23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I find it concerning that XXXX bank is not complying with legal request. I am not liable for this debt with citizens bank. I do not have a contract with this bank. They did not provide me any contracts as requested. By the provision of the Fair credit reporting act. I demand that this account be removed from my credit report as it is my right per FCRA section 623 ( a ) ( i ). I understand that under 15 U.S.C. Sec. 1681i ( a ), you most fulfill this request with 30 days of receipt of my complaint.
Product: Mortgage

My  XXXX   XXXX   XXXX  mother requested a modification of a mortgage being serviced by Ocwen in   XXXX  , shortly after my father passed away. The tenants in the property were taking advantage of the situation where my father was  XXXX    XXXX    XXXX  and they would not pay rent. We tried to evict them for non-payment, but they used a local renters free legal aid program to take us to court, costing us thousands. Needless to say, this caused my poor mother much grief during a period where she just lot her husband of 53 years, and she was advised by a n Ocwen representative to stop making mortgage payments, so they could modify the loan. They then declined the modification request and advised my mother to sell the property on a short sale, which caused her much financial duress.The loan amount was approximately {$480000.00}.
Product: Consumer Loan

On XXXX XXXX, XXXX I purchased a XXXX Nissan Altima VIN # XXXX from XXXX XXXX XXXX XXXX XXXX. I noticed after a few days that the vehicle had transmission problems and returned the vehicle on XXXX XXXX, XXXX. The same day that the vehicle was returned I purchased a XXXX XXXX XXXX XXXX # XXXX. I was told that my first payment for the XXXX Nissan would be due by XXXX XXXX, XXXX and per my contract the new loan was financed through the same company as the XXXX Nissan which was Santander Consumer USA. In XXXX XXXX called Santander to make my payment and was advised at that time that I was never approved for the XXXX Nissan and that I owed a payment on the XXXX Nissan that was returned. Per the representative at Santander she recommend that I contact the dealership to inquire on when they will be submitting the documents on the XXXX car and providing the contract for the XXXX Nissan. I have called XXXX XXXX XXXX XXXX XXXX several times and no one has ever returned my call regarding the issue. The only calls that I have received from the dealership have been reminder calls regarding upcoming oil changes. 
I have contacted Santander USA several times as well and per my phone call on XXXX XXXX, XXXX the representative advised me that I am behind on the XXXX Nissan in the amount {$2700.00}. He also stated that the vehicle is out to be repossessed and my issue is not with their office it 's with the dealership and that I will be responsible for the deficiency balance once the vehicle is sold. In addition to the inconvenience of this whole entire situation I have also received an Adverse Action notice dated XXXX/XXXX/XXXX stating that they pulled my credit on XXXX/XXXX/XXXX and due to several reasons they have denied my loan. The problem is I never applied for any loan with Santander on XXXX/XXXX/XXXX. I purchased both of the vehicles in XXXX and that was the only time I authorized my credit to be pulled. My credit score has now dropped due to Santander reporting past due payments and a charge-off as of XXXX XXXX, XXXX. No one will help me get this issue resolved and at this point I 'm considering getting an attorney because I feel that the Santander and the dealership is trying to stick me with paying for a vehicle that I returned to the dealership months ago. Please also note that Santander is listed as the lienholder on my current contract for the XXXX Nissan Altima however they state they have no record of the car only the XXXX Nissan Altima that was returned to the dealership on XXXX XXXX, XXXX. Please help me to get this issue resolved.
Product: Mortgage

Today is XX/XX/2024 and my Mortgage payment has not been posted. It is the law that consumers payment are posted. The mailing address for my payments is : Select Portfolio Servicing, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. However, My XX/XX/2024 Statements address was : Select Portfolio Servicing, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. A different XXXX XXXX XXXX, I dont understand the deception. Moreover, on XX/XX/2024, at an attorneys advice, I sent Select Portfolio Servicing, a Certified Letter, Requesting to know, the Owner of my Mortgage Loan. The letter was signed off and picked up on XX/XX/2024, By XXXX XXXX. I have a the actual, Signature Confirmation. Today is XX/XX/2024, and Select Portfolio Servicing, has still, not informed me, XXXX XXXX, who is the owner of my mortgage Loan. It is the law that and Select Portfolio Servicing obligation to provide me the Name, Address, and Telephone number, of who owns My Mortgage Loan.
Product: Mortgage

I received my prequalifying from Freedom Mortgage for {$500000.00}. We found a house and submitted the contract to Freedom Mortgage on XX/XX/2022. I did not receive any guidance or information until XX/XX/2022, after I sent an email asking if they needed anything from me. They sent me a loan disclosure and I immediately asked if the closing cost could be adjusted. They came back and said yes and they would send me the new loan disclosure. I got the new disclosure and found that the closing costs went up almost {$5000.00} versus my request to lower it {$5000.00}. At this point, I sent multiple emails throughout the next two weeks with no response. I called and left multiple messages with no response. The house was suppose to be closed on XX/XX/2022. Finally, on XX/XX/2022, the lender finally contacted me and said they are working it. On XX/XX/2022, they said they could not lower the closing costs. On XX/XX/2022, I find out the loan was not even approved and they said they were working it and I received no information after this. XX/XX/2022 came and gone and I lost all my escrow. I still to this date, XX/XX/2022, have received XXXX communication from them. They also did not provide the needed information to the title officer during this process. They set on the VA appraisal for over a week and I received it the week prior to closing. So, we lost the house and the escrow due to Freedom Mortgage not upholding their responsibilities as a mortgage company.
Product: Mortgage

Wells fargo was suppose to conduct a trustee sale at auction but discontinued the auction 7 days after the auction date. they may have set s sale and discontinued twice but then instead of trying a third time Wells fargo sold my contract to XXXX XXXX who took more then a yr and all their additional attorney fees and fines and court costs filing fees ect before finally successfully selling the home conveniently making the home a REO falsifying a claim to a bonafide 3 party purchaser who mortgaged the auction money and is already in default. Now I'm about to get evicted on Monday. I am having no success contacting and speaking w any attorneys so I'm having to represent myself
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report act XXXX Account XXXX XXXX XXXX  # XXXX XX/XX/XXXX {$570.00}, XXXX XXXX XXXX # XXXX XXXX XXXX, XXXXXXXX of VA  # XXXX XX/XX/XXXX {$12000.00}, XX/XX/XXXX {$12000.00} has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15U.S.C. 1681 section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Mortgage

On XX/XX/2020 Shellpoint took over my mortgage payments from Deitch ( Greentree ). At that point I had already submitted a request from Deitch for my payment records because I had realized there is a large balance due which should not be because my signed original contract ending on XX/XX/2020. 
I have contacted Shellpoint numerous times both by phone and email asking them to correct this, with no response. 
At that point I started investigating this and discovered Greentree had been sued by both the Federal trade commission and the Consumer Financial Protection Bureau for numerous illegal transactions. 
There fore I have ran out of time because my signed contract for 300 payments have been completed in XXXX of XXXX 
With no attempt from Shellpoint to correct this matter, I contacted the State of Kansas Office of Attorney General for assistance. They have been working on this with no avail also.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX MY SOCIAL SECUIRTY # XXXX I REVIEWED MY CREDIT PROFILE FOR THE FIRST TIME AND NOTICED I HAVE UNAUTHORIZED INQUIRIES AND AN ACOUNT THAT WAS NEVER MINE, PLEASE HELP I HAVE BEEN A VICTIM OF FRAUD AND MY INFORMATION WAS LEAKED WITH THE DATA BREACH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REVIEWED MY CREDIT PROFILE FOR THE FIRST TIME AND NOTICED I HAVE UNAUTHORIZED INQUIRIES AND AN ACOUNT THAT WAS NEVER MINE, PLEASE HELP I HAVE BEEN A VICTIM OF FRAUD AND MY INFORMATION WAS LEAKED WITH THE DATA BREACH 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/XXXX
Product: Checking or savings account

I wrote a check to XXXX on XX/XX/2020 ( check number XXXX ) for {$250.00}. Ed XXXX XXXX deposited my check into their account and Chase let them withdraw the money without any verification of the check. I do not have a relationship with Ed XXXX XXXX. Chase claims that they do not have to verify check, nor request a copy. The escalation specialist today explained that as long as I have money they will let anyone take it out of my account without verifying. That it is in fact not their job to verify who the check was written to. They refuse to get a copy of the check from XXXX or Ed XXXX XXXX to verify. I have already had to mail a second payment to try to prevent further problems with the XXXX account, to which Chase confirmed that anyone can cash without verification. How can this be?
Product: Money transfer, virtual currency, or money service

A request from XXXX XXXX was submitted to NFCU to transfer rollover XXXX monies to XXXX XXXX. NFCU sent the check to the wrong address and put the wrong name on the check. They have not made any attempt to get the monies back and they are just waiting for something to happen. I am out {$12000.00} and have no idea when I can get NFCU to complete the requested transfer to my account at XXXX XXXX to buy a XXXX annuity Can you get them to act on their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I started the forbearance program in XXXX of XXXX with XXXX. During this time my job was secure and i was still making all my monthly payment on time and in full. Recently, in XXXX of XXXX i lost my job due to the pandemic, and have stopped making my mortgage payments while on the forbearance program in XXXX. In XXXX of XXXX Midland Mortgage purchased my mortgage from XXXX XXXX. i extended the forbearance once. So now im 5 months into not paying my mortgage. 
Midland Mortgage is stating because i started the forbearance in match of XXXX regardless of the fact that i have been paying all that time and have now only been delinquent for 5 months that i can no longer extend the forbearance program. 
So does this also mean i can go back to XXXX  XXXX and tell them hey since i was on the program I want all my money back that i stood and paid during the forbearance program? 
This is completely unfair and does not make any sense whatsoever. 
This complaint to with my current mortgage holder Midland Mortgage, a Division of MidFirst Bank.
Product: Credit reporting or other personal consumer reports

I have filed multiple disputes. 
XXXX has retroactively removed positive payment history and changed it to negative. 

In XXXX they reported XX/XX/2023 late, after the account was XXXX 'd out in balance in XX/XX/2023. I disputed, and had an attorney send a demand for arbitration. After 30 days, they responded, stating bank error and correcting information. Now in XXXX, they are reporting a 30 day late payment in XX/XX/2023, while the account had been XXXX 'd out in XXXX and no payment was due in XXXX or XXXX. 

The company responds slowly, continues to make false changes to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Acc # XXXX has violate my civil rights XXXX5 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B ; A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose
Product: Credit reporting

XXXX XXXX has been listed on my credit report with Equifax and XXXX I 'm not sure about XXXX because I am unable to access that report online. XXXX XXXX is backed by XXXX XXXX from what I have investigated thus far. I have made several calls to them trying to get resolution and find out why they are listed on my credit report with a date over 10 years ago. I was told by XXXX in XXXX dept. that I once had an XXXX Credit card with a open date of XX/XX/XXXX and account was closed on XX/XX/XXXX and deleted from my credit file XX/XX/XXXX. Somehow XXXX XXXX has my XXXX # and has been reporting that I have an open line of credit with them and paying as agreed. I have no idea who these people are and I do not have a line of credit with them nor I 'm I paying anyone under this name. I would like this removed from all XXXX credit reports. I am a single mother trying to clean up my credit and have been turned down for credit due to inaccurate information such as this reporting on my files. I have not been getting much help with anyone and they are speaking to me as if I am out of my mind or seeing this when this is clearly on my credit as revolving credit. I have called the Agency control, XXXX XXXX, XXXX XXXX and still no resolution. I was even told they have my name spelled " XXXX XXXX '' with XXXX XXXX. I would like to know Who these people are and how they are able to get away with something like this. Please help! Thank YOU!
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. 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. 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 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 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 XXXX admitted they had my police report XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX Account has been reporting inaccurate on my credit for years the balance is incorrect the dates are incorrect and it keeps reporting & the dates closed keep changing to extend the actual removal timeframe. This is unlawful but it's happening with XXXX XXXX XXXX XXXX also. This is also unfair and hindering my timelines to rebuild my life & my credit. I thought if they are reporting things inaccurate they have to fix them and or remove them. Neither is happening for me, I need a place to live for me & my kid these inaccuracies have us homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX 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 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX 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 whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( 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 designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX and XXXX are not maintaining 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 card or prepaid card

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being lat
Product: Debt collection

A few weeks ago, I received an email from XXXX indicating that there was a collections account on my credit file from a law firm called Kimball , Tirey & St. John LLP. When I looked further into the issue, I discovered that it was for a rent payment that they alleged that I did not pay in XXXXXXXX XXXX to XXXX XXXX XXXX  in XXXX, California. 
I promptly looked through my records and found that I had, in fact, paid my rent that month. In what has turned out to be a stroke of luck, I paid with my XXXX credit card, and I had a copy of my statement from that month, including a payment of {$1300.00} made on XX/XX/2019 to : XXXX XXXX XXXX  XXXX XXXX ... 
I disputed this collections account with XXXX and furnished them with information that I had paid the debt on time, but for some reason XXXX declined to remove the collections account from my credit report. 
I also contacted Kimball, Tirey & St John LLP and provided them with a copy of my credit card statement showing the date and amount of my payment. They responded that they would look into it, but as of this moment, I haven't received any further news. 
If you look at their invoice, of which I have enclosed a copy, and take into account the payment that I made on XX/XX/2019, it becomes clear that XXXX XXXX actually owes me money, since they never returned my security deposit. 
The worst part of all is that this was reported as a collections account to at least two of the credit reporting agencies, and I was in the process of buying a house. Once XXXXimball, Tirey & St. John reported this false or erroneous debt to XXXX  my credit score instantly dropped by 69 points, effectively ruining my chances of purchasing a home in the near future. 
I feel lucky to have solid proof that my payment was made, and I feel that there are likely a lot of lower income families that are victims of similar situations. Families that trust that when they make a payment, that someone is keeping track and doing the right thing. Unfortunately, that doesn't seem to be the case here. 
In the attached documents, I have highlighted the relevant information.