23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Thank you for taking the time to hear our concerns. This is in regards to an elderly gentleman who has nothing. He is trying to sell his house and has NO equity, yet the servicer will not review him for any type of workout. We are having an issue with the Servicer of this mortgage. This house was listed prior to us coming into the picture and no offers were presented. It is a short sale. The list price of XXXX was far too high for the amount of work needed, but we came in to work with this gentleman, sent in a new listing agent and got an offer. We sent in the offer on XX/XX/2018. On XX/XX/XXXX, we were informed that the Investor was countering the Buyer at the amount of {$710000.00} which is the remaining balance of the loan. We sent SN Servicing Corporation several documents from the Listing Agent who included a letter explaining factors affecting the value of the property. We also sent them a copy of the MLS Sheet that detailed the listing history of the house. The house was initially listed at {$670000.00} with another Listing Agent earlier this year. It was on the market for 60 days and garnered NO OFFERS. Bare in mind that the first list price of {$670000.00} is less than the {$710000.00} counter and value that SN Servicing is insisting that the property is worth. 

The current Listing agent, XXXX XXXX, re-listed the house at {$270000.00} and even then, only one serious offer was garnered out of the house being on the market. 

SN Servicing corp wants the full value of the loan. Mr. XXXX does not have this money. He was not even given any options for loss mitigation. He has tried to work with SN Servicing for quite some time and they continue to just say no, that they want the full amount of the loan for the short sale and hell never get that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( XXXX ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 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 ], 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 information is inaccurate.
Product: Credit card

Beginning in XXXX of XX/XX/2016 I submitted several letters to all XXXX credit reporting agencies. Each time I have received different responses. I asked that the account be removed or at least put into dispute within 30 days of the letter as required by law. Not only was this not done, I was declared dead by the credit card company, then told I was alive, and then told there was never an issue about my death and therefore the matter was not in dispute any longer. I resubmitted letters in XXXX, XXXX, and XXXX and each of them had to address a different issue. First they said they could n't find a record of my account. Then they said I owed the money and finally they went back to saying they could n't find the account. However, there has never been a dispute placed on any of my credit files and as such, I believe these cards and the negative reports should be simply removed. 

XX/XX/2016 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim My Account was charged off.. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Debt collection

I was contacted by XXXX and they were attempting to collect a debt from Continental Finance. A company with a history of using illegal practices to take advantage of consumers. I explained that I do not owe this debt and the account was paid in full as part of a debt consolidation. They are reporting this debt with a false original creditor. I have attempted do dispute this and they will not put up the correct original creditor. I only assume because they know Continental Finance was sued by the CFPB and want to use deceiving tactics to not allow me to dispute the information on my report correctly. Upon research I found that Continental Finance was ordered to pay all effected consumers of the illegal practice by direct payment or account credit including credit to collection accounts. If I have a valid debt XXXX would have applied this credit to my account. They basically did n't acknowledge my dispute and they continue to report this on my credit report as an original loan from " XXXX XXXX XXXX '' this is not even a real company I have researched and XXXX XXXX XXXX said they are not the same XXXX XXXX and they habve no affiliation with XXXX XXXX for debt collection. XXXX seems to be wanting to tarnish my credit by keeping this on my report as a different lender.I do believe Continental Finance is not allowed to effect consumers reports do to the illegal practices. I only asked that they give me more detail in order for me to pay this debt XXXX will not give me anything validating this debt and they told me that they did not and do not have to pay for detailed account information in order to attempt to collect on the debt. Basically I am a name on a list with social and and contact info. They also said my account number was changed from a XXXX to XXXX which is the reason I do now have records of it.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX CAD from my Coinbase account to XXXX at the instructions of the scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX  Balance : {$310.00} ; XXXX XXXX XXXXXXXX XXXX : {$560.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquries on my credit I did not do or recognize
Product: Debt collection

While in the process of buying a home, my loan application shows the amount of {$1200.00} owed to XXXX XXXX XXXX. I called and the representative could not locate my account using name, address, or ss #. I have never received any information from XXXX XXXX XXXX, nor do I have any unpaid medical bills.
Product: Checking or savings account

On or about XX/XX/2022, I received XXXX notices dated XX/XX/2022, from Truist Bank stating either my account was declined or approved for overdraft protection. Each of the notices included a different account number none of which were authorized by me, or anyone authorized to open an account on my behalf. 

On XX/XX/XXXX at around XXXX XXXX, I contacted Truist Bank and the representatives I spoke with were unconcerned with the error. I first spoke with XXXX, who later in the conversation changed his name to XXXX, from a call center in the XXXX. I later was transferred to XXXX XXXX XXXX XXXX XXXX who also was unconcerned with the error. I was then transferred to XXXX who transferred me to the Fraud Department, and I spoke with XXXX. XXXX was the least interested in the fraud and refused to assist me unless I provided my full SSN. I informed him that I did not initiate a business arraignment with Truist Bank and have no knowledge of the company, therefore I would not provide my SSN. 

Truist Bank appears to operate in a deceptive manner and is unwilling to address concerns with potential fraud in the banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like my credit file corrected.
Product: Vehicle loan or lease

Santander financed a car that I purchased in XX/XX/XXXX. The maturity date was XX/XX/XXXX. I had problems paying for the car in XXXX because of XXXX. The Government asked for the bank to give an extension to customers so the bank gave 6-month extensions. In a phone conversation concluded that the last payment will be in XX/XX/XXXX. I made my last payment and I received a bill for over {$6000.00} I don't know what that is for. I thought that was a mistake I asked to correct the mistake, they said it was my bill. The date on the statement was XX/XX/XXXX. I struggled to pay for that car I am retired now I have no way to pay for the car now. I want my title because payment is completed.
Product: Payday loan, title loan, or personal loan

Acima has broke the law due to denial of my own credit
Product: Credit reporting or other personal consumer reports

Today XX/XX/ I received a XXXX XXXXXXXX credit card in the mail that I did not apply for. I checked my credit report and on XX/XX/2024 a hard inquiry was made my XXXX XXXXXXXX and added to my credit score. I did not apply for a XXXX XXXX card and am very concerned about this.
Product: Mortgage

the reply from freedom mortgage makes no sense to me, the loan modifical would put me in a better position, with a lower payment and a fixed rate. the payment would not grow bigger than my XXXX check. i am a XXXX veteran. just looking for a tiny bit of help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on fixing errors in my credit report from XX/XX/2020. I have been having a really had time with the response times from the three major credit bureaus XXXX, Transunion and XXXX. I have asked for validation for several accounts that are reporting with errors on my report. The accounts are XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX. I have sent a total of 4 letters to each bureau dating XX/XX/20, XX/XX/20, XX/XX/20 and XX/XX/20 I was under the impression that the bureaus have 30 days to respond it has been 4 months with no response from the bureaus. I would like to resolve this matter as soon as possible.
Product: Debt collection

XXXX XXXX XXXX claims I owe XXXX XXXXXXXX XXXX XXXX {$1800.00} from XX/XX/XXXX. I have NEVER had such account. I sent papers asking them to verify. They did not. They filed a civil case against me ( XXXX ) XX/XX/XXXX. I again answered that asking for verification. They sent only my name and address back. Had a bench trial XX/XX/XXXX - XXXX - XXXX county court house - Judge XXXX - Judge asked lawyer ( Atty XXXX ) for XXXX XXXX XXXX to verify. They could NOT. CASE WAS DISMISSED. I have, on numerous times, contacted XXXX XXXX XXXX - C/O Resurgent capital services - XXXX XXXX XXXX - XXXX, SC XXXX - ( XXXX ) XXXX, asking them to REMOVE the collection from my credit report. I have contacted XXXX and XXXX also several times and disputed the collection. I CAN NOT GET IT REMOVED FROM MY CREDIT REPORT. This is not my account and I should not have it on my credit report.
Product: Payday loan, title loan, or personal loan

Late fees assessed improperly. I called i n 2015 to in quire about changing the billing date of my personal loan payment and was instructed that I could do thi s three  times throughout the loan. I then went online and changed my auto-payment date, thinking that would have the effect of changing the official payment date, but it did not. Since I was using auto-pay, I did n't know I was being assessed a late fee every month, despite not being told at the time I changed my auto-pay date that this would not change my official payment date. The total late fees assessed were  XXXX  x {$39.00} = {$390.00}. Once I realized this occurred, I called and the customer service rep was authorized to refund  XXXX , leaving an outstanding balance of {$270.00}.
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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft I was a victim of Transunion " inquiry issues '' I tried contacting Transunion to resolve the issue & have the negative inquiry reporting removed, but customer service would not take care of it The inquires that need to be removed are listed below 1. XXXX XXXX XXXX 2. XXXX/XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX
Product: Credit card or prepaid card

I was recently denied my own credit on XX/XX/22 for an apple card from Goldman Sachs Bank Usa. XXXX XXXX XXXX XXXX which is adverse action under Equal Credit Opportunity Act. I exercised in good faith Pursuant to 15 usc 1691 ( a ) ( 3 ) when I filled out my credit application for an apple card. Pursuant to 15 usc 1602 ( e ) I, the natural person credit is my right. Pursuant to 15 usc 1602 ( f ) I am the original creditor who regularly extends credit. My credit card was used pursuant to 15 usc 1602 ( l ) in this consumer credit transaction which is an open-ended credit plan. Goldman Sachs Bank USA did an unauthorized use of my credit card Pursuant to 15 usc 1602 ( p ) at which I the card holder receive no benefit. I have sent a letter certified mail to Goldman Sachs Usa, XXXX XXXX XXXX XXXX demanding my right to my own credit.
Product: Checking or savings account

I submitted a claim to XXXX XXXX due to a problem I had with a flight and I had a insurance which I bought using their website. The XXXX XXXX costumer service team reviewed my claim but, I never received the refund and I been waiting a couple of days. So, since the period time frame passed I called my bank and I submitted a dispute about the refund. Bank of America provided the refund to me the next business day. However, after a couple of days I received a letter in the mail requesting proof of the emails or information stating that XXXX XXXX issued a refund. Nevertheless, I submitted all the emails and information they sent me stating that they were going to refund me partial of what I paid {$360.00}. On the other hand, after I submitted all the information and everything, Bank of America sent me a letter that the refund they gave me will be reversed to my bank account. This is ridiculous and unacceptable because I have proof of what XXXX XXXX sent me. Therefore, the solution I want is for Bank of America to delete the negative balance I have in a bank account closed since they didnt believe the documents I provided.
Product: Mortgage

Due to a layoff of employment, I missed some payments on my HELOC. I filled out a hardship application in XXXXXXXX XXXX but was declined as I was on unemployment for my only income and Key Bank stated that they could not use unemployment income. I then gained full time employment in XX/XX/2022. I re-applied for a hardship, and again was declined due to XXXX. This is an interest only payment and the amount that was owed could not have been more than {$1800.00} in total. During my conversation ( XX/XX/2022 ) when I was told it was declined, I asked what was the past due amount in order to be current on my loan, because I may have had enough by that time to bring the loan current. I was told that they could not give me that information because they had sent it to a foreclosure attorney already. 

My 2 biggest issues is that I was not given the option to pay it in full at the time it was expressed to me that my hardship application was declined, and secondly, it was sent to a foreclosure attorney before I was even given the opportunity to appeal it. This is true for both the dates and also I had not received the appeal paperwork before it was sent to the foreclosure attorney. 

I believe these motions were not necessary and unfair. This was not a large amount of money that I was behind on and believe I was not given fair options to resolve it before sending it to a foreclosure attorney which will also cause me to incur additional financial hardships due to legal fees and additional bank fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are incorrectly reporting late payments for each loan account listed on my report for the months of XX/XX/XXXX- XX/XX/XXXX. On XX/XX/XXXX the Federal Trade Commission issued an advisory opinion in which it renders a decision on the interpretation of Section 623 of the FCRA ; it states, A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. See attachment For further reference the FCRA section 623 ( a ) ( 2 ) states : ( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determi- nation and provide to the agency any corrections to that infor- mation , or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my account XXXX {$2000.00} paid balance in full {$430.00} Was never late! for 4 years .Not only did they add a dollar after closure in the month of XXXX on a closed account they are reporting me 60 days overdue with {$100.00} in oustanding fee balance