23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We received an FHA loan from XXXX in XX/XX/XXXX, which has fallen into foreclosure. The loan was transferred to XXXX XXXX XXXX ; we applied for loan modification at least five times with XXXX. Each time, the bank indicated we requested the modification to be stopped, we did n't supply sufficient data, we were n't available, we did n't engage in the process ; none of which was true. InXX/XX/XXXX, XXXX XXXX XXXX  set sale date for our property - which was cancelled the morning of. XXXX XXXX XXXX  representative stated she wanted to help us salvage our home, and assisted us in filling out the final HAMP packet - then the loan was transferred to Carrington Mortgage Company.
We discovered the value on of our loan was based on a fraudulent property appraisal initially issued through XXXX. This issue was perpetuated by XXXX XXXX XXXX, and came to rest with Carrington Mortgage Company.
IN XX/XX/XXXX we hired an attorney. The attorney met with representative from Carrington for several months, until suddenly, they were no longer representing CMS - this was XXXX XXXX. A new law firm was, XXXX XXXX XXXX, whom we met with in ongoing measure over the course of nearly a year, then suddenly, this law firm was no longer representing CMS. Currently, XXXX XXXX XXXX is representing their interests - we have emailed XXXX XXXX repeatedly with no response and sent notification of debt dispute within thirty days of service, XX/XX/XXXX.
The sale is still set to take place on XX/XX/XXXXat XXXX XXXX, despite no communication from the attorney or CMS. It is worth mentioning, CMS has never contacted us directly, aside from leaving blank door tags on our door, and once, inside of our residence.
We have offered to do a deed in lieu of foreclosure, a short sale, a loan modification, even a buyout - CMS refuses to work toward any common ground. We feel strongly they wish to rid themselves on the ongoing bad debt, collect their FHA insurance, and attempt to resell the property - however, due to the false appraisal, the residence encroaches upon neighboring property and will result in additional litigation. Further, the home has no rear yard, no access to the rear yard, and as a recent survey disclosed, side yard property lines that violate local building code.
While we are willing to work with the CMS, we ca n't dismiss that property was fraudulently appraised.
XXXX XXXX XXXX  repeatedly used deceptive practices to avoid issuing a loan modification when the balance was reasonable.
CMS continuously switches representation, likely in an effort to force their will to sell. However, in doing so, I am being deprived of my rights, as I do not believe I owe this debt as it never should have accrued to this point, and has only done so at the evil hands of XXXX XXXX XXXX Lastly, as I have been in " pre foreclosure '' for a number of years, they have robbed me of my ability to refinance the land or any portion thereof. Naturally, their error/deliberate and misleading appraisal did n't help ; the loan is completely upside down.
This system was designed to fail the folks at the bottom.
Product: Money transfer, virtual currency, or money service

On XXXX at XXXX XXXX I sent by accident XXXX from my cash app to my XXXX XXXX card ( XXXX XXXX XXXX XXXX XXXX ) well my bank said that I was over my limit and the network declined it saying they never received the money and it was sent back. Cash app says the network said it had been successfully sent. Ive called cash app and my bank.numerous times with several different attempts to.give my bank retrieval codes they said they never got.it so they couldn't use the code and they gave me a declined code for cash app well they said they wouldn't take it. Both places claim to have escalated my case to find out where my money was but noone seems to know. I have pictures where cash app told me that my money has went to 3different banks. I have 3 different retrieval codes.. This has really hurt me in paying my bills because this was all my money. Please help me find my money. Cash app charged me XXXX for it.to be instantly deposited to my bank so its actually XXXX that is lost.I 'll send more photos if I need to
Product: Student loan

The XXXX XXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. This conduct affected students who enrolled at the XXXX XXXX from XXXX XXXX, XXXX through XXXX XXXX, XXXX, when the campuses were sold to XXXX XXXX XXXX XXXX, XXXX. These misrepresentations related to the salaries and employment rates for its graduates and the benefits and connections The XXXX XXXX provided to students and graduates. Because of the pervasive and widespread nature of the misconduct by The XXXX XXXX, ED has determined that it is appropriate to discharge the loans made to all students who attended The XXXX XXXX during the time period described above
Product: Mortgage

I am having trouble with Mid America Mortgage converting my construction loan to a permanent 30 year mortgage as agreed upon. My construction loan with Mid America Mortgage closed on XX/XX/XXXX, with a locked rate of 3.5 % to convert it into a 30 year mortgage. 

I was initially told by Mid America Mortgage and loan officer that a bond was not needed for the construction of my home. My builder and I expected a draw to commence shortly and construction to start.

After ten days had passed it was determined ( XX/XX/XXXX ) by Mid America Mortgage that a bond was overlooked on this project, so the builder and I had to initiate that process which would take approximately six more weeks and push back the start date, and ultimately the end date of construction. The bond was signed by Mid America Mortgage on XX/XX/XXXX and the first draw was finally released on XX/XX/XXXX with construction beginning immediately. 

Construction was complete in less than 360 days from date 1st draw received. 
XX/XX/XXXX XXXX XXXX of Hawaii XXXX inspection FINAL complete & approved. 

XX/XX/XXXX = inspector from XXXX XXXX XXXX XXXX Mortgage inspects home XX/XX/XXXX - Final draw received by XXXX from XXXX on behalf of Mid America Mortgage I have not heard anything from Mid America Mortgage since XX/XX/XXXX when I received an email mentioning loan conversion to commence XX/XX/XXXX. I replied to that XX/XX/XXXX email asking what the terms of the loan would be but I haven't heard back after many repeated emails. The only correspondence I've gotten is from the initial loan officer via text message saying that Mid America Mortgage said it was going to CURRENT MARKET RATES on my 30 year mortgage because of delays on the project. This is completely ridiculous because the delays were caused by Mid America Mortgage 's poor communication and oversight in requesting a bond with the initial construction loan. I am asking for assistance requesting Mid America Mortgage to honor the locked rate I was given. From the beginning communication with them has been horrible and I have been given the run-around many times. What has made matters worse is that several of the original individuals involved on this transaction are no longer with Mid America Mortgage. Please help!
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( XXXX XXXX XXXX  ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not liable for this debt with XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, They did not provide me with the original contract as I requested. XXXX XXXX XXXX called me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract with my signature on the original contract that I signed but until XXXX XXXX XXXX proved me with the original contract they have to remove asap from my credit reports. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

My Personal information is clearly not recognized in most systems because i can barely open a regular checking account to deposit my work checks. I don't know why this is happening but it is becoming a big problem for me due to the fact that i am trying t make a living and the constant failures for systems to pick up my info is making things difficult for me.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive noticed an account listed on my credit report thats currently in pending litigation. This account should not be affecting my credit at this time, and I need it removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reopened my XXXX XXXX Account after paying the balance down to XXXX. I have been using the card for three months now and each month the card is being reported as closed on my credit report even though the account is open. I have spoken with XXXX XXXX ad even submitted a dispute. A representative from the corporate office called me a week ago. The representative was dismissive and she said all the from what she could see all the bureaus reported the account as open. However when I pulled all 3 reports from Transunion, XXXX, XXXX  all 3 bureaus are showing the account closed. This violates my right to fair reporting and I would like the issue to be resolved or like to file a formal complaint with the state regarding this company. I have disputed this account serveral times and every month its being reported as closed. I need to make sure this account stays on my account each month as open as it will affect my ability to purchase a home. Please help. 

Thank You,
Product: Money transfer, virtual currency, or money service

I am in the XXXX and I set up cash app for donations to pay pay lawyer fees, our limit in the XXXX is a lot less than XXXX we only have a cashap limit of XXXX which wasnt enough so I set up 4 accounts in total. I have money on each account and cashap has closed all 4 accounts and are holding my money which is causing great stress as we need to pay the lawyer asap. They are refusing to help me and wont speak to me because Im in the XXXX. Iv called them many times, emailed and messaged them countless times on the app support but they refuse to tell me why my accounts are closed and when they will release my money. Its now been 3 weeks and they will not tell me anything. I contacted the XXXX who tried to help but they told them the case is now closed and I have to speak to XXXX staff. There is no XXXX staff we do t have cash app offices in the XXXX. I feel they are trying to keep my money and will not talk to me because Im in the XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I was involved in several data breaches XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and also XXXX XXXXr attached is a copy of my identity theft report with all listed fraudulent accounts Experian Fraudulent accounts XXXX XXXX  {$1200.00} Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. the items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the heft of my identity to the federal trade commision and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible. 

XXXX XXXX - XX/XX/2021 - {$240.00} XXXX XXXX {$9600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately Santander is in validation of the Cares Act sect 4201. On XXXX XXXX I notice I santander report my payment 30 days late. Which is in direct validation of the temporary amendment made to the Fair Credit Reporting act prohibiting creditor from reporting past due on account that have been effective by Covid-19.

Amongst its many provisions is an amendment to the Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) that adds Section 1681-s ( 2 ) ( a ) ( 1 ) ( F ) : a temporary reporting requirement for furnishers of credit information concerning consumers affected by COVID-19.

Section 1681s-2 ( a ) ( 1 ) ( F ) provides as follows : ( I ) Accommodation. The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID-19 ) pandemic during the covered period.

( II ) Covered period. The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph [ enacted XX/XX/XXXX ] ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

By definition a Creditor is any person or entity that extends credit with intend to repaid in the future.

Santander is a Creditor who agree to payment arrangements and has now failed to comply with the law.

In addition I have requested a review of my initial loan documents and internal credit score. As I'm a part of the recent lawsuit and have not received any information.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This company/attorney is trying to refile a judgement that is 14 years old and was from a repossessed vehicle that was surrendered. Received a letter that was not dated. stated it would be refiled if not disputed in 30 days. Went to the XXXX County courthouse and they claimed I had to hire an attorney to file a response to the judgement and would not allow me to represent MYSELF. The judgement has already previously been removed from my credit per the statue of limitations and the FCA
Product: Vehicle loan or lease

I had a auto loan through Credit Acceptance. In XXXX I totaled my car. In about a month, XXXX and XXXX XXXX XXXX XXXX paid off the loan in full. I have all documents proof. But credit acceptance refused to close my account and stop charging me monthly car payments $ XXXX. They charged me for 2 additional months after the car was paid off. I called them constantly begging them to stop, but they dragged it out as long as they could. Now I have a {$650.00} balance that is the worst thing on my credit report. It's the only negative thing on my report and is preventing me from getting another car. I've tried to dispute this with the credit acceptance company as well as all 3 credit bureaus and have gotten nowhere. I've been fighting this for months and it's completely holding up my life still. I shouldn't have to pay this.
Product: Credit reporting or other personal consumer reports

This company has reported me to credit report agencies without the written and/or verbal consent of myself. This is a violation of : 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 in accordance with the Fair Debt Collection Practices Act.

Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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: Money transfer, virtual currency, or money service

We were scammed {$1400.00} when trying to buy XXXX XXXX  XXXX. We used my bank SouthState Bank and used XXXX to transfer the money. I made a claim with my bank to try to get the money back and they denied the claim. The bank said since it was peer to peer transaction that they couldnt do anything. I went through my mobile banking app to transfer the money, XXXX doesnt have a fraud department neither.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account did go to collections. XXXX XXXX sold my account to a collection attorney because at this time, my husband was severely injured in the XXXX XXXX he worked. He had to receive XXXX XXXX XXXX. After all was said and done, I reached out to the attorney to begin payments on my debt. The account has been paid in full and I was mailed the title to the vehicle. A year or so later, the vehicle was traded in on a truck. XXXX XXXX continues to report this account as open, delinquent, with a {$3300.00} balance. Since XXXX. I do not owe this money. They do not have the title but continue to refuse to remove this from my credit file. I would NOT have been able to trade this vehicle in without a title. My issue is that I don't know how to prove this as this occurred almost 10 years ago and I have nothing to definitively prove this is what happened. As of XXXX this account is the only negative mark on my consumer file. They have refused to remove this and I am in desperate need of assistance. Please ask them for a copy of the title to prove the account. They can't do it because they don't have it. I DID.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE. I HAVE FRAUDULENT CREDIT INQURIES ON MY EXPERIAN REPORT. 

I HAVE TRIED TO GET RID OF THEM AND THEY REPLIED that i am not the one requesting this removal, make no sense. 

these inquries on my are fraudulent and i did not authorizes them, please remove them, i tried call you and no one picks up the phone XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified.  Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in  question. Sending out a generic form through the XXXX   system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you.