23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My father died in XXXX. Since then I have managed to keep up with the XXXX mortgages I XXXX Unfortunately it has been in foreclosure multiple times due to the fact that it has taken me that long to accrue funds. That being said. I have been in constant communication with these folks. XXXX and Selene Finance. There was a foreclosure sale date last month. Forgive me the date slips my mind, but I had the money to cover the arrears and spent the better part of XXXX  days going from XXXX to XXXX trying to send the funds to Selene with Selene on the phone. They knew the money was coming to them XXXX or high water and I was finally able to get a friend to let me deposit and wire the money to Selene from her bank account at XXXX o'clock. Which the sale was at XXXX. That being said and this has occured before, i thought they accepted my payment and rescinded the sale. Then a couple weeks later i get an email saying i needed to pick up the surplus. I didn't because i didnt want to validate the sale. Either way. They have not paid me back my $ XXXX payment and sold my house. I am not prepared to move or leave. I had no intention of losing my home and refuse to let these companies completely XXXX me out of everything. This place is all i got. My mother XXXX XXXX in this house, as did i. Before this foreclosure, the previous ones, XXXX and Selene filed foreclosure at the same time and i paid both off to save it. This time however, they filed at different times. So right after this XXXX excapade, XXXX tried to hit me with {$9000.00} to keep my home when i just put XXXX on the foreclosure with Selene. The arrears with XXXX was at most {$1200.00}. They added over XXXX grand of whatever fees they seem fit. 
In the past XXXX years, i have put over {$60000.00} on someone elses debt to keep my home. I asked Selene for mortgage forgiveness because i had put so much on it and i dont qualify for a loan as such. But they have XXXX me. They have been accomodating up until last month. Wouldnt surprise me if someone put some money in their pocket to boot me out. If thats the case, i want all my money back i have XXXX near XXXX  to pay to keep up with this XXXX. And another thing. I have XXXX binders full of statements, foreclosure papers, and XXXX that they have sent me over the years and they sell my house - i havent heard another thing from them. No XXXX you, no sorry we sold your house, NOTHING. The least they could do is let you know how hard they XXXX you. The reason that I had so much trouble sending money to them is because XXXX XXXX closed my accounts i had over fraud. Which i have never commited. If it hadn't been for that, none of this would have occured. I could have wired the money to them the day before like i was trying to do and been ok. Now im being forced out my home and have nowhere to go. Most of my family are dead. I have nowhere to turn to or go.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being challenged in list form XXXX XXXX - Account Number:XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX XXXX XXXX - Account Number:XXXX Please supply information on how you have verified this item. 

XXXX XXXX XXXX - Account Number:XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment XXXX XXXX XXXX - Account Number:XXXX Please remove it from my credit report. 

XXXX XXXX XXXX - Account Number:XXXX My parent has the same name as me. 

XXXX XXXX - Account Number:XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment XXXX XXXX XXXX - Account Number:XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Product: Debt collection

Ive tried to settle with Capital One but the attorneys office is saying Capital one will only settle for 75 % the debt is almost XXXX I offered XXXX because Im not longer working but they said they could only accept that as an installment plan. The account was closed back in 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

For starters this is my second complaint. I have submitted many letters and spent a lot of money to send letters via certified mail. I have been requesting that this credit reporting company provide proof of accounts they claim they have verified. I have not received any physical paperwork/proof that backs up their " findings ''. In addition to the creditors not sending me any proof. I have made many attempts trying to request proof with my signature and contract that i am accused of having with these creditors. These disputes have been going on for at least 2 years with no proof. When i submit a request via certified mail it seems as if they don't even investigate just say. Even more with me. I think since i made a complaint before this company is retaliating against me by not removing the incorrect information off my credit report and not providing proof with my signature. As a consumer who has access to only so much, the credit bureau has the upper hand/ power and they use that to their liking. I do not know what else to do. Who else can i complain to to get this information corrected on my report? Who else handles disputes with credit bureaus about not getting proof of accounts that they claim were verifiable? Who do i complain to if the company has been retaliating and my issues are not being addressed properly. These creditors are as followed XXXX XXXX XXXX Don't have contract with them do not owe an account that was paid off Dept Of Ed- NEVER LATE ON PAYMENT. loans were put on hold as i was a student. Made complaint  before against Dept of ED. have yet to fix it XXXX XXXX XXXX- WAS NOT LATE ON ACCOUNTS AS STATED. Company did not send out statement for months. 

I would like all the errors deleted from my report ASAP. Also requesting proof that credit bureau has with my signature need to be sent via cert mail to me.
Product: Credit reporting or other personal consumer reports

I disputed a account that doesn't belong to me through the credit agency EQUIFAX and Equifax claimed they found the account to belong to me and is verified as accurate. Oh really, i say. How so when i never even opened this account to begin with and i wasn't sent any proof of verification. FCRA LAW 15 U.S.C 1681i7 is pretty clear. This XXXX XXXX item i have listed should be removed from my credit report for failure to abide by the credit reporting act laws.
Product: Debt collection

This complaint is about ACIMA CREDIT This debt was a result of identity theft I explained this to the debt collector but they refuse to delete it I got a police report and sent it to them I never filled out a fraud packet their reason for not deleting it is because all my information matched but if someone stole my identity of course all my information will match I settled with this debt collector because im in the process of closing on my house and I didnt have a choice in order for me to get my house I didnt have the time to wait on them to resolve this!
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report with XXXX, Equifax, and XXXX, I discovered several inquiries that were not authorized by me and for which I have no further information. The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry for a XACTUS, LLC that I did not authorize on XX/XX/2022. I have been told it is in relation to a mortgage request.
Product: Mortgage

On XX/XX/18, we suffered significant flood damage as a result of a defective toilet. After handling the claim with our insurance company, we endorsed a claim check over to Pennymac on XX/XX/18. They required that a significant number of documents be completed before any funds would be distributed to our contractor ( XXXX ) for repairs/restoration. Although we understand the need to assure that contractor is reputable and work is completed in a satisfactory manner, PennyMac sat on the funds, claiming that we had not provided the contractor 's bonding information and their contractors license. They were told multiple times that the Certificate of Insurance was sufficient, and bonding was only required for commercial contracts. We also told them multiple times that Texas does not issue contractors licenses for residential work ... only for work involving government entities. Finally, on XX/XX/18, a check was issued to us. We were having to live out of boxes, confined to one room in the house, with no furniture. We requested final inspection for completion of all repairs on XX/XX/18. After multiple follow-ups, an inspection was finally completed and the final inspection was approved on XX/XX/18. Their website indicates that funds are sent within 6 business days of final approval. I called on XX/XX/18 to request status of the final funds payment, and was told that the 6 day period does not include a process for reviewing the final check and cutting the check. They indicated that the check had been requested and would be mailed to us within 3 business days. Today, XX/XX/18, we still do not have the final check so that we can pay the remaining funds to the contractor. I have also had repeat problems in the past with inaccurate escrow computations ( and overpayments to taxing authorities ). PennyMac is terrible. Also, I believe that they engage in the behavior they have engaged in with the claims payment process so that they can " float '' on the funds for as long as possible before issuing payments. Please investigate these folks. There are numerous complaints regarding PennyMac.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM STARTING A NEW JOB HOWEVER I HAVE SOME ISSUES WITH MISS SPELLING OF MY NAME. MY NAME IS XXXX XXXX XXXX PLEASE DELETE ANY OTHER SPELLING OF MY NAME THEY ARE NOT ACCURATE. I HAVE SOME ADDRESSES ON MY CREDIT FILE THAT ARE NOT MINE. PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED Account # XXXX XXXX Late Payment. 

In accordance with the fair credit Reporting act XXXX Account # XXXX and, 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late
Product: Payday loan, title loan, or personal loan

Mariner Finance put a bank levy to garnish funds without notifying me. They sent no Notice of Garnishment. They didn't make me aware via telephone nothing. I called on XX/XX/XXXX and XX/XX/XXXX and left a message sharing that I would not be able to make my payment until the end of the month. I received no return call and on XX/XX/XXXX all of my funds in my account were frozen. The bank told me to call Mariner finance they wouldn't tell me anything about the Garnishment. I called on XX/XX/XXXX repeatedly. Noone answered. I called back and complained on the answering machine about 20 minutes later. No response still. I called back about an hour later and suddenly the answering machine was changed and XXXX XXXX stated she would not be in the office until XX/XX/2022 I complained again and stated I would be filing a complaint. Suddenly the branch office calls me and tells me I have to talk to XXXX in collections. 
I call XXXX in collections again because she is who I left the messages with on XX/XX/XXXX. I get the answering machine. I call the branch office back to complain they transfer me over to collections and then I am told to leave a message on yet another collection managers answering machine and they will call me back because XXXX won't be back until XX/XX/2022. I never receive a call back from any manager. 

I call XXXX on XX/XX/2022 and she tells me they put the bank levy to freeze {$3200.00} ... .every cent I have because I owe a total of {$1600.00} which will bring my account current. I agree to pay. I wait 3 hours for a letter of consent to disbursement of funds to be sent to the branch office. I sign the letter and take it to my bank. They call Mariner finance collections office and cant reach them also. It is now XXXX XXXX and I can't talk to anyone who can help me with my account.I am told yet again the person that handles my account is not there. What type of business practices are they conducting?
Product: Debt collection

I paid this 2012 debt off just to remove it from credit reports yet it remains as a negative mark on my credit. The debt was paid online as I was told it would be removed from my credit report quicker this way and I have the deduction for the exact amount ( {$210.00} ) on my bank statement. I would like this negative debt removed from my credit so I can have a score better reflecting my current situation.
Product: Credit reporting or other personal consumer reports

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX  account ( XXXX XXXX account number XXXX )
Product: Debt collection

This is my XXXX COMPLAINT. I contacted CFPB this week and you have no record of my original complaint from XXXX : # XXXX. I paid this debt to XXXX on XX/XX/2014. I have attached that payment backup. I provided this to Southwest ... to XXXX ... and once before to CFPB. I absolutely refuse to pay this debt twice no matter how long Southwest Collections appears to be able to stall CFPB on resolving the matter.
Product: Checking or savings account

On XX/XX/2024, I contacted Branch to request an extension of my spending limit so I could transfer the full balance from my Branch account to another bank with the intention of closing my Branch account. However, I was informed that this process would take some time. Given the delay, I then requested to transfer {$1500.00} to cover my rent while waiting for the full transfer and account closure. I made it clear that this was an urgent request. 

Despite my urgency, Branch did not respond until XX/XX/2024, XXXX days later. The response was generic and indicated that my request had been forwarded to a specialist, but I was not provided with a timeline for resolution. Furthermore, there was no option to speak directly with the specialist over the phone, only via email, which further delayed the process. 

I work a high-demand XXXX job as a Director of Traffic and Billing for a radio station, making it difficult to follow up repeatedly. On XX/XX/2024, I contacted Branch again, this time urgently needing access to my funds to purchase my first car. Unfortunately, I experienced the same slow and unhelpful process. 

As of XX/XX/2024, I now do not have total access to my funds. I urgently need this money for essential expenses, including the purchase of my first car and covering my rent. Despite explaining this multiple times, Branch has not provided a resolution, and their delayed responses have caused significant financial stress. I am requesting your assistance to expedite this matter so I can access my funds and close my Branch account.
Product: Money transfer, virtual currency, or money service

Today XX/XX/XXXX I went to Bank Of America to cash my job check from XXXX XXXX and I was aged/racially profile I gave the clerk the check along with my passport and driver license and she went on and told me to sign the back of the check she kept looking at me and my passport/driver license and than insisted on telling me she had to go verify the check which was okay with me I also had my paystub that I detached from the check in hand that had all my information on there as well she than went in another room for about 3 mins and came back out and said we cant verify the signature on the check never once did she call the verification number to verify the check she went off a signature and told me the signure dont match the other XXXX check they have came across before I never heard of that before she judge me because I look younger than what I am and I get that a lot but my passport and my driver license dont lie she never cashed my XXXX check that was through Bank of America and I also called XXXX XXXX and they didnt understand why the lady didnt cash my my check either all she had to do was call the number and verify the check like she was really suppose to instead of lying about a signature
Product: Debt collection

On XX/XX/2019, I was contacted by a man named XXXX representing a company called CBE Group claiming that I owe {$1700.00} to the Veteran 's Affairs Treasury. They claim that I was being overpaid and that they want to know how I plan to pay them back.I called my local financial office to view if the claims where true to which I have been told that I owe no debts and no financial statements have been mailed to me. So far I have collected his phone number ( XXXX ) and have collected the number in which the call came from ( XXXX ). I have not given this man my personal information.
Product: Vehicle loan or lease

XX/XX/2021 I mailed an affidavit of truth, exhibits of violation, invoice and notary presentment to Santander Consumer USA. Santander has failed to remedy me for their fraudulent activity in connection to my consumer credit transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under what authority, statute, or law does UPGRADE INC. have to share and or furnish my nonpublic, private, personal, identifying financial information? UPGRADE INC. is sharing my consumers private, personal, nonpublic, identifying financial information, transactions, and experiences to third parties, which include but may not be limited to consumer reporting agencies ; and these actions are causing the consumer to sustain injuries. I recently learned that consumers have privacy rights secured to them under the Gramm Leach Bliley Act 15 USC 6802 and the Fair Credit Reporting Act 15 USC 1681a ( d ) ( 2 ) ( A ), that requires any financial institution desiring to disclose/share and or furnish private, nonpublic, personal identifiable financial account information, transactions and experiences about any customer and or consumer, must first provide proper disclosure regarding its intent to do so, as well as give the consumer an opportunity to opt out. UPGRADE INC. is hereby notified of the following : ANY and ALL consent assumed or obtained by UPGRADE INC. from the consumer, ( XXXX XXXX XXXX ) that granted it permission to disclose, share, or furnish the private, personal, nonpublic, identifiable financial information. transactions and experiences, whether it was expressed or implied is now REVOKED, TERMINATED, CANCELED, and RESCINDED retroactively to the date that such consent was presumed to be obtained, to-date. It was never my intention to willfully surrender any legal right to privacy, nor do I believe I have done so in any way ; therefore, I am investigating the validity of the " consent '' assumed or obtained by UPGRADE INC .
Product: Mortgage

The reason for me filing this complaint is due to Nationstar Mortgage foreclosing on my property while I am undergoing a loan modification. Also the information they are requesting is unnecessary and was never requested when I was undergoing a loan modification with XXXX XXXX XXXX not until my account was sold and/or transfer to Nationstar Mortgage in the process of modifying my loan. I should n't have to write any letter of my living arrangement to qualify for a loan modification or supply any mortgage statement on property I am not seeking to modified. This information they are requesting is for personal use only and nothing else.
Product: Credit card or prepaid card

i sent a letter to American Express saying my account was Hacked, They have ^XXXX XXXX XXXX in their possesion, they told me they were going to send me a check for XXXX XXXX XXXX, its been 22 days and i havent received anything at all when i call them they hang up on me
Product: Debt collection

I had been receiving phone calls from someone claiming to be with Wachovia, whom I used to bank with several years ago. I currently have an account with Wells Fargo. The person goes by the name XXXX, and he claims that there was a " soft close '' on my account and I still owe {$300.00} plus interest ( {$700.00} ). They had my last 4 digits of my social security number and had contacted my parents about the Civil Suit. The number I have is XXXX and the case number he gave me is XXXX. Is this a legitimate civil suit?