23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Selene Finance bought my mortgage from XXXX  XXXX XXXX who was my original bank since 2001 few months ago. I was hospitalized for 40 days due to some illness and I am behind in mortgage for 47 days. I scheduled for the full payment due by end of this month and I have explained the situation to the agents who processed the payment for me and provided with a confirmation number. 
I received a letter today from selene finance via certied mail threating to foreclosure on the property via certiied mail. 
My property is my primary residence for myself and the family. The Market value of the property by county is about XXXX and mortgage balance is about XXXX. 
I feel selene finance is not acting is good faith of thier client and it's bad or illegal business practice. 

C : New York State, Attorney Generals Office.
Product: Student loan

I inquired with Navient, my current loan service provider, in XXXX of XXXX about Public Service Forgiveness. At that time I believed I was under student loan forgiveness, under President Obama 's order. I was informed that I was not. I was put on the path by NAVIENT to consolidate my student loans under a new program that qualifies for public service loan forgiveness. I did everything I was asked to do and provided all information I was asked to provide in order to be considered for student loan forgiveness as a public servant. I have been a public servant since XXXX, long before this order was issued by the President. 

Two years later ( XX/XX/XXXX XXXX I discovered that I was not under the appropriate " Income Based '' loan and that I was not under " XXXX '' and I had not made a single qualifying payment out of the 120 payments they told me I would have to make. I made at least 20 payments as of this date - in fact I make a payment every two weeks on a Friday without fail. I have spent approximately 15 hours in phone conversations with either NAVIENT, XXXX  or FAFSA concerning this situation. I believe I have been mislead along the way and have been misinformed as to the results of my efforts and payments. I have paid over {$7300.00} in the last two years towards student loans, I still owe {$34000.00} of which I pay {$130.00} every two weeks, wherein {$88.00} goes to interest and {$50.00} goes to principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported an incident with Trans Union days earlier regarding their inability to correct my name and other personal information contained on my credit report, this is after numerous complaints and providing proof ( DL-Real ID, SSN ) with the correct information. Instead of them making the proper corrections they have instead chosen to block my credit report ( again ) please note : this was one of the FIRST reasons that I reported this issue to your agency. It was corrected, but here we are yet again. This issue has caused me DAMAGE since Ive been denied access to housing which I more than qualify to be approved for. This is only the first step of documentation. Trans Union is now going to have to resolve these issues in front of a Judge.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. 

XXXX XXXXBalance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXXBalance : {$64.00} XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$200.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXXBalance : {$62.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Debt collection

I was told by hunter warfield that I have a debt owed from XXXX XXXX XXXX I attempted to discharge the debt which is my right under HJR 192 73-10. I informed them to cease and desist under those grounds. Also under 18 USC 8 all debts public and private are the obligation of the UNITED STATES. They are in violation of FDCP Act 807 ( 2 ) ,807 ( 11 ) 809, and 812. And by not allowing me to discharge my debt under HJR192 73-10 they are violating my civil rights under the 14th amendment 42 USC 1983 42 USC 242 , 245. My rights are being violated and im being forced into involuntary servitude for financial gain .They willfully deprive me of my rights and privileges, they have used coercesion to pull me away from financial freedom. Also use of extortion to have me pay a debt a have provided remedy for. They are operating as a criminal enterprise of organized crime with 2 or more members executing these acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX Consumer Finance Protection Bureau Via Consumer Finance.gov website Subject : paralleling XXXX XXXX line The report of my death was an exaggeration. 

I submit this note of concern not simply because an alleged credit reporting agency claims I am deceased but, hurt feelings aside, this obviously false claim can kill my credit rating! 
Yes, mistakes do happen. Of broader importance is the agency ( the poorly named Sagestream ), its crony bank ( XXXX ), and the retailer ( XXXX  which apparently refers to the wide space between sales and service ) which chose the bank, have clearly indicated they do not give a XXXX. 
This awkward tale began with an attempted web purchase from XXXX linked to a cost saving if I agreed to apply for their credit card. Subsequently I received on XX/XX/XXXX a letter using my formal name XXXX XXXX, from XXXX ( an institution previously unknown to me. The letter dated XX/XX/XXXX said it was unable to approve my credit request as Sagestream reports applicant is deceased. 
Well. When I received the latter I called Sagestream on XX/XX/XXXX. Twice. Twice was put into a voice mail. Presented my problem. To date I have not received a response. Perhaps they are embarrassed? 
Moving up the line, on XX/XX/XXXX, I called XXXX where I was told, repeatedly, it was not their problem, I should call Sagestream. I finally asked for the banks fraud division. I was connected and with patience explained the situation. My reward was to be disconnected. 
Moving further up the line, I called XX/XX/XXXX XXXX/XXXX  XXXX to explain the problem and the obvious danger to my credit rating. I was told the matter would be referred internally and I would hear back in 30 days. I explained that a month dead would Really do damage to my reputation. He referred me to another number that referred me to another that flipped me back to the XXXX credit card company. Ive actually been to the real ( rudely-called ) XXXX XXXX where manners are far better. 
I do know if I am trapped in the company of XXXX, incompetents or gamers. I do know that given my past experience as a news reporter, I will not let this misbehavior lie.
Product: Checking or savings account

US Bank has frozen and restricted my checking account with an outstanding balance, informing me the account is set to close and I will be receiving a check in the mail. They have not closed my account officially or sent the check. US Bank needs to either make my funds available to spend/transfer online or proceed with the account closure and disperse my funds in a check immediately.
Product: Debt collection

I was contacted by a debt collector called Machols Johannes in XXXX, Colorado about a debt that I had already been to court on and setup payment arrangement with and paid the entire bill off. That company was XXXX XXXX XXXX. I have trying to Express my situation with Machols and Johannes bu th they just wont listen and have now file a court case against me for a bill I already paid.
Product: Debt collection

Repeated calls to this number asking for a different person each time. The names of he people they are seeking have no connection to the number being called. Called XXXX, XXXX, XXXX.
Product: Mortgage

I 'm pretty feed up with payment processors sending out mailings that resort to scaring people into reading their mailer and possibly tricking a consumer into calling them. 

The mailer i received today has " Mortgage Payment Information Enclosed '' most prominently displayed on the front of the letter in bold, red letters. It also has the return address of " Loan Payment Administration '' and through the window has " Regarding your : '' and my current mortgage called out by lender name. 

The body of the letter also states the direction to " Contact us by XXXX XXXX, 2015 '' and that " if you decline the biweekly program, you will be asked to confirm that you understand that you are voluntarily giving up the interest savings and loan term reduction. " We know what they 're doing and while it may be technically legal because they 've found the right loopholes, it 's still predatory. They must be tricking some people into calling, otherwise why would they do it. It should not be allowed. It 's just flat out dishonesty and that sort of dishonest should not be tolerated.
Product: Mortgage

On XX/XX/XXXX, I received a letter from LenderLive Network informing me " that the servicing of [ my ] mortgage loan has been transferred to a processing center at LenderLive Network '' and that " the right to collect payment [ by LenderLive ] is effective XX/XX/XXXX ''. I did nothing at the time, thinking it was fraudulent, since I had received another similar letter back on XX/XX/XXXX stating that my loan " was sold to XXXX XXXX or to XXXX XXXX as trustee for a trust holding your mortgage loan on XX/XX/XXXX '' but that " the sale of your mortgage loan does not affect any term or condition of the mortgage, deed, or note '' and " requires no action on your part ''. Then on XX/XX/XXXX, I got a notice of " payment past due and credit score warning '' from a debt collector, stating that " LenderLive Network was now servicing my account on behalf of XXXX XXXX - XXXX XXXX XXXX ''. There was also an itemized bill accompanying the notice dated XX/XX/XXXX that had an extra amount of {$68.00}, supposedly due to the absence of PMI. The original lender, XXXX, never made contact with me regarding the transfer of the loan, which is why I did nothing with the XXXX XXXX letter from LenderLive. I contacted LenderLive, and they explained the difference in cost by saying that they were billing us for an extra {$68.00} due to the absence of PMI when XXXX was in charge of the loan. I then paid the increased Escrow amount for XXXX, bringing my total to {$1200.00}. I created an online account with LenderLive, and when I logged in to pay XXXX 's bill, the amount due was back to the original {$1100.00}. My complaint is due to the following : ( 1 ) not being given notice from XXXX that my loan was sold and thus charged late fees by LenderLive during the transfer process when my account was in auto-pay and ( 2 ) that the value of the mortgage went up -- I am being charged more for PMI after LenderLive took over the loan because they said I had n't been paying PMI at all when the loan was being serviced through XXXX.
Product: Debt collection

you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX XXXX {$38.00} COLLECTIONS XXXX {$140.00} COLLECTIONS XXXX {$82.00} XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$120.00} XXXX XXXX    XXXX {$9700.00} XXXX XXXX  XXXX {$7600.00}
Product: Debt collection

Debt ( from around XXXX ) was settled on XX/XX/XXXX. I was contacted via mail in XX/XX/XXXX about this debt. This company, USI Solutions claimed they would sue me unless I could provide evidence of settlement. I emailed original settlement offer, with notes / payment confirmation code, as the original debt collector refused numerous requests to send me a satisfaction of debt / settlement letter. USI is still calling me and harassing me about a debt from 20 years ago that was settled 12 years ago. Most recently today, XX/XX/XXXX, at XXXX XXXX I recieved another phone call, but refused to even discuss the matter and hung up.
Product: Credit card

I WAS DECLINED FOR A CREDIT LIMIT INCREASE BASED ON " THERE WAS A RECENT CHANGE TO YOUR ACCOUNT ''. THIS RATIONALE IS BEING DISPUTED BECAUSE I RECEIVED AN " ACTUAL '' CREDIT LIMIT INCREASE APPROXIMATELY XXXX 2015. ON XXXX XXXX, 2015 I WAS APPROVED FOR AN ACCOUNT COMBINATION, IN WHICH, I CLOSED XXXX OTHER ACTIVE CAPITAL ONE ACCOUNTS ( # XXXX, # XXXX, # XXXX ) AND TRANSFERED THE INDIVIDUAL CREDIT LIMITS TO MY CAPITAL ONE CARD ENDING IN ( # XXXX ). THE COMBINATION OF MY ACCOUNTS RESULTED IN AN INCREASE TO MY CREDIT LIMIT, BUT IT WAS BASED ON ESTABLISHED AVAILABLE CREDIT FROM ALL OTHER CARDS, NOT AN INCREASE GRANTED BY A STANDARD CREDIT LIMIT INCREASE REQUEST. I MAY BE CONSIDERED FOR AN INCREASE NO MORE THAN TWICE A YEAR ( SIX MONTHS ) ACCORDING TO CAPITAL ONE TERMS & CONDITIONS. I RECEIVED AN ACTUAL INCREASE IN XXXX, THUS I SHOULD QUALIFY FOR A POSSIBLE LIMIT INCREASE UPON XXXX REQUEST, WHICH IS MORE THAN SIX MONTHS TIME FRAME. CAPITAL ONE IS CONSIDERING A CHANGE TO MY EXISTING ACCOUNT WHICH RESULTED FROM AN APPROVED ACCOUNT COMBINATION, NOT A STANDARD REQUEST. I CONTACTED A CAPITAL ONE REPRESENTATIVE PRIOR TO APPLYING FOR AN ONLINE CREDIT LIMIT INCREASE TO VERIFY LAST OFFICIAL INCREASE DATE, WHICH SHE STATED WAS IN XXXX, THUS I WAS WITHIN TIME FRAME FOR CONSIDERATION. TAKING INTO ACCOUNT THE XXXX APPROVAL FOR AN ACCOUNT COMBINATION EXPLAINS WHY I RECEIVED A DENIAL REASON OF " A RECENT CHANGE TO YOUR ACCOUNT '' ; IT 'S NOT WITHIN SIX MONTHS. CAPITAL ONE IS DEMONSTRATING UNFAIR ACCOUNT REVIEW PRACTICES BY CONSIDERING ACCOUNT COMBINATIONS, WHICH IS OFFERED AS A BENEFIT AND MEANS OF CONSOLIDATING SEVERAL ACCOUNTS INTO XXXX. CAPITAL ONE DID NOT PROVIDE ANY DISCLOSURE STATING THAT UPON COMBINING MY ACCOUNT, THE ACTION WOULD BE TAKEN INTO CONSIDERATION DURING CREDIT LIMIT INCREASE REVIEWS. I WOULD HAVE NOT OPTED FOR THIS COURSE OF ACTION IF I WAS MADE AWARE THAT IT WOULD REPRESENT " A RECENT CHANGE TO ACCOUNT ''
Product: Credit reporting or other personal consumer reports

On XXXX XXXX| submitted an online dispute to XXXX telling them upon viewing my report I notice several inaccurate items, I asked them to please provide me all the information Equitax used to verify these inaccurate student loan late payments. On XXXX XXXX Equifax had completed their reinvestigation and marked the disputes being accurate still and didn't provide me with copies or details of how they got the information, who they spoke with in order prove accurate? I received the credit report stating the results of each account has been updated. Additional information has been provided from the original source regarding the items. But it didnt show what information from the original source was provided and the credit report didnt reflect any changes made. On XXXX XXXX I disputed the inaccuracies again, on XX/XX/XXXX The investigation was complete Confirmation number # XXXX and they told me to be specific with the concerns by listening account names, numbers in the nature of the dispute, even though my dispute was clear. The following accounts by Dept of edXXXX are as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per XXXX these accounts that I have listed are reporting inaccurate late payment information when these accounts where in forbearance. Also, I have attached screenshots showing the dispute side my student loans are reporting late payments from XXXX these late payments go from 90 days late to 120 days late never being in 30 days late first or XXXX. And on the credit report side the payments reflect something different for the student loans showing the payments late for XXXX and XX/XX/XXXX as being 120 days late? And the previous data marked as unknown I never received a credit report showing this update.Equifax is clearly violated my rights to fair credit reporting.
Product: Credit reporting or other personal consumer reports

I Must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile below. 
According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified with out the original document supporting the verified account.

It is also my understanding that under the FRCA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely Deleted. 

The following derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise NOT PROVEN COMPLIANT to regulatory Federal reporting laws and or standards and MUST be removed immediately the infractions are as follows : Address : XXXX XXXX XXXX, XXXX, Tn XXXX Violation : FRCA USC1681 Accounts : XXXX XXXX XXXX Violation : FRCA USC1681 XXXX XXXX XXXX XXXX Violation : FRCA USC1681 XXXX XXXX XXXX XXXX XXXX Violation : FRCA USC1681 XXXX XXXX Violation : FRCA USC1681 By the provisions of the FRCA ACT and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 Compliance regulations, I demand thatches above mentioned derogatory items be investigated and permanently REMOVED FROM CREDIT REPORT.

Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on on deaf ears. it is important for you to understand that by law your required to take immediate action upon receipt of such request. Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I have submit dispute documents regarding Negative, incorrect, and outdated information. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience.
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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount XXXX. These persons have 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 agency can not furnish an account without my written instructions.

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. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be 100 percent accurate.

15 U.S.C 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by Congress to protect my rights.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX