23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been living in XXXX during the XXXX XXXX pandemic. In XX/XX/2022, I was approved for a third forbearance and a trial loan modification with a 3.5 % interest rate. In XX/XX/2022, the loan servicer M & T Bank sent me loan modification documents requiring me to have them attested before a XXXX notary prior to my loan modification being approved. Due to XXXX XXXX restrictions, the earliest date I could get a XXXX notary public was XX/XX/2022. Without any warning or notice they cancelled the loan modification in XXXX, returned payments I made in XXXX and XXXX. They are demanding a lumpsum payment of {$23000.00} and threatening foreclosure. I have asked them/they have refused to give me a payment terms that allow me to pay this amount in installments and resume mortgage payments. A copy of the request is attached, and proof of funds.
Product: Credit reporting or other personal consumer reports

FCRA Violations -15 U.S.C. 1681 et seq.

FCRA 1681s-2 ( a ) ( l ) ( B ) : Discover reported inaccurate charge-offs to XXXX. 
FCRA 1681s-2 ( b ) ( l ) : Discover failed to conduct a reasonable investigation into Claimant 's disputes.

FCRA 1681e ( b ) : Discover did not ensure maximum possible accuracy, violating consumer rights.

FCRA 1681i ( a ) ( 5 ) : Discover failed to correct errors, despite multiple disputes.
Product: Mortgage

Iwas paying a mortgage company called nation star and wasput into foreclosure It was supposed to be service by BAC home lending I would like to know in writing when did XXXX XXXX start servicing the loan and when did she stop in writing. I was told she did not service the loan any more when I called her inXXXX of 2015.
Product: Credit card or prepaid card

Someone opened a car in my name with out my permission. I reported it to the company and the company refuse to remove the card from my credit report
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I recently reviewed my consumer credit report and noticed that XXXX has conducted an investigation regarding certain accounts. As a result of their findings, XXXX has removed the following accounts from my credit report : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Department of Education Account Numbers XXXX XXXX XXXX XXXX Additionally, I have received a Form 1099-C from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and the Department of Education , confirming that these debts were discharged and written off as income by their respective creditors. 

According to IRS regulations, once a debt has been canceled and reported as income via a 1099-C, it can no longer be reported as an outstanding debt on a consumer credit report. Reporting discharged debt as collectible is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ).

Furthermore, 15 U.S.C. 1681s-2 ( a ) ( 2 ) ( iv ) of the FCRA mandates that if an investigation determines previously reported information was inaccurate, the furnisher must promptly notify each consumer reporting agency and provide the necessary corrections. Since XXXX has removed these accounts, TransUnion must also update my file accordingly. 

Request for Method of Investigation In accordance with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the FCRA, I also formally request that TransUnion provide a detailed description of the method used to investigate the following : How TransUnion verified the accuracy of these accounts.

The parties contacted during the investigation. 
Any supporting documentation used to verify the information. 
Given the documented discharge of debts, I formally request that TransUnion remove these inaccurate accounts immediately and provide written confirmation once these corrections have been made. 

Thank you for your prompt attention to this matter. If you require any additional information, please feel free to contact me. 

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

Hello, XXXX, Experian and XXXX reported accounts should be removed from my credit report according to FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) -B. Please review the recorded disputes and remove per law.
Product: Debt collection

Discussed payment options with Hunter Warfield, Inc over the telephone on XXXX XXXX, 2015 regarding my debt. I was told by the employee that payment by check was not acceptable and I would only be able to pay by credit card with a {$14.00} processing fee. The company 's website does however state that payment by check is accepted.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX GAVE OUT MY PERSONAL INFORMATION IN THE BREACH THEY HAD. 


MY CREDIT FILE WAS COMPROMISED AND GIVEN OUT IN YOUR BREACH. 

I GOT AN EMAIL TELLING ME ABOUT IT AND TELLING ME TO SIGN UP FOR FREE CREDIT MONITORING. 

I SIGNED UP OVER A MONTH AGO. 

WHEN I WENT TO CHECK MY INFORMATION SEVERAL DAYS AGO I WAS LOCKED OUT AND TOLD TO RESET MY PASSWORD. 
I WAS THEN TOLD TO WAIT 24 TO 48 HOURS TO ACCESS THE SITE. 

WHEN I TRY TO ACCESS SITE PUT IN ID. XXXX XXXX XXXX and put in password XXXX i AM TOLD THE CREDENTIALS YOU SUPPLIED ARE NOT VALID. 

I HAVE CALLED XXXX AND TALKED TO 3 DIFFERENT CUSTOMER SERVICE AGENTS AND 2 SUPERVISORS. NO ONE CAN CORRECT THE PROBLEM. I WAS TOLD THE RESOLUTION TEAM WOULD GET BACK TO ME TO RESOLVE THE PROBLEM. NO ONE HAD EVER GOTTEN BACK WITH ME. 

I BELIEVE YOU ARE DOING THIS ON PURPOSE SO YOU DONT HAVE TO GIVE ME THE FREE CREDIT MONITORING. I WILL REPORT YOU TO Consumer Financial Protection Bureau ( CFPB ) AS YOU ARE NOT FOLLOWING THE AGREEMENT YOU MADE WITH THEM. 

XXXX XXXX XXXX JUST A THOUGHT FOR YOUR IT DEPT. ERASE MY ACCOUNT ID AND PASSWORD AND LET ME PUT IN A NEW ONE. IT SEEMS PRETTY EASY YOU DONT HAVE TO BE AN IT GURU TO FIX THIS PROBLEM IF YOU WANT TO.
Product: Money transfer, virtual currency, or money service

Hi, I opened an Account With Remitly some time ago to send money to poor people in the XXXX. I closed it to use another service. I requested that my account information be deleted for security. Everyone gets hacked and they have my checking account information. 
I went back to remitly and they said I can not transfer money using my checking account because my account is associated with another account! 
I explained all this to them and asked that they delete both accounts and most importantly my bank information. 
Remitly refuses and says I agreed to to it in their agreement. I said That I revoke that authorization and they still refuse to delete my banking account numbers. 
This is a big problem waiting to happen. A hacker is going to hack them and clean out everyone 's bank account. 

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

My credit was used without my permission.
Product: Checking or savings account

I received several emails about a checking account opened in my name with Truist.I did not open a checking account with them and have never been to one of their banks. I called customer service and she said the only way she could look it up was with my social security number, which I was not comfortable giving. A User ID was created XX/XX/23 at XXXX XXXX  in the US. Account details in email : Account Truist XXXX Checking XXXX, Application ID : XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states : There is a need to ensure the consumer reporting agencies exercise their grave responsibilities with fairness. impartiality, and " respect for the consumers rights to privacy '' Experian and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801which states " It is the policy of the Congress that each financial institution has a confirming obligation to respect the privacy of its consumers and to protect the security and confidentiality of this customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to who it relates " ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX, Experian and XXXX do not have my consent to furnish this information and the surely do not have my written consent. Any and all who consent to XXXX, Experian and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, nonverbal, written, implied or otherwise is revoked.15 USC 6802 ( b ) ( c ) states that " Financial institution may not disclose no public personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that non-disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' except as authorized under subsection ( b ), no consumer reporting agency may take any consumer report containing any of the following items of information, other than records. of convictions of crimes which antedates the report by more than seven years. " This account is an adverse item they are reporting again without my permission which is against the law, 15 U.S, Code 1681s-2 ( A ) ( 1 ) A states '' 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.15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help
Product: Mortgage

I have requested guidance from my reverse mortgage company with regard to transition period after last borrower passes. In six months I have asked them three times and received no response.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies that persist on my credit report despite previous attempts to resolve the issue.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received XXXX packages from my mother for XXXX from the company XXXX XXXX. When I opened the package I saw the invoice inside with the items listed a dollar amount saying bill to me but didnt think anything of it as my mother purchased the items and had it shipped to me from her account. On XX/XX/XXXX I recieved an invoice with an account number and the contents of my XXXX gift listed with a due date and total. I immediately contacted customer service to let them know there was an error at XXXX cst when I got off work to let them know there was an issue. After being transferred around, the second representative told me that this happens all the time where accounts get created by mistake and I only had XXXX options to report the account as fraud or have my mom pay the account off and then I could call back to close it which would impact my credit even though I never opened the account. The banker acted very nonchalant as though this was a common occurrence. My mom told me no personal data of mine was provided other then my name and address for shipping of the item. They told me to pay the bill over the phone is {$2.00} or I could go through their automated system or online at no charge. Once I pay they said to call back to have the account closed. Once the call ended I had to go online and make an account to make this payment. I paid any balance listed on the account for the {$51.00} as my mom order this with no malice intended. Once online i found out not only did they erroneous bill me for these items, they created an account for me and also opened a line of credit in my name for {$900.00}! This issue kept escalating further and further down a rabbit hole of misinformation. I was very upset and called back immediately to have the account closed. The representative I spoke with at XXXX XXXX kept trying to disuade me to wait to close the account for XXXX hrs to allow the payment to clear. I repeated the issue about whats happened and that this XXXX gift has become a nightmare that I want out of. Now I have possible credit impacts for something I never did. My mother called customer service on XX/XX/XXXX and the representatives told her it was a computer issue and billing problem. For no one to pay the bills and it would be corrected in 2-3 days as my siblings my mom sent gifts to have also been impacted with accounts created. They did not take this issue seriously and only offered to escalate my closure request. The credit impacts will still be there as they created an unauthorized account with no permission or personal data being provided. Please look into this company and have any credit impacts removed by this business predatory tactics as not only was i billed but my mother was billed on her individual account where the gifts were generated from.
Product: Debt collection

I asked them to provide proof that this debt is mine because it isnt.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I have disputed this negative account on my credit reports due to identity theft multiple times. The company is stating that this account belongs to me and verifying that its mine from a checking account payment that does not belong to me as well. My personal information was used by someone other than me for financial gain in any and every way possible. I have been working to repair the extreme damage they have caused me. please remove this account from my credit report.
Product: Mortgage

Called BBVA Compass mortgage officer on or about XXXX XXXX, 2016. Explained that I had been approved for an FHA loan of {$150000.00}, but could not continue the loan because the main component ( XXXX Step Up Program-down payment assistance ) could not go forward because my estranged husband ( foreign country ) needed to sign a statement as to his income even though federal taxes had be filed stating a XXXX income. Because the purchaser was not able to get that statement, the loan had to be withdrawn. 

BBVA Compass has a community investment loan program ( Home Ownership Made Easier ) where a down payment assistance is offered and closing costs included in the loan. The seller had agreed to pay {$6300.00} of closing costs. I was assured by the mortgage officer at BBVA Compass that I did not need to get my estranged husband 's statement of income nor an o.k. to approve the loan. I also stated to him that I had applied with BBVA Compass about a month ago and denied because errors were discovered on my credit report that since had been removed. He pulled my credit while on the phone and stated that the credit scores were great and that my debt to income ratios were fine. He explained that the debt to income ratio was XXXX % ( purchaser is at XXXX % ). The application was completed and documents ( bank statements, homeowner 's insurance, flood insurance, etc. ) were submitted right away. My realtor was able to get an extension on the closing to XXXX XXXX, 2016, as the BBVA mortgage officer stated he could have the loan completed XX/XX/XXXX. 

On Monday, XXXX XXXX, 2016, I spoke with the loan processor for the first time and did not get a good feeling about this person because he asked about my estranged husband. Nevertheless, my realtor stated that the mortgage officer just yesterday, XXXX XXXX, 2016 stated that the loan was going o.k. But, this morning, purchaser received an e-mail action notice to sign documents from the processor and was shocked to receive a Denial Notice which is attached. Both reasons stated are bogus. Purchaser has no excess obligations. In fact, my expenses are : {$870.00} rent plus {$56.00} water/sewer ; {$230.00} car payment ; XXXX private student loans in deferment ( {$37.00} and {$37.00} once deferment ends ) ; {$25.00} payment on student loan ; and a {$500.00} line of credit that has been paid down to {$380.00} and can be paid off. All federal student loans have been consolidated and are in IBR with a {$0.00} payment. Purchaser is assuming that BBVA Compass is using the XXXX % of balance calculation for the consolidated federal student loans when, in fact, there is a {$0.00} payment on the credit report and statement. This is a community investment loan program, and I have not been evaluated properly. 

For some unknown reason, purchaser is finding it very difficult to get a home loan in the state of XXXX. Purchaser has purchased in the past several homes in XXXX without difficult and with a lower credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give these companies written permission to look at my credit report! 

I do not recognize any of these companies, or why they are even on my report. 

I would like them removed due to improper use.
Product: Student loan

I took out a federal loan on XX/XX/1992 at the time I was only XXXX years old and had no legal guardian present to authorize the loan. The school in question XXXX XXXX XXXX XXXX located here in XXXX is now closed and has been for quite some time due to these fraudulent practices. Since then I have experienced extreme financial hardships and have had several of my federal taxes seized and offset. The loan was a stafford loan and one of the lenders was with XXXX and now Pioneer credit corp is the agency trying to collect this debt. The loan has been handled by several different agencies in the past and continues to haunt me. I dont feel I am legally responsible for this loan due to my age at the time and desperately need this matter resolved forever.
Product: Credit reporting or other personal consumer reports

I am writing to address several concerns I have encountered with the credit bureau, including incorrect account listings, inaccurate credit reporting, billing errors, and accounts that are not mine.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- XXXX XXXXXXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Payday loan, title loan, personal loan, or advance loan

I have been under the impression that a faulty insurance claim has been taken out in my name under another 's SSC #
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan though  XXXX   XXXX   XXXX  and I was late and I called and made payment arrangements with a loan broker at  XXXX  and I was making extra payments and I was gon na pay it up to date on that Tuesday and they took it on that Sunday. They fired the broker and never got a hold of me and tell me so for that I do n't think it 's fear what they did. Now I have it on my credit report  3 time s and  XXXX  of they are bad. From  XXXX   XXXX  and also o n Grant and Webber.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and I found some inaccurate accounts that were reporting. I have made a list of all the inaccurate accounts I would like removed. I just started a business and can't get access to loans. Please remove these accounts as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX AUTO
Product: Debt collection

This complaint is against Amsher Collection Services for a bill from XXXX XXXX. I requested that Amsher Collection validate this debt and prove that I legally owe them anything. The company responded with two documents from the original company with a list of medical procedures and tests that I had done, which is a HUGE problem for me. This is a HIPPA violation. My medical procedures and test are protected personal information and should have never been given to a third party company. The second issue is that the documents are not sufficient to validate that I owe this company anything. The document is the list of my test and procedures and the payments made by the insurance company and where the original company charge off part of the bill. Balance is reporting as {$0.00}. See the attached documents. This is NOT validation that I owe Amsher Collection anything. Furthermore, due to the HIPPA violations, this voids everything.