23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My property at XXXX XXXX XXXX, XXXX, CA XXXX is serviced by Ditech Financial. XXXX XXXX  XXXX, my originator, sold this loan while I was in a confirmed plan with XXXX XXXX Bankruptcy Court, a clear violation. They sold my loan without identifying that the property was included in a Chapter XXXX Reorganization - with a Debtor in Possession status. 

I have received a Demand for {$68000.00} for erroneous accrued mortgage payments from Ditech. 

I have received a threatening letter from Ditech 's attorney entitled " Notice of Appearance and Request to Receive Notices '' which is attached, enjoining the US Trustee, XXXX, CA and my Bankruptcy attorney of record. Then I received a letter entitled " Notice of Sale of Ownership of Mortgage Loan by XXXX XXXX XXXX XXXX, also attached. 

My letter response to Ditech 's attorney 's is a Cease & Desist and addresses the payments made and confirmation status and to stop this harmful and illegal collection, a clear violation of the Confirmed Plan and federal bankruptcy laws. 

Upon further examination, these correspondence look like scams, and as a victim of illegal foreclosure, I am both, compelled to respond but also I am skeptical of the validity of these threats, backed up by Internet content that says specifically XXXX is a total scam. 

I am filing this complaint to put XXXX XXXX on notice, to Cease & Desist this illegal collection and violation of my confirmed plan, to get their attorney under control and to provide me compliant accurate loan accounting. Furthermore, this complaint seeks to expose the action by XXXX XXXX XXXX XXXX and demands I receive my official mortgage agreement that identifies the legal mortgage holder, terms of the loan, and appropriate adjustments on the loan as a result of the Chapter XXXX confirmed plan terms. 

This all looks like a set-up for illegal foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently switch from XXXX to XXXX. However after i connect with a girl named XXXX  to end my services with XXXX. The next day i received a notice that XXXX made a hard credit inquiry check. The inquiry was done without my consent. They have done this too back in XXXX  Why would they pull my credit unless there's something inside the company doing illegal stuff. 
I hope this hard inquiry will be removed as it has harmed my credit score. 
Additionally, i never missed a payment to loan nor to bills. The upcoming bill for XXXX is due in the XXXX of the next month. All this doesn't make sense.
Product: Checking or savings account

This is directed to XXXX XXXX in reference to CFPB complaint # XXXX I understand banking terminology can be very difficult so let me teach you about terminology. 
First off, an XXXX transfers are transfers from bank to bank, external transfers. 
XXXX XXXX XXXXXXXX Another source XXXX transfers include external funds transfers, person-to-person payments, bill payments and direct deposits from employers and government benefit programs. Business-to-business payments are another one. ( nerdwallet.com ). 

You wrote, " Records confirm the deposit of {$5000.00}, made on XX/XX/XXXX, was an external transfer from an account held by you at XXXX XXXX. '' Again, external transfers are what an XXXX transfer is. I am astounded that they allowed you to spew this gibberish and nonsense. 

Im happy to send a demand letter for what I am owed. Since you directly explained what an XXXX transfer is, said that I did that, and then said that I was not eligible for the bonus. 

I would highly recommend you speak to someone in your department that is competent and banking regulations and terminology. As of now, US Bank is in breach of contract which would warrant legal action.
Product: Credit reporting or other personal consumer reports

My credit information was apart of several data leaks that exposed my information. My information has shown up on the dark web as well as many other places including addresses, email info and password information. I received scammer calls daily now because of the data info leaking. XXXX acknowledged that the security failure persisted for nearly seven weeks, between XXXX XXXX, XXXX and XXXX XXXX, XXXX. I believed to also be involved in the XXXX XXXXXXXX XXXX XXXX data leak as well. I also believe that my data was leaked in the XXXX XXXX data leak.
Product: Credit card

I filed complaints against Syncrony bank and in retaliation they lowered my credit card limit
Product: Debt collection

There are numerous inquires on my credit report i did not authorize. 

XXXX XXXX Date : XX/XX/XXXX XXXX Informat Date XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX   XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Debt collection

I have been paying XXXX for a private student loan since XX/XX/XXXX and on XX/XX/XXXX centeral portfolio control sent me a statement stating I owed them the original debt.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account Name : XXXX XXXX XXXX  Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. Repeatedly reporting C/O every month. Every time the account updates the statute of limitations is extended, every update makes the account look newer than it is. Reaging the account is illegal. Additionally, the information reporting is inconsistent across bureaus.
Product: Credit reporting

I have requested in writing over a dozen times for the last year that Experian remove some incorrect addresses from my credit file. I was a victim of identity theft and still disputing some items on my credit file. Experian has ignored most of my request to remove the incorrect addresses on my credit file indicating that they were accurate addresses belonging to me. I also requested that they send me proof of this explanation from their company or the company who reported the incorrect addresses. I still have not received any documentation to prove I resided at or that I am affiliated with the above mentioned addresses.
Product: Payday loan, title loan, or personal loan

OneMain Financial failed to update the payment due on the second Wednesday of each month as previously approved causing my checking account to be overdrawn. 

On XX/XX/2022, OneMain records show a payment made on the second Wednesday. 

On XX/XX/2022, OneMain presented the payment which previously was approved to collect on the second Wednesday of each month. 

On Monday, XX/XX/2022, I called the Office saying not to present the payment until Wednesday, but OneMain intentionally claimed to be paid on XX/XX/2022, causing overdrawing of the account. 

Such abusive treatment is not acceptable.
Product: Checking or savings account

They locked my card because they wanted to check the veracity of a charge from over a week ago.
Product: Money transfer, virtual currency, or money service

Anytime I access my Mobile account or maybe not every time but some of the time there is either someone in there changing things or causing me to have problems trying to do anything transfer money anything my brother from what I hear is trying to commit fraud with my account and my information of course this is how what he told me but I just want to make sure that everyone know that this is happening so that way I can combat the fraud I do know that he breaks into my phone all the time and I have no way to stop him the opposite I have problems with is Cash out chime and my Chase account
Product: Money transfer, virtual currency, or money service

I contacted my bank over a year ago XXXX, they have tried to reach out to BMO. BMO has not responded to XXXX. XXXX has asked that I reach out to BMO, which I have. 

My money order was stolen and cashed on XX/XX/2021 for the amount of {$290.00}, claims have been filed, but not responded to.
Product: Mortgage

My wife and I filed a application for mortgage modification XXXX  2017. I was a sent a letter requesting documentation ( please see attached ) I sent the requested information and was informed by Select Portfolio Servicing that no foreclosure proceeding would take place during the modification process. Approximately 2 weeks later we received a Act 91 notice of default and foreclosure. We have provided all the documentation requested as told to me. I have spoken with numerous people and each person request different information in different formats. One person recently informed me she did not know what a COLA ( cost of living increase adjustment ) from Social Security.
I am fully XXXX and live on a fixed income, my wife works and her aunt resides with us and pays us monthly rental income. We have every intention of remaining in our home and have no where else to go, our credit is poor and renting will cost us more than our mortgage each month.
I feel that SPS is stalling in order to foreclose and take our property. We have fallen behind on our mortgage due to numerous circumstances primarily my XXXX  and inability to work fulltime. I have since obtained XXXX and combined with my wife 's income can now manage our mortgage payments but need the arrearages modified over time. Please help me in getting this resolved.
Product: Student loan

I was denied extended repayment option based on incorrect information. My loans were disbursed between XXXX through XXXX. Nelnet claimed wrongly in their communication to me that my loan was awarded prior to XXXX.
Product: Debt collection

Commercial Acceptance Corp 's XXXX, PA office contacted multiple of my children. They were not party to the debt and it was disclosed to them that Commercial Acceptance was attempting to contact me. CAC has my correct phone number and I am having my mail forwarded, as I recently moved. The debt is associated with a medical charge and a dispute with my insurance company. I believe their actions were overly aggressive and not in conformance CFPB rules and regs.
Product: Money transfer, virtual currency, or money service

Hello, This is my second complaint about PayPal and the second time they have held our fundraising dollars XXXX. They will not release our funds until we sign onto their " Giving Fund. '' If we don't sign onto this fund, they keep our money for XXXX days until they send a check. I have tried at least XXXX times to fill out the form but I keep getting an error message. I spent over an hour on the phone with a representative who couldn't do anything but " fill out a ticket. '' When I finally received an email from PayPal I again followed the directions but got the same error message. I would like our funds released. Thank you.
Product: Mortgage

I was XXXX to XXXX for the past year. During that time I was late on some mortgage payments. Wells Fargo has credited back all of my late fees however they will not remove them from my credit. These lates are causing me to not be able to refinance my home ( cash out refi ) so that I can pay off all my bills.
Product: Student loan

I was never told the correct way to manage my account to someday get loan forgiveness. Actually feel I was steered in the wrong direction year after year!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading information that Mohela has reported to the credit bureaus regarding my student loan account. Specifically, my credit report reflects inconsistent and inaccurate late payment reporting, in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) and the Fair and Accurate Credit Transactions Act ( FACTA ).

1. Violation of Accuracy Requirements ( FCRA 623 ( a ) ) Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of credit information must ensure that the data they report is accurate and complete. However, my Mohela loan account reflects : Payments reported as current one month, then jumping to 90 days late the next without a proper progression ( i.e., 30, 60, then 90 days ).

Inconsistent reporting that does not reflect the reality of my payment history.

This constitutes inaccurate credit reporting, which is strictly prohibited under the FCRA. Any misrepresentation of my payment history can result in legal liability for Mohela.

2. Failure to Notify Before Reporting Negative Information ( FCRA 623 ( a ) ( 7 ) ) Under 15 U.S.C. 1681s-2 ( a ) ( 7 ), Mohela was legally required to notify me before reporting any negative information. However, during the time period in question, I was incarcerated and unable to receive any such notification. Because I was not given a fair opportunity to address or dispute these late payments before they were reported, this constitutes a violation of my rights under the FCRA.

3. Incorrect Late Payment Reporting and Consumer Protections ( FCRA & FDCPA ) According to 15 U.S.C. 1681c ( a ) ( 5 ), negative information should be reported fairly and accurately. Additionally : Late payments can not be reported arbitrarily or inaccurately in a way that misleads lenders.

If a servicer reports payments inconsistently ( e.g., skipping from current to 90 days late ), this is a form of inaccurate furnishing of credit information, which is subject to dispute under FCRA 611 ( 15 U.S.C. 1681i ).

4. Request for Immediate Correction Based on the above violations, I demand that Mohela : Correct and remove any inaccurate late payment history associated with my account.

Provide proof that Mohela accurately reported my payments and notified me in compliance with federal law.

Immediately update the account to reflect an accurate and complete history as required under FCRA 623 ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My first payment for this loan was due XX/XX/2017. I set up an automatic payment for {$300.00}. As you can see, it was deducted from my checking account. It also says " current '' on my credit report but STILL marked as 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 reporting or other personal consumer reports

I am writing to file a complaint against Equifax for reporting inaccurate information on my credit report. I have attached a screenshot of the inaccurate information. 

Crucially, both XXXX and XXXX, the other two major credit reporting bureaus, have already removed this negative information from my credit reports. This discrepancy in reporting violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ). This section of the FCRA mandates that all consumer reporting agencies ( CRAs ) maintain " substantially similar '' information. If one CRA reports inaccurate information, it creates a significant disparity and can negatively impact a consumer 's credit score.

15 U.S.C. 1681e ( b ) : This section outlines the reasonable procedures that CRAs must follow to ensure the accuracy, completeness, and timeliness of consumer information. My attempts to dispute the inaccurate information with Equifax have been met with inaction, indicating a failure to adhere to these reasonable procedures.

15 U.S.C. 1681s-2 : This section addresses the obligations of CRAs to investigate and correct disputed information. Equifax 's persistent refusal to correct the inaccurate information on my credit report constitutes a violation of this section.

15 U.S.C. 1681i ( 5 ) : This section, as mentioned earlier, mandates that CRAs maintain substantially similar information. Equifax 's failure to remove the inaccurate information while other CRAs have done so directly violates this requirement.

15 U.S.C. 1681c ( c ) : This section pertains to the permissible purposes for which consumer information can be furnished. By maintaining and reporting inaccurate information, Equifax is potentially furnishing information for impermissible purposes, such as denying credit or employment opportunities to consumers. 
I have been actively trying to fix my credit and have sent multiple letters to Equifax, but their continued non-compliance with these crucial sections of the FCRA is hindering my efforts. 

Recent Lawsuit : I am aware of the recent lawsuit filed by the CFPB against Equifax. This lawsuit further highlights the company 's pattern of disregarding consumer rights and violating the FCRA. 

Immediate Removal : Given the clear violations of the FCRA and the substantial harm caused by the inaccurate information, I am requesting that the CFPB order Equifax to immediately delete the inaccurate information from my credit report. 

Thank you for your time and attention to this matter.
Product: Debt collection

I am writing to formally dispute the information currently associated with my accounts. It appears that there are inaccuracies regarding the status of my accounts, specifically concerning the merging of files and the characterization of my payment history. 
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 reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
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 heck 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 XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

i recieve the same robot voice message from diffrent phone numbers, " hello, we are calling with an important message from recivalble management partners llc dba rmp services llc, this call is from a debt collector, please call XXXX " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i had filed a complain and the company replied that it was a wrong number & they stopped calling BUT NOW THEY STARTED AGIN WITH THE SAME TACTICS,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported negative inquiries on my consumer credit report from other companies. Equifax obtained information from someone else and took information from someone else without my knowledge. 
Under the U.S. Code 15 1681 ( b ) - Permissible purposes of consumer reports its against the laws and a violation. I did not give my written consent or permission to Equifax to report those inquiries to my consumers credit report. No consent is identity theft and identity fraud
Product: Credit reporting or other personal consumer reports

There is a fraudulent account on my consumer report that I am highly displeased with. I was trying to get a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to get a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 5 16815-2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to get my family a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a woman by the name of XXXX XXXX who is now married and her name is now XXXX XXXX. She lives in XXXX Minnesota and she has been using my name in social security number to rent houses and apartments. I have tried several times since 2012 to reach out to this young lady and ask her to stop. Her only words to me was prove it. I have all the addresses which is attached with this complaint.