23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$1200.00}XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, I sent a letter to XXXX, after already disputing the account, stating a settlement offer on an account. Upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/2020, the XXXX XXXX money order, # XXXX was cashed. As of XX/XX/XXXX, I have not received any notice and the account is still showing on my credit reports. I disputed the entry still being on my credit report with Transunion and they came back as verified account but did not remove and said it would remain. I request all references to be removed from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
Product: Mortgage

I believe XXXX XXXX with FAY SERVICING violated the requirements for a single point of contact on SECTION 38-38-103.1 During the final stages in the process of LOSS MITIGATION APPLICATION. He would not respond to any emails or phone calls, as I tried desperately to get an update of the COMPLETED LOSS MITIGATION FORMS. 
Soon after my home was sold at a FORECLOSURE AUCTION SALE. 
I also believe DUAL TRACKING was used in this process of selling my home while I thought we were working together to stop this auction of my home. 


*I emailed Loss Mitigation Application to servicer on XX/XX/2018 *I received Acknowledgement of additional documents dated XX/XX/2018 ( return due date of XX/XX/2018 ) [ Additional document requested was home and hazard insurance. ] XXXX XX/XX/2018 I purchased the home insurance they required. I sent the proof of insurance documents via email and fax. 


*I received Acknowledgement of completed application on XX/XX/2018. 

*I received Notice of sale. 
It was signed and dated by the trustee Recorded on XX/XX/2018. 


*I received denial of assistance letter on XX/XX/2018. 


*I tried to contact servicer multiple times with no response. 


*Home was auctioned and sold on XX/XX/2018. 

The required amount of time from the completed application to the foreclosure sale date is more than 45 days. Completed application was 76 days before auction date. 

The required amount of time that the servicer should review my loss mitigation application is 30 days, whereas servicer did not answer my emails or calls, then sent a denial letter 55 days later Upon receiving the denial letter I have 30 days or more to respond. They auctioned my house 20 days later with no contact our no chance for me to properly respond by to my denial letter.
Product: Checking or savings account

I am so disgusted with this bank and lack of follow up! I flied a compliant nearly a week ago - I never received a call addressing my concerns, just an email acknowledging it! I have called and left messages for the contact XXXX XXXX- who still has not called me back at all! My account still remains with a negative balance. I do not carry negative balance and it is not my fault the account went into default! I had made a request for funds to be deposited into my account on the XXXX of this month which was plenty time for it to go through. I never had an issue before with transferring money so this is a banking error. I am starting to think I need to move my money from this bank- seems like service isn't something provided to all clients unless you got millions in your account. This should have already been cleared up by now. This was a system issue as the system failed to even transfer the money at the scheduled time.
Product: Money transfer, virtual currency, or money service

Buying items off of the website " XXXX '' and one of the sellers with paypal ( which is the current situation I'm in ) didn't give me the product. On paypal, I paid " XXXX XXXX '' {$17.00} cents on XX/XX/2019, current day. Paid {$17.00} with my current balance on paypal, and the rest of the fees with my credit card. Contacted him, never responded and blocked me on all current areas where I could get a hold of him from.
Product: Credit reporting or other personal consumer reports

Contacted XXXX XXXX because I received a fraud alert when I applied to an apartment. 
Its been over a month and I havent received any response from XXXX. 

Thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M IN NEED OF SOME ASSISTANCE FROM THE CFPB BECAUSE I'VE BEEN REQUESTING THE CREDIT BUREAUS TO DO THEIR PROPER RESEARCH REGARDING THESE ACCOUNTS THAT I HAVE LISTED ON MY LETTERS, BUT IT SEEMS TO BE FALLING ON DEAF EARS. CAN YOU PLEASE MAKE SURE THEY ARE FOLLOWING THE LAWS AND CORRECT THE ERRORS ON MY CONSUMER REPORT. I WAS NEVER GIVEN THESE OPTIONS, NOW I WOULD KINDLY REQUEST THAT YOU REMOVE ANY LATE PAYMENTS REPORTED ON MY ACCOUNTS LISTED BELOW : XXXX XXXX XXXX- XXXX .... XXXX XXXX ...., XXXX XXXX XXXX : Account number : XXXX ... XXXX- Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX : Account number : XXXX ....- Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 ; Wells Fargo placed my primary residence and an investment property into a CARES ACT COVID-19 Deferral. This was done without my consent or my approval. They would not allow me to make payments while on deferment as I wanted to at least cover the escrow amounts. In XXXX ; I was asked a pivotal question, Did I want to pay back the past due amount or balloon the balance onto the 360th payment. As an investor I took the opportunity to balloon the payment to redirect funds into an investment. I began making payments as of XX/XX/2020 according the normal schedule. Wells Fargo held their word that the account was never reported late or past due and has that the account is current. The problem is that the remarks and comments section mentions that account is actively in deferral. I can not secure credit from anyone because every lender believes that my mortgages are in an active deferral. Wells Fargo has responded to my complaints that the lenders are not interpreting the credit report correctly. However, every lender is interpreting the credit report this way. I need this comment removed as I can not secure any credit despite having an XXXX credit score and actively making payments. 

Please note that I am not attaching any documentation because I fundamentally do not have any documentation to attach. I did not complete any forms for the deferral ; I did not receive anything saying I was not in deferral so I have nothing to provide.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, which you claimed was verified. Since I believed you didnt properly investigate my dispute I contact the data furnisher on the previous month. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to correct or get rid of the following items from my file. 
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 XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX
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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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: Student loan

I submitted a forebearance request to my lender, XXXX XXXX, to temporarily lower my payments. The monthly payment is roughly {$500.00} a month. For the past several months I have been making forebearance payments {$50.00} /month. Every 3 months I make an additional {$50.00} payment and submit a new request for the next 3 months. 

This request was denied because " the benefit is maxed out. '' There is no information about the forbearance program eligibility, or maximum available online and the company is unwilling to send it to me as " can only be accessed internally under the Lender Directions and Profiles. ''
Product: Mortgage

My mortgage is not even late until XX/XX/XXXX. Today on XX/XX/XXXX, I received 3 calls from their auto dialer from mortgage collections. I set up my bill pay for XX/XX/XXXX, but it's probably delayed because of the weekend. Constant calling from an auto dialer before my payment is even late is abusive and violates fair debt collections practices.
Product: Vehicle loan or lease

Pelican financed my loan, I paid it off and they removed it from my credit report.

Westlake financial added a loan on my report and I never filed documents.

I cant get me title from pelican now
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has two bankruptcy accounts that are being reported on my consumer report I have spoken with a clerk from offices of the bankruptcy court via e-mail and she confirmed that the bankruptcy courts does not provide information to any consumer reporting agency. This is a violation of my rights pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I never gave Experian any written instructions to do so. Experian has also failed to exercise their grave responsibility to respect my right to privacy. The reporting of this information has ruined my representation in commerce and has made it difficult to purchase a home. Experian will be held civilly liable for willful and negligent noncompliance for any failure to comply with this deletion demand
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me.Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Product: Debt collection

my vehicle was unlawfully seized. The law is very clear on this matter ; 15 U.S. Code 1692e.False or misleading representations- ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX. transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Checking or savings account

Update! 
Ref : XXXX Capital one not only lied about my card working fine and they put a hidden block on it. They sent me a new card and did the same thing. This company is full of lies! They are blocking access to my measly XXXX $ after I lost over XXXX $ through their spotty security. 

They are trying to get me to call them. They already broke the fdic rule and I have in taped. This is their retaliation and this is how they treat costumers that loss big due to thri data breaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$170.00} U S DEPT OF EDXXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$710.00} XXXX XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} US DEPARTMENT OF EDU XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contact info Address XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number By mail only NO NUMBER TO CALL, THIS COMPANY IS FRAUD, THIS ACCOUNT IS FRAUD
Product: Mortgage

This company ( Reverse Mortgage Services at XXXX ) " services '' reverse mortgages. My loan no. with them is/was XXXX. I sold my home. It is closing today. My escrow company requested a payoff demand on XX/XX/2020. Reverse Mortgage refused to cooperate with my escrow company on providing an updated payoff demand ( one has been issued previously for the month of XXXX ). I phoned them myself 7 times today to try to get an updated demand. They state that they require 5 business days to respond to a demand request. I explained that it was very important for me to get an updated demand today ( XX/XX/2020 ), as I am purchasing another home. They refused saying that they could not supply the demand until XX/XX/XXXX because they require 5 days. I said that 5 days had transpired ... the XXXX, the XXXX, the  XXXX, the XXXX, and today the XXXX. They said they consider XX/XX/XXXX as a holiday because they were off that day. I explained to them that XX/XX/XXXX is NOT a federal holiday. I was told I could either wait until the XXXX for the demand to be sent, or I could add 2 % to the prior statement ( which would be in excess of {$3300.00}!!! ) and use that for the pay-off. Also, once the demand is sent, it calculates interest for the entire month. They are guilty of extortion. First, they refuse to provide a payoff demand in a timely fashion. Second, they endeavor to over collect by collecting for an entire month, rather than providing a daily per diem amount and/or by requiring an excessive amount of 2 %, thirdly, they count days off as federal holidays. At this time, the sale of my home is recording today, XX/XX/2020. My funds are being held by my escrow company pending receipt of the current payoff demand. I spent 4 hours today on 7 phone calls with this servicer in an attempt to get a payoff demand so I can pay them off. They refused to provide me one for  today. They said it would only be sent on XX/XX/2020. Please investigate this company!! Help me to get my funds back. The only reason I sold my home in the first place was to get rid of this horrible loan. Now I can't even pay it off because they refuse to tell me how much I owe them. By the way, by the time you work on this, I will no longer be at this address. Given the circumstances, I'm not sure where I will be. Please contact me by phone ( XXXX ) or by e-mail ( XXXX ). - XXXX XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to 18 usc 8, i owe no debt, this company is violating my consumer rights to privacy pursuant to 15 1681 b to company also has NO permission to report anything using my info pursuant to 15 usc 1681 4
Product: Credit reporting or other personal consumer reports

There are 2 accounts from Dept of EdXXXX opened in my name on XX/XX/2023. One for {$3000.00} and another for {$1700.00}. I have never had a student loan in my life. I went to the XXXX XXXX XXXX XXXX from XXXX on a football full scholarship.These two accounts showed up on my credit report and I was given their number to reach them. When I called I was kept on hold for an hour and 36 minutes then it appeared as someone was taking the call then disconnected me. I contacted XXXX and Equifax and both advised that I contact the FTC and file a police report for identity theft, fraud, and whatever else I could think of against the Dept of EdXXXX XXXX XXXX I filed a dispute with the credit reporting agencies and it stated the accounts are mine. I am XXXX XXXX XXXX and have been with the same financial institution for 15 years as a XXXX XXXX XXXX.I can provide whatever is needed along with picture ID. I am 100 % sure that the Dept of EdXXXX can not provide my same information. Please help!!!
Product: Mortgage

XX/XX/XXXX home insurance company notified me they had not received payment from lender from escrow. Lender, when notified, over paid balance. XX/XX/XXXX lender reassessed escrow and determined I owed more due to a negative balance they created. Worked out payment plan. Renewed insurance. XX/XX/XXXX home insurance company notified me they had not received payment from lender from escrow. Lender claimed billing confusion and said they would also charge me more. Lender claimed there was a negative escrow balance. Insurance claimed that they had just not paid. They finally paid insurance. Lender added hundreds of dollars more to my bill. My mortgage bill has gone from nearly {$1600.00} a month to $ 2400 month to date.