23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mother entered into a reverse mortgage the company ( formally known as XXXXRMS ) and now PHH Reverse Mortgage. She died XX/XX/XXXX. I entered into a Covid forbearance while I was dealing with both my mom 's and dad 's estate ( I am their only child ). I also was directly affected by Covid and a temporary lapse in employment, so I appreciate the extension which expired on Jan 26, 2022. My main intent throughout this whole process was an heir payoff. PHH scheduled an appraisal on XX/XX/XXXX. And since that time ( as of today XX/XX/XXXX XXXX EST ), I am still waiting for my heir payoff. 

Without an heir payoff or related purchase agreement, I'm not able to start my process to close on this home which begins with the bank ordering their own appraisal. I have also repeatedly requested the loan origination documents and statement from inception of the loan to date for several months. I also put this officially in email writing on XX/XX/XXXX. 

My problem is I am unable to speak to anyone directly in the XXXX XXXX XXXX. I am also not able to receive an update on the loan origination and statement documents. The house is in foreclosure. But I'm repeatedly told by customer service agents when I call that there is : " no sale date yet '', " XX/XX/XXXX '' and " XX/XX/XXXX '' and " XX/XX/XXXX '' sale dates. 

Additionally, I am concerned with the documents my mom signed and the way this mortgage product was sold to her many years ago. I remember reverse mortgage brokers knocking on her and other neighbor 's doors, calling her incessantly and telling her to not discuss her reverse mortgage options with me. These products often disproportionately target low income minority home owners which I find unscrupulous and unethical. And many don't quite understand what they've signed nor the ramifications of their decisions after their passing, which is also why I've retained legal help to get some understanding on why I've never seen the documents I've requested and what is contained within them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like my personal information to be updated on my credit report. I am now married and I would like for my old information removed and new information updated. 
Name : XXXX XXXX XXXX Number ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX Arkansas XXXX
Product: Money transfer, virtual currency, or money service

Hello. 
My name is XXXX XXXX I have problem with my paypal account, can't send funds from my paypal card My account ID : XXXX Why this is limited? i have send all documents what you want, and you don't reply now on account. 
I want an account appeal Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to Equifax on XX/XX/XXXX to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, LA XXXX XXXX ( XXXX ) XXXX XXXX Subject : Formal Complaint Regarding Failure to Issue Form 1099-C and Request for Debt Deletion To Whom It May Concern at the CFPB, I am filing this complaint regarding Chrysler Captial for their failure to comply with federal law concerning the issuance of Form 1099-C ( Cancellation of Debt ). The company has discharged a debt of over {$600.00} and written it off as a profit loss, which, according to Section 6050P of the Internal Revenue Code, legally obligates them to issue a Form 1099-C to me and the IRS. Despite this obligation, I have not received the required form. 

This failure to issue the Form 1099-C has created unnecessary financial and legal complications for me. I am formally requesting the following actions : 1. Immediate Issuance of Form 1099-C : The company must issue the required form to both me and the IRS without delay.

2. Deletion of the Debt from My Credit Report : Since the debt has been discharged, it must be removed from all credit reporting agencies promptly. 

I have attempted to resolve this issue directly with Chrysler Captial without success. This failure to act not only violates federal law but also subjects me to financial harm and potential liability.

I am submitting this complaint to request CFPB assistance in compelling Chrysler Captial to comply with their legal obligations. I expect confirmation of both the Form 1099-C issuance and the deletion of the debt from my credit report as resolution of this matter. 

Thank you for your assistance in ensuring this issue is resolved promptly. Please feel free to contact me if you need further information. 

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

Inquiries listed are unauthorized inquiries that I have no knowledge of. I have called each company and the credit bureaus for help with this matter, to no avail. I believe these inquiries and misinformation is affecting my credit score and it is affecting my ability to obtain credit with other companies. I would like these inquiries removed from my report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion
Product: Bank account or service

Due to my account being overdrawn on XXXX/XXXX/2016 I was charged a overdraft fee of XXXX which I paid but not right away with no problem due to my error. I received an emailing stating I had until XXXX/XXXX/2016 to take care of bringing my account current or I would be charged additional/extended XXXX which I did on XXXX/XXXX/2016 which was apparently to late. it does not matter to the bank that I was charged the additional even when my account was current the only concern was I had 5 business days to correct and it was not done according to their procedure business day.
Product: Mortgage

I paid my most recent mortgage payment by phone on XXXX XXXX. During that process, I was advised by the automated system, that my payment could not be processed. I called back and spoke with a representative, who verified that my payment had in fact been processed along with the {$13.00} fee charged. This originally happened about 5 months ago. I made my XX/XX/XXXX or XX/XX/XXXX payment and was advised that it was not processed. I was a little worried and called back to speak with a representativeIThat 's when I was advised that the payment was n't processed again because I already paid. I advised the representative that the automated system told me that it could not be processed and if I had n't called back in, I would have never known that my payment and fee of {$13.00} was processed. I have reported this issue for several months and nothing has been done about it. From my understanding, when processing an ACH payment, there is a XXXX disclosure that must be provided every time a payment is made.
Product: Credit card

I tried to log in to my XXXX Credit card and was not able to. When I called, i was told by the customer service representative that the account is closed due to inactivity. I did not receive any information that my account is going to be closed due to inactivity and having the account open since XX/XX/2011, i did not remember the terms and conditions. I asked for the terms and conditions to be sent to me so i can confirm that indeed that account was closed accurately and was advised that i will receive the terms and conditions in mail. couple weeks later i received a letter advising that XXXX XXXX Synchrony Bank XXXX does not maintain copies of credit card agreements for closed accounts. So there is no way for me to know the accuracy of closing my account.
Product: Credit reporting or other personal consumer reports

I have two evictions on my rental report that are false and illegal to report according to 15 U.S. Code 1681a. I did not give written consent or any consent for it to be reported to all credit bureaus. These inaccurate evictions i do believe were on or around the years XXXX and XXXX. I never went to court for these false evictions and i never was forced to move from the addresses the evictions were filed on. These inaccurate rental reports are illegal and need to be resolved immediately or i will be forced to take legal action against these companies
Product: Debt collection

Im becoming increasingly concerned with the servicing provided by XXXX for my loan originated with SoFi. In XXXX they raised my variable interest loan up to 7.18 % from 3.55 % the previous month. I notified them of the error and it was corrected down to 2.98 %. I didnt want to make a big stink about it going up XXXX % for a few days so I let that go after it was fixed. 

Then in XXXX I applied for an economic hardship ( XX/XX/20 ) forbearance as a result of medical bills I received. They sent me the form via e-mail & instructed me to return it via my dual authenticated account online. After I completed the form and uploaded it as instructed, they denied the claim without cause communicated to me. I reached out & they indicated said without an actual signature they couldnt approve it. I asked them for alternatives because I dont have a printer and didnt think it made much sense for me to go to fedex to pay for printing in the midst of a pandemic and while applying for an economic hardship forbearance. Further, working for a financial institution myself, I know theyve had months to figure out alternatives to solve for this exact situation so that customers dont have to leave their houses or interact with strangers in the midst of a pandemic. 

Despite their lack of assistance, I was able to have my fianc print the form I needed to sign & uploaded it with the requested signature a few days later. It was submitted prior to my due date & I received notification of the forbearance being approved on XX/XX/20 the same way i became aware of the denial previously. 

Despite the approval, they still took the money from my account. I called them and told them I needed the money & wouldnt be able to buy groceries unless it was returned. They told me they would process the refund immediately. A week went by, and my checking account was still over drafted because of the payment they took. I called back and they told me they actually HAD NOT processed the refund the week before, and would process it that day. At that point I reached out to my bank to file a dispute because the loan was in forbearance when they withdrew the money and i wanted the overdraft fees refunded also. XXXX botched the refund, and have now the set my principle balance higher than its been since XXXX despite the fact that Ive been making interest payments all along. I should not have to pay interest on the same principle balance more than once as a result of their mistake. Ive asked multiple times for the balance to be returned to the amount quoted in the forbearance agreement. 

Im concerned that their servicing contract with the federal government has made SoFi customers less of a priority for XXXX, and operational errors like this are more likely to occur moving forward with any additional volume.
Product: Vehicle loan or lease

I Leased this car from Ally Financial for 3 years with the option to purchase at the end of the lease. towards the end of the lease I started calling the bank to ask for the option to purchase the car because I wanted to keep the car. They started running my credit every time I called them and begged them to please sell it to me because that was the only transportation I had to go to work ( See credit inquire history attached ) Once they noticed that the amount owned in xtra miles was greater than the value of the car in XXXX   XXXX, Ally started demanded me to pay the amount owned in xtra miles. I was forced to go get another car loan to have transportation to go to work. On XX/XX/2017 After trying multiple times to get financing through different car dealers, I ended up in the XXXX dealer and when they run my credit and search for financial institutions one of the banks that came back offering me a car loan was Ally. Same bank that totally denied me the option to purchase the car I leased from them because of my bad credit was willing to finance me my new car loan. I fell that I was victim of FRAUD with this bank. Plus because all the multiple inquires I was forced to take a 16 % interest rate on my new loan. The government shouldn't allow this companies to still from their good clients. I was offer a Lease with a purchase option and they did not comply at the end of the contract.

This should not be affecting my credit because I comply with every payment until the end of the contract.

I really hope I find someone that will legally educate me as to what my options are to get out of this problem since I comply until the last payment. Ally Broke the contract by denying the option to purchase the car at the end of the lease as they had promised when I got it. How can they call this Lease with option to buy? don't let them fool you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe may be fraudulent and violate my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, there are several unauthorized inquiries on my credit report that I do not recognize and did not authorize, which I am requesting to be removed immediately in accordance with my rights under the FCRA. 

The following inquiries were made without my authorization : XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX  XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX - Date of inquiry : XX/XX/XXXX In addition, there are several accounts listed on my credit report that have questionable names and account numbers that I do not recognize, which I am disputing in accordance with my rights under the FCRA. The details of these accounts are as follows : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX Under the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report, and I am requesting that you investigate these items and take appropriate action to remove them from my credit report. Thank you for your attention to this matter. 

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

New -XXXX  XXXX XXXX failed to respond to my certified letter sent on XX/XX/2022 to the updated return address. This has also happened in the past. They continue to report inaccurate payment history.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be totally examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and blocking my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused monstrous difficulties for me, and I'm left with no decision except for to argue for your help with amending what is going on as quickly as time permits. I compassionately demand that you direct an exhaustive examination concerning the detailing of every one of these contested records. It is basic that the essential advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and honesty of my credit document so I might recover command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit bureaus stating that this is not my accounts
Product: Credit card or prepaid card

Complaint XXXX failed to address my concerns and issues. I was denied credit after applying for an extension of credit from Capital One on XX/XX/2022, twice on XX/XX/2022 and XX/XX/2022, which are violations of 15 USC 1601, 15 USC 1611 and 15 USC 1691 ( a ) ( 3 ). Credit is my right as a consumer, which means that I can not be denied credit. Inquiries ( both soft and hard ) are proof that a payment ( credit transaction ) has been received by the Federal Reserve that is intended for the consumer. The transaction was already completed after the credit application was fulfilled. Capital One only benefitted from the consumer credit transaction, not me. Clear violations of the above mentioned Federal Statutes that they have strongly denied violating, while also requesting proof, when clearly the inquiry, denial and their response is enough proof that they have violated these Federal Statutes.
Product: Credit reporting or other personal consumer reports

violation of 15 U.S. code 1681 Third Party Agency XXXX XXXX XXXX failed to comply with requirements to i the consumer in order to report to any credit bureau. XXXX failed to follow dispute guidelines, CRA violated the FCRA by not following the guidelines for handling disputes. Verification letters were sent off on XXXX and XX/XX/year> requesting proof to be given within a 15 day time frame which has passed. No proof was sent back regarding verifiable proof, an original consumer contract with my signature on it for the account listed. Debt claimed owed : {$990.00} Original Creditor : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had someone who filed bankruptcy on my behalf and they were fined because this was never supposed to happen. When I reached out to the bankruptcy court they showed that the XXXX filings she did on my behalf were rejected due to insufficient documents. So nothing was ever processed fully and I never went through the bankruptcy proceeding. 

When I reached out to lexisnexis, and let them know the information was incorrect and they should remove it from my credit report. They stated they received the information from PACER which I never gave them permission to share any of my personal information. I do not know this company and they shouldn't have my personal information nor should they be giving my information out, or reporting this to my credit report. 

It is their duty to ensure they are reporting my information correctly, and if they are releasing my information to another company they need my written consent which they never received. 

It is showing I filed Bankruptcy twice in a 4 month span which wouldn't make any sense and when I reach out they only forward me that information has been confirmed with PACER which I never gave any information to.
Product: Credit reporting, credit repair services, or other personal consumer reports

im a victim of identity theft and ive been unable to resolve all this with the companies under my credit report theyve refused to remove this off my social security number i know my ssn is out right now being freely used and all i want is a new XXXX. i dont have a bad ccredit score this isnt an attempt to escape my debt, in fact i dont have any debt i just have a lot of fraudulent accounts i never opened under my credit report. my name is XXXX XXXX XXXX my dob is XXXX
Product: Mortgage

I applied for a Wells Fargo Home loan on or around XX/XX/XXXX with all the documentation requested : my bank statement, certificate of eligibility, settlement closing statement from previous home sold, letter of explanation regarding my commute distance. I was orginally handed over to XXXX XXXX from XXXX XXXX. The communication became limited because I started to ask questions. My credit score is XXXX and i am financially qualified. I had received a job offer from the FBI and declined the offer and applied for the Department of Homeland Security and NASA in which i was both referred. I currently work at the XXXX XXXX - thje commute would be 1 hour and 43 minutes. I currently commute 1 hour and 25 minutes. I do not own any real estate and this is the house I desire where my family resides. The problem on them delaying approval is commuting distance. This is my primary residence. I have bounced from representative to representative. I was told during thre process the appraisal was not scheduled, when it was scheduled. This is conflicting views for what the company stands and conflicts with views and values as a U.S. XXXX Veteran. 

XX/XX/XXXX XXXX XXXX XXXX U.S. XXXX Veteran w/XXXX  ) XXXX XXXX XXXX XXXX, AL XXXX Mobile : ( XXXX ) XXXX Attn : Wells Fargo Mortgage Underwriting I am writing this letter only as requirement of the condition of a mortgage approval for the primary residence located at XXXX XXXX XXXX, XXXX, AL XXXX. The following requirements below were verbally communicational to me : o Excellent credit history of XXXX o No current mortgage o Debt to income ratio is less than 30 % o Financial capacity to handle the loan requirement through fulfillment ( VA XXXX ) o Full-time stabilized employment : XXXX XXXX XX/XX/XXXX o Commute Distance : I currently commute from AL XXXX residence to my place of employment at XXXX XXXX, AL XXXX which is 78.6 miles equating to 1 hour and 25 minutes. XXXX, AL will be my primary residence to reside and commune until the Federal government screening process as far as job offers. 
o The commute from my place of primary residence, AL XXXX to place of employment at XXXX XXXX is 105 miles which equates to 1 hour and 43 minutes o Difference in commute is 18 minutes per XXXX XXXX o Applicable in accordance with the Fair Housing Laws-familia status o My previous VA approved home loan : The property at AL XXXX is in a location that makes sense in relation to stable employment contains characteristic that suits the needs of my immediate family. 
o I do not own any other real estate in XXXX, AL nor anywhere else in the USA o Submission of updated COE Respectfully Submitted