23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX I lost my home in the Camp Fire in XXXX, CA. After it was determined by the Insurance Co ( XXXX  ) that my home was a total loss, they requested I get a payoff letter from my mortgage company so they could send me a check to pay off the mortgage. I requested that letter from Pacific Union Financial and they sent it to me. It was dated XX/XX/XXXX with the payoff good until XX/XX/XXXX for the amount of {$170000.00}. The Insurance company sent me the check made out to me and the mortgage company. I signed the check and overnighted it to the address I was given on XX/XX/XXXX. 

Since that time, I continue to get calls stating I am behind on my payments and they have just last week mentioned to me that I am at risk of foreclosure on my home. They have acknowledge that they have the check sitting in some kind of escrow account. I have sent them everything they have asked of me. Everytime I get someone new to talk to they ask for something different. 

Not only have I had to deal with the trauma of losing everything I own and XXXX   years of life and memories, I am having to deal with these people. It is now the end of XX/XX/XXXX and we are not any closer to having this issue resolved. This has caused my credit rating to drop 71 points because of them. I am already having XXXX  XXXX  due to the stress of the fire and this is just making it much worse. 

Any help you can give me will be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX XXXX XXXX/XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; DPT EDXXXX XXXX Balance Owed XXXX {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX DPT ED/XXXX XXXX Balance Owed XXXX {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX : XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23, I submitted a written dispute by mail to Experian ( Exhibit A attached ). I disputed this item XXXX XXXX Charge Off. 

I included a copy of my driver license and social security card to make it easy for them to confirm my identity. 

In response, I received what appears to be an automated e-mail stating that the request does not appear to have come directly from me. ( see Exhibit B attached ) I believe this is an attempt by Experian to ignore my request by blaming automation instead of reading my dispute and conducting an investigation according to my rights. 

Many of my letters have received the same response despite my including personal identification documents to prove I directly sent the dispute.
Product: Student loan

On XX/XX/XXXX, I submitted a request through XXXX to be put on XXXX XXXX from the XXXX plan I have been on for years. On XX/XX/XXXX, I received an electronic message from Mohela alerting me I was denied the XXXX XXXX ; however, reason or denial was not included in the letter. As a result, I called Mohela on XX/XX/XXXX immediately after receiving this letter and was placed on hold for several hours until I finally was able to speak with a customer representative. 

The customer representative informed me that I was denied because I had not submitted supporting documentation with my application on XX/XX/XXXX ( which I was never directed to do so ). She recommended I resubmit my XXXX application verbally over the phone with her ( which I did ) and told me it would take 5-7 business days to complete. 

As part of the application I submitted on XX/XX/XXXX, I also requested to be put into administrative forbearance for one month which is required when switching from XXXX plan to XXXX XXXX. I received notification on XX/XX/XXXX I was placed into forbearance that ends on XX/XX/XXXX and that my payment after forbearance ends will be automatically set at the " level '' repayment plan which includes a payment of XXXX which I can not afford, nor did I ask to be placed onto this repayment plan. 

On XX/XX/XXXX, I received an electronic message that my request for the XXXXXXXX XXXX is delayed and will be resolved within XXXX business days. I contacted customer service representative on XX/XX/XXXX to request additional information since my forbearance ends on XX/XX/XXXX and my next payment of XXXX is unaffordable. It took XXXX minutes of being on hold to finally speak to someone. The customer representative informed me that they are experiencing delays processing the XXXX applications and that mine is still pending. She noted that if if my application has not been processed by XX/XX/XXXX, I can call back and ask to be placed on forbearance for another month so that I don't need to pay the XXXX amount. I am also a public servant hoping for public forgiveness after 10 years of repayment. I asked if these months of forbearance will count towards XXXX, and she told me no. 

I find Mohela 's customer service and communication to be extremely poor. I regret trying to change to SAVE plan and should have just remained on my XXXX plan. It's ashame this is happening. I am literally counting down the years and months that until XXXX is achieved. Now it will be delayed due to Mohela 's processing delay.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard.

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX Listed below are the Accounts that are being challenged XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within XXXX days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX  Balance Owed : XXXX XXXXXXXX XXXX XXXX  Balance Owed : XXXX XXXXXXXXXXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXX  XXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX Balance Owed : XXXX XXXX XXXXXXXX Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXX  XXXXXXXX XXXX Balance Owed : XXXX
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX have failed to fulfill it legal obligation under the Fair Credit Reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provide evidence to furnisher, accepting unreliable response and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where Experian has neither corrected nor removed or amended the disputed account, as Experian inaction violates federal law and my rights as a consumer. 
Recently I reviewed my credit report and noticed several inaccurate information on my account. The account is hurting my ability to obtain credit. It's my understanding that the Credit Bureaus will investigate this account for me asking you verify account listed below XXXX XXXX XXXX XXXX amount of {$21000.00} This debt has been charged off by the original creditor which means that the debt has been paid and is considered income. Since Charge off is considered income, it must be removed. XXXX can not be reported on credit files. FCRA letters sent to all XXXX credit bureaus in XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

I have filed dispute complaints against this third-party reporting company which failed to investigate properly and reused the same information. In XXXX, LexisNexis was sued for allegedly violating XXXX law by collecting and combining extensive personal information and selling it to third parties without the consumer 's knowledge or consent of the individuals involved. I received responses from them dated XX/XX/XXXX, and XX/XX/XXXX, and neither correspondence contained updates even after receiving an email stating they couldn't verify my identity I submitted a copy of my driver 's license. So, it's understood that LexisNexis is willfully noncompliant with laws specifically 15 U.S. Code 1681 ( n ).
Product: Checking or savings account

As per the guidance from the CFPB the required documents and a letter from an advocacy group assising me due to debt XXXX  which falls underXXXX XXXX  accodring to XXXX XXXX Final Rule 1002.142 ( b ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request that you chexsystem remove and block thisinformation from my XXXX report with FOUR BSUINESS DAYS, I am i victim and would like all listed bank accounts be blocked and deleted 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 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 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union cost me a job in the past for including incorrect information on my report. Now they are playing with my credit score because they know I am a women own a XXXX  applied for the sba loan and they work hand in hand. My score dropped to a 400something which I have never had in my life with the other credit companies have my score 130 points at least higher. They are always unavailable for any disputes. You can not send them letter they do not respond and now they claim to be busy. I have worked on their XXXX XXXX and they sare information sell information that americans have no clue about and just trust any company. Just like the covid being treated wrong and because of american greed trans union reports wrong information. I am in control of my information not them and they better remove XXXX XXXX XXXX   etc and all of my late payments. It is incorrect - and I have never been late on any accounts - also inquiries which car dealerships did with out my approval next to complain about - My XXXX lease came to end PAID on time - I purchase dthe car from XXXX  ... .no inquiries necessary from any vendors Remove everything late and you better get my credit score to where it should be crooks! You are not playing with me just because I applied for my business for the sba and yes you are in cahoots! Trans Union needs to be audited! how they misuse the information not the first time! Their data is not secure they use legacy equipment they do not do backups ... .etc etc
Product: Credit card or prepaid card

I initially contacted Target XX/XX/XXXX through the secure messaging system to request a covid-19 hardship assistance and was told to call their 800 number for this service. I called and was advised it was completed, and my account would be updated to reflect a monthly payment due to {$0.00}. When I tried to use my card a couple of weeks later I discovered that apparently did NOT happen, and I was reflecting a past due balance on my account which suspended the ability to use the available credit. I contacted Target on XX/XX/XXXX to see what was happening and was advised by a supervisor that the initial representative I spoke to in XXXX did not enter information correctly, so the update did not get processed correctly. She advised everything had then been corrected, and my account should reflect the changes in 2 business days. 

After a week of waiting a week, I reached out again on XX/XX/XXXX via secure message to inquire about the status of the correction and was told again to call the 800 number on XX/XX/XXXX for details, which I immediately did. The representative I spoke to on XX/XX/XXXX said the representatives I spoke to on XX/XX/XXXX had only requested my late fee be waived but still did not properly make the corrections for my covid-19 hardship so my payment would be updated to {$0.00} due for both XXXX and now for the upcoming XXXX payment and remove the past due hold on my account so I can use the available credit. Again, I was told it would take about 2 business days to process. 

It is now XX/XX/XXXX, and my account is STILL showing a past due balance and suspended from being able to use available credit. I am SERIOUSLY concerned a negative mark is going to be reported to my credit report and affect my credit score negatively due to Target 's incompetence to complete this request that EVERY other credit agency handles in a matter of 24 hrs. I am TRYING to be responsible with my credit and creditors during this stressful time, and Target is putting my credit at risk with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern By the Fair Credit Reporting act. The list below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : its also states a consumer reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by then 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: Mortgage

I got a mortgage on a mobile home in North Carolina a year ago. On XX/XX/2021 my home was delivered to my land. The company that I bought the home from gets paid by the mortgage company or bank a financial institute that holds the construction mortgage pays forThe home and fall when its delivered to the land. As a consumer we need to change this policy. The home should be partially paid for and then paid in full when you get an occupancy permit. I have had my home on the land for over three months I still have no occupancy permit. Im paying a mortgage and a high rent plus a storage unit for my stuff because I sold a house Believing that my home was going to be ready within 2 to 3 weeks after it gets on the land. Thats not the case Ive heard multiple complaints about this. I want to know how I can go about making it a law that the financial institutes that finance mobile homes do not pay for the home in full until there is an occupancy permit. 
If you can lead me in the right direction to do this. It would be greatly appreciate it. Thank you XXXX. XXXX
Product: Credit reporting or other personal consumer reports

I have never leased or loaned a XXXX yet it is on my credit. 
I've never cosigned either.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
All Accounts : Has Violated my rights. 

XXXX XXXX XXXXXXXX ACCT 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 XXXXXXXX # XXXX 15 U.S.C. 1681 Section 602 A. States I have the rights to privacy. 
15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions. 
15 U.S.C.1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any the following items of information Any other adverse item of information, other than the 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. 

I have not supplied proof under the doctrine of estopper by silence, XXXXXXXX XXXX XXXXXXXX ( XXXX  ) XXXX XXXX XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

15 U.S.C 1681b. Permissible purposes of consumer reports... 
( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or
Product: Mortgage

My loan was originated with United Wholesale Mortgages on XX/XX/XXXX, I was always on time with payments. On XX/XX/XXXX, my loan was transferred to XXXX XXXX  which I made 2 payments and yet to reflect on credit report of the loan. I received a letter stating my escrow account is at a deficit of {$2500.00}. My taxes and insurance amount is still the same and on their escrow records have months where there is a zero escrow deposits.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is currently being reported on my credit report. The account in question has been sold to a third-party debt collector, which means it has been written off and is considered settled. Consequently, there should be no reports of late payments nor any indication of an outstanding debt. 

The specific account details are as follows : Creditor Name : XXXX According to the Internal Revenue Service ( IRS ), a write-off is treated as income, which means the debt is no longer considered outstanding. Therefore, the continued reporting of this debt as delinquent or outstanding is both inaccurate and misleading. 

I am requesting that you : Investigate this matter thoroughly. 
Remove all negative information related to this account from my credit report. 
Confirm receipt of this complaint and the commencement of your investigation. 
Enclosed with this letter, you will find copies of documentation that support my position, including : Proof of the debt being sold to a third-party debt collector. 
Relevant IRS guidelines regarding write-offs. 
I trust that you will handle this matter promptly and ensure that my credit report is corrected. Please provide me with an update on your investigation within the legally mandated time frame. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue.