23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My home loan from XXXX XXXX XXXXXXXX was transferred in XX/XX/XXXX to NewRez, LLC DBA Shellpoint Mortgage Servicing. I called them on XX/XX/XXXX as I had recently made a large payment and wanted to recast the mortgage as well as remove the XXXX from my monthly payments. The person on the other end of the line did not want to answer any of my questions about the process, was very short and rude with me, and at multiple times tried to end the conversation. I managed to get my questions through and she said there was a fee I had to pay for the recast as well as make an additional down payment ( {$5000.00} minimum ). I gave her my information and she assured me that she would submit the recast but that it would take up to XXXX  days ( she also told me to submit the XXXX request online, we'll return to that later ). So on XX/XX/XXXX I called back and found out that the recast had not been submitted correctly, and that my payment and fees had not been applied to the recast at all! I spoke with XXXX, who similarly was very rude and short with me. I then transferred to the supervisor XXXX XXXX who had a better demeanor and was willing to resubmit the recast but nothing more. On XX/XX/XXXX I called again and spoke with XXXX XXXX who was courteous, but confirmed that the XXXX removal had never been submitted at all. ( Except I have an email from the company saying I had successfully submitted it online! ) He said that the recast had been submitted correctly on the XXXX, but that it would now take up to XXXX days to complete. He apologized for what had happened, and I guess that is XXXX small thing, but I also get a different answer every time I call and that is very disconcerting. To sum it up, I am still astounded by the errors that have been admitted to by this company. Their incompetence has cause me and my family to go through weeks of stress and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this complaint myself and to inform you that there is no third party involved in the process. Im now submitting this complaint today to inform you as well as the Credit Bureaus that I was a victim of identity theft. I have researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} XXXX  XXXX Balance : {$63.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

CAVALRY PORTFOLIO SERVICES # XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. SOME TYPE OF PROOF OF OWNER I request that CAVALRY PORTFOLIO SERVICES Provide verification of the following a itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CAVALRY PORTFOLIO SERVICES Cease and Desist all further communications and collection actives and provide  the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

By law, you are not allowed to report income since this account has been charged off. You should have received a XXXX from the IRS.
Product: Debt collection

Midwest recovery systems keeps putting a collection on my credit bureaus for a debt with XXXX XXXX, says I owe {$260.00}. Have disputed twice with XXXX  and they have removed twice due to invalid acct. Midwest keeps putting it back on, now its on XXXX  also. Have once again disputed with both. Called Midwest and asked for proof of debt since I haven't used checks in years ( im assuming this is a payday advance place ) and they refuse to provide proof of acct. plus the dates change every time they put it back on, now it says first reported XX/XX/2020. My bank will prove that a check has NEVER been submitted for payment for them.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and demand the immediate deletion of the XXXX XXXX Account XXXX account information that you have reported on my credit report. I have previously requested, in good faith under Rule 1002 of the Fair Credit Reporting Act ( FCRA ), the documents that demonstrate proof of compliance with the legal requirements pursuant to sections 15 USC 1666b and 1637 ( b ). Specifically, I requested proof of the mailing or delivery of information required 21 days before the payment due date, as mandated by section 1666b.
Product: Credit card

My claim # with bank of America # XXXX XXXX XXXX During covid i received my unemployment from XXXX on a debit card from Bank of America. Because of their failure to implement basic securities measures as stated in class action lawsuit among other reasons, they lost and ha d to pay {$220.00} XXXX, I was defrauded {$11000.00}. the lawsuit was filed in the US District court of California. Bank Of America Unemployment litigation Case # 3.21-md-2992-LAB. Sometime ago I sent complaint many times which were declined. Not long ago time amoneygo i found out that people got their money. Some because the media was involve, others because of the class action lawsuit. Time are becoming so very difficult, living a such low SS as expenses are rising all the money is important. Bank of America took the shortcut and is responsible for the lost of the citizens and should give it back, like they did to the other people.
Product: Mortgage

I submitted a signed and notarized Loan Modification agreement with XXXX on Monday, XX/XX/XXXX at 3.125 % interest rate on a 30-year fixed FHA loan XXXX I made a full initial payment on XX/XX/XXXX. This was the first due date of my new loan. Then XXXX said they did not submit the correct paperwork to New York State for my loan modification, therefore I would have to sign and notarize another loan modification, but now at a 4.25 % interest rate since the Federal Reserve had been increasing interest rates between XXXX and XXXX. I now pay {$120.00} more each month due to no fault of my own which is {$43000.00} ( = 30 years * XXXX mos/yr * {$120.00} ) more I have to pay now over the next 30 years. On XX/XX/XXXX XXXX acknowledged that they received my 2nd set of signed and notarized documents for my Loan Modification and that it would take 30 calendar days for my account to reflect these changes. My account has still not been updated. Since they are dragging their feet to update my account, I can not make ACH automatic monthly withdrawals to pay my loan. I have had to call them each month since XXXX, my initial payment on my 2nd loan modification, to make a payment over the phone. I have called them countless times this year to speak them. Each time they assure me someone from XXXX will email me or call me to address these issues within XXXX business days. No one ever contacts me back. The whole reason I have had to do a loan modification is because I suspended my mortgage payments during the pandemic because I was laid off due to no fault of my own.
Product: Credit card

Talk to this company, several different times, asking them to close my account and make payment arrangements with me they would not I also talk to managers they would not help me either told me I qualified for hardship program and then transferred me to credit counseling more than once I have close the account but they are still charging me late fees and high interest rates I just wan na be able to make a reasonable payment a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunuion have been notified that an old Georgia tax lein, file in XXXX XXXX Georgia, has not only been paid in full, but is also released, but is also past the statute of reporting on the CRB. However, these two companies are damaging my efforts to move on, they are making me die inside, they are holding this item on my credit report and refusing to remove it.
Product: Credit reporting or other personal consumer reports

Wells Fargo 15 year fixed mortgage in place for 12 years. No escrow account. Wells set up an escrow account without my knowledge or consent in XX/XX/year>. Then misapplied the principle/interest payments to either the escrow account or left it misapplied. This resulted in it appearing that monthly P and I payment was late. After I called Wells Fargo XXXX times over a 6 month period -- they finally closed the escrow account and confirmed that the account was up to date in terms of payments. They refuse to contact the credit agency and withdraw 1 month of late payment. This dropped my credit score XXXX points and I am currently in escrow on a new purchase. This has the potential to cost me money on loan financing and is an inaccurate entry on my credit score. I want them to correct this inaccurate reporting. I also want them to apologize for having put me through this ordeal and being subjected to their incompetence. 

Thank you XXXX XXXX
Product: Debt collection

This company, which I hold no contract with nor have received services from, reported collection accounts found on my credit report from XXXX XXXX XXXX for the amount of $ XXXX, $ XXXX and $ XXXX. I've contacted the debt agency in XX/XX/2017, for more information regarding these debts and could not get in contact with a representative. These debts were fraudulently placed on my report without my consent and does not show proof of validation that it is mine. I've requested validation of said debt accounts showing my signature, however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services, nor have they provided adequate proof I am not obligated to pay for this alleged debt. Under section 611 ( a ) ( 5 ) ( A ) ( i ) states that all 3 credit reporting agencies must have the original signed paperwork in their physical possession before they can report it on said credit file. No paperwork with my signature was furnished to me as proof of validation. I've requested validation by mail and was provided what I've attached to this complaint ; which is a direct violation of The Health Insurance Portability and Accountability Act of 1996.
Product: Credit reporting or other personal consumer reports

XXXX  # XXXX XXXX # XXXX. These accounts were all opened under my name and these accounts were not authorized by me. These companies have not verified any information by me. The credit bureau are violating my FCRA rights by continuing to report theses fraudulent inaccurate accounts. 

XXXX XXXX  account # XXXX is reporting a paid charge off an account that also was not opened by me. I am a victim of identity theft these company continue to report negative inaccurate information on my credit profile violating my rights. No validation with my signature has been submitted. We are prepared to sue the bureau depending on the response. There are consumer laws that are in place to protect the consumer and the bureaus as well as these companies are in clear violation. How can I submit a dispute and then minutes later the response is the account was unchanged based upon our processing. There is no way an account is validated that quickly. Remove these fraudulent accounts asap. These are in clear violation of my rights.
Product: Credit card or prepaid card

On XX/XX/XXXX {$1000.00} balance transfer was sent to XXXX XXXX, XXXX never received the payment or posted the payment to my account. Now I have a balance of {$1000.00} on my account. I never received a physical copy of a check or any type of verification from chase bank that a balance transfer was approved or completed. I called and spoke to a representative and advised the check was cashed, there was no check ever sent to me and its nothing to verify.
Product: Credit reporting or other personal consumer reports

I would like to express my continued frustration and concern regarding the presence of fraudulent items on my credit report, despite previous attempts to have them removed. Despite my diligent efforts to rectify this situation, the fraudulent items persist, posing a significant threat to my financial integrity and security. 

Despite my initial efforts, the fraudulent items remain on my credit report, posing a constant threat to my financial well-being. Consequently, I am compelled to submit a second dispute in the hopes of finally resolving this issue and protecting my financial integrity. 

I have attached copies of all relevant documentation, including previous dispute submissions and supporting evidence, to expedite the resolution process. I urge your agency to prioritize the investigation and removal of these fraudulent items to prevent further harm to my creditworthiness and financial standing. 

Additionally, I request transparent communication and regular updates on the progress of the investigation into this matter. It is imperative that all necessary measures are taken to ensure the accurate reporting of information on my credit report and to safeguard against potential future instances of fraud. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Mortgage

A fifteen year mortgage on our residential property at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, provided by XXXX XXXX in XXXX was assumed by Mr. Cooper ( " MC '' ) in or about XXXX. By letter dated XX/XX/XXXX, MC sent me a letter claiming that the commercial hazard insurance had expired in XX/XX/XXXX and that it would purchase such insurance unless proof of current insurance were supplied. Proof was supplied on XX/XX/XXXX by the insurance broker that a policy is in effect for the period XX/XX/XXXX to XX/XX/XXXX. MC refused to process the letter and sent a second letter dated XX/XX/XXXX threatening to purchase a policy. I resubmitted the XXXX, XXXX material on XX/XX/XXXX, which MC refused to process. On XX/XX/XXXX, at MC 's direction, I submitted the declarations page alone, highlighting the dates of coverage, which, on XX/XX/XXXX, MC again refused to process. The mortgage is scheduled to be fully paid in or about XX/XX/XXXX. It appears that MC is engaging in scam so that it will not return the escrow when the mortgage is fully satisfied. 
XXXX XXXX listing of complaints includes at least one other home owner who experienced the same consumer fraud and illegal debt collection practices committed by MC. The Loan Number is XXXX
Product: Debt collection

I have previously submitted a complaint with your organization and it was closed as the Bank of America promised an inquiry and response. We received emails as pdf attachments with no contact info two different times both saying the same, that they will respond with details. Unfortunately, I did not receive any formal conclusion with a response to my questions. This has been more than 180 days, the first response promised action within 60 days. I tried to call the number you provided but the extension does not take me anywhere. 

CFPB previous complaint details : STATUS-Company responded on XX/XX/2021 Previous Complaint Number : XXXX The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX XXXX about its response to this complaint.
Product: Credit reporting

Trans Union is not responding to my request to investigate, verify and remove XXXX account from my credit file.
Product: Credit reporting or other personal consumer reports

Hey, my name is " XXXX XXXX XXXX '', and I have noticed on my consumer report that I have a bankruptcy that must be deleted off my consumer report immediately. It has impacted me deeply and has hurtled me. The consumer reporting agencies XXXX XXXX, XXXX, Equifax, and XXXX have validated codes 15 U.S Code 1681 s-2 " furnishes of information to consumer reporting agencies. They have reported a bankruptcy knowingly that it's not connected to me. And I have on record that I am not connected to this public record. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my XXXX Report. This law states that if you file a police report through the XXXX, it must be deleted.
Product: Credit card

They say cant open account when it is still open. Not only that, I think they just dont want me to see transaction history because when I wanted to close account, XX/XX/2023, I saw somewhere I had a lot of money returned to debit or credit account and they must have took it because I never had it in my possession. They told me I would receive credit card then sometimes say I cant re open. Super suspicious bank
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX  ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) 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. 

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

Hello I received a copy of my credit report and found a host of inquiries that i was unaware of that I had pulled during the purchase of my car last year as well as other inquiries from loan requests. I'm hoping to get these inquiries removed as they are affecting my credit and my ability to further my credit abilities any help is greatly appreciated. 

XX/XX/XXXX XXXX  XXXX TransUnion XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX TransUnion XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX