23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Good afternoon, I hope this email finds you well. I am writing as I have been trying to work on a short sale with PHH Servicing and they have done so much though out the years for us to not be able to do anything with this home but end in foreclosure. I hired a realtor and we found a buyer the home is in very bad condition this was my parents home its in shells right now. we are trying to do a short sale so that we can The short sale was denied based on a " No access was granted to the account for an appraisal. However, we submitted an appraisal report, and we allowed access to the appraisal to go and conduct the inspection. He cancelled the inspection several times. He did not want to enter the home due to the condition, and they are penalizing us in return for their short comings. 


The agent sent the appraisal report as they suggested we did. We sent several emails that the XXXX was not returning calls and was cancelling the inspections to please reorder the appraisal with a different vendor. We submitted the appraisal in a timely manner as soon as we received it back. After we conducted our own appraisal, the short sale was closed with no emails no updated and was asked to resubmit only because XXXX an appraisal. Now they won't reopen the short sale because an option to review the short sale was already given. This is inaccurate ; it is out XXXX our control that the PHH appraisal never went to inspect the home. The vendor should be responsible for this matter and not the homeowner punished. 


The appraisal is attached. We submitted it to PHH servicing the team working on short sale by not following up or being on top XXXX the files and not putting the items in the system and then penalizing the homeowner for it. I am trying to deal with this matter there have been many squatters and I've had to call the police. Additionally, this bank has been working with employes that don't communicate appropriate to include loan number property address or anything. They kept saying that if--
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$350.00} XXXX  XXXX Balance : {$760.00} XXXX XXXX  XXXX XXXX : {$36.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$3000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX : {$210.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$3700.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

Equifax is showing every XXXX of my credit accounts as " derogatory '' and showing XXXX missed payment for each account. I have not missed ANY payments for ANY of my accounts.
Product: Credit reporting or other personal consumer reports

I know that credit reporting agencies supposed to report only 100 % maximum accuracy items. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. I called the courts in my state, and they stated the dont report anything as the furnisher so THE XXXX BUREAUS are committing forgery fraud and will be reported to the authorities for that. 

Bankruptcy XX/XX/XXXXXXXX Reference # XXXX XX/XX/year> Bankruptcy : XXXX XXXX Reference # : XXXX XX/XX/year>
Product: Credit reporting, credit repair services, 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 consumer 's right to privacy. '' XXXX, XXXX 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 it's 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 XXXX, XXXX 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 XXXX, XXXX and 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 which is against the law. 15 U. S. Code subsection 1681 s-2 ( 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 subsection 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR subsection 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: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), there is a need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. XXXX, XXXX, and TransUnion are consumer reporting agencies, and I am the Consumer. I have the right to ensure my private information isn't shared, as backed by 15 USC 6801, which states that financial institutions have an obligation to respect customer privacy. XXXX XXXX XXXX is a financial institution under that title. 15 USC 1681 section 604 ( a ) ( 2 ) states that consumer reporting agencies may furnish a consumer report only in accordance with the written instructions of the consumer. XXXX XXXX XXXX, XXXX, and XXXX do not have my consent to furnish this information, nor do they have my written consent. Any and all consent to XXXX XXXX XXXX, XXXX, and XXXX, whether verbal, non-verbal, written, implied, or otherwise, is revoked. Furthermore, 15 USC 6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise a nondisclosure option. XXXX XXXX XXXX never informed me of this right. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items of information in a report without authorization. This account is an adverse item being reported without my permission, which is unlawful. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that a person shall not furnish inaccurate information to a consumer reporting agency, and 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations. XXXX and XXXX are not maintaining reasonable procedures. Lastly, 12 CFR 1016.7 allows consumers to opt out at any time. Therefore, I am opting out of XXXX XXXX XXXX 's reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Statewide a DEBT VALIDATION letter and a cease and desist letter. I believe this ACCOUNT TO BE FRAUDULENT. I am a VICTIM OF AGGRAVATED IDENTITY THEFT. this was furnished on my credit report WITHOUT 5 DAY NOTIFICATION OF DEBT, not giving me the opportunity to validate it. 
XXXX signed the return receipt attached and has not responded to any of the requests. It has BEEN OVER 60 DAYS. I demand that XXXX remove this fraudulent account from my credit file and XXXX  out this balance. 
TransUnion is apart of this AGGRAVATED IDENTITY THEFT because the reported the FRAUDULENT ACCOUNT which is also UNAUTHORIZED USE of my social security number.
Product: Debt collection

Due to unforseen circumstances that have lead to involuntary hardship, making it difficult and impossible for me to repay this debt and other debt obligations. I am providing you a copy for evidencing purpose, reciept of my Social Security Benefits so that you may review my circumstances and take appropriate action on account that is uncollectable debt. My situation protects me as a person on Social Security XXXX from having my income garnished by a creditor for the purpose of debt collection for private debts like credit cards. The reporting of this collection account to all three major credit reporting bureaus as a XXXX XXXX XXXX further puts me in an even more serious financial hardship crisis. 

Due to rising cost of living expenses, rent, utility, gas, food and especially car insurance premiums and other unforeseen financial hardship there is no way possible for me to satisfy this debt and other debt obligations. 

Please see attached documents regarding Social Security XXXX recipients and ( XXXX ) laws protecting Social Security XXXX recipients from Garnishment of this benefit income, making account debt uncollectable.
Product: Debt collection

I did not get anything from the collection company. It just showed up on my credit. I tried to call the collection company and was told that they do not give out any information about there clients and that I owed {$500.00} ( it is on my credit 2x ) for an apple watch ( I have never owned anything XXXX ). I have XXXX identity protection and we have called collection company 2x.The first time ( XX/XX/XXXX ) the person that I needed to talk to was not there. The second time ( XX/XX/XXXX ) spoke to XXXX the manager he said ( rudely ) that he was on a call and we would have to call back. I also filed a fraud report with the XXXX FL police department and the FTC. I have tried to contact the company that I am suppose to owed but no phone number is listed and I am unable to speak to them. The collection agency is JJ Marshall & Assoc. XXXX and the company that I was told that I owe is XXXX XXXX XXXX. I can not get an address or number for them. The account was open on XXXX XXXX XXXX and was reported in XXXX. XXXX reported on my credit on XXXX XXXX XXXX.We have called on XX/XX/XXXX and on XX/XX/XXXX and still have not talked to anyone.
Product: Mortgage

Mr Cooper continues to ignore me and not provide me VERY simple information about my mortgage. I have not been contacted about my earlier complaint. They have now also started calling and harassing my wife. EVERY singe person I have talked to, even supervisors, has given me verifiably wrong information. 

I am trying to figure out how to stop the Covid-19 relief that I needed. I can't get proper information on how much I will even owe on a partial claim. I was told one figure by a representative when I signed up for it, then I got a number that was double when I got the paperwork. 

Weeks later, I can't get any information on where the double payment from the estimate I had even came from. I can't get correct information about how to pay off the partial claim. They are simply harassing me and giving me false information and taking advantage of me during a very hard portion of my life.
Product: Credit reporting or other personal consumer reports

I have reached out to the company on several occassions. I have three hard inquiries on my XXXX credit report for the company Santander Consumer USA. The one from XX/XX/XXXX is ACCURATE! However the one from XXXX and XX/XX/XXXX is NOT from me. I reached out to them to get these removed but they wont work with me.
Product: Checking or savings account

i was was abused and taken advantage of according to 15 usc 1692 sub section 802 : i have disputed transactions on my account which were fraud. i did not contract with XXXX  or the other accounts listed in the attachment, and the transactions were fraudulent. they were not valid and the company has agreed to the reversal and did not which i have now done with the bank, the bank claimed to complete a valid attempt to verify the fraud. the funds were retracted and i was violated by them closing other accounts other than the account the funds were removed from. this has caused my home to be placed in collections and many other constraints. an FTC has now been created and a full pursuit of Restitution and remedy are in pursuit. Navy federal has continued to make harassing calls after being request to Cease and Desist. 

Violation : 15 USC 1692 c Several efforts were made to state the fraud. and show proof. i did not authorize the transactions period. 

XXXX  : XXXX 15 U.S. Code 1602 According to congressional finding in the Fair Credit, as a consumer this has caused my family strain, there are violation 's that were committed against me which will be pursued as My accounts are continuing to incur charges due to their maleficence.

among many : _ closing the account and adverse action 15 U.S. Code 1681m - Requirements on users of consumer reports ( II ) bears on the credit worthiness, credit standing, credit capacity, character, general ( C ) Information described reputation, personal characteristics, or mode of living of the consumer ; and
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reading the article about Navient lawsuit this complaint is definitely needed. As long as I've had student loans I was never informed about the income driven until about a year or two ago. So I recently submitted my income driven application on theXX/XX/XXXX. I was informed that they had 14-17 days to input your application in there system. What baffles me is that they don't use the date the the application was received, they use the date that they put it into their system. Due to this, my account is now considered to be 112 days past due. Which has just hit my credit report and dropped my score down 63 points.  XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I have been working hard on making sure that I am sending my payments on time, which is the XXXX of every month. With the agreement of {$10.00} but I pay {$20.00} and if I can pay more I will. I am in tears because I am working hard on trying to get my credit back on track and Navient has just set me back by almost 70 points. Just amazes me that XXXX will use the date that the application was received. At this point Navient has reported incorrect information on my credit report and I would like my income drive application to mimic the date it was received and that was XX/XX/18. This is not how you do business. The entire income drive and forbearance and deferments are a joke and a rip off. You have people that actually want to take care of debt and you end up screwing them for do the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

After contacting transunion regarding an inaccurate address they refused to remove from my credit report. They are reporting a address that I DO NOT RESIDE at. I have asked that they remove this inaccurate outdated information from my credit report as I do not authorize them to report any address but the address I have submitted on my drivers license.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account name 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

What happened? 

I am filing this complaint because XXXX is continuing to report my credit card utilization despite my explicit instructions to opt out of such reporting. This unauthorized reporting is negatively impacting my XXXX XXXX. I have requested XXXX to stop reporting this information, but they have refused to comply. 

Relevant USC Codes : 1. 15 U.S. Code 1681b - Permissible purposes of consumer reports - Specifies the circumstances under which a consumer reporting agency may furnish a consumer report, including the requirement that such reports must be furnished for permissible purposes and with the consumer 's explicit consent.

2. 15 U.S. Code 1681m - Requirements on users of consumer reports- Mandates that users of consumer reports, such as XXXX, must provide notice to the consumer when an adverse action is taken based on information in the report. This includes providing specific reasons for the denial and the right to obtain a free copy of the report used. 

3. 15 U.S. Code 1611- Civil liability for willful noncompliance - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for actual damages sustained by the consumer or statutory damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report 1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 


2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Mortgage

This is a complaint related to the non-answer on Complaint # XXXX I received from Bayview on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ( attached ). The original complaint : Describe what happened so we can understand the issue ... 
I had a loan on a home in Florida of which the mortgage was purchased Purchased in late XXXX and became serviced by Bayview Loan Servicing. The property was surrendered last XXXX in a Deed in Lieu transaction. On XXXX/XXXX/XXXX ; I received a XXXX from Bayview with the incorrect Fair Market Value of the home and therefore, the incorrect amount of discharged debt. The XXXX was not filed on a timely basis and incorrect information was given the the IRS. 

My response : To Bayviewloanservicing Customerservice XXXX XXXX CC CPA XXXX XXXX XXXX Message body To Whom It May Concern : I have received your response to my inquiry dated XXXX/XXXX/XXXX and have further asked the CFPB to pursue my complaint. I believe the XXXX ( Corrected ) document I received on XXXX/XXXX/XXXX is ( a ) in error in its amount and ( b ) not received in a timely fashion and ( c ) the original from was never issued to me ( if this is indeed a " Corrected '' version ). The pertinent paragraph in my DIL documents was unequivocal : Inline image If you were to pick another FMV of the property ( from the several appraisals you conducted ) ; it should have been immortalized in the Document of DIL. I 'm am not a expert here but am sure you 've violated IRS rules in the timing of issue ( my quick research indicates that XXXX 's for Cancellation of Debt are due to Taxpayer by XXXX XXXX ) and in the amount on the XXXX Corrected. Please correct this mistake immediately. 

Attached : Your XXXX/XXXX/XXXX Response The DIL documents signed XXXX/XXXX/XXXX XXXX Corrected received XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Cell XXXX Bayview has now delayed me again on this response. I believe they are outside of IRS and Consumer Finance laws here but they refused to answer a call of try honestly to resolve this issue