was a victim of ID theft and the charges on the account were fraudulent. I first disputed twice with PNC, then several times with the bbb they wouldn't take off the last amount. It started at XXXX and was sent to collections. I spoke with XXXX XXXX XXXX XXXX XXXX. She informed me the original amount was XXXX. And that's what should have been charged off. Somehow it became XXXX. I found out. There was a XXXX dollar charge off fee. Resulting in the increase. The charges on there were for 4 XXXX fees for returned items on purchases that weren't mine. The one charge was XXXX which was after a dispute credited back. Then XXXX for shoe buy on XX/XX/XXXX. This was credited then reversed this was not my charge. On XX/XX/XXXX another XXXX charge for XXXX XXXX which I didn't use. I never signed up with them or gave credit card information. This was a reversed charge. I should mention the XXXX was also XXXX XXXX. Which and the occurred XX/XX/XXXX. And the XXXX dollar fee for charge off was never credited. I worked with XXXX XXXX and he treaded me like I was the problem and wouldn't help me at all. He just went on about other credits and issues having nothing to do with this case. It's about XXXX they say I still owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the year 2013 my identity was stolen, unbeknownst to me, someone used my government issued social security number to obtain goods and services using my personal information. this theft begin to take place while I resided at XXXX XXXX XXXX XXXX. I have sent notification of the invalidity of these debts to this company along with my tax return showing where I was residing when the account was opened ( copies attached ) via certified mail as advised by my council A COPY OF THESE REQUEST AND FILES HAVE ALSO BEEN SUBMITTED TO EACH CREDIT BUREAU VIA CERTIFIED MAIL AND SECURED FAX, I have sought council and gathered all the information, reports and followed the law in order to take the necessary steps to restore my good name, HOWEVER THIS COMPANY continues to report this invalid fraudulent account. I have attached the ID THEFT packet again with my police report, proof of address when account was opened and my proof of identity account # XXXX
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX ( Account # XXXX ) is being reported with contradictory, inconsistent, and unverifiable information across Equifax, Experian , and TransUnion, violating 12 CFR 1022.41.

Equifax reports {$0.00} high credit, while Experian lists {$110000.00} ( data corruption ).

Experian states Closed by consumer, yet also lists it as Unpaid loss ( conflicting status ). 
TransUnions record is also inconsistent with XXXX XXXX guidelines. 
Additionally, multiple unauthorized inquiries have been made on my credit file without permissible purpose, violating FCRA 604 ( a ) ( 3 ).

Unauthorized Inquiries Across All Bureaus : - Equifax : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

- Experian : 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 XXXXXX/XX/XXXX ), XXXX XXXX ( XX/XX/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 XXXXXX/XX/XXXX ). 

- TransUnion : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ).
Product: Mortgage

This is the second complaint Ive done, and the the first complaint Shellpoint Claims to not recognize me as a customer ( This complaint lists someone the company does not recognize as their customer or their customers authorized representative. ) complaint ID # XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage ISSUE Struggling to pay mortgage They were sold my mortgage by another company and I have not had the opportunity to verify any information for accuracy, the loan was originally started in XXXX by XXXX XXXX loans, then XXXX XXXX XXXX, and has continued to have gotten sold and Shellpoint has foreclosed it. 

Its obvious they practice doing this because they have tons on complaints ; I will continue making complaints until I am heard. ShellPoint LLC is company that should not be in business
Product: Credit reporting or other personal consumer reports

Since XXXX, I have been disputing adverse information due to XXXX XXXX 

It has been nearly impossible to get accurate or information as Equifax does not have a direct phone number or email or a specific case manager or special handling for this. I have to continuously call and have my information " passed " to the correct department, as consumers can not directly speak to anyone on the review or investigation team. XXXX AND XXXX HAVE A DEDICATED TEAM THAT YOU CAN COMMUNICATE WITH AS NEEDED DURING THIS SAD AND DIFFICULT PROCESS. EQUIFAX DOES NOT. 

The emails I received most recently stated I needed more information, which I did not, as I have continuously provided the correct information SINCE XX/XX/2023. 

However, upon checking my credit report, the information was finally removed in XXXX, even though I did not get an update on this. NO one contacted me even though I called weekly to check the status ; no one could provide a status other than it was still under review which was FALSE. 

I had to submit a final correction or removal request for the last two items that should have been included in the first request. I have already been approved. My information has been reviewed since XXXX, and I have shown that I have the correct information for the removal, as the last adverse information was successfully removed. 

Now I am submitting a second dispute to get the last two remaining Items removed. I called and submitted, and they are saying the. SAME THING AS BEFORE... .THAT THEY ARE MISSING A VICTIM DETERMINATION STATEMENT DOCUMENTATION WHEN THEY ARE NOT. THEY HAVE IT. Multiple. TIMES These last two items must be removed as I have already provided the correct approved documentation, shown by the XXXX removal. 

They are seemingly making redo this entire process giving me the run around again when they have all the correct information already to remove as they did in XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communication regarding the removal of fraudulent items from my accounts. This serves as the first follow-up attempt to address this urgent matter. 

As previously discussed, I have reported several fraudulent transactions on my accounts and have provided all necessary documentation to support the investigation and removal process. However, to date, I have not received confirmation of the removal of these unauthorized items or any updates on the progress made in resolving the issue. 

I kindly request that you provide me with a status update on the investigation into the fraudulent transactions and confirm when the unauthorized items will be removed from my accounts. Additionally, if there are any further steps required from my end to expedite the process, please do not hesitate to let me know. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXXXXXX XXXX XXXX : {$380.00} XXXX XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$810.00} XXXX XXXX Balance : {$6700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$640.00} XXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I opened an account with Gemini on XX/XX/2021 and Ive been waiting to get verified ever since. Ive been able to purchase crypto currency on their app, but I havent been able to withdraw it because my account isnt verified. I have sent an email to support back in XX/XX/2021 because they said it would take at most 2 weeks to get verified. So I didnt receive a respond to my XXXX XXXX email until XX/XX/2021. Im hoping to get verified on there because I find it unfair that I can buy assets but not withdraw or sell them, it has been almost 2 months and its starting to get worrisome. It feels like they are stealing my money.
Product: Debt collection

I have been receiving threatening phone calls about a debt ( that I don't believe I owe ), since XX/XX/XXXX fromXX/XX/XXXX. Several different people from there have called, when asked they say they are representing XXXX XXXX XXXX and that I'm going to be sued for not paying a GE Capital -XXXX   card. They ask about an address that I'm no longer at but never have asked for a new address to send all the legal docs but keep threatening that they are coming in the mail if I don't pay. XXXX XXXX even started calling my family members asking for my personal info telling them that I'm being sued, even going as far as threatening them. They never have said that they were attempting to collect a debt. They seem to be more concerned about getting personal info. and have always been very rude. Prior to these phone calls I have NOT received anything in the mail about owing this debt. I have several of the voicemails saved as does my family members that have been receiving the phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOT REQUESTED FREE COPIES OF MY CREDIT REPORTS IN A VERY LONG TIME ( POSSIBLY 10 YEARS ). I ATTEMPTED TO SECURE MY FREE REPORTS TODAY, BUT FIRST REPORT WAS BLOCKED DUE TO MY REQUEST FOR THE REPORT IN LESS THAN 12 MONTHS. I DID NOT REQUESST MY REPORT IN A VERY LONG TIME ( POSSIBLY 10 YEARS ). 
ALL I WAS ALLOWED TO DO WAS FILE A COMPLANT WITH TRANS UNION ( THE FIRST AND ONLY AGENCY I ATTEMPTED TO SECURE REPORT FROM ).

COMPLAINT : SOMEONE HAS APPARENTLY HI-JACKED MY CREDIT REPORTS, ANE THEY HAVE FREE ACCESS TO MY REPORTS WHILE I MUST JUMP THRU A BUNCH OF LOOPS TO GET AT THE REPORT TO FIND OUT WHAT'S GOING ON. TYPICAL-PRIORITY IS IN THE WRONG PLACE TO PROTECT THEIR LOUSY {$30.00} FEE IN STEAD POF PROTECTING MY INFO, MY INFO, MY INFO. I OWN THE INFO AND IT IS ABOUT ME, BUT I CAN'T SEE IT AND ATTEMPT TO DO SOMETHING ABOUT IT BECAUSE THE GOVERNMENT WON'T PROTECT THE CONSUMER. XXXX, TRANS UNION AND XXXX  ARE THE PRIORITY. THAT'S A COMPLAINT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified both XXXX and Transunion that there is an incorrect late payment for XX/XX/2018 for my mortgage with XXXX with both credit reporting agencies. Both credit reporting agencies told me the information could not be changed because XXXX would not correct the information. I notified XXXX and was sent a letter from them verifying that I was NOT late for XX/XX/2018. I would like both my Transunion and my XXXX reports be updated to display the correct information on my credit reports immediately. In addition, since my scores on both reports dropped considerably because of this late notation, I would like to be rescored to reflect the updated information.
Product: Debt collection

My name is XXXX XXXX XXXX XXXX someone open a PayPal account In my name which doesnt belong to me Ive called and explained to this come over the last 3years this is not my account and it was never opened by my they stated that because it has my address its my account when I spoke with a representative they stated that the email were not the same but the house address matches so they trying make me responsable for paying the account of {$670.00} in which I have no problem paying if this were my account so Im reach out to have someone help me clear my name of the identity theft that has been created by someone else thank you XXXX XXXX
Product: Credit reporting

I satisfied a debt to XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$8500.00} on XXXX XXXX, 2014. I need Experian to remove this judgement from my credit report. This Civil Action number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my XXXX XXXX, XXXX and Experian credit report is fraudulent and unauthorized : XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX XXXX Bank, XX/XX/XXXX, XXXX DC Bank XXXX XX/XX/XXXX, XXXX Bank Delaware XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX Bank XXXX Credit, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Bank XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX Bank, XX/XX/XXXX XXXX XXXX XXXX Bank, XX/XX/XXXX and XXXX XXXX Bank, XX/XX/XXXX
Product: Credit card

I have a Bank of America XXXX XXXX XXXX Signature Credit Card. When I tried to pay my first bill XXXX XXXX, 2024, Bank of America website did not allow me to connect my other bank account. They insisted I open an account with them, which wasn't a requirement when I applied for the card. 
Moreover, they locked my credit card after I attempted a purchase on XXXX. It's absurd to me, as XXXX is one of the largest companies in the U.S. Why was my account locked for trying to buy from there?

They told me the only way to pay my bill was to visit a branch in XXXX XXXX and submit a physical check. I recently moved to XXXX  XXXX, and driving over XXXX hours to pay a bill is unreasonable. 
I've always paid my bills on time, and this is the first time I've encountered such issues with a bank. It feels like theyre trying to impose late charges or force customers to open accounts with them. 
I seriously believe this bank is violating Americans ' rights to fair financial services.
Product: Debt collection

First it was a guy ( XXXX ) that called before XXXX, leaving message on home phone that " The state had hired him to serve process '' then ladies started calling me at work repeating that the state had hired her to serve process. One conversatin I asked that she not call me at work and who she was with. She did not respond but said XXXX  had hired her. I told her to go ahead and do what she had beenh hired to do. Hung up and she immediately called my cell ( at work ) These people call non-stop all day with the same messgael I looked them up by the phone number ; different names sames message. 
This week I got a piece of mail. In internet research it appears mostly they are scamming people using scare tactics even if the person is not the correct individual. I got home yesterday to a total of 21 call from the number leaving no messages.
Product: Debt collection

Open XX/XX/XXXX oXXXX XXXX It is XXXX XXXX service which would have been taken care of by my sons insurance. I have contacted the insurance company several times and the service to get it taken care of and they havent done anything about it. Insurance should have paid this! As this violates FCRS
Product: Credit reporting or other personal consumer reports

The reporting of the account from XXXX XXXX XXXX XXXX XXXXXXXX AT {$1000.00} LISTED AS XXXX XXXX XXXX. Is affecting me by reporting negatively on my consumer report and disallowing me the ability to use my positive history to obtain stability. This Account was XXXX XXXX XXXXXXXX and paid. So now it's in VIOLATION OF MY CONSUMER RIGHTS UNDER 15 U.S.C 1681 ( e ) ( b ) and SECTION 604 15 U.S.C 1681b. 
Which also allowed the XXXX XXXX XXXX XXXX, XXXX, AND XXXX TO COMPROMISE MY IDENITITY. I DID NOT UNDER ANY CIRCUMSTANCE GIVE MY PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORT IN THIS MANNER!! WHICH IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C. 1681c2. 
I WILL PURSUE THE FULL LENGTHS OFTHE LAW UNDER XXXX XXXX FOR WILLINGLY AND KNOWING VOLATING THE LAW!
Product: Debt collection

Someone came to my house saying that they were suing me and I need to go to court. This happened XXXX of 2021. The same person came by again and handed me more paperwork saying I need to come to court and this was about a outstanding balance that I needed to pay as soon as possible I stated that I am not working so I'm not able to pay anything. The date was XXXX of 2021 of the second visit to my house.
Product: Debt collection

I have been receiving multiple calls, sometimes at the same time to my land line and cellphone. XXXX account, was closed a long time ago with XXXX balance. The last time I bought something from XXXX XXXX XXXX was on XX/XX/2018 and it was paid in full with a credit card and not with the XXXX XXXX XXXX account. I checked this morning my XXXX   account and the balance is XXXX. I blocked the number but still received text message with link to check my XXXX  account. I am receiving text and calls from XXXX with the same message from XXXX XXXX who owns the account.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint concerning multiple unauthorized inquiries on my credit report, with the exception of those made by XXXX XXXX. Upon reviewing my recent credit reports from XXXX, XXXX, and TransUnion, I noticed several inquiries that I did not authorize. These unauthorized inquiries are negatively impacting my credit score and overall creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ), consumers are protected against unauthorized access to their credit information ( 15 U.S.C. 1681b ). According to the FCRA, only entities with a permissible purpose should have access to my credit report. The presence of these unauthorized inquiries indicates a potential breach of my rights under this law. 
I request an immediate investigation into these unauthorized inquiries. I expect that any inquiry that can not be verified as authorized be promptly removed from my credit report. This corrective action is necessary to ensure the accuracy and integrity of my credit information as mandated by the FCRA ( 15 U.S.C. 1681e ( b ) ). 
For your reference, I have attached copies of my credit reports highlighting the unauthorized inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute an unauthorized inquiry that has been reported on my Equifax Credit File. The inquiry in question appears to be completely unfamiliar to me, and I have no recollection of ever initiating it. I am not aware of any dealings or transactions that could have led to this inquiry, and I believe it was made without my consent or authorization. As a result, I demand Equifax the immediate removal of this unauthorized inquiry from my Credit File. If Equifax claim that this inquiry is valid and yours, I request Equifax to provide substantiating evidence to support Equifax ' claim. However, if Equifax are unable to provide any evidence of my authorization, I insist that Equifax remove this inquiry promptly : XXXX XXXX XXXX XXXXXX/XX/2023. This inquiry is not affiliated with me, and I have not received any money, goods, or services as a result of this unauthorized inquiry. Neither have I authorized these inquiry. I demand that this be immediately removed from any affiliation with me.
Product: Credit reporting or other personal consumer reports

I submitted letters to Equifax and XXXX regarding several outdated accounts XX/XX/2023 and XX/XX/2023. There are several accounts that are beyond the statue of limitation and still reporting that should be removed. The letters were sent certified mail. This is harming my credit and causing me to pay more in interest. The credit bureaus have removed the accounts and then added them further damaging my credit score. This needs to be corrected immediately.