23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The XXXX process started in XXXX, my XXXX  and I took a XXXX out on XX/XX/XXXX. The payments were always made on time, the loan is a XXXX XXXX loan it originated through XXXX XXXX XXXX  so they own the note. The mortgage has been transferred to several banks. The mortgage servicer was Wells Fargo when it went into foreclosure. Wells Fargo started the foreclosure in XXXX/XXXX. I am on the mortgage and security instrument, but not the note. My XXXX is in a XXXX home with XXXX, her XXXX is the XXXX XXXX XXXX XXXX XXXX, her XXXX whom is XXXX is the XXXX XXXX XXXX XXXX XXXX  The XXXX did not inform me that they stopped making payments on the XXXX and the bank never notified me. My address on XXXX documents are going to an address that Ive never lived at. My address is the same address that is being XXXX. When I found out it was in XXXX, I tried to make payments with Wells Fargo but they wouldnt let me have access to the acct, the XXXX  refused to let me pay. I sent in complete XXXX XXXX paperwork and was never contacted back, which is against FHA rules. I put up my XXXX as a security instrument, my XXXX  bought my XXXX XXXX  out so I would stay there, Im in all XXXX documents its in the XXXX  yet Im going to XXXX my home? Wells Fargo closed the account in XX/XX/XXXX and sold their interest to a trust company named XXXX XXXX XXXX, the bank is now XXXX Bank. They waited 180 days after purchasing loan and started up the XXXX again even though they never notified my, the XXXX  still shows Wells Fargo as XXXX The fees are now 3 times as much. This case is full of fraud, XXXX neglect, refusal of account access to a borrower on XXXX, discrimination of a XXXX adult, refusal of XXXX XXXX, its over the statute of limitations for the case and what has happened. Wells Fargo contacted me after I complained with you in XXXX, but they still would not let me have access to account to pay. They said they would contact me with a payoff amount, but did not and then the loan was transferred. I dont know what to do because no one will look at the detail of this case. The banks have to follow servicing rules and Im still notified of nothing. The XXXXXXXX information should be mailed to the address being XXXX on which is where I live. Help me! This is illegal please look at the entire case.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, Affirm placed XXXX ( XXXX ) Notice of XXXX XXXX on my XXXX credit report. I contacted Affirm on XXXX separate previous occasions to work out a payment plan to avoid charge offs, but they were unwilling or unable to help me. The first Notice of Suit/Judgement is for {$100.00}, an amount which was charged off by Affirm on XX/XX/XXXX. My info from my XXXX account states a date filed with the court of XX/XX/XXXX and a date satisfied with the court of XX/XX/XXXX. I live in Connecticut and never received a notice of lawsuit from Affirm and there is no civil proceeding filed in XXXX XXXX XXXX. If they sued me which XXXX indicated they did, they did not bring the action where I am domiciled. 
There is also a Notice of Suit/Judgment in the amount of {$150.00} on XXXX, which Affirm charged off on XX/XX/XXXX. The date filed with XXXX is listed as XX/XX/XXXX and the date satisfied with XXXX is XX/XX/XXXX. Again, if they sued me Affirm did not file the action in Connecticut. 
Also, I was not given 30 days to respond to the charge offs. I want these items removed from my XXXX credit report immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  account # XXXX ( XXXX  XXXX ), # XXXX ( XXXX  ), # XXXX ( XXXX XXXX XXXX ), and a few hard inquires from XXXX XXXX  XXXX, XXXX card, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights and have inconsistent information being displayed on all 3 bureaus.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 section 1 : states The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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
Product: Debt collection

I am at a complete loss of words the the lack of assistance and justification I had received in regards to a debt I do not even owe. On a XX/XX/2022, upon reviewing my credit report I noticed an account XXXX listed as a collection from Aargon Collection but the original creditor is XXXX XXXX XXXX XXXX, with an amount due of {$1000.00}. There are several issues wrong with this debt. The first thing issue is that I have already reported this is a fraudulent account with the last debt collection that attempted to collect on behalf of XXXX XXXX XXXX XXXX which was XXXX  XXXX  and this was removed. Now here is another company attempting to collect the same debt previously confirmed as fraud. I also noticed that there obviously is some inaccurate reporting information wrong with this account as well such as the open date on XXXX reports as XXXX with the current status as account open while XXXX is reported open date of XXXX with current status as closed. If you are going to place a fraud account that was opened as a result of identity theft at least report consistent information. I have written to Aargon Collection agency and they sent documents saying this debt is valid but again provided me with the identity theft documents. Please help me get this fraud collection removed.
Product: Mortgage

I received an escrow statement dated XX/XX/XXXX, advising not only that there was an escrow surplus of {$200.00}, but that there was also an expected shortfall over the next year of {$85.00}, which would result in an increased monthly payment. Per my mortgage note, I am required to cover the shortfall and may do so in no more than 12 monthly payments. On XX/XX/XXXX, I made an additional escrow deposit of {$200.00} to cover the anticipated shortfall. I advised Shellpoint Mortgage Servicing of the same on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and further advised that there should be no change to my monthly payment. 

Despite covering the anticipated shortfall with an additional escrow deposit, Shellpoint has failed to respond satisfactorily to me, has ignored my request in breach of my mortgage note, and increased my monthly payment, beginning with the payment due XX/XX/XXXX.
Product: Mortgage

Newrez mortgage is not applying payments and reaping the interest benefits. I make bi-monthly payments totaling my full monthly payment plus {$350.00} towards the principal via auto-draft every month. They do not apply the first payment because they do not accept partial payments. They hold the first payment until a full payment is received robbing Homeowners of the interest savings that come with making bi-monthly payments. Since XXXX, they had not been applying any of my payments, even after totaling a full payment. It was not until I called to see what was going on that they pushed them through. They were not applied retroactively, so I lose the interest savings from the time they should have been applied to the time they decide to post them. I had three payments sitting in a sub account unapplied and they reported me as 30 days late to my credit report. I called and they applied those payments after I complained but my payment history looks as if it was late and now I have to submit a dispute to my credit report. I called today because my account is still showing that my full payment has not been applied although it was received 5 days ago. They once again confirmed that my payments were sitting in the sub account and said they would have them pushed through. I am paying a ton of interest every single day that they refuse to apply my payments and they are keeping money that they are not entitled to by applying payments days/weeks after receiving them. It is a deceptive and unfair practice and they need to be held accountable for the money they are stealing from homeowners.
Product: Debt collection

I don't recall receiving a debt validation notice within five days of this initial communication, as required by 12 CFR 1006.34, or the necessary validation information, including the name of the original creditor, the amount of the debt, and an itemization of the debt as required by 12 CFR 1006.34. I request that any negative information related to this alleged debt be removed from my credit report until the debt is properly validated, in accordance with 15 U.S.C. 1692g ( b ). I also request that Transworld Collection comply with all provisions of the Fair Debt Collection Practices Act and Regulation F, including providing the required validation information and ceasing collection efforts until such validation is provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo denied loan modification on my property, forcing me to file for bankruptcy in 2019.
Product: Student loan

Received letter from XXXX XXXX collecting for XXXX XXXX XXXX. I requested validation of this loan ( see attached ) and they sent me another collection letter. 

XXXX XXXX
Product: Debt collection

Ocwen is again violating the CFPB 's rules by not creating periodic payments, directly contacting a person who is represented by counsel a FDCPA violation, using deception in an attempt to get a homeowner into a new modification, not honoring the existing terms of modification, and providing a consumer false information.
Product: Debt collection

I have file a complain for numerous accounts stated on credit report and they have not verified how the account belongs to me. This process started XX/XX/2019 and still haven't had any accounts verified or contacted back from burueas.
Product: Debt collection

I am requesting that the alleged debt be waived because of the following exceptional circumstances : My father was diagnosed with a health problem that has impaired his ability to work  and drive .   Giving his current financial status and health problems he can no longer fulfill the terms of the original loan.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of this XXXX of {$870.00} with XXXX XXXX XXXX, XXXX XXXX XXXX Account number : XXXX. I dont have a contract with XXXX XXXX XXXX and they did not provide me with the original contract as I requested with my wet signature and ID verification.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedingagainst them for similar violations. request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Prepaid card

I have received three American Express gift cards from my employer. Im having a hard time using them in stores or online. Its embarrassing be rejected by a merchant. I can not log them into my XXXX account either. They are supposed to be accepted everywhere but that is not my experience.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I received a credit inquiry from this company JPMCB card service ( bank ) without my permission it seems to me that it is a fraud
Product: Debt or credit management

I signed up for Tally on XX/XX/year> expecting it to help pay down my two XXXX XXXX XXXX cards. It wasn't until I was already locked in that they informed me that they weren't able to support more than once XXXX XXXX XXXX  - ultimately just putting me in more debt and making multiple payments more difficult. It was EXTREMELY predetory and now I am stuck paying a lot more in interest. My debt has been sold twice already, and now it's owned by a company called XXXX XXXX, XXXX. Tally charged fees for services that they didn't provide.

We all signed up for a company that say it would manage our credit cards and help our credit scores. In the end, they charged us fees and are now passing on balances to credit collection agencies, which will now be reported to our credit bureau and will ruin our credit scores even more. This is not what they advertised, If it was, we wouldve never agreed to work with Tally.
Product: Checking or savings account

This is my second complaint to Citibank, the CFPB Case No. XXXX for the first complaint. I received a letter from XXXX XXXX an Executive Response Unit employee. My issue is that my Citibank account was locked for several hours because they said a check I had deposited for {$5000.00} was possibly fraudulent, I had to miss work and go to a bank branch to handle the issue, and it caused a big inconvenience in my end, because I had no funds to use and had to miss work without getting pay because of Citibank. I want to know what is going to be done about that from their end.
Product: Debt collection

Upon closely reviewing my latest credit report, I found multiple unauthorized accounts that appear to have been added without my consent.
Product: Debt collection

Portfolio {$2500.00} This account has been disputed since XX/XX/XXXX. They keep sending me the same automated response with no information providing me if in fact they owe the right to collect this debt, no documentation from the original creditor stating they sold it to Portfolio. 

The bill they sent me was Bill due date XX/XX/XXXX Balance {$2100.00} XXXX XXXX XXXX Where is the info for XXXX? 

XX/XX/XXXX Balance {$2500.00} XXXX XXXX ) XX/XX/XXXX Balance XXXX ( XXXX ) XX/XX/XXXX Balance {$2100.00} XXXX XXXX ) which shows it was charged off for {$2100.00} Why are they attempting to collect a debt for {$2500.00} when it shows it was charged off on XX/XX/XXXX for {$2100.00} Date opened they stated is XX/XX/XXXX but the account was provided a bill for XX/XX/XXXX with a charge off of {$2100.00}. I never got a validation notice or have they provided me a copy of that as well. This debt is obviously expired and have since XX/XX/XXXX sent a cease notice in which they have ignored and continue to send me things. 

Portfolio {$1500.00} This account has been disputed since XX/XX/XXXX. They keep sending me the same automated response with no information providing me if in fact they owe the right to collect this debt, no documentation from the original creditor stating they sold it to Portfolio. The bill they sent me was Bill due date XX/XX/XXXX ( XXXX ) {$1100.00} Where are the bills for dates of XXXX? Where is the Final bill showing the Charge off? Why does the bills jump to Bill Due Date XX/XX/XXXX ( XXXX ) {$1400.00} Bill Due Date XX/XX/XXXX ( XXXX ) {$1500.00} How does a balance {$1100.00} on XX/XX/XXXX go to {$1500.00} on XX/XX/XXXX. Date opened they stated is XX/XX/XXXX but I never got a validation notice or have they provided me a copy of that as well. This debt is obviously expired and have since XX/XX/XXXX sent a cease notice in which they have ignored and continue to send me things. 

This debt is not mine and does not belong to me
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) an on XXXX it's ( XX/XX/XXXX ) on Experian its XX/XX/XXXX If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 

Account name : XXXX XXXX Account number : XXXX
Product: Debt collection

I have been receiving these types of letters since last of XX/XX/XXXX. I have spoken to a XXXX of representatives on your end in regards to this. The XXXX of times that I have called all representatives were unable to provide detail information as to why there is a " charge-off balance '' from XXXX? I am and have been a current provider with XXXX and can not be provided with an explanation as to why? I do not want this inaccurate information to be effecting my credit for something that is not irrelevant and or current when XXXX is my provider and have never had a problem with my bill and it being paid on time every month. 

My thoughts, concerns and question is WHY after 4 years ( charge off last payment XX/XX/XXXX which is nto true I can show I pay my monthly bill ) was this being brought to my attention in XX/XX/XXXX? Why ca n't anyone from MCM tell me XXXX who is and has been my provider sent this off? 

If MCM and nobody in the business end can provide me with any of the following information to explain to me who, what, when, and why this has happened, I wish MCM make no more contact or communication with me and wish to please be forgiven of the mysterious " charge-off '' I owe in the amount of {$190.00}. I have done all that I can do by receiving these letters, following up with MCM and I get the same run around with no answers to my questions and especially this debt going on for 4 years is now unacceptable with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint about the same issue. When I originally reviewed my report, I found 9 inquiries that I did not recognized and by the time I was able to file the complaint, it increased to 24. Today I found 32 total inquiries that were not done by me on my report. I have no knowledge of them at all. This has got to stop!!! This is affecting my credit score drastically. My original complaint has already been closed by Equifax and none, I mean not one of my issues were addressed at all. I am a living human being, I have right under 15 U S C 1681. The three credit bureaus are governed by this code but yet they are not abiding by it. They have violated my rights numerous times and the CFPB is letting them get away with it. I demand the accounts listed below, be removed from my credit report. According to 15 U S C 1681, I have the right to privacy and I did not give Equifax, XXXX nor XXXX, written permission to furnish these accounts. 

EQUIFAX 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
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Capital One regarding significant inconsistencies and inaccuracies in the reporting of an account on my credit reports. Despite my repeated attempts to rectify these errors with both the credit bureaus and Capital One, the discrepancies persist. The account details, as reported by XXXX, XXXX, and XXXX, exhibit discrepancies and incomplete information that remain unresolved. The account in question is outlined below : - Both XXXX and XXXX report this account was " paid as agreed, '' whereas XXXX states it as Current account/was delinquent XXXX days past due date. 
- XXXX and XXXX indicate the worst delinquency as XXXX days past due, whereas XXXX states it as XXXX  days delinquent. 
- XXXX reports the date closed as XX/XX/2023, XXXX as XX/XX/2023, and XXXX does not provide a date closed. 
- There are inconsistencies in the payment history, with several months showing no data. 

Attached is a copy of the account details from my credit reports, illustrating these inconsistencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous disputes the credit reporting agency just investigated what was in their best interest, instead of what the consumer could prove, and they couldn't. On 15 separate occasions I have requested the name and address of the third party entity who provided the information to verify the listing of public record bankruptcies listed on my credit report, case no. XXXX, and XXXX, but in return never answered, instead just respond they investigated it and verified it, without answering the direct questions. In response to this scheme of the credit reporting agencies they added names that weren't mine, in order to support their reporting, while still not answering the questions asked. In furtherance of verifying that the items weren't mine, I contacted XXXX XXXX public records reporting agency, and they provided a letter verifying that the listed items weren't mine, but still ignored by Experian, just the typical response refusal of investigation based upon previous investigations, while still not willing to provide the name and address of the verifying agency, which they still refuse to provide whats authorized by law, the name and address of whom they said verified the existence of public records, but still refused or not provided. 

On XX/XX/18, in report no XXXX, the credit reporting agency, Experian finally did the lawful thing and removed all names that weren't mine, and in that performance, should have been obligated to remove all accounts associated with the names that weren't mine, but they didn't. In an explanation from XXXX XXXX, the name, and last four of the subjects social security number is placed within a computerized program for verification, and since all names that weren't mine, were removed, the accounts that associate with those inaccurate names should be removed as well. In complaint the credit reporting agency is violating the law by not providing the third party entity, the process of verification of such reporting doesn't adhere to the standards of the accurate credit reporting standards, in that last four, and last name isn't a true reflection of verification, and that in response to an inquiry with the us bankruptcy court, no record exist when considering the full social security number and my verified name.
Product: Debt collection

Capital One credit card statement XX/XX/XXXX paid and closed. I have never received a XXXX from the creditor for this account. Contacted creditor for a XXXX XX/XX/XXXX have not received XXXX up to this date. 


XXXX XXXX XXXX XXXX Account opened on XXXX XXXX. I was contacted on XXXX XXXX. I requested a detailed letter of dept validation under 15 USC1692g. However more than 30 days have passed, and I have not received a response to this request. 


XXXX XXXX reported XX/XX/XXXX Assigned XX/XX/XXXX XXXX XXXX. I have never received any letters or calls from this collection agency in notification of this dept. 

XXXX XXXX opened XX/XX/XXXX XXXX XXXX  XX/XX/XXXX. This account was closed and a refunded funds from this creditor that was owed to me. I have never received a XXXX from this creditor. I have questions as to why this is showing negative on my credit report.