23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage, which was initially through XXXX XXXX  XXXX, has been in an approved Covid forbearance for several months, and we had agreed to a partial claim on the property allowing us to tack the past amount owed onto the end of the loan, in plans of resuming our regular monthly payments starting in XX/XX/2021. This was all documented and approved by XXXX XXXX. However, beginning on XX/XX/2021, the loan was transferred to BSI financial services without our knowledge. When I attempted to call XXXX XXXX  to make my payment, I was informed that our balance was XXXX and I would need to contact BSI. In doing so, BSI informed me that they were unable to take a payment from me at that time and that I would need to wait until all documentation was received by them before we could move forward with payments. They also requested a self authorization letter from us to allow them to speak to me regarding the account, which was sent to them via email. Since then, we have been informed that they have no knowledge of the forbearance or partial claim which was approved by XXXX XXXX  XXXX. We have also received a certified letter stating that we are in default to BSI for the amount of almost {$17000.00}. I have a maid multiple phone calls per week over the course of this month to both companies trying to correct this error. XXXX XXXX  has assured me all of the documentation has been sent and everything was approved prior to the transfer. BSI insists they do not have any documentation entailing these arrangements. We are now in danger of foreclosure on our property if we do not correct this matter. I have left several messages with my point of contact at BSI, with no return phone call. XXXX XXXX loss mitigation department has even attempted to contact them on my behalf multiple times. I am at a loss of how to correct this matter and avoid foreclosure activity on our property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report. Please don't ignore my request to correct the following : 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 XXXXXXXX
Product: Mortgage

Filed an insurance claim and a $ XXXX check made out to myself and NewRez was sent to NewRez on XX/XX/year> by XXXX. Check and paperwork were confirmed received but they said they would need to perform an inspection of the repairs. Inspection was done on XX/XX/year> and final was sent to NewRez showing everything was done. Contractor has long been paid from money out of my savings account however I still have not got my money from NewRez.
Product: Debt collection

Debt found on credit report. Do not know where its from or what it is. Didnt receive information of debt
Product: Mortgage

On XXXX/XXXX/16 I paid my mortgage payment to BSI Financial Services through their web portal. on XXXX/XXXX/16 I called BSI ( spoke to XXXX ) because I noticed the payment was never debited from my checking account. They told me the payment was returned for insufficient funds because my checking account was closed. I informed them that my account was not closed, but agreed to call my bank. My bank confirmed that my account was still open, in good standing and BSI Financial had not attempted to debit my account. I then called BSI again and after being disconnected twice was finally able to speak to an agent named XXXX. I explained to him that BSI had never attempted to debit my account and he said it could have been an error on BSI 's part. He agree to process my mortgage payment over the phone and waive the usual {$20.00} fee. I asked if he would also waive the late fee since the error was not mine and I did attempt to make the mortgage payment on XXXX/XXXX/16. He instructed me to call back and request that the late fee be waived after my payment was processed and debited from my checking account. On XXXX XXXX, 2016 I received a letter in the mail from BSI Financial informing me that I owed a {$25.00} Non Sufficient Fund fee. Today, XXXX XXXX, 2016 I called BSI ( spoke to XXXX ) to ask them to waive the late payment fee and the {$25.00} NSF fee and was told by agent XXXX that she was not authorized to speak to me because of an active bankruptcy. I AM NOT IN AN ACTIVE BANKRUPTCY. She informed me that I would have to fax a letter of authorization giving BSI Financial permission to speak to me, which I did today. Also, please note that I have spoken to BSI Financial agents on seven other occasions since XXXX XXXX, 2016 and have never been asked to provide an authorization.
Product: Mortgage

My name is XXXX XXXX and I work for XXXX XXXX XXXX. My clients XXXX and XXXX XXXX have been working with XXXX to complete a Modification on their home .... XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The loan was sold to XXXX, XXXX and they retained my services to do a short sale. I placed the home on the market for over asking price per comps and it sold in a week for full price of {$400000.00}. The buyer is putting down $ XXXX and has a solid loan. I called XXXX to confirm a short sale approval and they advised they could not short sale the home, they said the sale date is XXXX and the only way to get the sale date postponed would be to have the XXXX XXXX XXXX XXXX approve it. XXXX said that is wrong and the owner of the loan has to approve the postponement and the short sale. Now XXXX is telling me I need to talk to the owner of the loan and XXXX XXXX XXXX is telling me they sold it to XXXX. I have a full copy of all paperwork regarding what I am trying to do. I specialize in Short sales and this seems to be a huge run around. XXXX myself and the owners are getting no where and the time is counting down to the Forclosure sale date on this property. PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Individual : Bankruptcy ( Discharged CH-XXXX ) ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported. I made efforts to remove this account from my file as it does not belong to me. This account was fraudulently opened and reporting through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

In good faith, I have been attempting to correct my consumer report. I have tried on several occasions to address the incorrect reporting on my consumer report with TransUnion. TransUnion has validated the following accounts on my consumer report as accurate, TransUnion has failed to prove that these accounts are accurate and verifiable, as these same accounts all show inaccuracies across all XXXX credit reporting agencies. 

The inaccurate and unverifiable accounts are as follows : XXXX F : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX XXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX of XXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX  : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX  XXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX : XXXX [ Never provided proof of verification ] XXXX XXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX XXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] According to this law below, inaccurate or unverifiable information should be deleted from my consumer report : 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

company- XXXX ; Reporting incorrect information on Experian Credit Report. 
Account says is a collection. 

company- Experian XXXX Reporting incorrect information on credit reportin. 
Account says- its a collection
Product: Mortgage

FLAGSTAR BANK sent a loan modification agreement in XXXX XXXX, which I have been making payments on consistently since XXXX. They sent the documents with the wronf name and I could not sign them. I have been calling every week since XXXX and have spent countless hours on hold and talking to them. I was assured time and again that I would receive revised documents in the correct name. They have had proof of my name change since XXXX XXXX  XXXX. XX/XX/XXXX, I received a new loan modification agreement in the wrong name and a higher payment by {$200.00}. I was then told after calling 4 times, that i would get corrected documents with the original modification terms. On XX/XX/XXXX, I received documents in the correct name, but the higher payment. They told me that FHA won't accept the original loan modification because it expired. It is Flagstar 's fault that it expired, and I was assured that so long as I made payments according to the agreement, I had nothing to worry about. FlagstaXXXX has given me 10 days to sign these new documents. Also, I was told by abother department that the balance listed on my partial claim agreement is higher than what is actually owed. I am now requesting an accounting of my loan and payments.I contacted FHA, and they have no record of stating they will not accept the prior agreement.
Product: Credit reporting

I called the credit bureau to let them know the correct information. This XXXX bill was resolved. I had spoken to a manager in corporate about my account after writing the XXXX on XX/XX/XXXX. The account was moved to a different company and it was agreed that I was to send the equipment back and I had no bill. It was paid in full and the equipment returned. I did not receive service for XXXX months ( XXXX ). I could not receive a phone call or messages. I had gone into the store on several occasions. I received a letter in XX/XX/XXXX from the collection agency XXXX. I sent them a letter of dispute within thirty days and all the documentation I had. This item was removed from all bureaus after sending the information. It appeared on all XXXX credit bureaus again from a different collection agency. I disputed the charges and the item was removed. I also filed a fraud police report. Just recently the item has appeared again from a different collection agency. I called XXXX XXXX several occasions to resolve this issue. I have spoken to XXXX representatives in different departments within XXXX hours. All representatives said something different transferred me to different departments and gave me several different numbers. Each representative left me on hold for a minimum of XXXX minutes plus. I have recorded some of these conversations. I was told I do n't owe anything and then I was told I do. I have yet to find out what for. They saw the documentation from the conversations with the manager and the several times I had to take my phone in the store for repairs. I went into the store to resolve and I could not resolve. I could not even receive a phone call from the tech department when I had phone issues with them. I paid for services I used and could get. They were changing and working on towers. This should not reflect me in anyway or my use of cellular serivce. My rights were violated when I disputed the last notification on my credit report with XXXX bureaus.The letter was received and I did not receive any proof that these charges were mine. It was instantly reported to XXXX bureaus. I would like this removed off my credit report and for it to be completely resolved. Enclosed you will find any remaining documents I have. The others were mailed to the first collection agency.This was completely resolved. 
Sincerely, XXXX XXXX
Product: Credit reporting 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 Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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.
Product: Credit reporting or other personal consumer reports

XXXX reported a 30 day on all XXXX credit bureaus violation of 15 USC 1668B in the month of XX/XX/year> which I was never late and Now its move to XXXX that inwas late which the representative at XXXX on XXXX XXXXXXXX XXXX XXXXXXXX tn clearly showed inwas 30days late in XXXX. XXXX has reported to all XXXX bureaus that my payment is also XXXX in the month of XXXX and my payment isn't due yet for XXXX reporting erroneous payment dates before due or payment date. I was never late and disputed this multiple times but no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my credit report I found an account that is reporting incorrectly. I have disputed this account to have it removed. This account was not removed and is still not accurate. This account was part of my husband 's bankrupt that was filed in XXXX. The account was paid in full in XXXX of XXXX. This account needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX report # XXXX for XX/XX/18 and XXXX XXXX file number XXXX for XX/XX/18 and equifax XXXX for XX/XX/18 i request the bureaus to remove all of my old addresses they did not and as required by the fcra to provide me with the method of verification they did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to an apartment complex on or about XX/XX/XXXX and this complex utilizes TransUnion rental screening. I was told that I was denied because my score did not meet their requirements. I was told that the score that was being given to them was at least 40 points different from what I received when I pulled my credit report from XXXX XXXX. I was given a number to call so I could be given the next steps to verify the information on file was correct. I was told I needed to put it in writing what I am requesting and also submit a copy of my photo ID. My first initial request was XX/XX/XXXX and since that time I have been given the run around about why I have not received my report. I have been told that they did not receive the letter or the ID to they are working on my request to they have up to 30 days to provide me with what is contained in my report rental or otherwise. I continue to receive letters under the guise it is my consumer report stating that I need to submit a copy of my ID as well as a written statement of what I am requesting. I just want a copy of what was provided to this apartment complex because I know it is erroneous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a formal complaint with the CFPB in regards to XXXX XXXX The complaint was made on or about XX/XX/2021. My request was to have my mortgage properly reported to the credit bureaus. XXXX contacted me the next day stating that they complaint would be reviewed. I provided XXXX with the documentation requested to get the credit report corrected. Then sent the information on the payments to the credit bureaus based on the recommendation of XXXX XXXX. A letter was mailed with the document requested to reaffirm the loan and the bank claimed that they did not obtain the document by mail. The steps after that I contacted XXXX and submitted the reaffirmation via electronic upload. This was done three times and was advised that the documents were received but every time the bank was contacted a representative gave information that conflicted and has not been resolved. I have contacted the Bank over 7 times by phone and submitted 2 uploads to the secure message and sent four messages back. The bank is aware that I want to get my credit properly reported on the credit reports. The request has been delayed either on purpose or to unlawfully harm me as the actions have hurt my credit report. I am seeking that my credit report be corrected immediately. XXXX does not want to update my loan as they are keeping me hostage with a lower credit score. I was advised that the reporting of the loan with a reaffirmation would resolve the matter and raise my score and allow me to qualify for lower rates. In the last month the interest rates have increased and the bank continues to not correct the issue. The bank is using their power to abuse the system and fraudulently not report my payment history.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. I have contacted Equifax a number of times concerning this issue and have failed to get it resolved, I am concerned about the accuracy of the information being reported. And a number of violations under the Fair Credit Act against my credit profile. MY INFORMATION WAS EXPOSE IN THE EQUIFAX DATA BREACH, And I believe that EQUIFAX has made errors in reporting inaccurate accounts on my profile and In accordance with the fair credit Reporting act EQUIFAX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

15 USC 1681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to persons of information reported about persons to third parties. 
15 USC 1681s-2 15 USC 1681i ( 5 ) 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.. I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). ''
Product: Student loan

XXXX XXXX - XXXX/Ascendium received notice that their alleged debt was disputed. 

XXXX or XX/XX/XXXX XXXX/Ascendiums false claims were removed from credit reporting agencies & XXXX  ceased collection attempts. 

-XXXX. XXXX XXXX claimed to have acquired the alleged debt from XXXXAscendium XXXX 

-XXXX. XXXX XXXX received notice through CFPB, of the multiple criminal & civil violations being committed me. 

XXXX XXXXXXXX XXXX/Ascendium sent me a Legal Notice in regards to XXXX student loan claim in my past bankruptcy case stating [ in part ] : You are receiving this mailing to let you know about recent activity involving an attachment to a proof of claim Ascendium Education Solutions , Inc. filed in your bankruptcy case ... Ascendium filed a proof of claim in your bankruptcy case related to your student loans ... [ it ] had an attachment on which personally identifiable information... had been redacted... Ascendium later learned that, although the redacted information was not visible on the face of the attachments, it could be manipulated in such a way that it could be uncovered and viewed ... Ascendium is unaware of such manipulation or access involving your dataYou dont need to take any action... 

-XXXX. XXXX XXXX/Ascendium has sent me an email which appears to be a resumption of collection attempt on the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018, a collection was placed on my account by Transworld System for an unpaid XXXX bill that I had never received from the original creditor. I informed the collection agency that I was not initially informed by the original creditor and had already paid the original creditor directly. I reached out to XXXX to explain the situation and have the collection account removed from my XXXX credit report.
Product: Credit card

I was in and out of town for a XXXX  due to my XXXX XXXX XXXX  XXXX  and my kids were with me. Then I was out of the country for XXXX  days. My email and phone were hacked and took time to get them back but didn't notice anything bc I was stressed and not paying attention to email. Someone used my card to have over XXXX shipped to my house but also picked it up. I would never know. We generally are not home a lot, especially during this time and I work a lot. Other people told me this is the latest thing. You can look at my credit history and see I have never spent that much money in a couple weeks on what looked fluke clothes. I don't spend that in a year. I have XXXX kids I'm helping through college. Been doing it alone and now more than ever, plus XXXX XXXX. I can not afford to pay for something I didn't do. It's been a XXXX enough year now this. Please help. I already had life lock so I thought they would alert me. I thought life lock was enough.