23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I notified mortgage company XX/XX/2021 that the taxes have not been paid on several properties and I was at risk of loosing a tenant due to this being behind, taxes are due on XX/XX/2021. I notified the company several times after that I was at risk of loosing a tenant and the taxes needed to be paid asap. Taxes were not paid and I personally made the payment on XX/XX/2021. Weeks later company sent a check to make this payment after I informed them I personally make this payment and requested that they refund this amount to my escrow account. To date they have not refunded XXXX i personally paid for taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made several attempts to obtain my credit report thru annual credit report.com but I was unable to get  XXXX  of my reports Experian and  XXXX . My conformation number for  XXXX  is  XXXX  report date was  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX  address.  XXXX    XXXX   XXXX    XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX
Product: Mortgage

My lender keeps advising that the reason they can't offer me another plan is because I failed my last modification. I never had a loan modification back in XX/XX/2020. It was a repayment plan. 

I am just asking them to properly review my loan. I have been waiting for over a year now asking for help from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report continue to show incorrect and false information for me. My credit was used previously in the past fraudulently and I want to prevent this from ever happening again. I have been trying to have my name and address corrected on my XXXX and XXXX credit report but the incorrect information still remains.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$40000.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

My personal information was compromised and used to open fraudulent accounts and obtain goods and services in my name without my knowledge or consent. I have filed FTC reports for identity theft and contacted HARVEST ASSOCIATES Ito remove this account which was a result of identity theft and they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

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

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


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

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

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

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

While XXXX in the XXXX XXXX XXXX XXXX XXXX  XXXX as an XXXX XXXX my vehicle was in storage on XXXX XXXX in Florida. XXXXXXXX XXXX XXXXXXXX XXXX who at the time had a contract to perform wrecker services at XXXX XXXX went onto the XXXX  and stole my vehicle from the XXXX  's storage lot. 

UNITED STATES DISTRICT COURT NORTHERN DISTRICT OF FLORIDA PENSACOLA DIVISION  Case No. : 3:16-cv-00713-MCR-CJK DANIEL ENSLEY, Plaintiff XXXX v. 
GENES WRECKER SERVICE, INC., Defendant. 

This case was processed under the Service Members Civil Relief Act ( SCRA ) and the plaintiff ( myself ) won the case ( Vehicle was stolen in XXXX and amended final judgement entered on XX/XX/XXXX ). XXXX XXXX XXXX XXXX closed their business to avoid paying out the court ordered judgement and to avoid being held accountable to Carmax as it related to them acquiring the vehicle and hiding this from Carmax by requesting a new title for the vehicle. Both myself and my legal representation informed Carmax of the case as it progressed and Carmax made no reasonable effort to aid or to do their own due diligence to protect their investment and their vehicle, by their own laziness and ineptitude they pinned the loss of the vehicle on me and " washed their hands of it '' to avoid the effort that would have been required for them to protect their vehicle and their consumer. 

This case can be found with an online search of the case number.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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: Debt collection

Diversed adjustments attempted to collect debt from consumer. Had no contract with this company and they can not verify the alleged debt. It is now being reported to the credit bureaus with no verificationz
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I Recently my credit report and found inquiries that i did not initiate along with an account from XXXX XXXX. I Submitted an FTC report and am now demanding deletion of these fraudulent accounts, as they have damaged my creditworthiness caused me anxiety and mental stress, impacting me from utilizing my credit. 

IN PURSUANT TO 15 USC 1681C-2 a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I Will also be seeking compensation for the damages caused to me. 

Defamation of Character : {$1000.00} Mental Stress : {$1000.00} Impending Usage of Credit ( Creditworthiness ) : {$1000.00} for a total of {$3000.00} IN PURSUANT TO 15 USC 1681N Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person 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 ;
Product: Credit reporting, credit repair services, or other personal consumer reports

At the change of the year XXXX our payment amount changed because of a change in the escrow amount, but my account was set to auto withdraw from my bank account. When I received alert that it was delinquent ( by a nominal amount ) we contacted the bank and were given a solution which involved moving excess money that they held in escrow onto the payment, and we were told this was the solution. It was still reported to credit agencies as a late payment and has significantly impacted my credit score. My actual payment was never late, and we followed the instructions given by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following itemXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : -, XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXXXXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : {$940.00}, XXXXXXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXXXXXX Balance : {$3000.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$2900.00}XXXX XXXX XXXX XXXXXXXXBalance : {$2900.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00}, XXXX XXXX XXXX Balance : {$2300.00}, U S DEPT OF EDXXXX Original creditor XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$1800.00}, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX  Original creditor XXXX XXXX Balance : {$860.00}, XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXXInquired
Product: Debt collection

Starting in XXXX of 2020, I contacted XXXX about falsely reporting an amount to a collection agency. They reversed the amount XXXX Early Termination fee ). They told me that I would need to pay the balance unrelated to an ETF, which I did. They informed me they would pull back from the collection agency. I have disputed the account through all 3 credit bureaus and Franklin Collection Agency still shows up on XXXX. Per XXXX  I have a XXXX balance and they don't understand why Franklin Collection Agency shows a balance. I have called FCA and they tell me they can't remove the balance, because it is still showing on their end. I have exhausted all efforts. This was false reporting to begin with and they are still showing on my credit report.
Product: Student loan

I have 3 separate loans on my credit report showing to be from Navient. With one late payment showing for each of them for the month of XX/XX/XXXX, in which I was not aware of. I emailed the CEO on XX/XX/XXXX and asked if the late payment could be removed, because one I was not aware that a payment was due because I was under the impression that my student loans were in deferment, and two I had to take a semester off from school because I had XXXX. Later on the same day I received a call from XXXX XXXX stating that she was going to look into the situation for me. I had not heard anything back so I emailed again on XX/XX/XXXX and on XX/XX/XXXX, I received another call from XXXX XXXX stating that the payment reporting late was not going to be removed because they sent me emails that, the payment was due. I let her know, that I never received an email and I never received any type of notification in the mail, because if I did I would have gotten the situation squared away, she then preceded to get an attitude saying that weather the emails went to spam or not she was not going to remove the late payment, and no nothing was ever sent through the mail because all correspondence was being sent to email. I then sent another email, and contacted someone else the same day and asked if someone else could look into this for me, because I feel as if the situation is not ethically right. Not one email, letter in the mail, or phone call did I receive from Navient. And now they have reported to all 3 credit bureaus that I have a late payment with them.
Product: Mortgage

On 2017 i lost my high paying job and relize i coundnt pay the same house pay i was paying so i ask for loan mod, but was turn down so i hired a Layer to no avail, my back pay was XXXX XXXXnow its XXXX
Product: Mortgage

Nationstar Mortgage discontinued sending my monthly statements two months ago for no reason. I have contacted them several times only to be assured that they will be promptly continued, then nothing happens. Their customer people are rude and unhelpful. In reading their reviews online, it is apparent they are doing this to many other clients in an attempt to generate more late fees. I am hoping you can help me with this matter.
Product: Payday loan, title loan, personal loan, or advance loan

I was at XXXX XXXXXXXX XXXX XXXX getting my car fixed and the owner brought up a payment. Plan from a company called Easy Pay Finance. He had me sign an online document to get installments of {$190.00} biweekly. I was told that there would be a bit of an interest rate after 90 days if my loan wasnt paid off by then. I only had {$2400.00} to pay off and I assumed the {$190.00} biweekly would pay it off within the 90 days however, the finance company made it so that I barely hit my mark by the 90 days and charged me an interest rate of 173 % along with several other fees. Instead of starting the interest rate on the 90 days, they took {$960.00} out of the 2000 that I had already paid and put that towards interest, then charged me {$9.00} every single day that I dont pay the {$2400.00} off. Mind you I had already paid {$2000.00} but when they took the XXXX away it made it so that I still had {$2000.00} left to pay. I am a XXXX XXXXXXXX XXXX  working full-time and still barely making ends meet. I found out about this in late XXXX, a few days after the interest kicked in. I called the company and theyre not willing to work with me and told me theres nothing they can do about it. I had {$2000.00} almost exact to pay from XX/XX/XXXX I believe when I last called them. After never missing a payment of {$190.00}, I still have {$1000.00} left to pay. At this point I might just starve because I literally cant afford anything else. Please. I need help. This isnt at all fair. After looking at the reviews it appears that everyone that used this finance company has been bamboozled out of thousands of dollars from a small loan amount. We all need justice. Again this company is called Easy Pay Finance and it preys on people who cant afford things and makes it so that they will never make it through a paycheck without being in debt. I couldnt even access my contract. Ive tried many times. XXXX XXXX XXXX XXXX and I have no idea how to get out of this dilemma. I dont want my hard earned good credit to be effected by this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Hope someone can hear my cries and help me with this " XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1800.00}. 
I've called Experian and XXXX  asking them to remove this XXXX  they refused. I tried to contact XXXX  and asked how can I resolve this? They want me to pay for something I have no knowledge of. I lived in Florida for a few years I found out Florida is very high and # 1 when it comes to stealing other people Social security number. I had to put a freeze on my credit at one time I now removed the freez. 

Thank you, XXXX Bless you!
Product: Credit reporting or other personal consumer reports

Thank you for removing some of the incorrect items from my file. However, several items still need to be addressed. I am a victim of erroneous credit reporting and am disputing certain entries that do not pertain to any transactions I have made or authorized. Please remove the following items from my credit file : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXXEquifax : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$820.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} XXXX XXXX XX/XX/year>. These items are not recognized by me. Additionally, some of this information has been removed by other bureaus, raising concerns about its accuracy. The payment history reported on these accounts is also unfamiliar to me. As per FCRA 605B ( c ) ( 1 ) ( C ), you have the authority to remove these entries.
Product: Mortgage

I was unable to pay the property taxes and flood insurance in  XXXX  of    2016  and asked the lender to pay it and give me a payment plan to repay it. Called numerous times, wrote many letters, received no direct response to my request other than letters telling me that since I was obligated to pay taxes and flood insurance and had not done so, they would put my home in foreclosure.
Product: Debt collection

XXXX company has sent an account for collections to XXXX XXXX, a debt collection agency. I have been trying to explain to Convergent that I HIGHLY disagree with the charges as XXXX is making false statements about the nature of the debt. This situation is deeply troubling because I have been in escrow for my first home and they are about to cause me great financial harm by jeopardizing my loan prequalification. I will not hesitate to hold them responsible for any financial damages incurred due to this situation. 

Since I am in escrow, I am also cornered into settling this account post haste without having adequate time to dispute this account and " fight it out '' with XXXX. I have been trying to come to a resolution with Convergent that would resolve this account and remove the account from my credit report. They keep regurgitating that they do not " pay for delete '' which is NOT what I am requesting. Since it seems they only read from pre define scripts they are not able to address my concerns appropriately. This is deeply troubling, my stress level is through the roof and I need assistance from somebody regarding this unfortunate situation that is occurring.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax, XXXX, and XXXX and I noticed an unauthorized credit inquiries had been made. 

I contacted Equifax, XXXX, and XXXX, who conducted the inquiry and asked them to remove their credit inquiries from my credit report. 

I request that you investigate the inquiries listed on my credit report to determine who authorized the inquiries. If you find my allegation to be true once your investigation is complete, please remove the inquiries and send me an updated copy of my credit report. 

If you find the inquiries referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

Unauthorized on XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX US SM BUS ADMIN ODA - XX/XX/XXXX XXXX - XX/XX/XXXX Unauthorized on XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX Unauthorized on Equifax XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX # XXXX - XX/XX/XXXX Thank you for your assistance in this matter
Product: Mortgage

I have started receiving monthly calls stating that I need to contact Mr Cooper even though I have not been late on any payments. They most recently left a voicemail saying that I needed to contact them within 24 hours regarding my account ( which was in no way delinquent ) and provided a number which didnt even work causing considerable panic and stress on us. They indicated that they had been instructed to contact us by the loan holder and refused to stop making these un necessary harassing calls.
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. 

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 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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. 15 U.S.C. 1681B ( 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.