23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

1. Offer received with a Pre Approval letter. Outstanding Conditions Escrow, Appraisal, Purchase Agreement. Documents reviewed and verified : Income, Credit , Employment & Assets Verified.

Timeline : Contract signed XX/XX/XXXX, Final Loan Approval XX/XX/XXXX, Close date XX/XX/XXXX XX/XX/XXXX Lender required adding wife to the purchase with no explanation. Florida is a homestead state. We did not know there was a wife.Wife was added XX/XX/XXXX by addendum. Seller 's already signed their closing documents. XX/XX/XXXX Buyer 's Agent requested a closing extension with no explanation. He reports there is a XXXXaud Protection on the buyer and the IRS documents are on their way. Still no loan approval provided. Loan App due XXXX. When we pressured for more information buyers agent sent a lender document detailing the following Credit Score dated XX/XX/XXXX Score XXXX to XXXX, 39 Serious Delinquency, 14 Length of time accounts have been established,18 number of accounts with delinquency, 08 too man inquiries last 12 months. They knew there were issues and still provided a pre approval letter. Seller then requested a loan commitment. Commitment sent without any loan terms or signature from the lender. Wife included with new additional terms and conditions 1.Tax Transcripts from IRS ( mailed directly to buyer ) 2. Spouse on title only. XXXX Received a signed commitment with the lenders signature that doesn't appear to match pre approval letter. No signatures from borrowers. How can you issue a commitment with serious items dating back to XXXX. Why are they just now asking for tax returns three days before closing? They would not explain or clarify. They then sent a 30 day extension request. Seller requests a portion of the escrow be non refundable. Seller did not sign either of the extensions without a better understanding. I sent requests for clarification to both the buyers agent and the lender trying to understand the true nature of the deceit. XX/XX/XXXX Lender sends Notice Of Action with new conditions Insufficient funds.Unable to get IRS transcripts. Agent sends a release and cancellation and wife is now on it. She was to be on title only!
Product: Credit reporting or other personal consumer reports

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent You [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] replied that the alleged transaction you furnished as late was { accurate/ verified } choose the response they used } ] but my previous dispute did not ask you for accuracy or validation. 
On { XX/XX/XXXX } you furnished to { XXXX, Transunion, } put the CRA that is reporting the late payment } an alleged transaction as Late. 
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I requested the information that must have or possess by law in order for you to furnish a payment as late. 
This is being request pursuant rule 1002. 
In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 1666b must be met. 
You failed to provide the required requested information, you failed to proceed in accordance with the requires for a creditor to treat a payment as late. 
It has been over 30 days and you have not properly verify the information. 
Id. at XXXX ; see also XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 
Importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
XXXX, XXXX XXXX at XXXX. So, for example, if a furnisher is unable to verify that a consumer missed a payment, then it may be appropriate for the furnisher to delete any mentions of the missed payment while continuing to report other information about the account. 
Delete the information you are furnishing to the Consumer Reporting Agencies as late from account : [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have attempted to access my Experian online account and the website gives an error : " Oops, we're sorry! Experian is committed to protecting your personal information. '' " Call us toll-free at XXXX. '' As such, I can not manage my Experian account, credit freezes, or request reports online. 

Calling the number to resolve this issue has yielded no results, as well as calling several other customer service numbers. The automated machine continues to go in circles, refusing to allow me to speak with a representative no matter the options I select and repeatedly asking for " Manager '' or " Representative ''.

This has been an ongoing issue since at least 2022. Last year, I was able speak to a representative and submit some verification documents online, however, this has not rectified the situation. At this point, I am fed up with Experian 's clear disregard for consumers. I recently had a similar account log-in issue with XXXX and this was cleared up within XXXX minutes of speaking with a representative via their posted customer service number.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$870.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent accounts on my credit report. Please remove these account from my credit report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

My account with the XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Debt collection

National Enterprise Systems has repeatedly called me from a blocked number. I have answered and informed them they are violating federal law by calling from a blocked number and to call me from an unblocked number if they wish to speak with me. They have continued to call me from a number showing up as XXXX  on my phone. They have also called me repeatedly throughout the day to the point in which some may describe as excessive.
Product: Mortgage

I have been ill. I was let go in XXXX of XXXX XXXX.Lakeview Loan Servicing promises to help in hard times so I tried to take them up on their program for unemployment deferment. They wanted 2 years pay stubs. I only had partial records all of XXXX. I contacted CFPB once before. They called me and said I just need to sent the pay stubs. I sent everything I had. I may have forgotten the bank statements. I just got the letter today from Lakeview saying untimely and incomplete and denied my unemployment deferment. I am afraid to miss a payment but I can't keep paying this. I need a break and a chance to catch up, get well and get some contract work. 

I have been XXXX  and my XXXX are acting up, XXXX XXXX   and also I am XXXX XXXX XXXX. They did not approve my deferment. I have been paying the mortgage out of my Social Security Disability XXXX XXXX, unemployment insurance and savings from my 2 years of work at the XXXX. The savings is for my wife 's XXXX. 
It's all been a nightmare. The job was too hard 24/7 on call  XXXX. Too many hours. Good money though. 

We ended up in a home with a {$2000.00} house payment. XXXX XXXX XXXX, the loan officer, XXXX XXXX, said it would be {$1400.00}. When we got done there was a Conventional 1st, an HFA 2nd and a zip loan even though we had the 3 percent down and a {$2000.00} payment. 

My wife needs both XXXX XXXX. We had a 60 day notice at our rental. We have a bully breed dog and I had to try to buy the house or go homeless. 

We love the home and want to keep it. But I feel Lakeview LLC, the loan servicer and XXXX XXXX XXXX could have done better.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive written equifax on multiple occasions explaining to them that I did not authorize or verify multiple hard inquiries that were reporting on my consumer credit profile and ask for them to be removed immediately. They never even took the time to write back. I never gave consent for Equifax to report this information and my consumer rights are therefore being violated. 

15 usc 1681b ( a ) ( 2 ) states In accordance with written instruction of the consumer to whom it relates. 

I never gave written instruction or consent of any kind therefore my consumer rights are being violated.
Product: Debt collection

My XXXX XXXX provider XXXX XXXX XXXX routinely treats me and has done so most of my life. I have one six-digit account number assigned by XXXX XXXX XXXX for all billing purposes, $ balance varies. PRO COM SERVICES OF ILLINOIS, INC XXXX, IL XXXX, is a debt collector and is listed on my credit report ( see attached ), under collections - PRO COM SERVICES OF ILLINOIS , INC shows six bogus account numbers assigned to each Original Creditor XXXX XXXX - collection account with sum total for {$710.00} Balance, dates are spread out from XX/XX/XXXX to XX/XX/XXXX. Last two collections for XX/XX/XXXX. XXXX list the same account number XXXX, first one shows {$90.00} and second one shows $ XXXX.I am told PRO COM is also a Furnisher - entity that furnishes information relating to consumers by definition 12 CODE of FEDERAL - CFR 1022.41, to one or more consumer reporting agencies for inclusion in a consumer report. Information provided as shown on my credit report lacks Accuracy and Integrity, materially misleading in evaluating my consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics or mode of living and Appendix E to 12 CFR Part 1022 Concerning ACCURACY and INTEGRITY of INFORMATION Furnished to Consumer Reporting Agencies -CRA . Intentional Multiple Listings is most harmful.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXXXXXX and XXXX XXXX
Product: Mortgage

Dear Sir or Ma'am, I think this is what some note as a balloon loan ( Wells Fargo Home Mortgage over a certain $ amount ). No one at a XXXX law firm seems to want my business ... Has the statute of limitations run out? I have a Wells Fargo mortgage investor that claims their is no evidence for existence of this loan? ( XXXX XXXX XXXX of WF working on this fax # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ive also sent her phone contact to you via email ). Maybe if a nice phone call from your department could be left on her voicemail- a little fire might help them find the aforementioned mortgage policy/loan. They are claiming that they are not able to find anything bc the note was paid off. Hmmm? 

I called them the entire time we were moving to XXXX and they lied to me the entire time ( recorded phone calls/emails- that everything was fine ). They then had XXXX XXXX, our rental agent at XXXX, email us one day before the law offices sold the property. They then later claimed that they did not have to tell me anything since the mortgage was not in my name ( my wifes name was on the note ). My wife was VP and Head of HR, at XXXX XXXX XXXX ( XXXX  drug manufacturing facility XXXX XXXX, OH, and I was moving us and taking care of everything because her job was so intense during the relocation. XXXX was devastated and had a XXXX XXXX ( medically documented XXXX ) soon after this and had to quit her job- a reason not an excuse! This was the home we had planned to retire to! 

We have lost years of rental income ( 3 units heart of downtown XXXX ) from this and I would like to know a little about whom or what organization is profiting. 

I tried to do this the right ( nice ) way by working through consumer affairs and the XXXX  ... 
A little caveat- my mothers home mortgage is with WF. 

Here is the letter from the agent that was handling the rentals at the time. 

XXXX and XXXX, Attached is a file containing 5 pages as follows : Pages 1-2 :  Letter from the law firm representing Wells Fargo. 
Pages 3-4 : Copy of the notice that will be placed in XXXX XXXX XXXX. 
Page 5 : Letter from another law firm seeking your business on this matter. 

This is everything we've received regarding XXXX XXXX XXXX thus far. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Fax XXXX XXXX XXXX, Team Leader | mobile XXXX XXXX XXXX, Sales | direct XXXX XXXX XXXX, Property Management | mobile XXXX XXXX XXXX, Administrative Assistant | direct XXXX Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts about their accuracy the reported payment history of this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX Date Opened : XX/XX/2016 Balance : {$5600.00}
Product: Vehicle loan or lease

Ally is currently reporting multiple balances on the credit bureaus. Furthermore, this information should be removed immediately.
Product: Mortgage

For the last year to 1 1/2 years, my wife and I started concentrating on making more payments towards the principle, of our mortgage, every month. She pays in person at a local branch, and I tend to pay either online, or speaking to a person over the phone. I have never done automated payments. 

I recently started noticing that there is activity showing payment reversals in XXXX of this past year ( XXXX ). I contacted them on their XXXX customer service number provided, several times, to speak to representatives and ask them to explain. Neither of the 3 have been able to do that. So my wife contacted someone at a local branch, and we made an appointment on Saturday, XX/XX/XXXX, to go sit down and visit with one here. 

The dates include : XX/XX/XXXX - Payment Reversal {$460.00} XX/XX/XXXX - Payment Reversal {$0.00} - Unapplied Funds {$460.00} XX/XX/XXXX - Payment Reversal - {$160.00} ( principal ), XXXX ( Interest ), - {$230.00} ( Escrow ), {$530.00} ( unapplied funds ) XX/XX/XXXX - Payment Reversal {$0.00} - XXXX ( principal ), - {$80.00} ( interest ), - {$220.00} ( Escrow ), {$520.00} ( unapplied funds ) XX/XX/XXXX - Unapplied Funds - {$520.00} Representative, XXXX XXXX, was kind enough to sit through almost a half hour with a mortgage rep on the other end, who could not explain why the reversals were on our account. After almost an hour there, we ultimately told her not to worry about it, we would look for another avenue to get someone to explain it to us. She stated she did not know why the numbers did not work out and why their mortgage department could not explain. 

A co-worker told me about a Wells Fargo financial institution that wasn't a bank, on XXXX XXXX and I called. They told me they only deal with financial advising and to call the same original XXXX number where I had spoken to representatives the first time around. Which gets me to where I am now, frustrated, and with no one to explain why the reversals appear on my statements. 

Basically, every penny that we have paid towards our mortgage account, that is NOT the monthly payment of {$530.00}, should have been applied to the principal. That is all I am trying to ensure.
Product: Credit reporting or other personal consumer reports

Additionally, pursuant to 15 USC 1692c ( c ) of the Fair Debt Collection Practices Act, I am requesting that you cease all further communication with me regarding this disputed debt. This section of the FDCPA states that if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication, the debt collector must cease communication except to inform the consumer that collection efforts are being terminated or to notify the consumer that the debt collector or creditor may invoke specified remedies XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX fl XXXX XXXX XX/XX/XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : ACCOUNTS : REASON XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
Product: Debt collection

I do not have a debt with the XXXX XXXX. They called me on XXXX seperate occasions XXXX, XX/XX/XXXX twice, XX/XX/XXXX and XX/XX/XXXX. Then on XXXX/XXXX they called my son, daughter and ex-wife saying they were looking for me becasue of an urgent legal matter. They have not provided any documentation of the debt that they say I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, upon review of my XXXX  credit report it noticed that XXXX was incorrectly furnishing data to the CRA. My direct action was to dispute the information, as it was not correct ; XXXX 's response was to add to 30 day lates to my credit report which is inaccurate.

This is an illegal loan, and XXXX  was repaid all monies borrowed. I
would like this agency to remove all credit reporting from my credit report as they are in violation of Fair Credit Reporting practices.