23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Thanks to my complaint to consumer finance, BOA ( who sold my mortgage to FHA and got compensation ) felt obligated to " help '' by instructing the loan servicer ( XXXX XXXX XXXX XXXX ) to review my case. After sending the usual paperwork and package requested by " XXXX '' I was told over the phone that my loan mod request was denied unless I fork over {$56000.00} to the bank. I just do n't have that kind of money. So I asked that a denial letter be sent to me or my attorney. I 've received everything from " XXXX '' but the denial letter. In fact I just received another letter from " XXXX '' offering help AGAIN. The new offer came with a notice from the court informing me that my house will be auctioned in a few days. Nice strategy from BOA and XXXX XXXX XXXX, but I am still waiting for the denial letter. I wonder why I still do n't receive it ... I guess it got stuck in traffic. Helping me keep my house is not in the bank interest. It 's more profitable to sell the property. These guys were bailed out by the government. They should return the same favor to desperate homeowners. I am not asking for a free house.I have a steady job. All I asked is an affordable payment plan. But it 's impossible for BOA and XXXX XXXX XXXX to provide such help. BECAUSE I COULD NOT COME UP WITH {$56000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint XXXX XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX, XXXX XXXX, IL XXXX, for violations of the Fair Credit Reporting Act My husband and I purchased a vehicle from XXXX XXXX XXXX, an a partner and or affiliate of XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. The term was 44 months. In XX/XX/XXXX, my husband became ill with XXXX and contacted XXXX to voluntarily surrender the vehicle due to financial hardship. XXXX instructed us to return the vehicle to XXXX XXXX XXXX, which we did. XXXX  confirmed they received the vehicle and closed our account on XX/XX/XXXX. 

Despite voluntarily surrendering the vehicle and closing the account, XXXX  reported the account as a " repossession '' on our credit reports in XX/XX/XXXX. When we disputed this with the credit bureaus, XXXX changed the report to " voluntary repossession '' but then re-reported it as " repossession. '' They have failed to provide any documentation validating this debt, as required under the FCRA. 

Most egregiously, in XX/XX/XXXX, XXXX illegally garnished my husband 's wages without any notice or judgment, in violation of debt collection and wage garnishment laws. They then returned a portion of the garnished wages without any explanation. We never received any court documents regarding a judgment for this debt, and court records show no such judgment exists. 

XXXX has violated the following laws : The FCRA, by reporting invalid repossession information, failing to conduct a reasonable investigation of our disputes, and failing to provide documentation validating the debt. 

The FDCPA, by engaging in unfair debt collection practices, failing to provide required disclosures and notices, and illegally garnishing wages without proper legal judgment. 

Other consumer protection laws regarding debt collection and wage garnishment procedures in Illinois. 

We demand that XXXX immediately remove the negative account from my credit report, provide documentation validating this debt, return any illegally garnished wages, and be held accountable for violating the law and harming consumers. Please conduct a full investigation into this complaint and take action against XXXX to stop their unlawful behavior.
Product: Vehicle loan or lease

I've received several emails from USAA to sign in to my account, that has been paid off for over two years, so I haven't done business with them since, but am getting emails for a document for me to retrieve funds, that can apparently only be accessed in my account that I haven't used for over two years and I found out that they deactivated the account since I haven't used it since, yet they said logging into my account is the only way to access the document. I contacted the USAA CEO office, a woman named XXXX said she would go ahead and mail out the document to my address, and when I never got one, she said she would mail out a second one. Then when still not receiving one, they started hanging up on me and telling me " too bad so sad ''. I filed a complaint with XXXX and I suddenly got a letter in the mail from a XXXX from USAA saying that he was looking into the issue. Yet, still no document mailed to me that was supposedly mailed twice but they could get that letter to me. I've called in several times after this and they just hang up on me. I've provided all information that is needed but they are still denying me access to retrieve my funds. This has gone on for about a year if not more now.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX for violations of the Uniform Commercial Code ( UCC ) 9-506 in the state of Texas, inaccurate credit reporting, and predatory lending practices that raise concerns about the credibility of this companys legal and financial operations.

I have never had an account with this company, nor have I co-signed for anyone. However, XXXX XXXX XXXX is falsely reporting an account under my name as a joint account, which is inaccurate and misleading. 

I previously requested validation of this alleged debt, but your company failed to provide the required documentation within 15 days, as mandated by UCC regulations. Specifically, you did not provide original validation proof that the repossession of the subject vehicle was conducted legally in accordance with the following UCC statutes : 9-506 Effect of Errors or Omissions 9-611 Notification Before Disposition of Collateral 9-612 Timeliness of Notification Before Disposition of Collateral 9-613 Contents and Form of Notification Before Disposition of Collateral Since you failed to comply with UCC 9-506, this account is invalid and must be deleted from my credit report immediately. Your companys continued reporting of this inaccurate information is a clear violation of the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

Disversified Consultants, Inc i s attempting to collect debts I do n't owe them at all. I never established a contract with this company at all. They are a debt collection company that purchased a debt from a company they claim I owe. Documents from the debt they purchased is not a legally binding contract to indicate that I owe them anything.They are in complete violation of the FCRA law and the status of limitation law is being violated also.
Product: Mortgage

I am a XXXX XXXX XXXXXXXX customer for both checking and my mortgage. I am current on all mortgage payments. I made an extra payment against principal in the same way I had previously by transferring {$650.00} from my checking to my mortgage on XX/XX/XXXX. That amount was deducted from my checking but never credited to my mortgage. I have spent at least 10 hours on hold and trying to reach and talking to customer service in both the mortgage and checking departments. I have filed an internal complaint and messaged them using every method. It has been 2 months and they have taken my money but neither credited it to my mortgage nor returned it to my checking. I was told at one point that I may just have to file a suit to get it back. This is their error and they need to fix it, but the total inability to get help makes it impossible. I have been a  customer since XXXX and have never been in default on anything. I dont know how to make them give me my money back.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I responded to an ad on XXXX about a rental property. On XX/XX/XXXX, I made a wire transfer for {$5000.00} to a person I believed was the landlord of the property in order to secure the apartment. 

On XX/XX/XXXX, I called my bank, XXXX, to authorize the transfer. XXXX told me it will take 24hrs to process it. However, I realized quickly it was a scam and called XXXX back two hours later. I asked to cancel the wire transfer. The transfer was still pending when I checked my account. XXXX responded that I missed the cut-off. I asked then for a wire recall. XXXX responded that I needed to wait Monday morning to contact the Wire search team. 

Monday, XX/XX/XXXX, I called the Wire search team at XXXX. They told me they will reach out to the other bank involved, PNC. On XX/XX/XXXX, XXXX called me back to tell me that PNC contacted them to inform XXXX that its client is unwilling to give the money back. Clearly, PNC doesn't care that one of its client is running a scam on XXXX which is totally unacceptable and unethical. 

On the very same day, I called PNC myself to indicate that one of its client is running a scam on XXXX and something has to be done about it. I offered evidence of the scam but they didn't want to hear about it and told me to call my financial institution. I responded that XXXX contacted PNC and PNC told XXXX that its client is unwilling to give the money back. To that, PNC responded that there's nothing they can do about it. 

PNC needs to take its responsibility or it is clearly complicit in a crime and needs to be punished for it.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding an incorrect address listed on my credit report. The address in question is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I have never resided at this address, and I believe it has been mistakenly reported as part of my credit history. For the past XXXX years, I have lived at the following address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attempted to resolve this issue directly with the credit reporting agency, but the incorrect address remains on my credit report. I kindly request that someone please assist in ensuring that this inaccurate information is investigated and removed from my credit file.
Product: Student loan

I am filing a complaint on navient student loans servicing. They have reported a very old student loan being 60 days late which has never happened and has been reporting on my credit report late for the past 9 years. this needs to be resolved immediately.
Product: Debt collection

sent a validation letter never received a responds..its been beyond 30 day.request this account be deleted immediately ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letter over 45 days ago to advised creditor that are reporting account incorrectly and to have account updated. Per my request, I have advised that this account as been paid and full with no late payment history on account and to have account closed. This information listed on my credit report is incorrect, inaccurate, and incomplete.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed police report and sent to net credit with information and they have not done anything since XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this accounts, I will take legal action against them. 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
Product: Debt collection

I never had this credit card and its affecting my credit and they keep sending me stuff
Product: Debt collection

To Whom It May Concern : I received an alert about an account being reported by Midwest Recovery. Please be advised I have requested validation { not verification } of an item reported to XXXX, XXXX and XXXX by Midwest Recovery. I have received a response that clearly violates my rights according to the HIPAA Act of 1996 AND I never received notice how to dispute the debt. Additionally, Midwest Recovery did NOT provide me a HIPPA release for my medical information, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against Midwest Recovery should this item not be deleted within the required time allowed by law. Midwest Recovery is in direct violation of HIPAA regulations, and they are facing fines up to {$10000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a removal of the reported information expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Product: Debt collection

The company apparently started the court process in XX/XX/year>, they did not notify me or this lawsuit until XXXXXXXX XXXX XXXX  when some random man left papers at my parents home of residency. My parents then called me and told me some company for was suing me for a debt I had no idea about. I don't even know what the debt is for. If my parents hadn't told me about the paperwork that was just left in an open envelope on their doorstep I wouldn't have known about this case. I asked them for proof of a contract with a signature they said they don't have it.
Product: Mortgage

Following the price appreciation in home values over the past couple of years, i contact PHH Mortgage to request removal of PMI on my mortgage. I followed the instructions on the PMI removal process notice i received from PHH in XX/XX/2022. I paid the PMI removal process fee of {$150.00} on XX/XX/2022 and I have since been waiting on PHH to complete this process. 

My property is has way over 20 % equity based on any leading property site estimator or comps from recent sales in my subdivision. 

Despite numerous communications with this servicer, my request to remove the PMI has not been processed since my payment to get the process started in XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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
Product: Credit card

An unauthorized purchase was made with XXXX XXXX XXXX issued through One Mai Financial while I was XXXX  on XX/XX/year> in the amount of {$78.00}. When I sought to get my mailing address changed/updated is when I was informed that my account was locked due to above transaction and they wouldn't update my address until I provided new photos ID with the new address. I provided it to One Main Financial and they wanted additional proof of new address from me. I am XXXX and fighting XXXX. The unwillingness of One Main Financial to resolve this is outrageous. The uncooperative jerk that I spoke with was a supervisor named XXXX. His employee ID number is XXXX. My case number is XXXX. I want my account properly credited and my address corrected. Seems ridiculous to me that I have to go through the CFPB for such a simple request. Thank you for your help. 
XXXX XXXX
Product: Debt collection

In XXXX of 2013, I received a payday loan from a XXXX XXXX XXXX place at XXXX XXXX XXXX, XXXX, TN XXXX XXXX, TN. Since the lapse in time from receiving the loan, I do not have records of communication attempts or record of loan terms. I have no paid in full notice or any documents from ACE. Today, XX/XX/XXXX, I received a call from XXXX, CA XXXX. I was transferred to XXXX XXXX and spoke to a XXXX XXXX. XXXX gave me personal information like past addresses, last four of my social former place of employment, driver 's licence number, bank name and routing number and birth date. She also disclosed a past email address. She told me that I owed XXXX but that her agency would take a settlement payment of XXXX over the next 4 months. I set up payments to start on XX/XX/XXXX. After doing further research, I found that XXXX XXXX was not an official collections agency and found no information online. I called XXXX again to ask for an address, the rep did not want to disclose. I never received any official documents via email as XXXX stated I would.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been seriously compromised and it has effective me and my credit ability in ways un imaginable, The following accounts are very haunting and I'm requesting that these accounts be thoroughly investigated, and that I be provided with the details and Method used. I would like to know what all certified documents used and inwhom conducted the investigation, their title, day, time and inwhom did they speak with, what physical documentation reviewed and what all documents sent to the consumer as proof of these accounts. These are the following accounts being disputed, ( # 1 ) XXXX XXXX XXXXXXXX {$31000.00}, ( # 2 ) XXXX XXXX {$0.00}, ( # 3 ) XXXX XXXX XXXX {$0.00}, ( # 4 ) XXXX XXXX {$0.00}, ( # 5 ) XXXX XXXX, ( # 6 ) XXXX XXXX XXXX {$0.00}, ( # 7 ) XXXX XXXX {$4100.00}, ( # 8 ) XXXX XXXX XXXX {$1200.00}, ( # 9 )  XXXX XXXX {$0.00}, ( # 10 ) XXXX XXXX {$870.00}, please remove these accounts.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXXXXXX without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX XXXX nor did I provide written consent for my credit report to be accessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS INCORRECT INFORMATION ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$720.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$210.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I paid LVNV Funding LLC debt collection agency on XX/XX/XXXX for 3 credit card accounts with balances of {$340.00}, {$250.00} and {$170.00}. The debt collection accounts is still currently listed and showing on my XXXX, XXXX and XXXX XXXX credit report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Checking or savings account

On XX/XX/2020, somehow I was removed from a business checking account with JP Morgan Chase Bank, for a business I have and still clearly own 50 % of. I have called multiple times and spoken with customer service, but nobody can seem to assist me in answering my questions : Why was I removed from my own account? How was I removed from my own account that I have verified with Chase as of today, XX/XX/2020, that I am still listed as a 50 % owner? I was advised the only way to do this, would be through a letter on letterhead, stating the business only has one owner. I can not get a straight answer if this is what occurred, but I do know I have been unable to access my own business account for over a month. This is unacceptable and whatever relationship banker responsible, should be held accountable for doing this. This is not only fraudulent and illegal, but has caused me financial harm, due to not having access to my business accounts to pay myself my monthly member draw. I intend to press charges, if fraud is determined.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are INACCURATE and were NOT AUTHORIZED to be reported in my credit reports. 


I am demanding that these inquiries be DELETED immediately. 


The inquiries are noted as follows : BECU XX/XX/2022 was not authorized, I am demanding this inquiry be removed from XXXX immediately. 
BECU XX/XX/2022 was not authorized, I am demanding this inquiry be removed from XXXX immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with XXXX  and Equifax an account which needs to be removed from my Credit Report. XXXX agreed to completely delete the account from my credit report. They even provided me a letter stating this information which I have sent to both XXXX  and Equifax. When I spoke with XXXX they informed me that they let Equifax and XXXX  know to delete the account but when submitting the disputes the account remains on my credit file. Please assist me with this.
Product: Credit reporting or other personal consumer reports

I am writing to follow up my previous dispute about certain information on my credit report that I believe is inaccurate and does not reflect my true financial history. I have carefully reviewed my credit report, and I have identified the following discrepancies. I ATTACHED THE LETTER ALONG WITH THE FTC AFFIDAVIT.