23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The trouble with CitiMortagage began several years ago. I was XXXX. When the market fell apart, so did my income and I got behind on my payments. XX/XX/XXXX I started a new job at the company that used to sell me my materials. This job is indoors and offers consistent pay regardless of weather and the construction market. XX/XX/XXXX we started the process for a re-modification on our home. We were approved as of XX/XX/XXXX and set to make three ( 3 ) months of trial payments thru XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After completing this process we found that we had been denied due to some missing paperwork. A sale date of XX/XX/XXXX was set at this point. I complained to them about the fact that we had responded to everything they had sent in a very timely manner and that we had never received the papers they were referring to. They then sent the paperwork out, we had them signed and notarized and sent back in the same day. Then they told us that the previous paperwork had expired and we would need to refile everything we had done. She sent me the list and I got everything they requested sent off that same day. This all took place in XX/XX/XXXX. It was not until XX/XX/XXXX that they came back with an official denial of the re-modification. The reason they gave was that since I had to file for a re-modification twice in the same year they believed my situation had not changed. I was fully capable of making the payments and had done everything asked of me. It feels as though I am being bullied out of my home of 13 years. 
At the time of denial i was told that a short sale was approved. I contacted my realtor and we found a buyer and asked for a postponement in order to close. They have now denied the postponement claiming that I am not approved for a short sale. This was an FHA loan and I have been told that if a re-modification was denied that I am automatically approved for a short sale.
Product: Mortgage

I work at a XXXX XXXX  Rhode Island and this claim is being filed on behalf of a client. We were helping the client sell her property via a short sale. The complaint is against XXXX XXXX XXXX XXXX XXXX. Their phone number is XXXX You only have an option for XXXX XXXX XXXX. We went through the entire process with them and they went through their Mortgage Insurance Company who approved the short sale.

XXXX XXXX XXXX was the servicer. XXXX XXXX  is the Investor. After the MI Company and XXXX XXXX XXXX  were satisfied that our client deserved the short sale they directed me to XXXX, an online portal to work XXXX XXXX Short Sales. I have been working short sales with XXXX XXXX   since XX/XX/XXXX.

After going through the process my contact at XXXX XXXX said the short sale is approved and I could expect an approval letter from XXXX XXXX XXXX   within 5 business days. I was in constant contact with XXXX XXXX XXXX and I kept being told to expect the letter any day. This went on for 40 days. I finally got a call from a supervisor at XXXX XXXX XXXX  who said the MI company changed their mind. I contacted the MI who said they had not changed their mind. I escalated the matter with XXXX XXXX  who could not resolve the situation. Now there is a foreclosure date and our client wants the short sale approval that was promised so she will recover more quickly from this financial nightmare her ex-husband put her in. Any help would be greatly appreciated.

Please contact me for more information.

What would be a fair resolution to this issue?

For XXXX XXXX XXXX XXXX XXXX  to issue the Short Sale Approval as promised.

I want the CFPB to publish this description on consumerfinance.gov
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 Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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

Was paying state back taxes. Was notified by letter, debt collector IC Systems that a balance due was transferred to them to collect. No option to dispute was on the collection letter. I believe this fraudulent because, payments made to the state always include interest. The letter from IC Systems indicated the debt collection was interest only. Debt request is {$XXXX}, again with no option on letter to dispute. Ive attached a copy of the letters received from the state that shows payments did include interest
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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.

So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 

My information was sold and bought illegally because I was a victim of the + XXXX breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that! was in fact a victim of this data breach, exposing my personal and credit information which is allowing bad actors to attempt to open new credit in my name without my consent or knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I repeatedly asked TransUnion to verify bankruptcies XXXX & XXXXAfter months of written & phone disputes it come back as VERIFIED AS ACCURATE. THEN I ASKED FOR PROOF METHOD OF VERIFICATION. Bankruptcy Court do not share or VERIFY INFORMATION to any THIRD PARTY Or ANY CREDIT REPORTING AGENCY.,
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/XXXX, TD RETAIL CARD SERVICE add a hard inquiry on my credit report. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I went to the dealership shopping for a new car. l was approve with an extremely high interest rate so I checked my credit report again to see why my rate was so high. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I have reached out to the FTC and to my local police department and I am doing this on my own and need these items deleted from my report. XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. US DEP ED,  XXXX, XXXX XXXX XXXX XXXX XXXX. INQUIRIES : XXXX, XXXX
Product: Debt collection

I just received a collection notice in the mail on XXXX regarding a service that was done in XXXX by a XXXX office. The last bill that had been sent to me was in XXXX from the collection agency in which I believed I took care of. I had not received any bills post XXXX until XXXX of XXXX which is 10+ years later. They also stated that they had recently sent be 2 e-mails regarding this bill and after looking through all aspects of -email, including the spam and trash mailboxes, it did not show any e-mails from this company. 

The company that sent the collection bill 10 years or more after the service is Convergent Outsourcing Inc and the bill was regarding was XXXX XXXX XXXX XXXX XXXX in which they have no regard of me being there since back in XXXX as medical offices usually shred patient chart information around 7-10 years since date of service. Convergent Acct number is XXXX and the original account number is XXXX.
Product: Debt collection

I have a derogatory marks on credit report due to a collection agency Credit collection service. Whom has access to my personal information through account with progressive whom has no recollection of this account especially since I've have never owned a car or license to even obtain an insurance account. Neither company has provided proof or have any explanation on how this account ever existed and why it's on my credit report. I haven't done business with either of these companies and it shouldn't be effecting my credit report or should they have the right to pass my personal information without my consent to even include me with a debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report. I received a response stating that the accounts were verified. 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. It is obvious that XXXX has violated my consumer rights and not followed METRO 2 compliance and in violation of 15 USC 1681e ( b ).

I am requesting you provide ME ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 
Disputed items : XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Per FCRA you are required to provide this information within 15 days or DELETE AND BLOCK the negative items above from my credit report. Also, a copy of this letter has been sent to the CFPB as well.
Product: Checking or savings account

I received emails from Bank of America about an account being opened. I called and spoke with several employees about the fact that I never opened an account with Bank of America. Bank of America refuses to close my account unless I provide a copy of my social security card, my drivers license, bills, proof of residence, spoofing, malware, a copy of my social security statement. I am outraged The original person who opened up this fraudulent account did not provide all of this information Bank of America opened. I have also wasted XXXX days being on hold for at least XXXX XXXX hours to have the refuse to close this account. The other problem is I have my credit account frozen and fraud protection on it before this happened so Bank of America never contacted me before opening this account to a fraudulent person. I want my account to be closed so there is no further actions taken without my consent.
Product: Debt collection

Portfolio Recovery Associates failed to provide proof of authority to validate the alleged debt, despite a written request I sent on XX/XX/2021, to produce for my inspection upon demand as required by law, the original ( wet signature ) contract and agreement as evidence that they are, in fact, the holder in due course of the purported debt obligation. I have never entered into any agreement with or had any consumer transactions with Portfolio ; therefore, they are illegally trying to collect money I do not owe them because I am the original creditor. They also willfully committed fraud and identity theft by obtaining ( 8 ) credit card statements to show as proof of a consumer contract eight times. According to 18 USC 1028 ( a ) ) ( 1 ) Identity theft means a fraud was committed or attempted using the identifying information of another person without authority. I never gave Portfolio Recovery Associates, or it is affiliates permission or authority to obtain any IDENTIFYING INFORMATION regarding myself.

Pursuant to 15 USC 1692 ( e ) ) ( 10 ) a debt collector may not use any false, deceptive, or
misleading representation or means in connection with the collection of any debt. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Portfolio Recovery Associates on XX/XX/2021, sent a written correspondence to me trying to obtain my identifying information, which is a violation by law. I believe there is no proof to the contrary.

Pursuant to 15 USC 1692 ( d ) ) ( 5 ) causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number is a violation.

Pursuant to 15 USC 6801 ( b ) ) ( 3 ) protection of nonpublic personal information by Portfolio Recovery Associates was violated when they shared my location information with a third-party company. 

On XX/XX/2021, I sent a cease & desist letter, an affidavit of truth and an invoice to Portfolio Recovery headquarters. Unfortunately, they have yet to resolve this issue or compensate me for all the violations noted above.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, US SM BUS ADMIN OD.. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX, XXXXXXXX XXXX inquired on XXXX XXXX , XXXX inquired on XX/XX/XXXX XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX US SM BUS ADMIN ODA inquired on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a certified letter to Equifax that was received on XX/XX/XXXX USPS Tracking Number XXXX to dispute an old item and a collection that does not belong to me and all the inquiries are not authorized by me. There was no feedback from Equifax although the other credit agencies deleted the items.
Product: Student loan

On XXXX/XXXX/15 I paid ACS education services {$340.00} out of my checking account. Instead of taking out {$340.00} they took out {$680.00}. I have called them them twice to inquire about when my monies will be put back in my account and they state " 24-48 hours ''. I have yet to see the money in my account. I have other checks outstanding and if they do n't put the money back in my account, i will be penalized by my bank. What they did was theft plain and simple and they are dragging their feet to correct it. My account # is XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting MACYS DEPARTMENT STORES ( Opened XXXX XXXX, XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Checking or savings account

The complaint that Wells Fargo closed on XX/XX/XXXX as being duplicate is actually a new complaint. As a follow-up to complaint # XXXX, Wells Fargo mandated closure of our personal checking account ending in XXXX and opened a new personal checking account ending in # XXXX. This account was opened two weeks before this event ( payment of a counterfeit check ). We had not written any checks on the # XXXX account nor had we shared the account number with anyone. A counterfeit check was negotiated by Wells Fargo that overdrew the account. The check was an OBVIOUS FRAUD, yet Wells Fargo paid on it -- causing the account to be overdrawn. 

I expect Wells Fargo to provide written answers to the following questions : 1. The XXXX ( counterfeit ) check was written on a Wells Fargo Commercial ( misspelled " Commerical ' ) Disbursement Account, our account is a personal checking account. Why was the check negotiated? 

2. The name printed on the check is XXXX XXXX XXXX in XXXX, FL. This is not the information printed on our checks. Why was the check negotiated? 

3. The check number is XXXX. Our account had just been opened and the checks issued started with # XXXX, Why was the check negotiated? 

4. The signature is neither mine nor my wife 's, nor was there an attempt to mimic either of our names. The name of the person who signed the check is not an authorized signer on our account. Why was the check negotiated? 

5. The check overdrew the account by {$460.00} -- we have never overdrawn our account. Why was the check negotiated? 

6. Wells Fargo did not detect the fraud and stop it. On Saturday, XX/XX/XXXX, I got an email that the account was overdrawn. We were charged a {$35.00} overdraft fee which I got reversed when I closed the account. How could Wells Fargo miss this obvious fraud and assume we overdrew the account? 

There were a number of " red flags '' that Wells Fargo missed that should have caused them to reject this check? Since we have not issued any checks on this account and have not provided the account number to anyone, the investigation needs to focus on Wells Fargo and the company that prints the checks. I have already provided a copy of the letter dated XX/XX/XXXX from Wells Fargo Phone Bank which discloses our full account number and a form from Wells Fargo that discloses our complete Social Security numbers. A police report has been filed and I will provide a copy when I get it.