23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX, bought home in XXXX XXXX, XXXX XXXX, through ShellPoint Mortgage Servicing. I live in XXXX, had the home as a second home with plans to retire. I signed a 15 year mortgage, paid {$460.00} per month for the {$53000.00} mortgage. Coming up to XXXX, when the mortgage should have ended, it never did. I contacted them, they told me I signed a 30 year mortgage, not a 15 year mortgage. They then sent a document to me that is odd, in block letters, and looks fake to me that says I signed a 30 year mortgage. I am concerned and believe this is a fake document. 

They are saying I owe another 15 years on this mortgage which I do not believe to be true. That being said, I continued to pay it for fear of losing the house. 

Last year, in XXXX, a tenant in that home was not paying the rent, and I went through processes in North Carolina to get the tenant out, and therefore fell behind on that mortgage. I did get caught back up. 

Now in XXXX, I received paperwork that I did not get caught up, and they sent my XXXX mortgage payment back to me and won't accept payment. They say I have to now send them 7 full payments before they will accept any more payments from me. They are now threatening to take action to take the home. They are also telling me to declare bankruptcy.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1682 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C1682c. ( 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, 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: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. COMENITY BANKXXXX Opened XXXX XXXX, 2019 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA COMENITY BANK/XXXX  has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am a single parent trying to raise XXXX children. I recently checked my credit score. I have a few hard inquirys i never  authorized XXXX  XX/XX/2020, XXXX/XXXX  XX/XX/2020 and it appears on my credit report I never authorized anyone to run my credit on said dates and i did not try to apply for these cards nor did I ever with said companies. This is fraud and I would like removed from my credit file and to all credit agencies unless you can show me a document stating and showing me where I signed & gave permission. I have no relationship with either company. I also see there are Derogatory Marks the first one XXXX  which is on behalf of XXXX I don't owe them anything they are mistaken, XXXX on behalf of XXXX XXXX   they are mistaken. anything involving those 2 companies they were paid and it was resolved and no where near that amount of money. XXXX and XXXX  both on behalf on XXXX XXXX  pretty sure that one is also something not authorized by me. I am asking under the fair credit reporting act for these to be looked into and to be removed from XXXX, XXXX, experian and any reporting companies. Thank you for you time. I have also attached to photo 's so you can see what I am looking for to be removed as it is all inaccurate information which is hurting my credit score
Product: Mortgage

I am having trouble with getting my mortgage company to pay a past due tax bill from last year. I purchased my house in XXXX of XXXX. I bought parcels from 2 individuals, a brother, and a sister. The sister owned the parcel that the house sits on, but the brother owned the property on either side of the house. I am escrowed to pay taxes on all 3 parcels. Last years tax bills were in the two separate individuals names. The closing broker, who I assumed was representing my mortgage company, as no one from my mortgage company was there and he had me sign all closing documents, set it up for MY mortgage  company to pay both tax bills from both the brother and sister for XXXX. The brothers tax bill includes a parcel of land that I do not own, so I assume that is why they are refusing to pay it, but my land is also on the bill. They are escrowing me for multiple parcels, and have only paid taxes on one. I have had 8 communications with the company, all of which I have made. They refuse to call me back or make contact about how we can fix this problem. 

XXXX I called and spoke to someone about the tax bill ( per my closing attorneys instructions ), she said to mail the bill and it would be taken care of. I mailed the bill, thinking it was paid. 

In XXXX, the seller reached out to me because he was getting delinquent letters about the bill never being paid. 

XXXX-I called and spoke to someone about the tax bill, he stated that I needed to e-mail it to them, I did. No communication was ever received from that phone call or e-mail. 

XXXX called again, spoke to manager this time. He put in an " escalation request ''. ( On XX/XX/XXXX I received an e-mail saying this request was resolved, but e-mail did not include resolution, nor did anyone ever call to speak to me. 

XXXX called and spoke to XXXX, who hung up on me and never called back. I called a second time and spoke to XXXX, who put me on with manager XXXX, she said she could see where there were multiple inquiries. One note said the tax dep said the consumer ( mortgage company ) should reach out to the client, yet I still never received any communication. She submitted an escalation request from which I still have not received any communication.

I also e-mailed on this date asking for a phone number of someone I could speak to in the tax dept, I recieved no communication. 

XXXX-I e-mailed my 7th inquiry about tax bill, still no communication. 

XXXXRecieved an escalation request was resolved e-mail. No further information or communication XXXX spoke with XXXX in customer service, who had me speak to her manager. She stated she would have a higher up manager call me. Still no communication.

I understand we are in a very strange year during the pandemic, I am a  XXXX XXXX who works in a XXXX XXXX no one understands this better than me. But being blown off and treated like I did something wrong is very frustrating and I have spent hours trying to fix this problem I did not create and am begging for someone to help me with it. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX, 2017 I received a notice from " XXXX XXXX '' at XXXX XXXX XXXX XXXX, WI XXXX that stated I was approved for credit and had ordered something, but did n't say what, and that my order could n't be processed until I paid them 50 % of the order or {$480.00}. They said that was a down payment and once that was paid they would ship my order. 

I did not apply for this credit and I did not order anything. This is either a scam or someone trying to use my name for identity theft.
Product: Mortgage

On XX/XX/22 I received an email alert from my bank that funds had been withdrawn from my checking account by Lakeview Loan Servicing LLCin the amount of XXXX XXXXresulting in a negative balance. However, documentation I received earlier from this company ( dated XX/XX/22 ) stated that my 1st mortgage payment would not be due until XXXXhaven recently ended forbearance under the CARES Act and utilizing a FHA COVID-19 Partial Claim. 

When I contacted LakeviewXXXX  regarding this discrepancy, the summation of responses from 3 different agents, ranging from customer service to escalation team members was : 1 ) Bank-drafting automatically restarted once my Partial Claim made my mortgage current 2 ) The best they could do to resolve their mistake is reimburse me with a paper check and mail it to me, which would take XXXX business days. 

With the1st payment due date being documented and set as XX/XX/22, it was wrong for those funds to be withdrawn before that. Lakeviews suggested resolution to mail a check with such delay is inappropriate because of their culpability ; while their error currently prevents me from paying bills, as my bank account is now far in the negative! 

Lakeview Loan Servicing LLC ( and XXXX ) erroneously but conveniently withdrew money out of my account ; they, like millions of other persons and businesses, demonstrate the capability to instantly transfer funds. To be told that they could not do this to rectify such a grievous mistake is an insult and bad business. Lakeview also has once overnighted documents via FedEx for me to sign and return to them, showing that they also have the capability to move swiftly when they want ; even when it involves using the postal service. Lakeview Loan Servicing LLC should rectify the mistake they caused by quickly reimbursing me via money transfer or overnighting a check and also covering the fees incurred from bills that could not be paid because of their debacle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian and XXXX regarding student loans from XXXX that are 13 yrs old and 8 yrs old that are showing closed on my credit file. I have dispute a number of time explain that this information is old/outdated and should not report on my credit file as this information is outdated. on XXXX/XXXX/XXXX I have spoken to US Department of Education and XXXX and Experian Regarding this outdated account and Us Dept of Education tell me that this account is no longer in there office and has been forward to a outside collection agency.They tell me that this information should not even be on my credit file since it so old and outdated. XXXX and Experian are tell me its on a 30 day cycle to be investigated and then they already tell me twice back in XXXX XXXX and XXXX XXXX that I dispute this information that it has been investigated as accurate. The fact is that these several account are way over 7 years old and are in Violation of the Credit Reporting Act Laws.
Product: Credit reporting or other personal consumer reports

Forewarning, I don't remember exact dates and I am lacking in oriented proper documentation. I was ignorant and have since learned to keep all documentation when dealing with banks. This was at the beginning of my financial learning and boy, has it been a big lesson. My name has also changed since the occurrence from XXXX XXXX to XXXX XXXX. 

In the year of XXXX I opened a high yield savings account with Citi Bank and deposited {$2000.00} into the account. I thought that since I had the high yield savings with them, I should open a linked credit card with them as well. I used the credit card and had a balance of around {$700.00}. I then tried to pay my credit balance with my savings balance to no avail. They told me that I needed to link an external bank account to pay the credit balance. It took many tries with chats, calls, and emails to try and add an external account. They started continously asking for a mailing address that wasnt a XXXX XXXX and I informed them all I have is a XXXX XXXX that mail can be sent to. Eventually in that last conversation I had with them, they suddenly told me that my account was being closed and they would send me a letter informing me of why. I XXXX got upset, cut up the card, and just " gave up ''. The letter they sent me stated that my account was completely closed due to fraudulent activity. When I got back up and tried to make efforts to pay my balance again, my account " didn't exist '' and they couldn't track it using my name or my SSN for some obscure reason. I then started getting emails warning me of my overdue balance and was able to pay it online through that email. Again, I thought it was over and was willing to just give up the {$2000.00} I had put in my saving to just be done with it. I paid a balance of {$860.00} on XX/XX/XXXX, which is the only receipt I really have thanks to my bank statements. However, now I am getting emails again saying that my balance is now {$1700.00}. I have no idea how that amount accrued as I don't have a card or an account with them anymore as they say. I still have my login info for the online banking program but it doesn't allow me to log in saying that my account doesn't exist. I'm at a complete loss concerning what to do about this whole situation but it's affecting my credit and I've been working really hard to get that up to a good level over the past few years. Any help or advise would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of XX/XX/1974 the Privacy Act of XX/XX/1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 
15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Vehicle loan or lease

In approximately XXXX XXXX XXXX  I contacted my lender to request an extension or modification to my car loan. I had a death in my immediate family that caused me to miss a lot of work. This was a very hard time for me, and I was not ok. My lender told me that I could have an extension only after a payment was made. I agreed, not knowing my husband would lose his job within a month. I communicated and begged for help. I was always told we cant help until you make a payment. All the while I am getting further behind. We then had another tragedy in my family, XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX. I am still constantly communicating and sending every dime possible to American Credit Acceptance. I never intended to get behind, and honestly feel that if they had been more helpful during my initial calls this situation would be different. I tried to refinance my loan with a local community bank as well as a credit union. I was unable to do so because of my XXXX. When I purchased this car I was desperate. My cars motor blew ( it was a XXXX, and had a recall because of the motors but mine was just over the mileage requirements ), leaving me with no vehicle. I live in a very rural low income area with almost XXXX job market so I drive a considerable amount just to get to work. XXXX had a car with not too high of miles within my payment rangethey arranged financing, and didnt require a down payment. After the fact I find out that they did basically 200 % of the value on a massive interest rate for over XXXX  years. 98 % of my payment goes to interest, and I will end up paying over XXXX for a XXXX car. So Im stuck in a horrible situation. I continue paying as much as possible, and paid approximately XXXX from XXXX to XXXX, and was finally able to get a payment agreementI thought. They verbally agreed, and then agreed in writing, but never sent the papers that they require be signed. I requested the paperwork multiple times and got nothing. I kept calling, and was told well, you didnt send back the signed paperwork, and can only get a new arrangement if you pay. Its infuriating. I have also read hundreds of reviews from other borrowers with the same problem. This company preys on people who need auto loans but dont have the best credit.
Product: Mortgage

The latter part of XXXX, 2010, I got a Home Equity Loan from Bank of America for {$68000.00}. This man by the name of XXXX XXXX that has contacted me on XXXX had been contacting me for months and he said the was getting a loan from XXXX XXXX who was friend of his that XXXX XXXX was a consultant. XXXX XXXX called me several times by phone which he had a New York cell phone NoXXXX and a Texas Landline No. XXXX both which I still have. XXXX XXXX told me that he had contacts at Bank of America and that I had nothing to worry about at all. On XXXX XXXX, 2010,  XXXX XXXX called me stating that he had transferred {$67000.00}. to my Home Equity loan with BOA which it shows on my statement. Bank of America put a hold on these funds for TEN business days for the funds to clear. On XXXX XXXX, 2010, Bank of America released the funds as being good collected funds so I accessed them and did a bank wire as I was told over seas. I think since BOA put a hold on these funds for TEN business days releasing them as good collected funds then they should credit this back to my loan cause if they has not released the funds as being good then I could not have accessed them at all nor would I have accessed them either.I never heard of a bank putting a hold on funds for TEN business days then them not being good funds have you? I would appreciate your help please as this has been a nightmare for me. I have met with a NC State Senator on this issue too who passed a law 104 in NC because of my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Inquiry from XX/XX/2017During a standard review of my credit files from the three major credit reporting agencies I was dismayed to find an inquiry posted by YOUR COMPANY on XX/XX/2017 As you are probably aware, the credit reporting agencies regard inquiries as a statement of fact and will not allow a consumer to dispute them. They maintain that if the inquiry is on file then the company listed did in fact view the consumers record. 

Since it is unlawful under the Fair Credit Reporting Act for a person to view a consumer report without a permissible purpose I am writing this letter. 

I don't recall applying for credit or employment with DISCOVER From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

From the 1998 FTC opinion letter XXXX at http : //www.ftc.gov/XXXX : Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured. 

Also from the Fair Credit Reporting Act : 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 

Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of {$1000.00} to the name at the address listed at the bottom of this letter. 

I look forward to hearing from you to resolve this in an expeditious and amicable manner.
Product: Credit reporting 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, Account name : # XXXX Account name : # XXXX, Account name : # 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 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 informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX