23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ive recently become 100 % XXXX through the VA and thus qualify in my county for 100 % XXXX veteran homestead exemption. Ive confirmed this exemption with my local appraisal district and submitted a form from them to my loan care who is my mortgage servicer. However the refuse to except anything other than a tax bill which wont be available to my until around XXXX. My local appraisal district said that most mortgage companies will verify by calling them or checking their website since they have the most current property tax information. However like I said my loan care is telling me they wont except anything other than a tax bill from the county tax office. I feel that its not right for them to force me to pay money that I dont owe for nothing other than their laziness. Its currently XXXX and I wont have a Tax bill available until XXXX. Although I eventually will get all that money refunded I shouldnt have to wait months for them to verify this simple situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't Authorize / Authorizations too view / pull credit report / open accounts in my name ( Identity Theft Victim / Equifax Data Breach ) ... 

Equifax!!!!!!!!!!!!!!!!! 
Credit Cards XXXX XXXX XXXX Last reported : XX/XX/2018 {$2900.00} XXXX Days Late XXXX XXXX Last reported : XX/XX/2018 {$590.00} Good XXXX XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 {$380.00} XXXX Days Late XXXX!!!!!!!!!!!!!!!!!!! 

Credit Cards XXXX XXXX XXXX Last reported : XX/XX/2018 {$2900.00} XXXX Days Late XXXX XXXX Last reported : XX/XX/2018 {$590.00} Good XXXX XXXX XXXX XXXX NA Last reported : XX/XX/2018 {$380.00} XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am disputing unauthorized inquiries on my credit report. Please remove unauthorized inquiries immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reported accurately. I have a missed payment on this account ( XXXX XXXX XXXXXXXX ) that I in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to the complaint on the following dates ( XXXX ) Im now requesting Experian investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Bank account or service

Banks are not being fair about charging fees to an individuals account. I have several transactions going in and out of my account. I have several overdraft fees on my account. WHY do they allow transactions to go through when i dont have money available? Is that so they can grab XXXX $ from multiple hard working citizens ... I want all of my overdraft fees returned. I call customer service but thats hardly what it is ... they just treat you like another number and pass you around or just say im sorry my system isnt allowing me to reverse anything. Again why do transaction go through when i dont have money available. I have allot of transactions on my account and if you dont want to lose my business and that taking my account and credit cards to other companies, you reverse all my fees immediately. IF not i will go to the Attorney General and OCCs office along with the BBB.
Product: Credit reporting or other personal consumer reports

I was a victim of a data breach and identity theft because of XXXX, XXXX, and XXXX, credit reporting companies and I contacted these companies to get these charges off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 605, I'm requesting the removal of fradulent inquiries reporting to my credit.
Product: Credit reporting or other personal consumer reports

My home mortgage was held by Shellpoint Mortgage Servicing. 
In XX/XX/year> I sold this home. The closing was completed XX/XX/year>. 
This mortgage is being reported as unpaid and also being reported as XXXX payment as being 60 days late and the XXXX payment as being 30 days late. 
This is being reported this way even though I received a notarized letter from Shellpoint saying the mortgage was satisfied in full. This letter was dated XX/XX/year>. On XX/XX/year>, Shellpoint reported to XXXX this erroneous information. 
I have filled a dispute with the credit bureaus. 
I also phoned Shellpoint. ( XX/XX/year> ) I spoke with XXXX XXXXXXXX XXXX. I explained the issue with her, she confirmed the mortgage was paid in full. She told me in order for them to correct the erroneous information I would need to email a copy of my credit report to her and it would take 60-90 days for the error to be corrected. I emailed the report to her at XXXX as soon as our call was finished. 
In the meantime I can not proceed with buying a home or even renting an apartment due to what the erroneous information provided by Shellpoint is doing to my credit score.

I am presently living in a motel at a cost of XXXX XXXXXXXX dollars per night, and paying {$200.00} monthly for storage of my belongings.

These amounts do not take into consideration that my meals are all eaten at restaurants.

Their wrong reporting is costing me a fortune, and the mental anguish and XXXX  is indescribable.

Would you please help me with a resolution for this difficulty.
Product: Student loan

XXXX is my loan service provider. Since earlier this year, they have been transferring loans to a new platform. I received notice that my loans would be transferred starting on XX/XX/XXXX. I was told this transfer to the new system would take 14 days and after that I would be able to create a new account on the new platform to access and pay my loans. 
On XX/XX/XXXX, the transfer to the new system was initiated. The old platformed confirmed this and my balances showed as {$0.00} during the transfer. 
On XX/XX/XXXX ( 16 days after the transfer ) I attempted to create a new account on the new system, but my account could not be found. 
I tried again several more times in the week that followed, all with a error alert that my account could not be found. 
On XX/XX/XXXX, I received an email from XXXX detailing that the transfer was taking longer than originally estimated and that I would receive notice when it was available. 
I tried several more times in the week after that to create an account. 
On XXXX XXXX ( over 30 days since the transfer was initiated ), I called XXXX to request an update. As XXXX percent interest is ending on XXXX XXXX, it is imperative that I access my loans to pay a portion down -- I have enough to pay off one of my loans completely and did not want interest to accrue unnecessarily. 
I waited on hold for XXXX minutes. When I finally got through, the customer service rep could not provide me with a concrete time line for when I would be able to access my loans. She repeated that there was a delay. I told her of my intention to pay some of the amount owed and she advised that I would simply have to wait. I asked if there was an alternative way to pay and was told that I could send a check, but that I would have to put my Social Security Number on the check since I don't have a new account number and that the check could take up to 90 days to process because of the transfer. 
I have since tried to access my account several more times, with no success. 
On XXXX of XXXX, I received another email that the delay was ongoing. 
I have received no updates and still can not access my account or pay my loans. 

It's unacceptable that I can not access my loans and there is no real alternative to pay during the transfer -- especially right before interest starts up again. Because I can not access my loans to put payments toward them, I will accrue interest unnecessarily. XXXX needs to promptly fix this issue so that I can access my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XXXX, we were written to notify us that our mortgage loan servicing was being transferred from Ruoff Mortgage ( XXXX or the Company ) to XXXX XXXX XXXX XXXX I was told by a friend that works for Ruoff that the loans were being force-sold due to an audit completed at Ruoff which required all loans be transferred so that the mortgage Company could create its own servicing platform. In the flurry of communication over the subsequent 60 days there were notifications from both Ruoff and XXXX XXXX about direction of payments, etc. In an attempt to confirm that my automatic payments would not continue to be sent to the wrong servicer, I cancelled the XXXX payment believing that XXXX was the first month that was to be directed to XXXX XXXX XXXX However, the communication apparently stated that the loan was being transferred on XX/XX/XXXX and that the next payment ( XXXX ) would go to the new bank. I did note that in the plethora of communication from XXXX there was clear direction that any payment issues/errors during the transition and for a 60-day window thereafter would be forgiven during the process. As soon as I received notification from XXXX at the end of XXXX about the missed payment, I made both payments ( XXXX & XXXX ) for a total {$4300.00} which was initiated through my bank ACH platform and delivered to XXXX on XX/XX/XXXX. However, the previous servicer, XXXXRuoff, did not ever technically receive the XXXX payment and therefore put a 30-day late pay notification on my credit report. I have since spoken to my contact at Ruoff who mentioned that he had heard of a number of complaints from family and friends who had various payment/transfer issues and some that were still outstanding months after the transition. I believe this was part of a broader problem caused solely by XXXXRuoff selling the servicing of these loans as I have had no payment issues with Ruoff since the loan was opened on XX/XX/XXXX. Additionally, I have owned a home since XX/XX/XXXX and have never had a late payment at any point. Its worth noting that in nearly 18 years owning homes, I can not recall having had a mortgage loan servicer change any other time. 

I have no record of communication from Ruoff/XXXX either in written form or voicemails from XXXX XXXX attempting to report or resolve the payment issue. In todays era of spam marketing calls, any financial institution looking to take negative credit action against a Borrower should be required to provide at least a voicemail indicating the need for a call back. I do not know if they attempted to contact me as there were no voicemails, but the volume of phishing/spam calls necessitates that I only return calls from Unknown numbers in the event they leave a detailed message legitimizing the need to return a call. The late payment was simply a mistake resulting solely from the sale of the mortgage servicing as I have had no payment issues and was able to resolve the problem immediately upon notification from the ( new ) mortgage servicer.
Product: Credit reporting or other personal consumer reports

I was deeply alarmed to discover that my credit report has been accessed and misused without my authorization. Applications were submitted in my name, and companies pulled my credit report without my knowledge or consent. I do not recognize these fraudulent inquiries, nor did I authorize or apply for them. This situation is both disheartening and an outright violation of my rights as a consumer, leaving me frustrated and insulted as a law-abiding citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/2023 I received a text message from a family member stating that I needed to call XXXX XXXX at XXXX. This number is associated with D & A Services, a debt collection agency out of XXXX XXXX, IL. D & A Services is in violation of the Federal Fair Debt Collection Practices Act ( FDCPA ) for contacting someone other than myself regarding a debt I allegedly owe.
Product: Mortgage

On XXXX the XXXX my wife XXXX XXXX XXXX and myself XXXX XXXX XXXX Sold our house and was instructed to go to XXXX XXXX XXXX to meet with XXXX XXXX to sign the Escrow Documents for the sale of our Home. I will attach all of the documentation I have thus far. Ref ( 1 ) Email from XXXX XXXX President XXXX XXXX  XXXX XXXX XXXX, Ref ( 2 ) Origional Signed Document Dated XX/XX/2020 By XXXX XXXX XXXX Escrow Officer for XXXX XXXX XXXX and Ref ( 3 ) Unsigned corrected document from XXXX XXXX XXXX. We were told that all was good to go until my wife and I was called by XXXX XXXX XXXX XXXX Telling us that we are to pay them {$34000.00} back because they overpaid us. To my knowledge we satisfied our obligation when we sold the house. I contacted Village Capital & Investment about the discrepency and was advised that XXXX  XXXX XXXX has not sent the Payment from Escrow in the amount of {$280000.00} See signed attachement ( 2 ), XXXX XXXX XXXX will not send over the owed money on the account as per there need us to pay the additional $ XXXX because of there gross error. We used all of the equity paid to us to clear most of out depts. Please call or advise as to what recourse we have.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission whichis against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

My name is XXXX XXXX, and I am the account holder of XXXX XXXX XXXX at Truist Bank. Unfortunately, my account has been frozen without any prior communication or explanation, and despite numerous attempts to resolve the matter directly with the bank, I have not received a satisfactory resolution. 

I have made over XXXX calls to Truist Bank 's customer service department, but each time, I am met with a lack of updates or information regarding the status of my account. This situation has persisted for more than XXXX days, during which I have been unable to access my funds. The financial burden imposed on my business due to this account freeze is becoming increasingly challenging to manage. 

Despite assurances from the bank that the issue would be resolved within XXXX hours, there has been no improvement in my account 's status. In light of this, I find it imperative to seek your intervention in facilitating the immediate closure of my account and the release of my funds. 

I have attached relevant documentation, including records of my communication with the bank, to provide a comprehensive overview of the situation. I kindly request that you investigate this matter and take the necessary actions to ensure a prompt resolution. 

I understand that your bureau plays a crucial role in safeguarding consumer interests, and I trust that you will treat this matter with the urgency and attention it requires. If there is any additional information needed from my end, please feel free to contact me at XXXX XXXX XXXX or via email at XXXX I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

This account was supposed to been removed with another account after it was charged off with a XXXX balance, account was then transferred to a collections agency and I have been harassed about this and my financial credit has been messed up because of this derogatory account.
Product: Credit reporting or other personal consumer reports

Unknown Unauthorized Hard Inquiries on Equifax Credit Report XX/XX/scrub>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

took longer than the require time and not paying the disputed amt
Product: Credit reporting or other personal consumer reports

Remex is reporting a collection of {$650.00} from XXXX XXXX at XXXX. This is a medical bill and it has been paid in full. I have disputed with all 3 bureaus a couple of times and supplied the proof of payment. It has not been removed from my credit report. When I call Remex I am transferred to a very rude man ( I forgot his name ) that provides no information and doesn't seem knowledgeable. The original creditor has told me a few times that it should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute fraudulent information that I noticed have been reported on my credit report. Several months back i had my identity stolen and I am in desperate need of these items being reviewed and blocked. This has made my life very hard! I have been receiving emails and calls about debt that is not mine. My personal data has was exposed in several major data breaches including XXXX, XXXX, and XXXX breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon reviewing my credit report, XXXX and XXXX, I found numerous instances of collection companies not licensed in my state, trying to collect and reporting on my credit file. I am a resident in Arkansas and have been for the last XXXX years. I have also asked for validation of these debts from them 2 times, from XXXX and XXXX, and I have never recievced any documents from them verifying that the debt is in fact mine. XXXX has deleted these accounts from their report, stating that they could not verify them.
Product: Credit reporting or other personal consumer reports

I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue XXXX  and XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My car loan was sold from BBVA Compass to PNC when PNC bought out BBVA Compass. Upon transfer, PNC showed my loan to be a XXXX  month auto loan when it was an XXXX  month loan from the beginning. Our loan should have been paid off in XX/XX/2022, but I have been forced to make continued payments of {$540.00} each month thereafter due to their incorrect information. I have attempted to contact them several times with no resolution. I have requested documentation, which they did send and that documentation confirms that my loan was XXXX  months, not XXXX. They attempted to charge me an additional XXXX XXXXXXXX more than the total amortized payments on my original contract and the contract was never modified or refinanced, so PNC is simply just trying to steal money at this point and no one @ PNC cares to help fix my account.