23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying to get a modification from this company since XXXX. My father who is on the loan passed away in XXXX. After months of going back and forth with CMG they stated all they needed was my father death certificate which I sent to them back in XXXX. Then calling to check status a rep expressed that I would receive a letter that CMG is requiring a probate letter or will of my father. I expressed that they only required a death cert. This was now XX/XX/XXXX. I sent the will and updated paystubs and bank statements. Now I called last week on XX/XX/XXXX to make a payment and was told I couldn't because I was in the middle of a modification and that my file of the will was sent to adjuster. Now I call yesterday XX/XX/XXXX and was told that I have a point of contact, XXXX XXXX and that I would need to speak to her and then I was xferred but it went to voicemail. I left a voicemail and she did not call me back. I called CMG again today XX/XX/XXXX and spoke to another rep who states that my uniform borrower form is about to expire. I expressed to her all that I have been going through with CMG and she provided me the presidential complaint address for company. I told her what last rep told me about not being able to make a payment because I am in the middle of a modification but I am being recorded as late to the credit bureaus and she told me that she isn't sure why I was told that since I've been making payments during this process ( I am 2 months behind ) and that I could make a payment which I did. She also sent an email to Ms. XXXX to return my call. I have constantly received conflicting info from this company and there is no way i should still be going through this process that started back in XXXX of last year.
Product: Checking or savings account

XX/XX/2023 - {$20000.00} and it was rejected XX/XX/2023 - {$31000.00} and it was rejected
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my Experian credit report on line. There were Tax Liens from the County Recorder of Deeds, and U. S. Bankruptcy Court items listed on my credit reports. Per  the FCRA XXXX ( a ) ( XXXX ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 

The Experian Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act XXXX XXXX a ) ( XXXX ). 

Per the Federal Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment XXXX XXXX ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau.
Product: Debt collection

I received a collection notice after never receiving a bill. I tried contacting the landlord and he refused to speak to me so I contacted Credit International Corporation. The person I spoke with emailed a copy of an invoice and when I tried to ask questions about never receiving any notification that there was money owed, he hung up on me. I followed the option on the letter and wrote in that we were disputing the charges and mailed it on the XXXX of XXXX within the 30 days. I received a conclusion notice back on XX/XX/XXXX stating that the debt had been verified. I tried calling and talking to someone again but the first local number listed on the paperwork was disconnected but I got through with the 800 number. I then spoke to XXXX and asked how they verified it. He would only tell me that their paralegal did it but would not explain anything beyond that. He then said that he was going to note on the account that I wasn't willing to pay it and they would take me to court. He then hung up on me again. I do not feel that I should be sent to collections over charges I wasn't aware of, especially when I still live in the same townhouse that the fees were supposedly accrued. I was never notified by my landlord in anyway that I had any outstanding balance until he sold this property to another company. After the sale, myself and at least one of my neighbors then received these collection notices. Nobody has attempted to make any kind of payment arrangements of any kind with me. They just say they are going to take me to court and hang up on me.
Product: Credit reporting or other personal consumer reports

My Experian credit report contains errors that should never have been reported in the first place, and I find this completely unacceptable. The presence of these inaccuracies raises serious concerns about the reliability of Experians reporting system. These mistakes are directly affecting my financial stability, and I refuse to let them go unchallenged. 

As a consumer, I have a legal right to a credit report free from false or unverifiable information. The Fair Credit Reporting Act ( FCRA ) mandates that all reported data must be accurate, and any errors must be corrected immediately. I am demanding a thorough investigation into these discrepancies and expect immediate corrective action. Delays will not be tolerated. 

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 formally notify your offices that I am a victim of identity theft and fraud. Fraudulent accounts, credit cards, and debts have been opened or incurred in my name without my knowledge or consent. These actions were not taken by me and were entirely against my will. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Credit Repair Organizations Act, I demand that all fraudulent accounts, negative items, and associated debts be removed from my credit reports immediately. I also request that any inquiries associated with these fraudulent accounts be deleted from my file. To protect my credit and prevent further misuse of my personal information, I also request that a fraud alert and/or credit freeze be placed on my file. Please update me once these safeguards have been implemented. This fraudulent activity occurred outside of my control as I was a victim of XXXX XXXX a situation that stripped me of my ability to control or protect my financial information. I am not responsible for any of the resulting accounts or debt. I expect a written response confirming that all fraudulent accounts and entries have been permanently removed or blocked from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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: Debt collection

XXXX XXXX  took XXXX from me 2 days after they had already turned me into collections. I sent certified mail to cascade collections and they refused to pick up from post office I have proof of that and receipts for the XXXX cash I gave them.
Product: Mortgage

I already sold my house. Everything was good when we sold the house under short-sell option. The Green Tree Servicing LLC agree to sell the house under that short-sell agreement. Now suddenly they are asking me the money for that house which I already sold 2 years ago.
Product: Checking or savings account

Dear Sir, I was went to the Chase Bank branch at XXXXXXXX XXXX XXXX XXXX XXXXXXXX and deposit my cash USD XXXX which all in XXXX bills into the ATM. Unfortunately, the machine was malfunction and eat my cash unexpectedly. I was call to the customer service immediately twice as instructed on the receipt and asking for prompt assistance. The representative told me this case is on file and they will send a repair team tomorrow on Monday. There is nothing we can do on Sunday and will give a positive answer by eamil within two working days. On XXXX, I went to the Chase bank branch at XXXX XXXX XXXXXXXX and explained the whole situation with a private client banker. He discuss this case with the back office by his landline phone. He told me this case under investigation and will give me a feedback within two days by email. However I still not received any positive response after three days. I went to the Chase bank XXXX at XXXX XXXX XXXX on XXXX XXXX and ask a banker is there any update for my case. She talked to the back office and told me this case still under investigation and will give a feedback in two days. Meanwhile, the bank will credit USD XXXX to me and will release the other amount after the case closed. Regrettably, I did not receive the credit as promised. I went to the Chase bank branch at XXXX XXXX XXXX again to seek for further assistance on XXXX. The XXXX XXXX XXXX talked to the back office the situation I was encounter. He told me the bank will credit USD XXXX to me immediately and the back office will provide a final decision within three days. On Thursday morning, I received a email which says as result of researchs there was no deposit made to my account. They disputed the cash deposit for USD XXXX dollars. 
Please kindly review this case and investigate all recording videos on the ATM and the branch XXXX XXXX XXXX to ensure my statement is truly correct. While I was made this cash deposit as mentioned above, there are three witnesses beside me. Two of my friends from XXXX and one security guard on duty on XXXX XXXX morning at XXXX. Your kind attention and prompt assistance is highly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts.

Secondly according to the 15 USC 1681.The law clearly states.

1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. 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.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. 
I DID NOT GIVE ANY WRITTEN INSTRUCTIONS TO HAVE ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT. 

15USC 1681 ( a ) ( 4 ) A consumer has the right to Privacy- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Date : XX/XX/XXXX, Amount of {$8100.00}, Creditor : XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Date : XX/XX/XXXX, Amount of {$7500.00}, Creditor : XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Date : XX/XX/XXXX, Amount of {$1000.00}, Creditor : XXXX XXXX has violated my rights. 

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 card or prepaid card

I disputed a XX/XX/XXXX charge for {$140.00} from XXXX XXXX XXXX ( which billed me for verifying my XXXX llisting ) after I learned that my XXXX llisting had already been verified, so XXXX XXXX never performed any service. Bank of America issued a credit. I was told in letters from Bank of America on XX/XX/XXXX and XX/XX/XXXX, " There's nothing you need to do at this time '' and in a letter of XX/XX/XXXX, " No additional action or information is needed from you at this time. '' On XX/XX/XXXX, I received a letter from Bank of America dated XX/XX/XXXX saying that the charge for {$140.00} had been rebilled to my XXXX credit card. I phoned and was told for the very first time to supply documentation to support my dispute of the charge. The representative said that the dispute would be reopened on the basis that no services had ever been provided by XXXX XXXX. As requested, I faxed the documentation that same day, XX/XX/XXXX. Bank of America wrote me that the deadline for supplying information to support my claim had fallen on XX/XX/XXXX, five days before I was first asked to document my claim and that therefore, the dispute was closed and I had to pay the amount in dispute. I had a lawyer write a letter on my behalf, which I resent on XX/XX/XXXX via certified mail ; that letter indicated that I had initiated the dispute in a timely manner and that Federal law did not allow financial institutions to arbitrarily terminate a dispute that had been initiated in at timely manner, in this case noting that I was not asked to document my claim until after the supposed arbitrary deadline ( of which I had not been notified in advance ) had passed. Bank of America wrote on XX/XX/XXXX, " we were unable to determine that a billing error occurred '' and " the notification of your dispute fell outside the timeframes '' and " we're required to work within certain dispute processing rules, which include specific timeframes. '' In short : my dispute is being terminated in an arbitrary manner because Bank of America waited to ask for documentation from me until after the timeframe it later told me ( after the fact ) governs such disputes. This is Bank of America 's fault, not mine ; I would happily have provided the documentation in XX/XX/XXXX but was not asked until XX/XX/XXXX to provide the documentation in question.
Product: Mortgage

Specialized Loan Servicing ( SLS ) LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX   XXXX XXXX The short sale was started XX/XX/19 with SLS. On XX/XX/XXXX we were told the file was complete.

After being lied to several times on EVERY PHONE CALL, we were finally countered on XX/XX/XXXX. THE BUYER MET THE COUNTER ON XX/XX/XXXX.

On XX/XX/XXXX we were told that underwriting somehow allowed some tasks to expire in early march, requiring the file to be re-underwritten.

On XX/XX/XXXX we then filed CFPB complaint # XXXX, and subsequently were corresponding with a manager XXXX who on XX/XX/XXXX agreed that should not have happened. Keep in mind that throughout this entire process, we called faithfully twice a week and we were assured each time that it was under review and moving forward and at NO TIME were we told that it wasn't actually an open short sale. He assured us he would be working with us to quickly resolve the situation.

******Fast forward four weeks later and we are still having problems with obtaining truthful information and four weeks does not fit the definition of a quick resolution.

On XX/XX/XXXX we spoke with XXXX, who told me it had been sent to the investor and that there would be an update by Friday XX/XX/XXXX. Spoke with XXXX again on the XX/XX/XXXX and was told the same thing and asked to have a manager call me back.

Today, XX/XX/XXXX we called in and were told that they will not have an answer anytime soon, that the clock started over on the XX/XX/XXXX when we sent in the last document and now they have 30 MORE days to render a decision. The rep today was rude, refused to escalate file further and refused to allow me to speak to any manager. We did subsequently receive a call from XXXX  who says he escalated the issues to his manager and the processing teams manager. Which we appreciate, but doesnt rectify or solve our current problem of being continually and purposefully given inaccurate and outright false information. In passing along all the false information we have been given to the buyer, we have lost the buyers trust and faith. Here we are nearly two full months after the buyer accepted and met all terms dictated by SLS, and we havent even passed processing on this file.

SLS continually makes up document requests in an attempt to milk the servicing fees out of the investor, XXXX XXXX. They are defrauding the investor.

I want SLS to be investigated for these continual and deceptive communications. I want the short sale approval letter that we should have gotten shortly after the buyer accepted SLSs counter offer on XX/XX/XXXX. In addition, I want all employees in the loss mitigation department to be properly trained in how to read, and communicate accurately, the status of loss mitigation files.

CC : 1. XXXX XXXX 2. XXXX 3. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the credit bureau on XX/XX/2019 to investigate my credit report where there is an account ( XXXX XXXX XXXX  ) which is not mine. It has been over 30 days since I sent the letter but I still have not been notified of the investigation status or results. The agency has not complied with their 30 days notice of completing a investigation.
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.

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 any purpose
Product: Credit reporting or other personal consumer reports

I received an email on XXXX XXXX, from XXXX on behalf of XXXX  that there was a data breach on XXXX XXXX  with XXXX XXXX, the provider of XXXX XXXX software disclosed a vulnerability in their software and that could be exploited by an unauthorized party. As suggested, I enrolled in XXXX XXXX XXXX  My credit is already frozen, but I wanted to add a fraud alert to all XXXX credit bureaus. I successfully added it to XXXX and XXXX, however I could not log into Experian because I dont know my password. I tried to reset it, but they asked for a phone number. I tried all possible phone numbers, and none worked. I tried to call Experian and you can not get to a person to explain the problem the recording says to send them a letter with name, address, copy of drivers license, and proof of current address which I did on XX/XX/. I have never received a reply. Experian has been unresponsive in allowing me access to my existing account and the ability to add a fraud alert on my account. Please Help!
Product: Mortgage

I am attempting to payoff my mortgage to complete the sale of our home. However, Freedom Mortgage is being extremely unhelpful in the process. The title company faxed Freedom Mortgage a request to close the account on XX/XX/XXXX. When I called on XX/XX/XXXX Freedom claimed they did not receive anything, so we had to start a new inquiry. Closing was scheduled for XX/XX/XXXX and this was the final document needed to complete the sale. When I called again on XX/XX/XXXX to check on the status they said the estimated completion date was XXXX. The supervisor I spoke to added that if we could provide proof that the request was sent on XX/XX/XXXX than they would expedite it. I provided that information, but they were still unwilling to accommodate us. They ensured us multiple times that requests are complete within a 72 hour maximum time frame, but XXXX is outside of that window. I have been a part of numerous real estate transactions and know that this process takes less than 1 hour to complete. The supervisor I spoke to on XX/XX/XXXX said he was sorry we were misinformed, even though less than 24 hours ago we were told to provide proof.
Product: Credit card or prepaid card

I called this company and email them about three to a month ago letting them know that I was impacted it by COVID 19 and my XXXX  was not generating revenue. They asked me to have a payment plan, which was not a choice because of no income. Now they are reporting me 30 days with the credit bureau.