23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

For the past XXXX years, Navient has been calling my number daily at XXXX. 

I have no debt with them, and when I called and spoke to their rep on XX/XX/XXXX, I gave her my social security number and she verfied that I am not in their system. In fact, I have no debt with them, nor do I have a student loan. 

I requested to have them remove me from their call list, so she took my information and forward it to the calling department. 

I have been on the Do-Not-Call Registry since XX/XX/XXXX. 

On XX/XX/XXXX I had reported the unwanted calls on that Registry. 

As usual, the calls continued and I began documenting them. On XX/XX/XXXX I got a call at XXXX XXXX, and the following day XX/XX/XXXX at XXXXXXXX XXXX I got another call. I blocked them. 

However, they manage to call from new numbers to call from after they have been blocked. These are harrassing phone calls, as they occur every day ( sometimes multiple times per day ). 

Here are some of the numbers I have blocked from them in the last few months : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again, I do not owe a debt with them, nor do I have a student loan.
Product: Mortgage

I have a complaint with a deed in lieu and/or foreclosure since my last payment in XX/XX/XXXX. For some unknown reason my mortgage company rejected my request on XX/XX/XXXX and they have not processed a foreclosure. They have continued to use my escrow account to pay for taxes, home insurance and even paid for some lender fees? I have no intention of keeping the property to which they have been aware of. On XX/XX/XXXX they have requested documents I had already provided to them for the rejected Deed in Lieu weeks prior to their latest delay. There is a note on my account stating my account is not eligible to make payments and to call XXXX for assistance. My loan number is XXXX for property XXXX XXXX XXXX XXXX XXXX, TN XXXX. I have continued XXXX XXXX and XXXX and their lack of action is continuing to be a problem for my XXXX health. I am trying to process the irresponsibility of the real estate professionals who chose to rip me off. I am XXXX XXXX XXXX and would like to move out of my sons home and put this behind me. 

They continue to show my loan as unpaid on my credit report and this has caused me financial problems. I have been in contact several times in the last year with my Mortgage Lender, United Wholesale Mortgage aka XXXX XXXX XXXX XXXX Mortgage, regarding a home loan I have in XXXX, TN. They have changed my loan specialist for my account almost monthly and have not spoken to my latest specialist as she wont return my call. I had to vacate the property in XX/XX/XXXX due to lack of hot water for several weeks which started a month after I moved in. I purchased a home in XX/XX/XXXX with a full warranty supposedly to be provided by the seller, however the warranty was XXXX ordered and paid for by my Realtor for {$480.00} XXXX. The home warranty company has not repaired or replaced the defective water heater even after several service call requests. XXXX XXXX XXXX breached the contract and I did some checking into the realtors and discovered the sale was based on questionable actions and undisclosed information. 

I had reported the problems to my mortgage company United Wholesale Mortgage XXXX When I first approached the mortgage company with the issues they thought I was trying to do a deed in lieu, I stressed there was some fraudulent actions by the people involved in the home I purchased. I received no help from my mortgage company and to this day I have received no help. They have used ALL my Escrow funds to pay bills for that home that should have been foreclosed on months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX .... Balance : - ; XXXXXXXX XXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : {$1400.00} ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX  XXXX .... Balance : {$410.00} ; XXXX XXXX XXXX .... Balance : {$450.00} ; XXXX XXXX XXXX .... Balance : {$1700.00} ; XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXnquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

This company have obtained my personal information from a company without my consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a XXXX form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The XXXX  XXXX XXXX, please cease and desist all communication in regards to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please delete account from your records. U.S. Code 1109 - Liability for breach of fiduciary duty Company only sold debt to collect on behalf of another company but have Failed to send validation notice and inform consumer about notices of opting out of reporting, only sent enforceable contract to attempt to collect. Statement of disclosure does not provide notices. XXXX XXXX XXXX are not listed on the XXXX  XXXX of XXXX offical website business entity filings to collect a debt in the state of XXXX.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was surprised to see inaccurate accounts listed, and I dont understand why. I review my report regularly, but these discrepancies appeared unexpectedly. I attempted to refresh my browser, assuming it might be a temporary issue, but the incorrect accounts remained. Given this situation, I kindly ask that my submitted documents be carefully examined to ensure I never have to deal with this concern again.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account # XXXX XXXX, XXXX XXXX, 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 and 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite all my documents and written requests, the unverified fraudulent items listed below still remain on my credit report in violation of Federal Law. In the results of your investigations, you stated in writing that you Verified that these items are being reported correctly? Who verified these accounts? How did they verify them? You still have not provided me with the name of the individual, business address, and telephone number of the person or business contacted during the re-investigation. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico 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 XXXX 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 XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX : 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 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and I refinanced our house with XXXX I believe and before the 30 day period they sold my loan to XXXX. Neither company properly informed us this happened. In the meantime XXXX called and said they were our new Mortgage company but never officially properly notified us they had purchased our loan. We thought they were a scam or fraud and we ignored their request for payments. They reported us to all 3 credit agencies. We worked an agreement to make payments and settled with them but they refused to remove those credit late payments. We refinanced our home with XXXX Mortgage due to XXXX not keeping their word.
Product: Mortgage

Around XX/XX/XXXX, I had called Citi to find out ways to settle my HELOC account. The account was past due for quite some time. The mortgage unit had told me a specific person would help me with my situation. XXXX of CitiMortgage had suggested a file a hardship application so they could assess my settlement offer/situation. I was denied around XX/XX/XXXX. I noticed they pulled my credit in XX/XX/XXXX, I consented to this request. No issue here. 

Very recently I noticed they pulled my credit twice in XX/XX/XXXX. That 's almost a year later after my hardship request had been denied. I never agreed to these hard pulls without my consent. I started paying Citi back and recently I paid the loan off. Throughout the whole time I was paying the account, I kept getting letters that someone in the hardship team was going to review my account. Once I was denied, I never filed another hardship request. The Citi team was a bit disorganized. I understand things fall through the cracks, but this was a bit annoying. Literally XXXX letters of the same information. What a waste of paper! I would like this account and credit pulls to be removed from my credit report. I never consented to these pulls! 

Appreciate the help! 

Thank you
Product: Mortgage

am in the middle of a loan modification review and my lender is dual tracking. I was advised that I do need to pay a lien off the property with my HOA. I have been in contact with my HOA and the amount is a little over XXXX. My file is with underwriting and they stated that they need the release of lien from the courts. They did not bother to advise me of the amount. I was told by the receptionist at the hoa as i was not able to reach the person t provide the fullo amount owed that even if I do pay that it can take up to 30 days for the loi3en release. Meanwhile, I have a sale date. Meanwhile, Im in review. Im doing what I need to do working with my HOA and this freedom mortgage is trying to still sell my property at the same time while Im working on paying and clearing up my title issues. That is absolutely dual tracking. dual tracking is status on the consumer protection website bureau as. My File is with UNDERWRITING yet they are tyring to take my home without giving me the time allowed to settle things.

Under the CFPBs new rules, dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure, and that application is still pending review. To give borrowers reasonable time to submit such applications, servicers can not make the first notice or filing required for the foreclosure process until a mortgage loan account is more than 120 days delinquent.

My File is COMPLETE. I am in the process of clearing title.

I am demanding my cell they be postponed due to the negligence, lack of work ethic I feel like Im being discriminated against. Why would you guys put my property up for sale if Im in underwriting and Im trying to clear the title lean as you guys advise me too it takes at least 30 days to get the lien release..

this is completely unacceptable and this is why so many properties get foreclosed on because people do not stand up for their rights. I will not allow this. I need my cell postpone so I can continue the review of my file in the appropriate manner by people who can do their job properly. I am a XXXX  XXXX father, and it is very apparent that they would rather foreclose my property than assist me because why would you not allow the lien release to go through if you know it takes up to 30 days via the court. In the meantime {$7000.00} is a lot to spring on me. I was not expecting that but I have majority of it to pay them and they are very well made aware of that. I
Product: Credit reporting, credit repair services, or other personal consumer reports

First off I would like to thank CFPB for advocating on behalf of the consumer that wants fair justice without taking the credit reporting agency, Equifax in this case to court. I have been a victim of identity theft and fraud for a number of years more recently it hit me hard after my personal identity was used without my consent checking accounts under my name were opened and some of the creditors were being paid minimum payments to continue to use the accounts for a period of time without my knowledge. Until last month I found several more accounts opened and after compliance with Equifax I sent them a copy of the requested police report and identity theft report. They had a recent data breach I was advised by Equifax and clearly by Fraud that I have been a victim. To satisfy our law makers Equifax offers a year of low quality credit monitoring and dispute representation from Equifax staff that are not even familiar with FCRA and any of the identity theft laws. Are these the people that are handling disputes for the American people? Since I have sent complaints about Equifax in the past, XXXX XXXX needs to probably probe Equifax about not complying with blocking fraud accounts they have helped to create and applaud XXXX  and XXXX  for staying in compliance.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXXXXXX XXXX.Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance XXXX {$380.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX  XXXX Balance : {$890.00} XXXX  XXXX Balance : {$130.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX  XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$65.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Me and my Husband were with XXXX XXXX XXXX for 13 years.When we moved to our current residence our cell phone service turned into a nightmare.We were due for XXXX upgrades and they convinced us that they would fix the cell phone service, so we upgraded our phones and the cell phone service was never fixed so we switched to version after many attempts of asking them to fix the problem and it was never done.We could n't talk to Family that lives far away and I could n't take to my Husband that worked XXXX and he was also 8 hours away.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was 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
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Upon reviewing my credit report, I have discovered certain inaccuracies in the following item ( s ) : 1. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Other information I would like changed XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections.

Your cooperation and prompt attention are greatly appreciated. 



Best Regards, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I deposited money to my checking account around XXXX pm and ten minutes after a unauthorized transaction occurred and took XXXX from my account I do not know the merchant that took my money I have never Heard of it or ever had previous encounters with the company that goes by XXXX XXXX  I have called them no answer I also saw another person got the same amount taken from the company. So I filed a dispute with my bank to try and get my money back they did an investigation and said they saw no errors occurred. And told me to send in proof to help the investigation so I did so and they still said no errors occurred and did not help me get my money back. I ordered a new card and blocked the merchant. I tried logging into my account and it said my account was closed I did not close my account I had no knowledge of it closing.it was closed on Friday XX/XX/XXXX XXXX I was not able to login to my account. My Bank did not help me with the unauthorized transaction, they closed my account without my permission they did not help me in anyway a bank should they made it seem like I was lieing and that I made the transaction which I did not I had to send in proof to help the investigation for my dispute. I don't think I should of had to do that I did not have previous transactions with the merchant and they stated that I did on the investigation they said that I did on my bank statements I have no previous transactions with the merchant that took my money I requested the information they found on the investigation and they did not send it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB complaint to follow up the previous CFPB complaint I submitted. I sent a letter on XX/XX/XXXX requesting the Credit Bureaus to remove reported account that are UNKNOWN to me. I came across the law and and have read and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX and # XXXX, and I am including the following fraudulent accounts once again : XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX Balance XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Balance {$510.00} XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Balance {$1600.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX XXXX XXXX XXXX {$61.00} XXXX XXXX XXXX XXXX XXXX Original Balance {$85.00} Date Assigned XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX