23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I just received a response from Fay servicing on complaint XXXX This loan was transferred from XXXX XXXX In XXXX, We were on Covid forbearance ( current prior to covid ) XXXX XXXX started our modification streamline review before the forbearance was supposed to end in XXXX. A streamline was to put the past due at the end we were eligible because our loan was current prior to covid. We didnt have to be reviewed for a month per XXXX XXXX . 
The review started XX/XX/XXXX with XXXX XXXX we shouldve had a decision prior to transfer in XXXX. I called XXXX XXXX and they said Fay servicing shouldve pickup were they left off, that didnt happen. 
Fay servicing starting us a new review as if we were not already in modification review with XXXX XXXX, it was streamline they were reviewing us for flex modification no documents requested because our loan was current the loan was transferred and the investor changed. Fay asked us to complete the modification package for reviewTHEY DID NOT PICKUP WHERE XXXX XXXX LEFT OFF they said no such thing as streamline review but that is what XXXX XXXX was reviewing us for, they can clearly see no documents were requested from us from XXXX XXXX so how could they be reviewing us for modification, we submitted a complaint to XXXX XXXX as XXXX XXXX because they dropped the ball and now were having to go through all these hoops to start making regular payments. Trying to get our home current. 
The income provided to Fay for modification shows more than enough income than the underwriter calculated. Its self employment income and wage earnings from spouse. On the application it said XXXX for non borrower spouse, The paystubs clearly shows over XXXX and no one called to verify if more could be used, they just declined and said not enough income. We need the modification processed. A new review has been submitted. The loan is not in foreclosure now but received a demand letter and spoke to several people at Fay saying this will go to foreclosure any day. We need this resolved please. Need our payments back to were they were and the arrears put at the end please. We have a family and need our home. 
Its not our fault the communication with the XXXX servicers was misconstrued. Fay didnt pickup were XXXX XXXX left off, they started their own review and several people say its a different investor with Fay than XXXX XXXX was with XXXX again this is not our fault. 
I already have a attorney and willing to go to the news. Im trying to handle with these XXXX mortgage companies first. If the loan needs to be sent back to XXXX XXXX, I request that be done. They went over 30 days we shouldve had a decision XX/XX/XXXX XXXX weeks before the transfer and No one sent us anything saying we needed to send anything until Fay got the loan, The new package that was sent XX/XX/XXXX from my request..the underwriter calculated income incorrect.
Product: Debt collection

Advance Bureau Collection is a thorn in my flesh, and they should be investigated as a criminal enterprise. My name is XXXX XXXX, and this company is harassing my little brother XXXX XXXX, a XXXX  patient and an Army Veteran along-side XXXX XXXX XXXX. They are attempting to collect a fraudulent debt that doesnt belong to him. I am his payee through the Social Security Administration, and he barely makes XXXX XXXX dollars a month. Supplemental Security Income is invariably exempt from garnishment, and other types of Social Security benefits are sometimes safe as well. No one other than the government can intercept or garnish his benefits. If a lawsuit results in a monetary judgment, the plaintiff must look to other assets for a collection that he doesn't have. 

Furthermore, XXXX knew they could not collect on a judgment when they tricked Advance Bureau Collection to purchase this illegal, and fraudulent debt ; even garnishment is improper. Advance Bureau Collection must be sanction and/or fined and I am reporting XXXX XXXX XXXX to the Georgia XXXX  XXXX XXXX  and Finance Department. Both of these racist entities can use racial slurs against me, but I will not stand idly by and let them use racial accusations against my XXXX  sick baby brother. I am seeking legal help from XXXX  legal defense fund since XXXX lives do not matter to these two racist and radical criminal enterprises. 

I will fight for my brother until I leave this earth. Then they had the unmitigated gall and the chutzpah to put this fraudulent debt on all three of his credit files. Advance Bureau Collection would not send him a debt validation letter per federal law. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Product: Payday loan, title loan, or personal loan

They are reporting some title loans that I have never Tooken out and they are rejecting all of my credit applications due to this dispute
Product: Credit reporting or other personal consumer reports

I HAVE ACCOUNTS WITH DEBT IN MY NAME THAT I HAVE NO KNOWLEDGE OF WHICH I REPORTED MUTIPLE TIMES SUCH AS XXXX XXXX XXXX XXXX XXXX XXXX IN THE AMOUNT OF XXXX {$12.00} XXXX XXXX XXXX XXXX IN THE AMOUNT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTEMENT OF EDXXXX XXXX XXXX
Product: Debt collection

I've written a letter to dispute this several times to XXXX and XXXX   has yet to validate this debt from American Credit Bureau in the amount of {$260.00} from 5 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon retrieving my credit report to my surprise I noticed an inaccuracy. It was a COLLECTION account XXXX  acct # XXXX reporting that NOT ONLY AS AN OPEN STATUS, BUT ALSO A PAST DUE AMOUNT of {$1400.00}. Not accurate According to the FCRA I have the right to an accurate credit report. I sent a certified letter to Equifax about this on XX/XX/XXXX which they received on XX/XX/XXXX and asked them to remove this item due to inaccurate reporting ( a collection account cant have an open status and a past due amount reporting On my credit file. 
I received an updated response by Equifax stating the account is verified and updated *balance, *past due, *credit limit, *actual payment schedule, *portfolio status, *account history. 
None of which addressed my concerns : Equifax commented consumer dispute ( not specified ) but it was I am attaching the letter and their report reflecting open, past due and collection account as well as the certified mail receipt In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # * 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: Payday loan, title loan, personal loan, or advance loan

I applied for a loan, I was told that they could not verify my phone number and banking information. I spoke with a representative on XX/XX/24 and she advised I would have to do a three-way call with my bank to verify my information. I tried to call them but they were closed so I told the rep, I may call back on Monday XX/XX/24. I never called my bank or Elklending on or anything after that. I see in my email I got a approval from them without verifying my banking information or the number as they requested. I also did not e-sign any documents for the loan or finalizing anything. Now they say they credited {$600.00} to my account and now they are taking {$170.00} from every paycheck which I do not know any terms nor have I agreed to anything.
Product: Money transfer, virtual currency, or money service

I want to express my concerns regarding Zelles handling of disputes partially in light of recent CFPB lawsuit highlighting significant issues in the platform. Zelles failed to investigate my claims adequately. They said recovering lost funds was impossible and could not track. CFPB findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system. Letting users get scammed. Theres is a lot of consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on. 
" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  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 XXXX. 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 XXXX more than 21  times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Debt collection

I had an agree settlement with the company to settle my debts and was told that I can submit payments through their online system but when I tried it would not let me. I tried submitting payments twice. I found it strange that after the submitting the payment it would not give me a confirmation and would redirect me back to the beginning of the payment. So I waited till business hours to call for confirmation only to be told that I did not have sufficient funds for my payments an was charged a resubmit fee TWICE. I tried to explain to the representative that this happened because I resubmitted my payment because I did not receive a confirmation code how I normally do. I was then told by the representative that my settlement agreement was cancelled due to the return funds. and all the payments I have worked to pay for is now no longer part of my repayment and I would have to start my settlement over. This is a scam! The representative told me that I would be able to submit payments online but I wasn't and now I have to pay the consequence for misleading information. Trying to do the right things are not paying off. The representatives name is XXXX and his ID number is XXXX.
Product: Debt collection

I sent a letter to Transworld Systems Inc requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They have not responded to my request. I have attached supporting documentation. They have reported delinquent information to the three credit bureaus that I am asking to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXccount : XXXX XXXX Auto-acct # XXXX XXXX XXXX-acct # XXXX XXXX XXXX-acct # XXXX XXXX XXXX XXXX XXXX-acct # XXXX XXXX XXXX XXXX XXXX # XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXX-acct # 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: Mortgage

I would like to inform you my lender approved me to home modification, and I passed the 3 months trials from XXXX to XXXX. They sent me pockets for signature and notarized it.Multiple times my lender sent home modification pockets.The last pocket I sent was XXXX via US postal.3 days delivery.It has 1 more week before the timeframe lapse.Then as of today XX/XX/2020 I received letter from my lender that my application is denied to some reasons : I failed to submit the Home Modification Agreement in the time frame provided for me. I have the receipt of my mail that I sent to my lender.
Product: Credit reporting or other personal consumer reports

I have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by me. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly contacted XXXX XXXX and sent in proof through varies forms of communication including email, mail, fax and have spoken to representatives that have refused to transfer me to a supervisor in the compliance department regarding a mistake in my payment history. I will once again provide evidence that states every excuse Ive been given such as : bank account number not existing, my bank unable to locate account number and my payment being set up incorrectly. I contacted my bank and they have sent me a written statement saying they never sent a payment to XXXX XXXX because none was requested. I will send in evidence in the form of a bank statement showing my bank account was open and active for the month Im disputing which is XXXX of 2020. I am sending an email confirmation of the payment being set up on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for a loan, and was turned down and I looked my credit up and seen items on my credit that should not be on my credit and needs to be removed .i contacted all three beaureus and no one has answered back. So I want to see is their something that you can do.I am including my DLSS and police report.
Product: Student loan

Nelnet Student Loan servicing has to b

e one of the worst experiences. My payments keep changing with strange amounts. They won't let me setup automatic payments with an additional amount to pay more and pay down the loan faster. The website is impossible. I have had trouble logging into the site nearly every single time. I have never had so much trouble with a website and their forms. Sometimes it won't even load the login page. Other times it tells me my password is incorrect. I can hard refresh, clear cookies, etc but it won't work. Then, I'll try the same password 2 days later and it magically works. To speed it up, I can reset my password where they ask me for my SSN, not my email, to reset it. Then, the email for resetting OR for the 2FA can take over 10 minutes to arrive in my inbox.

The payment dates change. I expect money to be withdrawn on a specific day ( more or less ) but this week it was a full week early.
Product: Credit reporting or other personal consumer reports

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

TransUnion, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX under the account number ( XXXX ), XXXX XXXX under the account number ( XXXX ), XXXX XXXX under the account number ( XXXX ) ), XXXXXXXX XXXX under the account number ( XXXX ), XXXXXXXX XXXX  under the account number ( XXXX ). I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All if the aforementioned accounts are a result of identity theft and fraud. I have attached a copy of a FTC Identity Theft Criminal Complaint Case XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts are a result of identity theft and fraud. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS.
Product: Credit card

My Wife was the victim of a scam and computer fraud. She received a phone call from someone indicating a relationship with XXXX and XXXX that her computer was hacked. She was directed to a web site where the caller showed her various obscene images and offered to remove them for a fee. My Wife was then duped into giving the caller several credit cards ( with security codes ) - all of which the caller alleged said did not go through until she was finally able to use her Chase Mastercard. Then the caller - representing XXXX - took control of her computer and literally took several hours to allegedly clean it up. When I returned home, I recognized that this was a scam. I immediately advised by Wife to contest the charges ( {$250.00} ) and to close All of the Accounts where she had given Credit Card information, which she die. 
The very next day, we then took the now infected computer to the XXXX who are computer specialists at Best Buy. They acknowledged this familiar fraudulent scenario and encouraged us to have their techs inspect the computer. They found XXXX traces of infection and over XXXX suspected malware issues. They then proceeded to delete all of the spyware and infections, and we purchased a XXXX - XXXX program. Total Cost {$210.00}. 
Since then, Chase has failed to remove the fraudulent charge from my Wife 's account. They cite a fraudulent contract with XXXX which was NOT signed by Wife. In addition, they refused to recognize the information that we provided Chase with all of the documentation from Best Buy showing that the computer was severely infected and that XXXX really did not perform any service at all. They simply wiped off what they apparently put on the computer when my Wife was directed to their companion site. Although no real services were performed, Chase continues to send letters saying the balance of {$250.00} is due. Their letters arrive almost two weeks passed the date on which they are written. Chase appears to be complicit in allowing this scam and computer fraud to continue by failing to remove the fraudulent charges from my Wife 's account. 
I can provide Account information and Chase 's contact information to help resolve this matter. Thank You. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX my handbag and weekender were stolen containing my birth certificate, passport, driver 's license, debit card, credit cards, employment ID, social security card and checkbook. On XX/XX/XXXX, I began receiving collection calls for several accounts that I did not open. I contacted the police in order to file a report. The authorities advised that they do not investigate identity fraud and that I should file a report after the perpetrator was identified. I contacted an attorney who referred me to her investigator. They filed all the necessary legal paperwork to close/remove the fraudulent accounts from my credit report from XXXX - XXXX ; however, I was caught in a vicious cycle since new accounts were constantly being opened. I have sent countless notarized and certified notices to Equifax requesting removal of all fraudulent accounts-they simply reply with a blanket " account verified ''. Equifax has failed to protect me and my credit rating from IDENTITY THEFT predators.
Product: Debt collection

1 ) ACCOUNT IS IDENTITY THEFT FRAUD, BY XXXX XXXX 2 ) ACCOUNT REPORTED TO LAW ENFORCEMENT AS IDENTITY THEFT FRAUD, 3 ) COLLECTION COMPANY KEEPS HARRASSING ME 4 ) ACCOUNT IS NOT MINE 5 ) ACCOUNT OPENED BY ANOTHER PERSON 6 ) XXXX XXXX HAVE VIOLATED MY CIVIL RIGHTS BY ENGAGING A FRAUDULANT CLAIM AGAINST ME 7 ) MCCARTHY, BURGESS, & WOLF HAVE VIOLATED MY CIVIL RIGHTS BY ENGAGING A FRAUDULANT CLAIM AGAINST ME