23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After being on Forbearance due to Covid-19 epidemic and being unable to get back to work most of XXXX and part of XXXX I was returning to work in XX/XX/XXXX from a work injury and in XXXX of XXXX I began a cash out refinance of my home to payoff credit card debt acquired during the covid-19 shut down on XX/XX/XXXX I made an electronic payment of {$4400.00} through my online bill pay at XXXX XXXX  to Lakeview Loan Servicing to bring my mortgage current which posted as paid to them on the XX/XX/XXXX this cleared up four unpaid months back in XXXX due to thirty day waiting periods for my mortgage payment protection and returning to work to get my first full paycheck the payment posted to my Lakeview Loan Care account XX/XX/XXXX which gave me a clear twelve month payment history on XX/XX/XXXX I called in to Lakeview Loan Care Loss Mitigation department and ask for a cancelation of my Forbearance and a letter of confirmation I was told it could take up to 24-72 hours to generate the letter and to call back Monday or Tuesday to see if they could email it to me when I called Monday I was told my payment had been retracted so I went back to XXXX XXXX  and they confirmed they had not retracted the payment so I would like some help finding out why the payment was retracted from the same source I have used to pay my mortgage for a least a year or two and where was it retracted to and now reapplied with out a clear account history and I have still not received my Forbearance ending letter or confirmation or any information pertaining to it can you help me has any laws been broken with this unwarranted delay and inexcusable miss handling of my funds payed to the account.

The Company who is now handling my home refinance is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX which was started about XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX somebody used my personal information and SSN to fraudulently to open personal loan with XXXXXXXX XXXX. The total amount of personal loan with interests was {$19000.00}. It all happened during my absence from the US, at this time I was residing in XXXX and couldn't do this online.
Product: Credit reporting or other personal consumer reports

My continuous efforts to rectify the fraudulent, erroneous, and misleading entries on my consumer report have been ineffective. These false records have severely disrupted my life, causing substantial anxiety and distress. As an identity theft victim, I must emphasize that I never authorized or agreed to have this information associated with my name.
Product: Debt collection

On XXXX I was contacted by diversified consultants inc. they related that I had a collection account and offered a settlement of {$150.00}. I accepted and paid that amount. I never received or asked for a receipt as I trusted that this was paid. Now I am getting charged the amount that was waived in the settlement and that amount is in collections. DCI refuses to provide me with a receipt or documentation showing my payment.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will. 
investigate these items for me to ensure accuracy. 

XXXX XXXX amount owed {$990.00}. 
# XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
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 have violated my rights XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX In violation of : 1 5 U.S.C 1681 section 602 A. States I have the right to privacy... THESE COMPANIES ARE NOT TO VIOLATE THAT ESPECIALLL WHEN THERE ARE SECURITY CONCERNS AND A SECURITT FREEZE ON MY CREDIT. 1 5 U.S.C 1 681 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
Product: Credit reporting or other personal consumer reports

This is a list of all hard inquires that are reporting to my EXPERIAN, XXXX, and XXXX which is in violation of my privacy rights under the Privacy Rights Act of 1974, 15 USC 1681 permissible purposes, also 15 USC 6802 and 15 USC 6805 disclosing of personal information. The companies stated below and also EXPERIAN, XXXX, and XXXX all broke the law and need to be held accountable for their illegal and unlawful actions. None of the companies listed below were given written consent by me to obtain my information or disclose it. I have attached my credit report as proof of discrepancy on my credit file, all three credit bureaus are reporting different information, some are reporting specific hard inquires and the others reporting the other ones which is in violation of 15 USC 1681, inaccurate reporting on my credit file, the reporting are not matching up and every hard inquiry needs to be removed immediately as they each are subject to {$1000.00} fine per each violation. I have did my due diligence of complying with the law and filing an identity theft report with the irs that has been filed which I have attached a copy of that document as well. 
XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX I have learned that my identity has been stolen and used fraudulently. I have included several documents for evidence of proper reporting of the matter. I have mailed my complaints as well as attempted direct complaints with XXXX, XXXX, Transunion and XXXX XXXX, although XXXX did not provide an online option for my needs. There have been multiple instances of false personal information, addresses, hard and soft inquiries, phone numbers & email addresses. I have spent a great deal of time since my knowledge of the matter beginning in may of XXXX, trying to clear all of the errors up. I filed disputes on XXXX of XXXX which remedied several items but not all and thus leading me to spend even more time and money to research remedies and to provide all of the additional documents ( included ). I have also found multiple instance of privacy violations which are addressed in the documents as well. I have since also froze all of those mentioned. As of this time, my home has incurred over {$50000.00} worth of loss and damages since XX/XX/XXXX.
Product: Checking or savings account

I have had fraudulent activity on my account for a few months. I have complained many times and nothing was done til there were fake mobile deposits. I call the bank to ask what it was and they said the closed the accounts due to a previously known device that was not mine for fraudulent activity. I can not get a copy of my bank statements or any help filing a fraud report. I was simply told to call a lawyer they won't give me anything. The account was closed due to mis use of mobile deposits even though they know it came from someone else who has previously done this to other Bank of America accounts. So they closed my account saying I did something wrong even knowing it was someone else. My account was closed for their inability to stop a known issue but they are blaming me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letters to the credit bureaus and XXXX company in reference to removing late payments from my credit report because it is unlawful. I have tried to send XXXX XXXX  letters as well due to my medical emergencies and XXXX  but they did not attempt to resolve it and assist me even though I have currently caught up on my payments.
Product: Mortgage

Initially we applied for a mortgage modification back in XXXX with CitiMortgage, XXXXnc. Citi modified our loan reducing the interest rate from XXXX XXXX XXXX XXXX with an $ XXXX reduction in the monthly payment. And when I question XXXX XXXX, XXXX ext. XXXX, about the nominal decrease she insisted that that was the best they could do withstanding our XXXX XXXX  status. I was already XXXX and expected XXXX to XXXX soon. Nevertheless XXXX stood fast sayin that the we could submit a later request for a second modification. I do n't think we were treated fairly with the HAMP guidelines application. This modification was granted in XXXX XXXX with the first trial payment due XXXX XXXX, XXXX. 
Since XXXX eventually retired in XXXX XXXX, we submitted our second modification request in XXXX XXXX. We did n't get Citi 's decision until XXXX XXXX, XXXX. And only then after I vigorously complained knowing that we had submitted all documents and explanations in XXXX. Predictably Citi declined us and one of the  reasons given was that we had already exhausted the modifications available to us. Additionally we received an escrow analysis from Citi and on the backside it indicated that Citi had sold our loan as of XXXX XXXX, XXXX. After learning that XXXX XXXX XXXX was the new mortgage Company, they informed us that HAMP expired XXXX XXXX, XXXX while encouraging us to reapply for modification with them per their in house effort. XXXX subsequently declined us too. and we dealt with XXXX XXXX ; XXXXXXXXXXXX ; who really seemed like this was her first modification effort. So our first payment was due XXXX XXXX XXXX, XXXX, we received notice late XXXX that XXXX has now sold our mortgage to XXXX XXXX XXXX, XXXX effective XXXX XXXX, XXXX. We had already issued and mailed payment check to XXXX XXXX XXXXXXXX. we had like experience when Citi sold to XXXX. documents attached pertinent to Citi 's decline and our appeal was declined too. The property in question is XXXX XXXX XXXX, XXXX, Mo XXXX, our primary residence. Is there something strange going on with all of these unique transactions? I could n't get the documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

No way to access credit report or score online without paying ; requested annual credit report and received nothing in the mail. They could be illegally sharing information and not sharing my credit report history with me.
Product: Checking or savings account

In XX/XX/XXXX through XX/XX/XXXX I was hospitalized upon my departure from the hospital. I notified the bank that there had been fraudulent transactions on my account. The total amount that the fraudsters got was {$2800.00}. I close that account reopened a new account Upon my release from the hospital, I was notified by Wells Fargo that my account would be closed and I would be left owing the amount that was taken from me. Wells Fargo denied my disputes after several attempts to reopen the disputes. They said they could no longer assist me in this case, my account was - {$2600.00} as of XX/XX/XXXX I filed for my tax return which was a total amount of {$7800.00} which would have covered my overdraft from the fraudsters as well as put my account in the positive to where I could use my account This was rejected and returned to the IRS taking me much longer to receive my tax return and my accounts were closed. I also have an auto loan with Wells Fargo to where Ive been paying every single month for the past XXXX years they have been misapplying the extra payment after several calls to Wells Fargo costing any time, energy and stressful situation considering my medical condition I was diagnosed with XXXX XXXX on XX/XX/XXXX. After many calls with Wells Fargo, asking them to apply the extra amount to the principal rather than the principal and interest in order to reduce my overall principal payment Wells Fargo has neglected to do this time and time again they have also made it so my account balance is negative equity now and Im unable to refinance or trade in my vehicle or do anything for that matter with my vehicle that I dont want anymore because of this simple Tactic used by Wells Fargo to up my payments and keep them the same the whole time I feel like I have been deceived and this is not OK. I would like my money reimburse from Wells Fargo and this situation resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXt this account 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 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason 15 U.S.C 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 15 U.S.C 1605 Determination of finance charge 15 U.S.C. 1681s-2 ] Responsibilities of furnishers of information to consumer reporting agencies During Late 2021 early 2022 Ive sent off a goodwill letters advised by my lawyer, spoke with management during Covid 19 times is when mostly everything accrued tried to set up arrangements. Ive gotten no compassion no nothing but them violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I got a loan from XXXX XXXX. I defaulted in XX/XX/XXXX and property was sold. Then it was transferred to XXXX XXXX. In XX/XX/XXXX XXXX XXXX  changed balance due from {$17000.00} to {$29000.00}. I disputed this and then they did an unauthorized hard inquiry. I disputed that in XX/XX/XXXX and they did another unauthorized hard inquiry. Since then all account info has been removed but the unauthorized hard inquires still remained. XXXX said they take a while to update. Do after waiting a year I disputed it again. Once South State Bank was contacted they did another unauthorized hard inquiry last week. I call XXXX  and was told by " XXXX '' that there's nothing they could do to stop or remove them. I needed to lock my file. I talked to XXXX in there lock Dept and she said they could remove them but I would have to be transferred back to dispute Dept. Well this time " XXXX '' answers and says there's nothing they can do. But amazingly XXXX and XXXX sound like the very same person on the phone and when I told her this we got disconnected. So I need help. If I contact the company they will just do another hard inquiry. They are doing it just to affect my credit score. I finally got my credit back to fairly good since my divorce in XX/XX/XXXX and having someone run up over 89k in debt in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation: address not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: credit card never late
XXXX XXXX  
FCRA Violation: hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am writing regarding XXXX the principal name XXXX XXXX. The retail installment contract referenced in this matter qualifies as a negotiable instrument under UCC 3-104, as a potential asset-backed security ( ABS ), backed by the full faith and credit of the United States government under 31 U.S.C. 1501 and constitutes legal tenders for all debts, public charges, taxes, and dues as defined under federal law. 31 U.S.C. 5103. In exchange, [ COMPANY NAME ] receives a cash advance from the United States Treasury or a Federal Reserve Bank for processing. 
Pursuant to California Probate Code 4151, I hereby revoke all previously granted Powers of Attorney related to this account or any other matters, effective immediately. Any actions under prior POAs are now void. 
Under UCC 3-305, I reserve my right to recoup any overpayments or improper charges collected beyond what was lawfully due. If overpayments or improper charges have been applied, please issue a refund promptly. I assert my claim to the interest and proceeds derived from each trade and instrument in accordance with UCC 3-306, along with my possessory rights to both the instruments and the associated property. This includes all financial benefits, credits, or equities derived from this account. 

To resolve this matter in good faith, I am tendering the enclosed Bill of exchange as full satisfaction of the obligation under UCC 3-311. Failure to comply, will be considered a dishonor per UCC 3-502. Any attempt to destroy, cancel, or transfer this instrument shall be discharged to the extent of the amount tendered under UCC 3-603 - UCC 3-604 ( a ). You have ten ( 10 ) business days to accept and process this instrument. I request a full accounting under UCC 9-210, including transaction history, securitization details, and any tax filings forms. Please cease all collection activities immediately, as continued efforts may violate federal laws such as the FDCPA ( 15 U.S.C. 1692 ) and the FCRA ( 15 U.S.C. 1681s-2 ). I will pursue filing complaints with the SEC, OCC, IRS, FTC, and the Attorney General 's Office to proceed with legal action and seek full monetary damages. 

Thank you
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian and XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX Balance Owed : {$41.00} ; XXXX XXXX XXXX Balance Owed : {$300.00} ; XXXX XXXX XXXX XXXX Balance : {$5100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting information that needs investigating I found that my credit scores are significantly lower, and because of one of the same accounts that I'm having a problem with. Every credit agency now has me in the low 600s. I was heading toward the mid 600s ... this is really discouraging!!! I definitely need this to stop and my scores to show back above the 630s. Thank you all in advance for your help with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is in violation and I am pursuing monetary compensation per violation. 
( Please see attachment )
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is STILL reporting an unverified account to my credit report. I have contacted the ORIGINAL CREDITOR of the account and they have responded on XX/XX/19 through the CFPB Portal stating the account will now be removed. 
Original Creditor Response : In your complaint it was indicated you have retained an attorney. We have closed the account in our office and a request was submitted to XXXX & Transunion to have the aforementioned account removed from your credit report. In conclusion, we hope that you accept our explanation by considering that upon receipt of your concerns, we immediately escalated the situation and met your desired resolution. If you have any additional questions, please feel free to contact me directly. Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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: Mortgage

My timely mortgage payments were incorrectly applied as " ADDITIONAL PRINCIPAL '' and " MISC RECEIPT ''. As a result, I have been charged multiple late fees and my account was reported delinquent to all 3 credit reports. This caused my XXXX score to drop XXXX points and credit card companies to cut my credit lines. 

Attempting to get this corrected with TD Bank has been a nightmare. There are two groups involved, the mortgage servicing group and the collections group. They use different computer systems, can not see the same notes and information, can not/ do not talk to each other, and updates on one side can take " several business days '' to be viewed by the other side. 

The result is a multi-hour phone tag where I am continually transferred from one group to the other. I am repeatedly told by the servicing group that they see my account is still in forbearance, which obviously makes no sense since at the same time they say I have payments due and am delinquent. 

When I call the collections group, they assure me that there are " notes on the account '' to fix the issue, but they can't actually fix the issue, nor can they tell me when this will be fixed, nor am I allowed to talk to anyone with any authority. I'm fed up with this and it's a waste of my time. 

This whole issue began because TD Bank changed my mortgage payment 1 month after forbearance ended, which caused my original XXXX payment to be {$40.00} short. ( I thought escrow adjustments were supposed to be made only once per 12 months? ) I didn't know about this adjustment because in the year 2022, TD Bank does not have online mortgage statements. Even though I immediately made the extra {$40.00} payment once informed in XXXX, this still has not been applied and my account remains delinquent in XXXX.
Product: Credit reporting or other personal consumer reports

Transunion has no proof meaning wet signature that Im responsible for these accounts called XXXX XXXXXXXX XXXX XXXXXXXX showing on my credit report therefore they need to be removed immediately according to the Fair credit reporting act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have a FTC Affidavit that I submitted to the consumer reporting agency but they have refused to remove the fraudulent account. 

I have no knowledge of the accounts and requested EQUIFAX and the alleged creditors XXXX XXXX XXXX XXXX XXXX XXXX  to provide me with information regarding their decision and they are violating my consumer rights by refusing to provide me with proof. 

I wrote to Equifax on XX/XX/year> regarding their decision that the accounts were allegedly verified. 

Equifax falsely claims to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is not sufficient verification for identity theft. If Someone fraudulently used my information without my authorization then clearly numbers in their database will match up but this method of verification is not lawful proof of the debt. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.