23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

MY mortgage company started out with XXXX, then XXXX, Green tree, DITECH, Now DITECH FINANCIAL LLC. in XXXX transferred to GreenTree a debt collector as XXXX failed, then transferred to ditech. I started to questions the validation of debt and green tree or Ditech has yet to validate the debt. My understanding my deceased husbands estate XXXX out the balance of the mortgage when he passed away and information was provided to green tree and ditech. Public Policy and Alabama Law as a widow and heirs we have rights. The are continuing to report on my credit report now stating I had a mortgage with them XXXX/XXXX/XXXX this is a complete lie. I never had a mortgage with GreenTree or Ditech or signed a contract with them XXXX/XXXX/XXXX. to make it clear I signed a note with XXXX and I have documents of this. XXXX has released the lien and satisfaction of mortgage. Ditech has changed to Ditech LLc a debt collector and continues to report on my credit report and will not XXXX out the balance. I do ask them to credit my account. I have asked many time to see both sides of the books and a complete audit and they refuse. I hate to have to sue I will receive a large sum for all the fraud this company has done. Nor did I ever authorize this company to have my personal information. I have my common law copyright and trade mark on file in the county I live and sent a copy to Green tree. They have ignored me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, UT XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : RETIRED XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, UT XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, UT XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX UT XXXX
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 XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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: Credit reporting

Still reporting a judgement docket # : XXXX from 2008 on my credit report that is seven years old.
Product: Mortgage

to who it may concern.i XXXX XXXX.was on aforbearance from last XXXX.un till now. with midLand mortgage.i apply for a modifiedcation.they prove me for a load modified.and sent me out some paper for me and my wife to sign.wich we are separate since XXXX XXXX.i inform midland mortagage that and she live in XXXX and i have to travel down there to get her to sing the modifcation papper s.so i did wen down thire on XX/XX/XXXX XXXX and we sing the papper and send them back to midland mortgage.than midland mortgage started to call me all day and night asking me when am i going to send the papper. and i told theme i did all ready.just keep calling me telling me they are going to forclose on me.so now i got to go all the way back XXXX .TO GET MY WIFE to sing the pappers.
Product: Student loan

I am a former student in XXXX GA, I was attending XXXX XXXX and had to drop out for a few semesters due to illness I have been paying on my student loans through Navient. I am currently seeing that there is a lawsuit against Navient. I am still currently paying them and want to make sure that I am not paying them for no reason. Can someone please assist me with this
Product: Checking or savings account

XX/XX/XXXX Lost wallet and ID document, SSN, Driver license, Green card , 3 XXXX XXXX XXXX credit card , 1 XXXX XXXX XXXX debit card , Thai ID and Driver license, 1 XXXX XXXX credit card.

XX/XX/XXXX Notice from XXXX  about the Inquiries viewed by others. That have unauthorized account below was open.

1.XXXX XXXX XXXX XXXX XXXX. ; XXXX XXXX XXXX, XXXX, NY XXXX  2.XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, IL XXXX  3.Charles Schwab ; XXXX XXXX XXXX, XXXX XXXX , CA XXXX  4.XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX , XXXX XXXX, NY XXXX  -XX/XX/XXXXNotice the call center about the identity theft. The representative explain that account will be frozen during the investigate and will be close after they are finish the investigation.
Product: Money transfer, virtual currency, or money service

I noticed that my bank mark-ups their exchange rate compared to the one I see on XXXX and market as if I was to pay no fees " {$0.00} '', but in reality there is a hidden fee in an inflated exchange rate. I think this is confusing for consumers and deceptive. I would appreciate it if the Bureau would put an end to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX Balance {$8000.00}.
Product: Mortgage

Bay Valley Mortgage Group Inc. dba Pacific Bay Lending NMLS id XXXX was the lender our company submitted a conventional loan too. On XX/XX/XXXX we submitted a refinance in the amount of XXXX with a loan to value of 78 %. The borrower resides full time in XXXX XXXX Arizona. The borrower provided us numerous documents to support this home as there primary residence. On XX/XX/XXXX our company requested an update as to when the LE would be sent out to the borrower. The lender provided us a screen shot of there turn times, along with the date of XXXX they LE would be sent out. Per the disclosure department they claim disclosures turn times are 48-72 hours. This would mean they disclosures should have been emailed out on no later than XX/XX/XXXX. The first area of issue was during this time. The lender tells us the borrower must wet sign them and mail them back to them. BUT our AE, and disclosure team tell us they had to " back date '' the disclosures to insure they were in compliance. This is the first area of business concern we have. Next, was the loan underwriting disposition. On XX/XX/XXXX the lender partially underwrites the file and immediately suspends it over occupancy concerns. Immediately our company asks questions. The lender and there staff refuse to respond and address the concerns. For example, we asked about XXXX XXXX  guidelines, DU approval and the findings and so on. We submitted over 13 different documents to support the loan as a primary residence and this lender demanded XXXX tax returns. We informed the lender the borrower is on a extension and the response was if you can not provide XXXX returns the loan is declined for credit. We attempted to work through this but the lender refused. Finally, after 19 emails, and calls to many higher up people we got a response. The lender countered the loan to 2nd home occupant and the loan rate and pricing would remain the same. Well, then we asked what the ETA was for this correction the the AE and account manager refused to answer. Again we escalated. At this point the lender inserted there legal counsel. Mr. XXXX. He was less than helpful and threatening too. He claim that the senior manager XXXX XXXX just did not want to do the loan unless we provided the returns. We asked to speak to Mr. XXXX and was told he doesn't talk to anyone and will not talk to you. At this point we felt the lender was discriminating against us as a originating party and penalizing the borrower. Also we feel mortgage redlining is involved in this loan too. Our borrower is a highly qualified borrower and ultimately the lender said your terminated we will NOT deal with this loan or your company.
Product: Vehicle loan or lease

My husband applied to Capital One for a refinance on his used car loan on XX/XX/20. The reference number for the application is XXXX. When they called to obtain income verification on XX/XX/20 he gave them authorization to speak to me, XXXX XXXX, his wife. When the asked about my husband 's income I told them he was retired and only receiving SS which would not be sufficient to qualify for the loan but that he could use my income and I would provide the supporting documents. The representative told me that unless I was on the application and note he would not be able to use my income to qualify for the loan. We live in a community property state giving my husband the power to manage or control our community property. My income is not separate income and therefore part of our community property, I explained that this is a violation of the spousal signature rule under Reg. B. The  representative escalated the call to a supervisor who supported the original representative 's statement that I would have to be on the application and loan. Although my husband 's car is currently in his name alone, I am prepared to execute the security instrument but I also don't think this is a requirement if the loan is in his name alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have explained to Transunion that they are reporting an incorrect balance for XXXX/XXXX. They are not updating this account monthly as they should. The balance on this account is {$0.00} not the balance that they are showing in the amount of {$93.00}. Please update this account to show the correct balance.
Product: Debt collection

Spoke with XXXX representatives from Columbia Debt Recovery LLC dba Genesis neither representative verify my identity prior to release private information. They are collecting on debt regarding rent owed to greystar for the XXXX XXXX. Upon final month move out my rent was paid on XX/XX/XXXX. Allegedly the funds NSF XX/XX/XXXX I was not made aware of NSF at turn in of my keys on XX/XX/XXXX even after clarify everything was clear for move out. I explained to the rep that I was never given a fair opportunity to resolve this matter and just thrown into immediate aggressive recovery more than 1 month after move out. I offered to pay the owed balance of {$990.00} to satisfy the debt but refused to pay the added fees as I felt they were excessive and unwarranted given the circumstances. I did contact my bank that told me they dont have a failed transaction and at the date I would have made the payment my balance was sufficient to cover the charges. I offered the same to the representative from Genesis the representative declined the offer. I did tell the representative I was disputing the charge and with my dispute also confirmed that the item was not reported to my credit. The representative threatened continued collection actions and told me that they would report the item to my credit regardless of my dispute status on XX/XX/XXXX. I expressed that this call was recorded as she mentioned and neither rep verified my identity and she was violating collection laws and threatening with credit reporting and for that I would have to seek legal action if they continued.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not validated that the bankruptcy they are reporting on my credit report belongs to me. I sent a letter on XX/XX/2022 requesting validation, but they did not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting four accounts without my consent I've tried to resolve the matter but no response, nor proof on why I wasn't notified to request a reinvestigation. accounts listed below santander consumeXXXX usa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My card was cancelled due to fraud they reissued me w replacement card but I did not receive it for 2 1/2 months making me unable to log into my online account or making s payment bc I didn't no the replacement cards information. XXXX XXXX  called me and told me I was 3 months in default which I should not have been because the sick leave insurance was paying the minimum amount monthly but they told me if I would pay 2 months that they would bring the account to current and not place the late payment on my credit report, I paid the entire past due balance which was more than the agreement and they still placed it on my credit report breaking the agreement we had. I want it removed from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  should not be reporting to XXXX ; Experian and XXXX a repossession on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was in rehabilitation for medical reasons and was given permission to turn the vehicle in per extenuating medical circumstances with no penalties. XXXX XXXX XXXX granted this request. This false reporting that this was a repossession is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

I received two phone calls from American Express XXXX on my cell phone from Arizona and another one at my home phone number. I never applied for a credit card and am concerned that someone is using my identity to open another credit card in my name. I would like for them to stop contacting me and resolve this issue. I have reached out to American Express and will await their response.
Product: Bank account or service

Please consider this letter a direct dispute under FCRA. A review of my credit report has revealed a hard inquiry by Compass Bank dated XXXX XXXX, 2015 via XXXX. 
I currently have an association with Compass Bank through a checking account in the name of the " XXXX XXXX ''. The checking account, ending in XXXX, was opened in XXXX 2015. Between the opening of the account and today, I have not applied for additional services or products from your company. Therefore, I believe that you did not have permissible purpose to pull credit history from XXXX or any other Credit Reporting Agency on XXXX XXXX, 2015.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under Fair Credit 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 XXXX, alleging systemic issues. such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responds, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provide, causing ongoing harm to my credit standing. I'm requesting immediate corrective action to removed or amend the disputed accounts, as Including XXXX, Transunion and XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain inaccuracies on my credit report and to formally notify XXXX of potential legal violations that require immediate attention. 

Identification of Inaccuracies : Upon reviewing my credit report, I have identified several inaccuracies that have adversely affected my financial standing. These inaccuracies include : incorrect balance, late payments, account number, credit limit, date of reported and others inconsistencies. 

Impact on My Financial Well-being : The inaccuracies outlined above have severely affected my creditworthiness and overall financial health. In XX/XX/XXXX, I experienced a major financial setback due to a family emergency, which led me to apply for a personal loan with XXXX XXXX  and other creditors offered loans with significantly high interest rates and I have been wrongfully denied which was highly embarrassing and has negatively impacted my lifestyle. This misinformation has had a detrimental impact on my financial options and opportunities. Would you reinvestigate the accounts listed below. 

Account Name : XXXX  XXXX XXXX Number : XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Reference to Relevant Laws : I believe that these inaccuracies violate consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ). The FCRA mandates accurate reporting and stipulates that consumers have the right to dispute and correct inaccuracies on their credit reports. 
Based of consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Request for Thorough Investigation : I kindly request that XXXX conducts a thorough investigation into the inaccuracies outlined above and takes immediate corrective action. I believe that rectifying these errors is crucial to maintaining the integrity of the credit reporting system and upholding consumer rights. 

Potential Legal Consequences : Please be advised that if these violations are not addressed promptly, I may be compelled to take legal action to protect my rights under the FCRA and other applicable laws. 

Optionally with the proof I am attaching to this letter, you will agree it needs to be removed XXXX. 

I appreciate your prompt attention to this matter and request that you keep me informed of the progress of your investigation. You may reach me at XXXX XXXX to discuss this further. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion several times in the past 7 months about the unauthorized inquiries on my account. I have contacted each company listed as an inquiry and was told to contact transunion who in turn tells me to contact the company. I have been running in circles disputing, calling, filing report after report with transunion to know avail. XXXX and XXXX have been outstanding in assisting me, yet transunion insists on keeping innaccurate unverifiable information on my credit report. here is the list of the unauthorized transactions that they make impossible to have removed, this affects my financial well being and I have worked extremely hard to pull my credit up the past 2 years. 
XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXXXXXX ( Retailer ) XX/XX/XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my consumer report, I observed the presence of erroneous information that does not pertain to me. I am completely unaware of the source of this information.