23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This concerns Mr. Cooper Mortgage XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. 

I have paid my paid my XX/XX/2022 mortgage 3 times on the following dates : XX/XX/2022 ( online payment of {$690.00} conf # XXXX ) XX/XX/2022 ( unauthorized debit from XXXX Bank for {$690.00}, which the bank returned ) XX/XX/2022 ( customer service rep made withdrawal for {$690.00} conf # XXXX ) I paid XXXX 's mortgage on XX/XX/2022, conf # : XXXX. At that time, customer rep, XXXX, informed me that XXXX 's mortgage, which should be {$690.00}, was NOW {$740.00}! 

This included a {$19.00} charge for payment over the phone. She waived this additional charge. However, I was also charged {$30.00} for insufficient funds on a check that I never wrote! I have NEVER paid by check in the five years I have been doing business with this company. 

Additionally, I sent a check in XXXX to apply to my XXXX mortgage in the amount of {$200.00} along with a letter explaining how to apply this amount to my XXXX mortgage. I received this check as a XXXX from the XXXX XXXX to reduce my XXXX mortgage to {$490.00}. Instead of reducing my XXXX mortgage, I was charged 3 times. I am XXXX XXXX XXXX and living on a fixed income. Unbelievable!
Product: Credit reporting, credit repair services, or other personal consumer reports

Was falsely informed by Credit Karma of excellent chances of being approved for various credit cards. This has caused numerous credit inquiries on my credit reports and a large decrease in my credit scores.
Product: Mortgage

This is a follow up on the complaint recently closed regarding Cross Country Mortgage. There is no resolve. Cross Country did not notify me of the funds being mis-applied. The representatives, when I called, reported the " mistake '' will be fixed and the money applied to the mortgage payments.. I never received a letter/call stating, that I needed to pay the mortgage as a result of mis-applied funds nor did the customer service representative inform me of such. Now I owe thousands of dollars and my credit rating has decrease tremendously, no fault of my own. Cross Country should bring my mortgage current, I should not have the tribulation of applying for modification ( just assuming they will try that explanation ) By law they were to notify me in writing of any changes. The only communication I received was notes to go to financial counseling and threats of foreclosure. ",,, We pride ourselves on customer service '' ... XXXXthey wrote. So please pride yourself in doing what is fair and equitable,
Product: Mortgage

y husband and I signed the refinance closing disclosures with Interactive mortgage on XX/XX/XXXX for $ XXXX yr. It was a no fees no cost loan. We also wrote a check of {$130.00} to cover the difference between the payoff amount and the new loan. The loan did not fund until XX/XX/XXXX. So, in the mean time I paid my monthly mortgage of {$2300.00}. On XX/XX/XXXX, XXXX XXXX, the loan processor, called me to esign a new closing disclosure that {$250.00} was going to me. Well, I received by XXXX the new closing disclosures and a check of {$2000.00}. The new closing disclosures had a charge called principal reduction of {$250.00}. I should get a check of {$2300.00} from Interactive mortgage since I paid my loan between XXXX and funding. 

I contacted XXXX XXXX by email and phone several times to resolve this issues. She said the {$250.00} is deducted from the first mortgage statement. I told her that did not make sense since the new lender sent email saying my first payment is what its supposed to be. I even contacted XXXX XXXX, the loan officer, and he said its not his department and referred me to the manager saying he will contact me. I have not heard anything from the manger since nor from XXXX XXXX about this issue. 

Bottom line is there is a discrepancy in the new loan disclosures. What I put into this loan is not what I getting back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice that my credit score dropped 147 points. XXXX and Transunion are reporting accounts incorrectly. I have sent a letter along with a police report to both and they are still showing wrong information. 
XXXX  is showing incorrect balance on my chase act ending in XXXX. 
XXXX is showing XXXX XXXX which is not my act and is being investigated as fraud and should have been closed. 

Transunion is showing XXXX XXXX closed with balance of {$4400.00} and this act is also not mine and being investigated as fraud. The act was closed in XXXX of 2018 and XXXX XXXX informed me that NO payments should be made on the act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the XXXX with tracking number XXXX XXXX, asking do they report bankruptcies to the credit bureaus, and I received a letter stating that they do not report any bankruptcies to anybody. So, if thats the case, how did the credit buraus verify my bankruptcy as XXXX XXXX accurate. They never did a fair investigation according to the XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) ( XXXX ) states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to 15 U.S.C. 1681 section 602 A, states I have the right to privacy. 

According to 15 U.S.C. 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. 

According to 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

* 15 USC 1681e ( b ) : Failure to maintain the accuracy of my credit report.

* 15 USC 1681s-2 : Negligence in ensuring the furnishers of information comply with their obligations.

* 15 USC 1681i ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information.

* 15 USC 1681c ( c ) : Inclusion of obsolete information in my credit report. 

I have sent multiple dispute letters to XXXX, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided. 
To make matters worse, I have learned abour 'e recent CFPB lawsuit against XXXX ( " CFPB Sues XXXX for Sham Investigations of Creait Report Errors '' ), which highlights neglected efforts in your company affairs. 

have sent multiple dispute letters to XXXX, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided. 

I want these accounts removed XXXX XXXX XXXX ACCOUNT HAS INCORRECT IMFORMATION XXXX  = {$520.00} Experian = {$510.00} Equifax = {$520.00} This credit line is suspended And I didnt apply for this line of credit. 



XXXX XXXX Past Due : {$740.00} {$700.00} {$740.00} Incorrect reporting Comments : Charged off as bad debt Canceled by XXXX  XXXX chargers off but I never received a 1099-C Also this account doesnt belong to me. 

XXXX XXXX This account doesnt belong to me XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX This account doesnt belong to me XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX this account doesnt belong to me XXXX XXXX Doesnt belong to me
Product: Debt collection

I recently pulled my credit reports and found a collection account with Convergent with a balance of {$400.00}. I am not responsible for this debt. I have n't signed a contract with this company and I have no record of any such debt prior to receiving my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) due to inadequate customer care service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I received a letter from a law firm offering assistance for my home and it mentioned that my house is up for tax sale. I was not aware of this, at all. I pay my property taxes through my mortgage payment/ escrow account and have not missed any of my payments. I was not notified by my lender that my taxes were delinquent in any way. I contacted my lender, Rushmore Loan Management, on XXXX  XX/XX/XXXX and notified them about the issue. The person I spoke with confirmed that Rushmore had not made any tax payments on my behalf and I was told to give them 3 business days to have a resolution. I called on the 3rd business day, XXXX  XX/XX/XXXX, for an update and I was told that nothing had been updated on my account and that I should call on Monday. I called today ( XX/XX/XXXX ) and I am again being given the run around about what is going on. I'm being told that an investigation needs to happen and that I won't be able to get an update until XX/XX/XXXX - which is the date of my tax sale. I am completely stressed out about this. I don't know what needs to be investigated. The lender, while on the phone with me last week, looked up my account on my county 's website and saw the balance and that Rushmore had not made any payments. I am worried about losing my home. I do not have the XXXX XXXX balance that is owed and Rushmore keeps stalling with giving me any real information about what is going on. I have repeatedly asked to speak to someone who could give me details on how this situation is going to be resolved and I get put on hold for minutes at a time just to be told that no supervisor is available. This is infuriating and I would like to know what resources I have in getting the balance paid. Rushmore Loan Management has been taking my tax payments ( escrow ) and doing what with my money??? UPDATE : I finally was able to speak with a supervisor named XXXX just now. He initially said my disbursement would be sent on XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX  ) but he then said that he would work to escalate the issue and that he will update me on XX/XX/XXXX ( a week away, smh ). I'm filing this complaint now because I don't trust what I was told and I want to have my bases covered in case I get the runaround with this again next week.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX bankruptcy filed on XX/XX/year>, should have been removed from my credit file for all 3 credit bureaus because it has been over 7 years. The inaccurate information is still being displayed on the credit file.
Product: Checking or savings account

Closed account and transferred funds to new account because security breach, told I hit XXXX XXXX dollar rewards over call. 
Hit XXXX on lottery ticket and available balance was less than what banker told me at time of close and transfer. Transfer required manager over ride she admitted her fault. 
Account went in negative balance then paid off by XXXX credit account Bank lied to me about how account was paid in person on phone was told it was paid by credit account in my name Bank in person multiple locations refused to help me found out consumer account under my identity.

Information changed internally bank admitted account seemed to be identity theft and told to call. 
Was hung up on Was given XXXX in XXXX didn't know what it was had it stolen XXXX refused to respond to call over phone at gas station telling me it's not an emergency No access and bank tried to purge account from XXXX  for address verification reasons.

Banker assisted me and colleague on phone told him not to help me because I was being charged with heinous crimes being very detailed and discriminative, accusations not true and banker refused to put phone on speaker. Loud enough to hear other worker
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting false or fraudulent information on my credit report. There is an inquiry on my report from XXXX XXXX which occurred on XXXX. I have no knowledge of this company nor have I authorized or signed any contracts. I have sent dispute letters to Transunion, and results have came back in the decision not to remove an inquiry with no proof provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act XXXX  account # has violated my rights.

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

15U.S.C 1681 section 604 A section 2 it also States a consumer reporting agency can not furnish a account without my written instructions. 








In accordance with The Fair credit reporting act XXXX  account # XXXX XXXX XXXX has violated my rights.

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

15U.S.C 1681 section 604A section 2 it also States a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Starting XX/XX/XXXX, my account has been having fraud issues. Funds were drawn out of my saving account with descriptions like : - XXXX  XXXX XXXX XXXX : TRANSFER ID : XXXX XXXX  : XXXX XXXX XXXX XXXX  ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : TRANSFER XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX  I had no idea who these recipient are. The recipients drew amount from XXXX to XXXX from my account every couple days. 

In total XXXX USD were drawn without any notice to me. I only found out that my account was having insufficient fund on XX/XX/XXXX. 

I filed a fraud claim to my bank XXXX Bank of America ) on XX/XX/XXXX. However, the bank only refunded me a partial amount. The remaining XXXX USD were rejected with a reason 'The date of your dispute with the merchant ( s ) fell outside the dispute timeframes we follow. ' However, the dispute before and after. these transactions were refunded. So the above reason was not valid.
Product: Mortgage

Quality loan service corp has unlawfully foreclosed on our property today XX/XX/2019. There was a recorded message on their automated system phone number XXXX ( attached ) dated XX/XX/2019 XXXX XXXX & XX/XX/2019 XXXX XXXX with trustee # XXXX that reflected a sale date of XX/XX/2019, we relied on these recorded messages as a time frame in avoiding foreclosure with XXXX XXXX and planned to take whatever steps neecessary to avoid foreclosure according to the XX/XX/2019 sale date. Instead they have foreclosed today XX/XX/2019 giving us false information over thier automated system and not allowing us to take the necessary steps nor time to avoid foreclosure. We request that quality loan accept thier error and rescind the foreclosure sale immediately and allow us the proper opportunities needed to take as a consumer by law in order to avoid foreclosure. We request transparency in thier recorded messages as we called today XX/XX/2019 and they deny having ever recording such messages reflecting XX/XX/2019 as a sale date and state they have no record of it. They claim they will look into thier IT department to look for the recorded messages and we are now relying on thier honesty and utmost due diligence in correcting this unlawful foreclosure sale immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX Reported : XX/XX/2023 XXXX XXXX  Account Number : XXXX Reported Date : XX/XX/2023
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I did a refinace on my home and paid off my Personal Credit Line with Huntington Bank. On XX/XX/XXXX I was contacted by phone by my title company who informed there was still a balance owed and it was going to jeopardize the status of my refinance. Upon review of the account here is what I found : On XX/XX/XXXX my account had a XXXX  balance but on XX/XX/XXXX an additional charge of {$190.00} was assessed. When I called Huntington I was advised by a representative of the bank that the fee was assessed in error and that they would have it waived. I advised them this was impacting my refi and he stated he would have it expedited. 
On XX/XX/XXXX I received not one but two letters from Huntington with a demand for payment due by XX/XX/XXXX or I would incur additional interest. At this time I followed up with them only to be advised that I had been misinformed by the previous rep and that because there had been a draw on my account of {$400.00} that I owed {$190.00} in additional charges despite having paid the account balance to XXXX and that the amount would not be waived as I had been informed.
Product: Bank account or service

I have tried to open a regular bank account with chase bank 2 times and got denied, only can open a CHASE LIQUID which is a debit card account. I have nothing in XXXX I got a report from the company that showed nothing. And when I opened a account with them they told me after 6 months they let me have a regular account. Problem is when credit people check your Bank account they say no to you because it not a regular account., There is no reason they should n't let me open a checking account. I been there over a year now. And I receive a regular deposit every month from my XXXX. So they have been unfair with this matter to open a regular account.
Product: Credit reporting

In XX/XX/XXXX I notice a Bankruptcy # XXXX that showed up that I know for a fact does not belong to me. I notified Equifax and they claimed it was verified. This can not be true because I called the court and the had no idea what I was talking about. They had no file on me and said Equifax never notified them or verified anything about me. I want this off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my account was properly investigated, but how is that possible if the open dates are different, the balances are different on each bureau, one shows closed, other open, and the dates are different, it recently reopen a loan from 2 years ago and more violations. This ground for removal they also violated my rights under : 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.

Also neither the bureaus or the company on dispute marked my account " under dispute '' as per FCRA 623 ( a ) ( 3 ) Account disputed : XXXX XXXX Other issues : Violations in my credit report. 

All violations have been circled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Kindly correct this immediately. 
( Original Creditor : ) XXXX Balance : {$90.00} ( Original Creditor : ) XXXX Balance : {$90.00} ( Original Creditor : ) XXXX Balance : {$8500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name XXXX XXXX XXXX please remove any other name. My SS XXXX my DOB is XXXX XXXX. The following addresses are not mines please remove/delete : XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX , OH XXXX
Product: Credit reporting or other personal consumer reports

Inquiry date XX/XX/year> comentiycapital/XXXX XXXX XXXX The results were that inquires are a factual record of file access and will remain on the XXXX  credit file two years from the file date.