23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2020, I applied for an online equity loan via Figure Loans. Figure gives an address as XXXX XXXX XXXX. in XXXX XXXX, CA. The process sounded easy, and Figure does not require appraisal. Instead, they base your home value on XXXX estimate, which was XXXX for my home. After submitting my information, Figure declined my loan request, mainly because of my home value. They valued my home at XXXX. I called and a supervisor gave me a convoluted explanation that did not explain the difference in value. I think this is a scam to collect personal information, and ding your credit with an inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with " DPT EDXXXX '' and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 


DPT EDXXXX XXXX Balance : {XXXX} DPT EDXXXX XXXX Balance : {XXXX} DPT EDXXXX XXXX Balance : {XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information submitted with Equifax. this has been an ongoing issue that needs to be resolved. checking my file all of that data is invalid. please review an remove the items listed to help fix my credit report asap.
Product: Credit reporting or other personal consumer reports

Experian ( The XXXX XXXX XXXX ) is obligated by the FCRA to report accurate accounting. I have brought attention to all inquiries reported were fraudulent. Experian ( The XXXX XXXX XXXX ) had 4 days by law to remove such items from my report. Fraud report was filed via FTC in regards to such consumer report. I am now requesting Experian to provide such documentation used to determine such inquiries were indeed authorized by such consumer, Experian has 15 days to provide me with the name of the agent spoken to, documentation used, application with consumer wet ink signature. Consumer is not requesting an e-Oscar report, if Experian does not have documentation to show these inquiries were in fact authorized by such consumer items shall be removed asap. Experian is liable under the SEC to follow certain rules and guidelines. Experian ( The XXXX XXXX XXXX XXXX commission file number XXXX, in conjunction with ( XXXX XXXX XXXX XXXX XXXX commission file number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will be filing form 211 treasury omb forms to audit consumer account due to the fact Experian ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are securitizing consumer data and still refuse to provide such consumer a copy of my CONSUMER FILE when requested and not the CONSUMER REPORT.
Product: Debt collection

i was told by so XXXX XXXX that collection activity would start 60 days after the date of the final bill which was XX/XX/XXXX -- barely a week later I was contacted by ic systems who started by asking personal verification questions .. I acknowledge i am XXXX and asked more than once who she was and what her call was in reference to she continued to sate it was a personal confidential matter and asked for more verification questions I told her I was in public and would not spout off persona info. I asked her again for the company info and stated I would block the number form calling me if she did not answer my questions she did not so I hung up in her face. In an age of fraud and identity theft and phone scams I doubted this was even a legitimate call until I called back in. I do not wish this company to contact via phone at all .. not at all until the time frame specified by the gas company
Product: Credit card or prepaid card

THE FIRST PROGRESS SECURED CREDIT CARD IS NOT DELINQUENT. FIRST PROGRESS OWES ME MONEY. I CLOSED, MY ACCOUNT, WHILE MY BALANCE WAS LESS THAN XXXX DOLLARS. THIS IS A SECURED CARD, WITH A XXXX DOLLAR LIMIT. I AM OWED MONEY. FIRST PROGRESS HAS CHARGED-OFF MY ACCOUNT. FIRST PROGRESS STATES THAT I OWE OVER XXXX DOLLARS. FIRST PROGRESS SHOULD OWE ME, A LITTLE UNDER XXXX DOLLARS.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was asked to complete a transfer through Cash App to XXXX XXXX for {$700.00} and another {$100.00}. The money was supposed to be coming from a check that was given to me to deposit at XXXX  XXXX XXXX {$1000.00}. I was given a total of 3 check from a source that insured me they were legitimate documents. On XX/XX/XXXX I was asked to send {$700.00} dollars to XXXX XXXX using the same platform Cash App. I was contacted by XXXX  XXXX XXXX that the checks I deposited were not good and were charged back to my account, I contacted both parties through cash app and requested they return the money. XX/XX/XXXX, I sent a request to XXXX XXXX and XXXX XXXX both request was declined. I contacted cash app via phone and on the platform for assistance in getting the users to return the money, but cash app team would not assist. I informed them that their platform was being used for fraudulent scams, and these were the users, and they did not assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

A complaint was submitted in XX/XX/XXXX regarding incorrect reporting of late payments on my credit report. The response from Dovenmuehle Mortgage , Inc., XXXX, is not following the rules of the Cares Act. As indicated in my original complaint, my payments are being reported as past due after entering into a payment modification relief program that is part of the federal Covid relief and in the state of Georgia called the XXXX program. My loan was current at the time I entered into the program and was then reported as late while I was going through the approval process. I was approved for the program and my loan was modified and payments made to be current in XX/XX/XXXX. I am disputing the response from XXXX as they are not following the rules and limiting the protection of my credit as not being qualifying as I was not in forbearance. The definition of what mortgage assistance is included in the credit protection in the Cares Act is much broader and includes my situation as is defined specifically in the Cares Act and also specifically indicated on the XXXX XXXX XXXX XXXX website, https : //www.ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/summary-coronavirus-aid-relief-and-economic-security-cares-act, as follows : Credit Protection During COVID-19 ( XXXX ) : The CARES Act requires credit reporting agency data providers, including credit unions, to report loan modifications resulting from the COVID-19 pandemic as current or as the status reported before the accommodation unless the consumer becomes current. This requirement applies throughout the period of accommodation. Loan modifications may include, but are not limited to, forbearance and modified payments. This requirement applies only to accounts for which the consumer has fulfilled requirements of the forbearance or modified payment agreements. This protection is available beginning XX/XX/XXXX, and ends 120 days after enactment, or 120 days after the date the national emergency declaration for the coronavirus is terminated, whichever occurs later. 
Please correct my credit report with all of the credit bureaus to show all of my payments paid on time and never late including the payment of 30 days late for XXXX, 60 days late for XXXX, 90 days late for XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX XXXX XXXX  via regarding the accuracy of the charged-of account that they're reporting to the Transunion and XXXX. 
More specifically, my concern is : 1.This account is only reporting charge-offs in my payment history from XX/XX/XXXX to XX/XX/XXXX. 2. All my good payments history has been deleted from XXXX up until this account was charged off in XXXX. 3 XXXX is reporting a charged off in XXXX and XXXX, Transunion is not. 4 I made a payment in XXXX, so XXXX shouldn't show a charge off in XXXX. 5 How can there be only charge offs reporting but no 30, 60, 90 day lates?? 6 XXXX is reporting a removal date of this account XX/XX/XXXX and Transunion is reporting a removal date on XX/XX/XXXX. This is confusing, there can only be one removal date. 7 The date of first delinquency is not reporting. This account is incomplete, inaccurate and unfair therefore it must be deleted. 
Also, I asked for validation and verification under the FCRA to insure the accuracy of this account and was denied by XXXX XXXX XXXX  for this information which is a violation under the FRCA and th FDCA. See Creditor response letter to verification request.
Product: Student loan

Mohela has taken over my loan. It has been a disaster dealing with this company from day one. Between bad confused customer service people, to misinformation or lack thereof. Receiving information in regards to forbearance I didn't request and now receiving emails requesting me to do a plan with no explanation to my status. I made a payment a couple of days late, due to my bank kicking it out, they acknowledged the payment then charged me a second payment on top of that payment made. I paid it because I didn't want it reported to my credit. I feel stress all the time because I have not confidence in this servicer. Additionally, with the current status politically, I feel anxious about this going the wrong way. I don't have money to hire a lawyer to help me with this. All I wanted to do is ; educate myself to get a better paying job which never happened and now I am a XXXX  citizen caught up in a debt I can't pay.
Product: Debt collection

This company doesnt have the legal right to collect on this alleged debt. I have repeatedly asked for them to identify the debt owner so that I may communicate with the original debt owner. This company hasn't validated the debt. I do not have a contract with this company SLS.
Product: Credit reporting or other personal consumer reports

this is in regard to Capital one credit cards and The date of the first delinquency that you have does not match the date that I have under 15 USC 1681 BE. tHEY MUST PROVIDE maximum possible accuracy and I am taking into consideration that the CFPB will be suing as well. I am also requesting full disclosure XXXX of my profile
Product: Credit reporting or other personal consumer reports

I want to settle XXXX % of my balance.
Product: Credit card or prepaid card

On XX/XX/XXXX my mother, informed me that her account was blocked and she was made a aware of this when she tried to purchase her medication at the pharmacy. I assured her I would resolve this for her as she is XXXX and has her limitations. I will keep this as short as I can. 

Turns out there was a judgement to place a hold on her account by a collections agency claiming that there is a debt in the amount of {$8400.00}. However, this hold is allegedly because of me and not her. I am a signor in her account therefore they went after her funds. I find it odd because I have my own personal account, but they went after hers. I fought and fought about this because I have no recollection of this so called credit card debt and I also was never even served by them. I demanded they mail me documents supporting this accusation and received an affidavit dated back on XX/XX/XXXX. Surely I would remember being served with something such as this 5 years ago and I would have definitely filed an identity theft claim back then. 

They are savages and I went to the civil to file an order to show cause and also have a court date XX/XX/XXXX to have this dismissed and vacated. My poor mother does not have access to her funds that are 100 % to her ownership, I am only the signor in case I have to do something for her on her behalf but these are NOT my funds but they sure went after her money. As of now I will be filing a police report. Thank you in advance. 

XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX
Certified mail XXXX XXXX XXXX
Equifax showing late payments never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Below are the following US Code violations these entities have committed. 

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Payday loan

Rapid Cash on XXXX XXXX XXXX and XXXX in XXXX, OR is where I have taken out many payday loans. I got to the point where I could not pay and I had XXXX out for {$330.00} = {$670.00}. I called ahead of time to make payment arrangements and they refused to work with me. I was told that the transaction would have to go to my bank and once returned would then make pymt arrangements. I had stop payments put on my account beings I knew I would not have the money. The payment was stopped on XXXX but not the other beings they ran the payment as a different name.If a customer wants to make arrangements why would they want to cause all these fees for someone that wanted to pay but needed to make payments does not seem right
Product: Credit reporting or other personal consumer reports

Back in XXXX a dispute with the XXXX was initiated and completed with a XXXX company the company close the account absolved me of the responsibility and agreed to remove the account. The company did state it would be at the bureaus discretion in the letter it lists that if I provide the information to the bureaus, they should remove it, but the creditor can not Per the letter I reached out to all three bureaus XXXX of the XXXX made the proper adjustments and deleted the account however, XXXX has been making it very hard. This has been going on since XXXX. I just completed a dispute in XX/XX/XXXX where they changed the remarks which affected my score negatively despite this is now XXXX years and too old to remain on my report it seems they barely did any investigation because that would have been the first reason to remove it in exactly 7 days. It would have been XXXX years from the closed account as well as I have letters and documents from the creditor and lender saying this can be deleted at this point I am interested in hearing about my options. I can take against XXXX as this is the only bureau that has repeatedly given me issues removing this and its now affecting my score negatively I just took a hit and now I can not apply for business loans after XXXX years of building my credit to the XXXX that its at now .. as stated in the attached document in the last section, it is at the Bureau discretion to remove the account from my credit history. However, they chose to add a remark that affected me negatively. Is there anything I can do legally to make this right if I need to speak to a lawyer, I will because this is getting out of hand and its like the bureau is moving the goal for all the progress. I am trying to make.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 reporting, credit repair services, or other personal consumer reports

on multiple occasions I've tried to access my Equifax credit report online via the my.equifax.com only to not see any information, I'm directed to call customer service, I do so then I'm put through a series of questions to verify myself, I do so, I'm told some information is incorrect, I explain to them the issues with the information they have incorrect is my date of birth, they want me to send more identification such as my social security card and drivers license, I'm currently aware of their data breaches in the past so I'm not comfortable with this process where as I've sent this information along with my dispute letters recently as XX/XX/2021, This issue has been noticed since XX/XX/2021 and I've tried a total of 4 phone attempts to rectify this issue only to have copies of my credit report to be sent to my home. on one occasion I somehow got the verification questions good enough to gain access and be told I would be able to see online credit reports on my.equifax.com only to be disappointed still to this day XX/XX/2021 I can not access my online profile I can't see my Equifax scores on XXXX, XXXX XXXX, my.equifax.com, XXXX XXXX monitoring app, or XXXX after I've disputed items reported on my credit report I start having issues accessing my credit report
Product: Debt collection

I had a debt that was sent to XXXX XXXX from Sallie Mae. I settled the debt out with paying less than I owed last year in 2021. I received two 1098- E statements issued for the amount {$3300.00}, but with separate Lender Name 's and TIN. I am unsure which one I should use to file my taxes, which I have been transferred several times and have gotten no where. 

XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MA XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX Why would I receive two 1098E statements for the same debt. Also, I received a 1099C on the canceled portion of the debt, but per Notice XXXX that lenders are not required to, and should not, issue Forms 1099XXXXC when certain student loans are discharged. Lenders and their servicers should act now to review their tax reporting procedures for compliance with the Notice. 

Based off review of the notice, it pertains to private student loans, which this company collected on behalf of Sallie Mae, which would considered a private student. The company issued the 1099C, which would impact my taxes and cause me to have to pay taxes on the canceled amount.
Product: Checking or savings account

On XXXX I had opened a new checking account with Santander Bank, N.A. I had used a promotional code to set up my checkings account to receive a bonus of XXXX $ after haveling a direct deposit of XXXX or ore in the first 90days of opening the account. I did reach the limit and I waited the full 90days. Now it is well beyond 90 days and I still have yet received my promotional agreement. I did reach out before my 90days where met and they did confirm my account would qualify for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX, Account # XXXX XXXX & XXXX, Account # XXXX XXXX & XXXX XXXX, Account # 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
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a vehicle through financing with Navy Federal Credit Union. After the purchase, Navy Federal requested that I sign a promissory note online. I declined and requested a physical promissory note to be mailed to me. Despite agreeing to this, Navy Federal never mailed the document. Nevertheless, Navy Federal began withdrawing a total of {$1600.00} from my account before I had signed any valid promissory note, in clear violation of UCC provisions regarding negotiable instruments.

To resolve the issue, I visited a Navy Federal branch, where I was provided with a one-sided, invalid promissory note, which included the phrase " applicant retained this copy. '' Despite this note clearly being incomplete and invalid under UCC 3-104 ( which requires a valid, complete note for enforcement ), Navy Federal continued to treat it as binding. I endorsed the note with paid to the order of Navy Federal Credit Union without recourse, releasing myself from liability, and mailed it via certified mail. Navy Federal accepted the document but continued to demand payments without addressing the invalidity of the note. 

Under UCC 3-305, Navy Federal did not possess a valid instrument that would entitle them to enforce the terms of the loan, as the note provided was incomplete and one-sided. Their actions in withdrawing funds without a valid, signed promissory note constitute a direct breach of their obligations under UCC 3-301 ( Person Entitled to Enforce an Instrument ). 

Due to these unauthorized withdrawals, I was left unable to afford legal action and faced significant financial harm. These withdrawals also damaged my credit score, as Navy Federal continued to report the loan inaccurately, despite having no valid signed contract in place. 

On XX/XX/XXXX, I discovered the existence of a valid promissory note, which I had never signed. Navy Federal never provided me this valid note, yet they acted as though I had agreed to its terms. This is a further violation of UCC 3-104, as the original document I endorsed was invalid, and Navy Federal misrepresented the legal status of the note. Despite this, they continued reporting incorrect information to the credit bureaus, causing ongoing harm to my credit. 

I now possess : The signed, invalid promissory note ( provided by Navy Federal ), which contains the statement " applicant retained this copy. '' The valid promissory note ( discovered on XX/XX/XXXX ), which remains unsigned. 
I am uncertain whether I am under a valid contract for the vehicle, and Navy Federal may have improperly used the invalid promissory note for fractional reserve banking without ever rectifying the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Going over my Equifax report I see two delinquent accounts that are identical, this account should be listed once, not twice. Also, this account is showing that I have not paid the balance of {$290.00} when in fact this debt has been paid IN FULL in the form of my state tax refund. The account is as follows : XXXX Opened XX/XX/2017 Original Creditor - Virginia XXXX XXXX XXXX Amount - {$290.00}
Product: Mortgage

My XX/XX/XXXX mortgage statements if payment is received after XX/XX/XXXX a XXXX late fee will be charged. my payment was sent by express mail on XX/XX/XXXX and delivery was attempted at XXXX on XX/XX/XXXX the attached document shows. 
my payment was there before the designated day and I was still charged a late charge