23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/year>, application for mortgage assistance and supporting documents were filed with Selene Financial requesting a short sale. 
Between that date and XX/XX/XXXX, I was waiting for a review to see what was needed to continue this review On or about XX/XX/XXXX, I was told certain documents were needed by XX/XX/year>. 
I then emailed over those documents on XX/XX/XXXX and XXXX. Selene confirmed that they received them on XX/XX/XXXX. Since then I confirmed with various Selene representatives that the documents were received in their system. 
I learned that my file was closed because Selene didnt receive the requested documents before the deadline, which wasnt true. 
Since XX/XX/XXXX, I have not been able to reopen this matter or find a reason it was closed. My case was escalated various times to the short sale department, with no resolution. 
I even requested a supervisor call back, which happened, but no resolution came of it. I then requested to speak to the ombudsman department, and I was promised a call back, which didnt happen which is why Im filing this complaint. 

During this time, though, they have paused my foreclosure. If my file was closed then why was the foreclosure paused? What reason?
Product: Debt collection

Account Name : WAKEFIELD & ASSOCIATES ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2018 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Product: Credit reporting or other personal consumer reports

I am writing with deep frustration and disappointment after reviewing my credit report and discovering several fraudulent accounts resulting from identity theft. Among them is a XXXX XXXX, which I did not authorize. These accounts were added to my credit report without my knowledge or consent, causing significant damage to my credit. 

As a victim of the Equifax data breach, my personal information was compromised, enabling these accounts to be fraudulently created. Under 15 U.S. Code 6802, financial institutions are legally required to safeguard my personal information. Furthermore, 15 U.S. Code 6803 mandates that institutions clearly and transparently inform me of their data protection policies. These safeguards were not upheld, leaving my information vulnerable and misused. 

Additionally, as provided by 15 U.S. Code 1681c-2, I have the right to have accounts related to identity theft blocked from my credit report. These accounts must be investigated and either blocked or removed within four days of receiving this complaint, as required by law. 

These fraudulent accounts are causing severe harm to my credit, preventing me from securing a home for my family, and adding unnecessary emotional and financial stress. I am requesting that you : Investigate these fraudulent accounts thoroughly. 
Remove or block these accounts from my credit report immediately. 
Provide written confirmation of the actions taken to resolve this matter. 
It is unacceptable that these fraudulent accounts continue to impact my financial goals due to the failure to protect my personal data during the Equifax breach. This issue demands your immediate attention to prevent further harm to my financial future. 

Thank you for addressing this matter promptly. 

Sincerely, XXXX XXXX
Product: Mortgage

got loan from HSBC OR bENEFIAL FINANCE FOR MY HOME XXXX XXXX XXXX, LATER I HAD TO FILE BANKURUPSY BUT HOME NOT INCLUDED THE DROPPED MY PAYMENT TO XXXX A MONTH PAY OFF SAYS XXXX PLUS ADDED FEE FOR XXXX I HAVE NEVER SIGNED ANY PAPERS WITH THIS COMPANYM LIVED HERE SINCE XXXX STILL HERE AND STILL OWE THIS MUCH MONEY? I HAVE NO PROBLEM MAKEING MY PAYMENTS TO XXXX WHICH HAS THE LOAN NOW, JUST DONT UNDERSTAND XXXX EXTRA NO MODAFCATION PAPERS WERE SIGNED EITHER I WANT TO PUT MY CARETAKER ON THE REFINANCE BUT THEY HAVE HIM ON THE LOAN BUT NO DEED IIAM THE ONLY XXXX ON THE DEED PLEASE THIS HSBC OR BENEFICIAL ARE RIPPING ME OFF I HAVE HAD XXXX AND CANT AFFORD AN LAWYER WHAT DO I DO?
Product: Credit reporting or other personal consumer reports

I reached out to Experian by both mail and online to request a credit block Pursuant to Section 611 of the FCRA due to identity theft. I sent them a police report from the XXXX XXXX  Department outlining that I am a known victim of identity theft, as well as reports from the FTC both outlining the accounts that are a result of identity theft via mail and online dispute. I received an email from them letting me know that Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, they were unable to honor my request or a portion of it based on the limited amount of information regarding the dispute. I called in, and was told that they needed an unredacted police report. I uploaded that at their request, only to recieve THE EXACT SAME EMAIL 3 DAYS LATER telling me they cant honor my request! There is no more information that I can give them. They have the police report, they have the FTC report, I sent copies of my gov issued ID and insurance statements as proof of ID. I want them to know that this disregard for my rights under the FCRA will NOT go unchecked. If they do not honor this lawful request for a block pursuant to section 611, I will pursue arbitration or other legal avenues to recover damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed in XXXX unauthorized inquiries and one account that is not mine. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX  report a credit inquiry XX/XX/2019 from the following. 
Check into Cash XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX I didnt apply for anything credit or cash Called phone number got automated service left message received no call back
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the XXXX Collections third-party half of the balance owed to XXXX and I paid the remainder of the balance in full directly to XXXX back in XXXX 2017 and on all ( 3 ) Credit reports I am seeing Paid in Settlement when it should reflect a status of : Paid ; Closed!!!!!!!!!!!!!! I am seeking Assistance regarding this matter with getting XXXX, XXXX and Transunion to accurately reflect the account status o my Credit Reports!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to XXXX, XXXX and Equifax that they were reporting incorrect names and addresses on my credit report. XXXX responded that with a claim that a third-party is assisting with my credit after I sent all proper identification documents to identify myself that I was requesting that they correct the inaccurate names and addresses. The information has not been corrected as requested. 

XXXX mailed my dispute results and removed some names and one address when there are multiple names and addresses. The dispute results also brought to my attention that XXXX social security numbers are being reported. If I'm not mistaken every human only has one social security number. It seems to me XXXX is allowing fraud. 

The FCRA imposes obligations on credit reporting agencies concerning the accuracy and completeness of information in an individual 's consumer report. Per FCRA, the credit reporting agency is not in compliance by knowingly reporting inaccurate information
Product: Money transfer, virtual currency, or money service

Today, XX/XX/year> I opened a XXXX account. My friend sent me {$150.00} XXXX aloud my friend to send me that money. XXXX  is now telling me my account is frozen and restricted thus not allowing me to transfer the funds to my bank account. They are stealing my money. This is theft. Nobody is reaching out to me. No phone calls no messages no emails and no explanations. They can not simply just keep my {$150.00} through XXXX sitting there with no reason not to allow me to access it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in bills to pay. I believe it is very wrong to allow somebody to send you money on an account and then XXXX freezes the account once they receive the money and tells me I can not have my money.
Product: Vehicle loan or lease

- Leased a new XXXX XXXX on XX/XX/XXXX through US Bank. 

- Made final payment and attempted to purchase for the " Purchase Option at end of lease term '' and was told I was unable to do so for the price on the contract ( {$7400.00} ). It was stated that there was some sort of error or something. 

- XX/XX/XXXX a letter was received stating the payoff is {$19000.00}. Called to asked why it was not the {$7400.00} on the contract and we told there is an error somewhere. They stated it looks like a XXXX was printed over the $ field and should have been in front of the {$7400.00}. When we argued not seeing that they accused us of maybe " doctoring '' the document. Very offensive since I hold XXXX copy. Their copy says the same. 

- XX/XX/XXXX a letter was received from US Bank stating a different payoff amount of {$18000.00}. 

- XX/XX/XXXX Call with US Bank stating we intend to buy the car for the contracted purchase option price. They said no. 

- XX/XX/XXXX Tow company started calling again to pick up the car. 

If there is a " XXXX '' hidden behind a " $ '' sign how could one make a sound economic decision when leasing a car. If a error, why not caught by underwriting and the dealer. If on purpose it is very deceptive. Either makes the deal look way more attractive. We want our car for the price on the contract. It is my last car, I am XXXX in XXXX! 

I have yet to return the car. Happy to send the {$7400.00} immediately but they won't accept.
Product: Credit reporting or other personal consumer reports

They closed my account as a charge-off and I never got notified how to pay it off via mail so I think its unfair to put this discrepancy on my credit report and I tried to pay them but no response
Product: Credit reporting, credit repair services, or other personal consumer reports

recklessly putting soft inquiries i opted out of seeing it an all 3 major credit agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXX XXXX XXXX XXXX declined me,XXXX fcra, same job XXXX years dti lesa THAN 11 % WHAT DO I HAVE TO HAVE 800? THESES COMPANT USING UNFARILY LENDING PRACTICES B/C I HAD MY id THEFT STOLEN.. i VERIFY IN PERSON IT Was me and answered all there question..
Product: Debt collection

Transworld Systems Inc XXXX TSI XXXX., a collection agency ( XXXX ), has not contacted me regarding a medical debt that this CA is reporting on my consumer credit file. This agency is in violation of the FDCPA for not disclosing my rights to dispute this debt. 

TSI is in violation of XXXX laws pertaining to reporting " medical debts '' to the ( XXXX XXXX Credit Reporting Bureaus before XXXX 6 XXXX months of last payment and not allowing sufficient time for my medical insurance to cover the bill.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$1200.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$3200.00} XXXX  # XXXX XX/XX/XXXX -- {$1900.00} TELERECOVERY # XXXX XX/XX/XXXX -- {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1900.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted multiple times to remove a address from my credit report that do not belong to me. I tried to re investigate and dispute and this is what I got from experian : That reason can't be processed online. 
This Address was reported to XXXX by XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 

The accounts in question is XXXX, XXXX XXXX  and XXXX. The address that do not belong to me is XXXX XXXX XXXX, XXXX ohio XXXX. I did not authorize these credit accounts and i have never lived at such address above. I just graduated from XXXX XXXX. All the inquiries are erroneous too. I do have a XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX, and a XXXX. Those cards I did apply for and received. 


The laws for re investigation through FCRA states : 15 U.S. Code 1681i. Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

The CRA 's are violating the laws and if this is not rectified I will be contacting legal representative.
Product: Checking or savings account

In XX/XX/14 I deposited a check {$4.00}, them the bank proceed to hold my check for XXXX XXXX, i called several times to the bank, they excuse was the signature was fake to hold the check. The person who issued the check for me provided phone number from his bank manager to my bank that way they could clear the check and release the founds in my account. ( The check was supposed to make payments to my guys ). 
Although they dont want remove the hold, and they keeping saying the check is fake and will hold. How i can get my check back?
Product: Mortgage

Several references I found and again today, I keep reading and find online, on the internet, this information which I am using as fact and reference and hoping was true AND that each reference to it IS from a very reputable source for information including published in XXXX magazine and as per my previous same complaint made on the matter. So now, I am reading it again and today - " Bank of America '' is offering a " DEFERMENT '' option on loans/mortgages, where nothing states you needed to special in that having a " certain type of mortgage '' with them, when it is relief offered specific to a national crisis and the DEFERMENT option ( of 90 days at least ) which is NOT a forbearance, that of which they offer BUT that stipulates any back unpaid amounts to be added up in total after 90 days to ALL be paid back after the forbearance term and that to be paid immediately at the end of " forbearance '' period, it is not what I can do AND that I called twice to have no deferment being offered to me. I have now seen this information about deferments with Bank of America written and published to the public and not about a specific mortgage product BUT would and should apply to ALL mortgages they service. I am disgusted that I have read this information in many online venues, and it has been now in more than one article about such assistance by form of DEFERMENT and relief to homeowners needed during the COVID crisis. I am yet to be given the " deferment '' option, all I am being told I can get and given is a forbearance - No, I CAN NOT afford to pay any built up balances in full after 90s days and I am not being forced by BOA then to later on after I will have to apply for " loss mitigation '' measures ( this is as per their own advice and words to me ) and apply to " loan modification '' which is a " loss mitigation '' option but it's being forced upon customers when most banks ARE giving a defer payment option for 90 days. This is not fair to people who cant pay their mortgages now and in 90 days from now sure can't pay 90 days added up and all at once in 90 days PLUS the moth ahead. None of this makes sense by the banks own offering and by their own hand. Where is my option for a deferment for 90 days?
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the accounts listed below, which appeared on my credit report without my authorization following a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that these entries be removed to prevent further harm to my credit. 
Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$710.00} XXXX XXXX XXXX - XX/XX/XXXX - {$640.00} XXXX - XXXX - XX/XX/XXXX - {$610.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$610.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Intially on XXXX, I disputed information on my credit report by writing to bureau of Equifax and received no communication whatsoever from Equifax ( in which exceeded 30 days ) a result of their investigation. So on XXXX/XXXX/XXXX I contacted Equifax in regards to information on my report following the breach that was incorrect, suspicious and also to dispute. After being told by two different reps I needed to do online that they were not disputing items over the phone. I tried a third time to Equifax and was able to do so. My issues is on XXXX/XXXX/XXXX I disputed names, inquiries and accounts on my credit report, however their investigation was resolved on confirmation # XXXX ( name removal ) on XXXX/XXXX/XXXX confirmation # XXXX ( inquiries ) on XXXX/XXXX/XXXX and confirmation # XXXX ( collection accounts ) on XXXX/XXXX/XXXX. When I received information that their ( Equifax ) investigations were complete via email.I called in to discuss results. The rep told me that all information was factual on my report, however when further questioning, how did they ( Equifax ) verify information and what method of verification was used, the rep could not answer my question. I was advised that I should place a fraud alert on my credit report and that I should re-dispute information. So I did on XXXX/XXXX/XXXX however, I have continued to receive inquiries after the fraud alert has been placed on XXXX/XXXX/XXXX ( XXXX XXXX XXXX and XXXX XXXX XXXX showed up as hard inquiries after the fraud alert was placed and Equifax states they are factual inquiries despite the fraud alert and my denial of being responsible for those inquiries. 
I recieved document ( credit report ) in mail from equifax confirmation # XXXX with there results of completion dated XXXX/XXXX/XXXX which was on 2 days after intial disputes were created. 
For the inquiries dating back all the way to XXXX I disputed all inquiries with no avail, they still remain on credit report. They ( equifax completed investigation on the same day in which dispute was created ). There is no way that my file was investigated properly at all. 
for collection accounts again dispute created on XXXX/XXXX/XXXX and completed by XXXX/XXXX/XXXX on the accounts of : XXXX XXXX collections amount XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX XXXX in the amount of XXXX then theres a company of XXXX with two account numbers ( 1 ) XXXX ( 2 ) XXXX that states they were verified but has no account information on my report as to who or what amount is owed, which was initially disputed because I have never had accounts with a company by that name. 

I would like the above issues investigated, Equifax is not verifying information, nor providing the methods of verification to me as a consumer, in which under the FRCA i am entitled to all information including documents or contracts Equifax has on file, and they have not provided as of date. However, my investigation has been completed, they have not produced the information i have requested from Equifax in writing and also by phone.
Product: Mortgage

I fell behind on my mortgage due to medical issues in XXXX XXXX. I hired an attorney to help me submit an application for assistance with my lender US Bank. My attorney submitted my complete financial package on XXXX XXXX, XXXX. US Bank sent me a letter dated XXXX XXXX, XXXX, confirming my complete application was received. My attorney has been contacting US Bank since then and they now say there is no review open and they have no status of my review. According to my attorney, RESPA Reg X requires my lender, US Bank, to give me a decision in 30 days after receiving my complete application. Today is XXXX XXXX, XXXX and It has been 45 days since my application was confirmed complete. I have no review open and I am getting closer and closer to a foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on my student loans ( XXXX ) with Equifax and will be doing so with the other credit bureaus. They did not fix the issue. I was still in college in XXXX and graduated in XX/XX/XXXX. XXXX reported that a late payment in XXXX which I was in a grace 6 months after graduating and reported several in XXXX. I was in forbearance in XXXX as my mom had XXXX and even shows on their own documentation that I was in forbearance in XXXX. Equifax did not fix this issue and when I called XXXX they said they seen this but I would have to dispute it with the credit bureaus. It's ridiculous that I even have to do this to get this off of my credit report. XXXX made a lot of mistakes and has been sued for those and this is one of their mistakes that needs corrected. If I have to get an attorney to get this fixed I will. It says right on the paper work from XXXX that I was in grace and forbearance during these times. I will also being sending this complaint to the Department of Education and some other folks to look into this. 

Grace- XXXX Administrative Forbearance- XX/XX/XXXX through XX/XX/XXXX Administrative Forbearance- XXXX XX/XX/XXXX Admin Forbearance - XXXX XX/XX/XXXX Disaster Forbearance XXXX Voluntary Forbearance XX/XX/XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 we were approved for an auto loan XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX knew we were prequalified for the auto loan. Made many attempts at asking us to finance through them we strong advised we were NOT interested. He slammed his highlighter to the table and broke it. Now we have a letter from XXXX XXXX advising a credit check. So, I pulled our XXXX XXXX report and learned he ran us through XXXX unauthorized hard inquiries on XX/XX/21, as follows : XXXX ) GM Financial XXXX # Pending XXXX ) XXXX XXXX Ref # XXXX XXXX ) XXXX XXXX XXXX Ref # Pending
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 different open dates XX/XX/2013 and XX/XX/2013, The amounts of XXXX and XXXX This is my second time filing a complaint about US EDU DEPT it has been well over 30 days with no response or a validation of debt. Under 15 U.S. Code S 1692 ( g ) b i have the rights as a consumer to ask for validation of debt.