23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello - My name is XXXX XXXX. I have had continued issues with XXXX XXXX XXXXXXXX and I need serious help with them. 

I went through a modification with them back in XX/XX/XXXX. In this time they would not take payments from me because they said it was going through the process of modification. This took a year of continuously sending them bank statements and profit and loss statements and so on and so on. I would talk to one person at the company and they would tell me something different then someone else. This would go back and forth of them telling me something wasn't right on the paperwork or they never received it. 
After a year of going through this then they tell me that my mortgage has matured. I knew nothing of this as my ex husband did the loan. I then contacted AHEAD and they helped me to go between the mortgage company. All paperwork was done over again. Back and forth. Meanwhile my payoff amount went from {$49000.00} to {$60000.00}! I filled out the paperwork signed the final paperwork for approval of modification on another fifteen years. Had it notarized as requested by them. Sent it to them and Ahead. I got paperwork stating from them congratulations my modification was approved. Relieved and finally able to sleep at night. However it was short lived. A few days later I get a letter stating oops we were wrong! You need to have your ex husband sign the modification as well. I told them I had explained several times before that this was not an option and that's why I sent them copies of the quick claim deed that he no longer has anything to do with the mortgage and that he has a life time restraining order on him from the courts and was not allowed anywhere near myself or my kids. I told them I've gotten a modification before and they excepted it. They told me they can no longer except that and if he doesn't sign it, my house goes up for foreclosure. As you can imagine I'm devastated about this and losing sleep because Im going to lose my home my family was raised in. I've lived on that land for thirty years and the thought of it being taken away because I can't get a signature from a man that hurt myself and my children is just unreal. Please I just need to know what I can do to save my house. Going to another mortgage company isn't an option right now. My husband and I own a small business and can not get loans at this time. 

I tried making XX/XX/XXXX Payment and now the agent whos ID number is # XXXX said they will no longer except mortgage payments from me because they didnt receive the second set of modifications they sent me with my ex husbands signature on them. 

I dont know where else to turn. 



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

I am asking for your support in correcting the erroneous account on my credit report. This mistake has affected my reputation, and I need your help to resolve it.
Product: Debt collection

Checked my credit report and seen that there was a collections account just opened. Never once received a phone call or letter letting me know. My {$330.00} balance was paid in full to XXXX.
Product: Checking or savings account

On XX/XX/year> I attempted to access XXXX XXXX in my Ally bank account. The account is in good standing and I have used XXXX for over 10 years. I was denied access. I received not written notice, and there was nothing in my message section of my account. I called XXXX ( who handles XXXX ) and was told to contact Ally Bank. Ally told on the XXXX that the problem should be resolved by the XX/XX/year>. It was not. Since I consistently pay my bills on time and have over XXXX XXXX scores, I was very concerned that I would be late in paying my bills. I called both XXXX and Ally again on XX/XX/year> and I have been granted access to XXXX. I have never received an email, letter or verbal explanation as to why my account was frozen. It was pure luck that I attempted to access my XXXX account early this month. XXXX, XXXX was reactivated with a simple phone call which leads me to believe that this was a glitch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent numerous letters to XXXX  and TransUnion about the collection that is still shown on my report. XXXX  removed on their end but TransUnion and XXXX  our still showing this inaccurate information on my credit reports and it's taking a huge effect on my credit score. I have not gotten any response from the bureaus on behalf of the item. I want this removed ASAP as which they can not provide any information about this debt bearing my signature.
Product: Debt collection

I did not have an opportunity to dispute any information. a notification was not sent to me. Send me certified receipt with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX have these negative items on my report I tried to resolve the issue and its still not fix.None of the companies XXXX XXXX XXXX XXXXXXXX or any of the negative items on my report have a agreement with my signature or valid contract.I didnt give any of these companies to share any information.They dont have a statement saying I paid them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

We state for the record to Experian, XXXX, & XXXX of the alleged accounts : That I did not sign any instruments pertaining to those accounts listed above either as maker or endorser with wet ink signature. That the signature of any documents annexed to the accounts listed on the FTC report is not my wet signature on behalf of XXXX XXXX XXXX ( assumed business name ) but is instead is a forgery made without my full disclosure, knowledge and my approval.
Product: Vehicle loan or lease

I moved from the State of XXXX  to the State of XXXX XXXX on XX/XX/XXXX. The State of New York requires me to register my vehicle within 30 days and requires a copy of the vehicle title and permission to register the vehicle in the State of New York. 

I contacted TD Auto Finance on XX/XX/XXXX to request the copy of my vehicle title and permission to register the vehicle in the State of New York. TD Auto Finance provided that they will mail both documents to my confirmed mailing address. 

On XX/XX/XXXX I contacted TD Auto Finance to request an update. They provided that the documents shipped on XX/XX/XXXX and will arrive between XXXX business days. 

On XX/XX/XXXX I contacted TD Auto Finance to request an update and they provided that they have no update and that it should be arriving within the next few days and that they will put in an expedite request. They are unable to provide a tracking number due to only being able to ship documents via XXXX. 

On XX/XX/XXXX I contacted TD Auto Finance to request and update and they provided that the expedite request consisted of shipping the documents out again and that they were shipped on XX/XX/XXXX and would take 5-8 business days. Shipping is sent from South Carolina. 


I am currently paying monthly payments on my vehicle and if I do not receive my title and permission to register my vehicle in the State of New York within the next few days then I will not able to operate my vehicle. It is ridiculous that it is taking this long to receive my documents from South Carolina to New York and that I am unable to even verify if they have truly shipped.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd complaint to inform the Credit Bureaus that I am a victim of identity theft and I complaint to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. These items are unknown to me. Also, the information that some Credit Bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I never received anything in return due to idenetity theft therfore the Credit Bureaus are required to remove disputed items completely from my Credit file : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act 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, credit repair services, or other personal consumer reports

I am writing this letter to dispute an item on my consumer report that is inaccurate and needs to be investigated and deleted from my report. The collection account in question is XXXX Acct # XXXX. 

Upon reviewing my credit report, I have noticed that XXXX is reporting a last active date of XXXX  for this account, whereas XXXX is reporting a last active date of XXXX  This discrepancy in the last active date is causing confusion and misleading information on my report. 

I have contacted the creditor, XXXX, and they have confirmed that the account was last active on XX/XX/XXXX, which is in line with what XXXX has reported. Therefore, I am requesting that XXXX investigate this matter and correct the last active date on my report to reflect the correct date of XX/XX/XXXX. 

In addition, I am requesting that XXXX delete this collection account from my credit report entirely, as it is no longer a valid debt and should not be negatively impacting my credit score.
Product: Credit reporting or other personal consumer reports

The first time I realized there may be some inaccuracies on my credit report was on XX/XX/2023. I contacted the credit bureaus via certified XXXX XXXX mail tracking # XXXX to let them know about the inaccuracies on my credit report and I would like them investigated and deleted. I checked my compared my credit report from XX/XX/2023 to an up-to-date report nothing has been modified. This is a violation of my federally protected rights and is causing me an enormous amount of stress to where it is affecting my mode of living. Can you please et an update on my credit report and when it will be modified to reflect accuracy across all three of the major credit bureaus?
Product: Mortgage

On XXXX XXXX, 2016, I sold a condo to folks who previously had rented the property from me ( XXXX XXXX and XXXX XXXX ). As part of the purchase contract, I paid the closing costs. As part of the final Settlement Statement, the mortgage loan officer and the closing agent stated by phone and email that if we did not purchase the " optional '' owner 's title insurance policy that the price of the lender 's title policy would increase proportionally. In effect, this practice forces the purchase of a product ( the owner 's title policy ) to the detriment of consumers. I am seeking a refund of this cost ( {$270.00} ) and for regulatory intervention by the CFPB to consider ending a practice that is unfair to consumers. 

The purchasers have given me authorization to file this complaint on their behalf. Thank you for your assistance! 

XXXX XXXX XXXX XXXXXXXXXXXX
Product: Money transfer, virtual currency, or money service

Ive been using cash app since about 2016 and Ive had lots of issues such as random charges for unknown places as well as my most recent issue where I was trying to get a refund for a purchase I made which ended up being a scam I made a claim about 5 times and each time they denied it say that my order was fulfilled even though I gave them screenshots showing that the websites doesnt even exist and the tracking hasnt been updated for about a month now I called and all they could tell me was that I could file again but they couldnt do anything else.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. Transunion and XXXX Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX  XXXX Balance Owed : {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$490.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ;
Product: Debt collection

On XX/XX/XXXX I viewed my credit report and found two collections from the same company. 



I never received any correspondence from them saying I had a debt. 
Debt Recovery Solutions {$940.00} Debt Recovery Solutions {$270.00} On XX/XX/XXXX I mailed a debt verification letter ( non certified ) to the collection agency and credit bureaus. I received no response from the collection agency and the bureaus response was that the debt was valid. I never received anything validating the debt. 

On XX/XX/XXXX I mailed a pay to delete for both accounts in an effort to just get it off my credit. To date I have had no response.
Product: Debt collection

I have been a victim of identity theft. On XX/XX/year>, I noticed a collection account on my credit upon further review I was made aware that it was not a debt that was mine. I tried to contacted the company and file a police report and this report
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to some fraudulent activities I have hard inquires on my report that were not authorized by me! I have disputed these inquired w/the CRAs w/no success. 

XXXX/XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXXA XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX I did not authorize these inquires and I am NOT benefiting from these inquires. 

There are ONLY TWO INQUIRES THAT I AUTHORIZED XXXX  XXXX XX/XX/XXXX AND XXXX XXXX  XX/XX/XXXX!
Product: Student loan

While serving XXXX XXXX from XXXX to XXXX before I was XXXX. I was dealing with XXXX XXXX XXXX whom unbeknown to me they were putting me on forbearances. Which know that FedLoan Servicing has taken over my account XX/XX/XXXX I have discovered via my Public LOan Forgiviness that only 48 months have been applied. I am missing roughly XXXX months of payments applied. They have not really done anything to correct this issue. As of roughly XXXX XXXX this loan should be written off underneath that program. It needs to be readjusted accordingly to show I have made 101 payments out of my required 120.
Product: Mortgage

We applied for a modification of my mortgage XX/XX/XXXX and the modification was approved XX/XX/XXXX. As of XX/XX/XXXX, we have not received any paperwork regarding the finalization of the modification from Bayview Loan Servicing. We continue to receive late notices from our primary lender ( XXXX XXXX XXXX ), as only partial payments are being reported.
Product: Consumer Loan

It seems the bank ( Wells Fargo ) has an error in their loan management system. I had made an error in setting up my automatic loan re-payment information and inadvertently missed a payment. This triggered a {$20.00} late fee in my account. No problem with that. However, when looking at my statement, I noticed that the line item that added the {$20.00} late fee also incurred a {$.00} cent interest in the same monthly bill. I think that is wrong and hopefully just a " programming error '' and not an INTENTIONAL act to XXXX money from consumers. Please look into it and either explain this action or ask Wells Fargo to change their practice. I made a personal complaint when I called to ask for a one time waver of the Late Fee. They did grant me that waver but did not say anything about this OUTRAGEOUS interest gouging practice. XXXX multiplied by XXXX is a lot of money.
Product: Mortgage

In my previously closed complaint, CITI asked me to provide evidence that XXXX XXXX XXXX indeed promised me with the full refund of XXXX dollars. If found, CITI promised to refund me with the remaining money, which is XXXX dollars. I have just manged to find evidence of his promise. I have attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the credit report there are to errors..One my name incorrect XXXX XXXX .social security number wrong its showing last four digits are XXXX my social number is XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, There is information reporting on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me as the consumer. ( see attached )
Product: Credit reporting or other personal consumer reports

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINTXXXX XXXX  COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine. 
These items should be deleted immediately while in litigation pursuant to FCRA guidelines. If you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation.
Product: Debt collection

I received an alert that my credit score had changed from a credit monitoring service. I saw a collection account with a company that I have never gotten calls from. I got a letter today from another credit collection company saying that XXXX XXXX XXXX has sold my collection account to XXXX XXXX XXXX. I called the original creditor on the letter. They would not tell me much. They suggest that I call the collection company. I called XXXX and they said the account was open onXX/XX/XXXX. They gave me two phone numbers XXXX XXXX and XXXX that was on the application. Those numbers are not my numbers. Then they gave me my SC number as a third number. Back in XX/XX/XXXX of last year, I talked to XXXX someone tried to open up a XXXX account in my name. This XXXX XXXX XXXX it now called XXXX is affiliated with XXXX. I tried to tell the collection agency and XXXX XXXX XXXX it this is not my account and its identify theft. They would n't listen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX, 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, credit repair services, or other personal consumer reports

XXXX is reporting wrong months late. Instead of reporting for XXXX they reported for XXXX. 

On a recorded line, I was told by a XXXX XXXX on XX/XX/XXXX that the payment I made for {$75.00} was sufficient and there was no further payment I needed to make when I offered to make a payment, I was told you are caught up for past due balances and they saw the {$75.00} payment. 

Also, on the statement is says {$74.00} minimum and {$93.00} past due. It also says {$190.00} was the minimum payment. 

I paid {$75.00} on XX/XX/XXXX. The account would have only been thirty days past due on XX/XX/XXXX. Now I am being told that I should have paid {$93.00}. 

If XXXX is to report on my credit it should only be {$18.00} 30 days past due. 

I was also told that if they pulled the call where I offered to make a payment with the rep and they heard her tell me no further payment ( for past due ) was due on this call and I would only have an upcoming payment due XX/XX/XXXX. they would make the correct as a XXXX error. 

I spoke with XXXX XXXX from XXXX offices and she yelled and screamed at me and refused to hear my concerns. This call was audio recorded.
Product: Checking or savings account

I want my money returned to me. The bank employees would not help me find out what happened to it. The only thing that could have happened is they stole it. I have been totally abused by the bank and their workers. Everyone just kept saying they did not know what happened. I was even told to forget getting any money back because the president forgave the bank its wrong doing. Help me please it put me into extreme poverty and l ca n't get back my living in a well status. I am XXXX legally XXXX have no car and need my money back.
Product: Student loan

I am a creditor in the XXXX  bankruptcy. I have notified naviant and XXXX multiple times that I will not be making payments until there is a resolution. They continue to harrass me and make up stuff, and attempt to intimidate me, and even hang up on me when I return their unlawful and harrassing calls.