23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Since XX/XX/XXXX I've been trying to communicate with Planet Home Lending about the assumption & loss mitigation help since my father passed away on XX/XX/XXXX. The company has knowledge of the death and struggles on the mortgage payment for months now. I've sent mortage error and request letters to the company, along with other crutial documents that they have asked in order for me to assume and pay the loan. However, these several tries have been ignored by the company. I've been very diligent during the process of assuming the assets of my father and the company has decided to blantaly ignore my requests and even if they have evidence that I'm the only heir of my father, they decided to incur on legal actions despite my hardships and long months of tries and documentations I've sent. Along this complaint I include both the mortgage error and request letters which they were answered with the same letter four times already during these last 10 months. I also included a copy of the letter I have received multiple times. Despite them having almost, if not all, documents they are requesting, I have been denied : 1. Information about the loan, letters about the loan, payment options, help and debth relief, reinstatement information, etc.

2. Access to the account on their online portal, allegedly due to being behind payments 3. Change and the opportunity to update information related to names, personal data, address, phone numbers, etc. 
4. Opportunity to assume the loan 5. Opportunity to reinstate after obtaining my fathers economical assets These actions have damaged my opportunity to assume and live worry free at my, now, new home that my father left behind. I always tried and I'm trying currently, to get this crucial information and make these changes and payments. Due to their negligence and harmful practices I've been affected economically. They submitted a lawsuit agaisnt me even when they knew and know currently about my fathers passing and all the efforts I've made and I'm making to this day. 

Until XX/XX/XXXX I haven't received any information about the loan or a response to my loss mitigation request. On XX/XX/XXXX I spoke to XXXX XXXX XXXX about the loss mitigation request, she contacted me first via phonecall. After knowing I was on a legal process and that I had legal representation, she decided to not give me any further information about the loss mitigation request I submitted. She also denied sending the answer to said request. This clearly shows they are taking a hostile position, and I'm experiencing retaliation from Planet Home Lending. This is truly unacceptable and unprofessional from they're behalf. They are puting my home, life and safety at huge risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THE XXXX XXXX ACCOUNT ON MY CREDIT REPORT NEEDS TO BE DELETED. PLEASE PROVIDE ME WITH THE METHOD OF VERIFICATION AND THE PROCEDURE 'S DESCRIPTION WITHIN 7 DAYS. I WANT ALL OF THE DOCUMENTATION THAT YOU RETRIEVED TO RENDER YOUR INVESTIGATION THAT THIS INFORMATION IS REPORTING ACCURATELY. IF YOU CAN NOT PROVIDE THIS INFORMATION TO ME IN 15 DAYS, PLEASE DELETE THIS INFORMATION FROM MY CREDIT REPORT. 15 USC 1681i ( a ) ( 6 ) ( iii ) ACCORDING TO FCRA SECTION 6 0 5 B, IT IS ILLEGAL TO REPORT ANYTHING ON MY CREDIT REPORT WITHOUT MY PERMISSION. PLEASE REMOVE THIS NEGATIVE ITEM. LATE PAYMENTS REPORTED ARE A PRIVACY VIOLATION. THE LATE PAYMENT STATUS IS INVALID AND INACCURATE. YOU MUST HAVE MAXIMUM ACCURACY WHEN REPORTING. PLEASE DELETE. 15 USC CODE 1666B. SHOW SUPPORTIVE DOCUMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge... 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

wrongfuly evicted undermultiple TN codes for " failing to maintain ''. summoned twice. records are showing XXXX cases, all are showing open-unpaid. 

The law says the landlord isnt due money. 
The accounts were PIF. The lawyer refuses to state the client was paid in person XXXXmos ago. 

The company and corporate offices refuse to answer summons by XXXX co ( XXXX ) counrthouse. 
The courthouse refuses to answer appeals and casde information and in fact plays XXXX.I have an active supoenae, unanswered by the courts. 

This has prevented me from gaining lawfully maintained units repeatedly, as has unlawful unrequested file freezes and blocks I previously didnt ask for. My mail was repeatedly stolen and not forwarded. I have filed fraud charges XXXX XXXX pd, XXXX pd, and IDT.gov. companies do not care and report the slander anyways. same goes for my other credit accounts. information provided from companies is not accurate. I was never late and I hired XXXX XXXX on retainer for XXXX, which nobody wants to abide by. 

companies were told to notify XXXX. XXXX was in charge at said time for XXXX months last year.If I have to, ill hire another firm and pay cash for the case to enforce compliance, but my credit will reflect accurately the true nature of my credit- not what people are claiming. 

multiple companies are refusing to comply w fcra law. This is a felony act. I have filed multiple demands for correction over the past 12 mos to no avail.I have hired XXXX XXXX  and other organizations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following personal information that is showing for me which is incorrect. Please remove incorrect addresses because I do not reside there. Please remove incorrect name variations because those are not my legal names. 

XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Applied for regular mortgage through Bank of America, and on the application was denied due to lien on my current mortgage, but this is false. I do t have any liens on my current mortgage. They did a hard credit check, and was directed to call their mortgage specialist. So, basically the Bank of America home lending Dept. falsified my application. I got a message asking to call them. No approval for loan with credit score of XXXX. No email explanation, no letter sent. I have zero liens in my name.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The COVID caused my company to be shut down on XX/XX/2020 which left me unemployed. Synchrony bank knows of what happened since XXXX as I have ben keeping them abreast of my situation. I was also given extensions every 90 days. 

On XX/XX/XXXX, I was given a notice that my account was being closed and my credit was being destroyed by them. I attempted to speak with someone to explain the law and how the COVID rules should be enforced in which I was told to XXXX XXXX and we ended up in a shouting match with not one but 2 reps. They then both told me too bad and my account will stay closed. 

As a precaution I contacted the company who uses this as their main card Discount Tire who was very nice but in shock as they were not aware that Synchrony was closing their customer 's account without their knowledge.
Product: Debt collection

My capital one card was closed 2 years ago and written off. I have been receiving credit drops, because capital one sells the account to XXXX XXXX Capital one sold it for collections XX/XX/2020. I have XXXX knowledge of this report and it has dropped my points tremendously, Ive tried contacting the XXXX XXXX, but its takes weeks to get an response. Im hoping you can get this removed off of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX is showing up on my credit report and I do not know anything about this. I would like it removed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 XXXX 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. XXXX XXXX  XXXX 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

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving notices about data breaches with the credit bureaus I sent requests to get my reports and tried but was denied by all means including the free annual credit report. I feel as though all 3 credit bureaus have violated my rights to view my credit reports to see if there is any fraudulent activity that has occurred.
Product: Checking or savings account

I continue to have issues with former bank JP Morgan Chase Bank. As of XX/XX/year> I continue to receive multiple fraudulent alerts stating that an account ending in XXXX has been being used in transactions. I believe that Identity Theft has resulted due to improper use and disclosure to my account and or alleged accounts previously held by JP Morgan Chase Bank.

JP Morgan Chase Bank has initiated litigation of alleged money owed. JP Morgan Chase Bank has filed ( 2 ) civil lawsuits for debt.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX, I received a letter from the collection agency, The XXXX XXXX XXXX XXXX, stating that they were trying to collect a debt ( {$360.00} ) that I had with XXXX XXXX XXXX XXXX. ( XXXX XXXX XXXX ). And they will use any information I give them to collect the debt. Ref. # XXXX - My name as seen on the account : XXXX XXXX XXXX. 

Additional collection agencies whom I received the same type of letter : XX/XX/XXXX - XXXX  XXXX XXXX - {$570.00} ( Original creditor XXXX  XXXX XXXX. regarding XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX. - ref. # XXXX - {$320.00} - regarding XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX - {$320.00} - Regarding XXXX XXXX - Ref. # XXXX XX/XX/XXXX - Firstsource Advantage , LLC - {$710.00} Re : XXXX XXXX XXXX. - Ref. # XXXX In accordance with the Fair Credit Reporting Act, the list of accounts attached have violated Federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 section 602 A, states that I have the right to privacy. 15 U.S.C. 1681 604 A section 2 : States that a consumer reporting agency can not furnish an account without my written instruction.

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 7 years.

15 U.S.C.s 2 ( A ) ( 1 ) states a person shall not furnish any information relating to consumer t5o any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. See attached supporting document.
Product: Student loan

I have called Ed financial 6 times to try and payoff my student loans. Each time I call its a 500 minute wait. I have called and left a callback number however no one reaches back out. They moved the first payment day up to XX/XX/28 without notifying me from XX/XX/28. 
I ended up paying the entirety of my loan following their instructions on their website however they changed the owed amount after payment. The funds have also been taken from my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Transunion three times to dispute account status information each time the agents either took my information and disconnected the call or, promised to remove or fix such information. Again, Federal laws are being violated, this is my last attempt.
Product: Debt collection

XX/XX/XXXX I was sent a letter to pay XXXX from the remaining balance of XXXX. I have an agreement with waypoint from XX/XX/XXXX that the amount of XXXX would be considered pay in full. Now XXXX XXXX XXXX is looking for {$280.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXXInquiry - I wrote this company advising them I never applied for credit and never received a response back XXXX XXXX XXXX XXXX XX/XX/XXXX inquiry- I wrote this company advising them I never applied for credit and never received a response XXXX XXXX  XX/XX/XXXX- inquiry - I wrote this company advising that I never applied for credit and never heard anything back.
TD BANK USA/TARGET C XX/XX/XXXX- inquiry, Target advised me they would send a letter to the credit bureau to remove and has not been completed.
XXXX XXXX  XX/XX/XXXX- inquiry - I wrote this company onXX/XX/XXXX advising I have never applied for credit and never received any response.
XXXX XXXX XXXX XXXX XX/XX/XXXX I wrote this company onXX/XX/XXXX advising I have never applied for credit and never received any response.
Product: Credit reporting or other personal consumer reports

My identity was stolen and accounts were fraudulently opened
Product: Student loan

I applied to refinance my law school student loans. During the application process, I was asked if I was a lawful permanent resident ( " LPR '' ) or U.S. citizen, but the application did not specify that the company discriminates between types of LPRs. As an XXXX who has applied to remove conditions, I made the appropriate selection, submitted my application, and the company pulled my credit. However, I was denied for the sole reason that I am not a U.S. citizen or 10 year permanent resident. I believe this constitutes alienage discrimination in violation of 42 U.S.C. 1981 ; discrimination, in violation of the California Unruh Civil Rights Act 51, et seq. ; and obtaining consumer reports without a permissible purpose, in violation of the Fair Credit and Reporting Act, 15 U.S.C. 1681, et seq. ( " FCRA '' ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 602A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I have never been harassed as badly as I have from Wells Fargo. The first day my student credit card payment is late, Wells Fargo begins calling me daily. Today I have received 4 calls from Wells Fargo, 2 of these calls were made back-to-back. This is illegal under FTC guidelines and Wells Fargo needs to be fined. I also have a Checking account with Wells Fargo, which I have also been scammed out of over {$200.00} in overdraft fees. Wells Fargo will post charges to my checking account, then remove those charges the next day, and repost the charges in a few days after more purchases have been made. This is fraudulent activity and this bank needs to be investigated. I will be closing all of my Wells Fargo accounts very soon.
Product: Checking or savings account

Hello, since 2013 I have a savings account and a checking account, at Wells Fargo Bank. I live in XXXX XXXX, XXXX. My address information is loaded there. To save commissions, I requested that my checking account be closed and nobody warned me that if I did that I could not use my money because the debit card would be discharged. Now I am in XXXX I can not withdraw money or collect money and I could not pay to XXXX. I want to reopen the account but they tell me that it is personal that I must travel to Usa.
Product: Student loan

Hello, I am writing because due to the government court injunction Mohela moved my income driven repayment plan into the SAVE Plan and my public service loan forgiveness qualifying payments between XX/XX/XXXX to current have been deemed in eligible. However, XXXX and Mohela did nothing to notify me that my payments were not counting towards PSLF. 

During that time, I was unaware that these payments were in eligible and that I was placed into the SAVE plan. I have worked with the same nonprofit organization for the past 6 years and have dedicated my career to working with the community and a nonprofit in efforts to meet my 120 qualifying payments with the public student loan forgiveness program that said I have severely compromised my income by working with nonprofits for the majority of my career. 

I submitted my application to be placed back into an income driven repayment plan on XX/XX/XXXX and have yet to hear if my application is approved or not. 

During this time my livelihood is being jeopardized as my payments toward my public student loan forgiveness 120 qualifying payments are not counting. I have been on hold with federal loan servicing for a ridiculous number of hours just this month and can't speak to anyone. This does not feel fair as I have been committed to nonprofit work in order to better my community and intern pay off my student loans through the public student loan forgiveness program. I'm devastated that this issue has set me back at least four qualifying payments.

I insist that the eight payments made between XX/XX/XXXX and the present be retroactively credited by Mohela as qualifying PSLF payments. Failure to rectify this situation will result in further escalation. 

Thank you for your time, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023, I purchased merchandise with my PayPal credit card ( issued by Synchrony Bank ) for the total amount of {$170.00}. One item for {$30.00} and another for {$140.00}. The seller canceled the purchase for {$30.00} and issued a refund for the same amount on XX/XX/2023. The item, which cost {$140.00}, was returned to the seller and the seller issued a refund for {$140.00}, also on XX/XX/2023. The sum of both refunds is {$170.00}. However my PayPal credit card, almost two weeks later, still shows up with a balance of {$170.00}. This balance must be XXXX as I have two refunds totaling {$170.00}. This unjustified and discriminatory delay by PayPal Credit has caused me great concern and despair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my credit report following the instructions in the attachment section. 
Passcode to the 1099 XXXX
Product: Money transfer, virtual currency, or money service

Binance.US is preventing me from withdrawing funds since XXXX of XXXX and claims that withdrawals are " suspended due to risk management ''. I've attempted to contact Binance through email several times to rectify the issue ( since XX/XX/2021 ) and have received nothing more than a generic, automated response. There is no way to contact Binance.US via telephone. 

As of today, there is currently {$4100.00} in the account. At one time I attempted to withdraw funds, my portfolio value was approximately {$10000.00}. 

I ask for any and all available relief available to me.