23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was approved for the XXXX XXXX XXXX XXXX XXXX for my property. I had submitted the letter displaying the exemption to Lakeview Loans Subserviced by XXXX XXXX. Lakeview Loans told me that they couldn't verify my exemption even though i had sent the actual property tax bill displaying the exemption. They also informed me that they check the county tax website and it displayed nothing. They kept telling me that they need more written correspondance. When i contacted the local tax office they told me that they don't put exemption information on their website and that they don't issue award letters concerning tax exemptions, they only put the exemption amount on the property tax letter. The last step i took was, I had informed Lakeview Loans that they can call my local tax office to verify the information because they won't be able to verify anything via the county website. I have both the letter from the Department of Veteran Affairs verifying that im eligible for property tax relief and i have the actual letter from the county tax office showing my exemption so im not sure why Lakeview Loans is still rejecting it.
Product: Credit reporting or other personal consumer reports

i am in disagreement with the accounts listed below which still appears on my credit report .even after your investigation .i would like these items re-investigated the inaccuracies are highly injurious to my credit score. 

XXXX XXXX  /Account # XXXXXXXX XXXX XXXX/Account # XXXX In Accordance With The FCRA, Public Law 91-506, title VI, section 611 15 USC 1681 Please provide the names and business address of each individual with whom you verified the information above so i can follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Debt collection

On XX/XX/year> I received a call from a blocked caller ID. When I answered, it was Westlake Financial trying to collect a debt from me for a car I had voluntarily repossessed in XX/XX/year>. I had asked them why they called from a no caller ID and the person on the phone said they didnt. I have taken IT courses so obviously i know a caller ID doesnt block on its own, especially for a debt collector who isnt allowed to call with no caller ID. I have since still been receiving multiple calls a day from them, breaking the rule of no calls 7 days after speaking about the debt. They call me anywhere from 1-6 times a day, also breaking the rule of no more than 7 calls in 7 days. I have been continuously harassed for months from tons of different phone numbers all belonging to Westlake.
Product: Mortgage

XX/XX/XXXX is the closing day. Until that day they told me that everything was fine and sitting in the XXXX XXXX office for the closing they inform me that I have to fix the 2022 Tax. And they started putting a lot of scues on me and then told me that they wouldn't give me back the {$4000.00} dollars I gave as a deposit and also {$850.00} of the property appreciation. 

The loan was fha as the first buyer. I feel myself and my family robbed and at the same time disappointed what should be an experience of great joy has become a nightmare. My family and I hope that this will be resolved in the best way and that they return our money that has cost us a lot to gather it Loan Number : XXXX Property Address : XXXX XXXX Ct XXXX XXXX, FL XXXX Lender : Loan Originator : RMC Home Mortgage , LLC, XXXX XXXX XXXX XXXX License # : XXXX NMLS # : XXXX License # : XXXX NMLS # : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Late Payment on Account # XXXX Dear TransUnion, I am writing to dispute an item on my credit report associated with the account number XXXX, which is reported by XXXX XXXX. I have reviewed my credit report and found that this account was never late on payments in XX/XX/year>, contrary to what is indicated on the report. 

I request that you investigate this matter and remove the incorrect late payment information from my credit report. I have Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I expect a response within 30 days of receiving this letter, as required by law. 

Thank you for your prompt attention to this matter. 

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

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX.
Product: Student loan

MOHELA de-certified my current employer. Consequently, my recent payments have not counted. I wrote and informed them that I just submitted the paperwork and that my employment status has not changed. Additionally, they are declining to credit my account the XXXX months that it took for them to place me in the XXXX program, despite it being a lengthy time and that it was considered administrative forbearance
Product: Mortgage

Paid mortgage in full on XX/XX/XXXX and have not received escrow refund. Mortgage ( ditech ) company has told me I have to wait another 30 days. The mortgage company has stated that the check was processed on XX/XX/XXXX and would not discuss taking any actions until the 30 days expires.
Product: Credit reporting or other personal consumer reports

I am extremely disappointed with the lack of transparency with DISCOVER BANK for the years I have been doing business with them I have been the witness of securities fraud. And many other privacy violations that I have witnessed. 

It states verbatim on the back of the billing statement under Credit Balances that anything over {$1.00} dollar on the statement is money owed to me. This is accurate because I have been an investor in your company all this time. Which means that the company owes me vast amounts of money as there is no deadline in regards to fraud. Fraud will always be fraud. I AM AND ALWAYS WILL BE THE BENEFICIARY AND SURETY OF THIS ACCOUNT. ALTHOUGH DISCOVER MAY HAVE THE TITLE I HAVE EQUITABLE INTEREST. AND NEVER ONCE HAS MY INTEREST BEEN RETURNED TO ME. 

Upon reading the signed agreements on the prospectus of DISCOVER BANK I learned to rescind DISCOVER BANKS power of attorney over me. So in my last communication I attached an endorsed registered security, XXXX, with pay to the order of discover stamped with the CFR 328.5 paired with cancelled stamps to pay the tax and my power of attorney to be placed on file. All in good faith received by XXXX XXXX that we could clear the amount presented on the card and begin to do business properly with an open end consumer credit account moving forward to avoid the hassle of involving the XXXX XXXX XXXX and without invoking the XXXX XXXX XXXX in regards to the mishandled Security. 

It appears that the employees of DISCOVER BANK are incompetent in regards to my issue. 
Precisely why I am now submitting this complaint. I will be attaching a fee schedule which will be significantly lower than what your company truly owes me. But I am willing to take a considerably lower remedy in order for you to process this consumer credit account properly moving forward. 

Which entails - ~Transferring the Security with ease ~Opening the account back up and removing any such form of limit to an open consumer credit account. 
~Any reporting done with the credit reporting agencies must only reflect that this card is and has always been paid as agreed for each month with 0 % utilization since it is illegal to report transaction history. 
~Not a single derogatory mark to be seen. 
~And certainty that the company is and will not ever violate any aspects of the Privacy Act of 1974 any longer. 

If DISCOVER DOES NOT COMPLY WITH THE DEMANDS I WILL HAVE NO CHOICE BUT TO CONDUCT A FOR-SCENIC AUDIT ON MY ACCOUNT NUMBER ENDING # XXXX WITH A CERTIFIED SPECIALIST TO SEE HOW MUCH YOU HAVE MADE OFF OF SELLING MY STOLEN ACCOUNT RECEIVABLES ON THE SECONDARY MARKET ALL THIS TIME. 

Attachments : Power of attorney Assumed Name Certification ( as proof that I do business as XXXX XXXX XXXX and am not that entity but as a certified controller of the that suretyship ) ~Transferring the Security with ease ~Opening the account back up and removing any such form of limit to an open consumer credit account. 
In the truth in lending act it states IV. Section-by-Section Analysis, 12 CFR Part 226 ( Regulation Z ), Subpart BOpen-end Credit, Section 226.5 General Disclosure
Product: Credit reporting, credit repair services, or other personal consumer reports

For all intensive purposes, my credit report only shows positive marks. I recently closed 2 loans that were held active for a year or more.

1 loan in the amount of {$23000.00} ( XXXX at time of payment in full ) originally and another a home mortgage loan paid in full at the time {$130.00}, xxx.xx.

Approx. 1 month later the credit bureaus updated my credit score by lowering it 29 points.

My debt to income ratio sky rocketed, all account across the board saw reductions/decreased account balance ( s ).

I am disputing my credit score having a negative impact after satisfying loans that I always held in good standing.

There is clearly something wrong with the algorithm that calculates such scores. My buying power has most certainly gone up ... my credit score should have as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern, I am writing to formally notify you of my intent to file a complaint with the FTC regarding your disregard of the law. Despite the fact that you received and accepted my dispute letter and follow-up letter via registered mail on ( insert date ), you have failed to comply with federal law and respond within the required 30-day period. This is unacceptable, and I intend to hold you accountable.

According to federal law, credit reporting agencies must respond within 30 days, and failure to do so may result in investigation by the Federal Trade Commission ( see 15 USC 41, et seq. ). As I have not received a response from you to date, I am keeping a careful record of my communications with you on this matter, with the intention of filing a complaint with the FTC should you continue to be non-compliant. It is important to note that, as established in the case of Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be held liable for your willful noncompliance.

For the record, I would like to reiterate that the following information is being erroneously included on my credit report, as I have informed you on two previous occasions : The following personal information is incorrect Account Number : DATE OF BIRTH : XXXX If you do not immediately remove this inaccurate and incomplete information, I will be forced to file a formal complaint with the Federal Trade Commission. Furthermore, if you continue to operate in non-compliance, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. I am carefully documenting all events related to this matter, including your lack of response, which is required by law. 

I also request that you provide me with the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. I find these delays to be inexcusable. 

Finally, I am requesting a description of the procedure used to determine the accuracy and completeness of the information, which should be provided within 15 days of the completion of your re-investigation. 

I look forward to your prompt response to this matter. 

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

( XXXX XXXX ) social XXXX XXXX the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  open XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX and XXXX was open on XX/XX/XXXX and another account from XXXX XXXXUS DEPT OF ED open on XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

On XXXX 2023 I went to Dealer XXXX XXXX XXXX at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX, to obtain extension of my own credit on a XXXX  XXXX XXXX with Last XXXX vin # XXXX with MSRP of {$42000.00}. The dealer run my credit with XXXX credit Report , where company Santander Consumer Usa , INC. got a copy of my credit and I was denied for credit. No one from dealership give a paper or answer why I got denied, at this moment of my complaint, on XXXX XXXX 2023, neither someone from dealer or Santander Consumer Usa , INC had contact me. I had attached evidence that my credit was pulled by Santander Consumer Usa , INC. XXXX credit report.
Product: Mortgage

STREAMLINE MODIFICATION - back in   XXXX   XXXX    Wells Fargo  sent us a letter saying they woudl lower our mortgage through an " in-house '' " steamline '' modification. The payment would have been {$3100.00} This would be much easier to manage. We made the payments according to what was said by  XXXX  over the phone. They claimed what was said over the phone was incorrect and did not honor what the rep had said. We had also made  2 of the 3  payments. The last payment hit before we had made a deposit. We called immediately and said we can take teh cash to a local bank to make the payment. They claimed since the check came back insufficuent they woudl not allow us to modify - even though we had the cash the next day. this seemed extremely unfair but they would not budge. If our payment was {$3100.00} now it woudl be much easier to pay.     MODIFICATION - So recently we tried to modify again and   Wells Fargo refused and simply said our situation had not changed enough.
INTERST RATE - We   have asked repeatedly for  Wells Fargo  to lower our interest rate down from 6.5 % to anything lowe r ( w hich would help us by making the mortgage payment lower ). They refused to modify the interst rate.     PMI - The appraisal on my home ranges from $  XXXX  to $  XXXX   (  depending on who you use  ).  I only ow about $  XXXX  on the home. So clearly I am below 80 %  LTV (  loan to value ) and I would like them to remove the mortgage insurance from the loan. I has asked them to do so over and over again yet they refuse. it is my understanding that they are legally required to do so once the  LTV is pr oven. Not to long ago Wells fargo appraised our home at $  XXXX  so this should not be difficult to prove at all.     If they would simply lower our interst rate or remove the PMI our mortgage payment woudl go down.     I request assistance with this matter.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XXXX 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

In accordance with the fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A 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 account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX # XXXX, has violated my rights. 

Pursuant to 15 USC 1681 Section 602 it states I have a right to privacy.

Pursuant to 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Pursuant to 15 USC 1681A- Definitions ; Rules of Construction- Exclusion.- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer in the person making the report ; To conclude, pursuant to 15 USC 1666b a creditor mean not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.
Product: Debt collection

I received a letter from Bank of America on XXXX XXXX Credit Card number XXXX. I called XXXX  XXXX and they told me to call Bank of America. Bank of America said I owe {$9900.00}. They said I opened the XXXX XXXX card on XXXX XXXX, XXXX. They said a bunch of cash advances were sent totaling almost {$10000.00}. I called them saying I have never once used the card and cut it up immediately when I received. They refused to help me and just demanded money.
Product: Mortgage

se told me we were in Underwritting. I was told they had all Letters and DOCS, and were in the hands of the underwritter. I was told 2 weeks and I would have an answer.Next thing I know XXXX calls and tells me that they now have my mortgage I find it sad that Chase played me the whole time. They kept finding reasons for delaying the final answer. Chase wasted 2 months. They could have had the whole thing wrapped up. But, They wasted my time. Now pretty much I have to start the Mod all over again. Wasting time seems to be Chase 's thing. Now I will have to begin the process all over again.
Product: Debt collection

Cavalry needs to terminate its collections activities and remove its entries off of all credit bureaus as this debt is now beyond the Illinois Statue of Limitations of 5 years. XXXX and XXXX have already issued XXXX in both XXXX and XXXX for other debts because all my credit card problems started when I defaulted on all of my debt in the final quarter of XXXX. I have been harmed and denied credit because of their actions. I disputed this via XXXX XXXX and I received the attached scan saying that the debt was valid. 

In addition, they illegally served my father with the same name as me ( XXXX XXXX ) with papers to go to court in XXXX County Illinois. My father suffers from XXXX/XXXX and had to go to court to to demonstrate that he is not me. My family tried to explain to the process server and the company that he is not me, but they would not listen. My brother who was a XXXX county sheriff police officer had to accompany my father to court because he was not able to go on his own! This was a very upsetting experience for my father, and he suffered XXXX XXXX XXXX from the entire situation. This company should be sanctioned for these actions and I would gladly cooperate in any proceedings against them.
Product: Credit card or prepaid card

My rewards balance remain constantly the same {$17.00} for months. 
I use capital one shopping and activate offers, but somehow rewards are not changing. I have contatcted capital one shopping in XXXX and received response that it may take up to 90 days for rewards to show up in my account. I did however check a timeline and it has been much longer than that, I did reach out again to capitalone shopping rewards again and I did includ full statement of all purchases, but so far I have not received any response. This is an email I contacted XXXX. Person name is XXXX who replied once. 
I do hope you will assist me
Product: Credit reporting or other personal consumer reports

I sent you a Letter 2 months back because you are reporting some late payments that is NOT accurate and I asked you to update these payments to ON TIME PAID AS AGREED. 

You seem not to understand how serious this is because you have not fixed the issue for me. 
Please look at this letter as it is my SECOND time notifying you of some items that are incorrect. These are not accurate on my credit reports I have listed the account name and account number below along with the dates you are reporting late and those dates need to be paid to PAID AS AGREED. 


1st account : XXXX XXXX reported late XXXX ( Please note that the date of this late payment also has inaccurate dates. my XXXX says it was a late payment in the month of XX/XX/2023 & my XXXXEquifax says it was reported late in the month of XX/XX/2023? 

2nd account : XXXX XXXX XXXX- REPORTED LATE XXXX XXXX XXXX
Product: Vehicle loan or lease

There are two accounts under charged off auto loans, the first is Exeter finance I was never given disclosures for my personal information privacy and legally according to the fair credit reporting act without my concent my information should not be on file and also the dates are wrong I also was never given an 1099c form for tax purposes