23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bayview Loan Servicing , LLC has been harassing and threatening foreclosure. My account is current and has always been paid on time. Per contract my due date is the  XXXX  of each month and I have a 15 day grace period. Bayview has acknowledge and receives all my payments within the grace period, normally  by the  XXXX   or  XXXX  day or each month. Bayview has called me starting on the   XXXX   day of each month, regardless. Additionally, Bayview charges a convenience fee for accepting my payment in addition to my regular mortgage payment.
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I have asked customer service representatives who have called why they have been calling, harassing and threatening foreclosure. Was told that this are normal and acceptable collection actions and practices.
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Previously received calls in  XXXX  and  XXXX . On  XX/XX/XXXX received call from   XXXX   XXXX   at   XXXX   XXXX  . Who escalate the call to management  XXXX  ( did not provide last name ) at ext.  XXXX . Asked why I was being harassed and demanded that they do not call to harass me. If I become late ( which I have NOT ) to notify me via US Mail as all creditors / mortgage companies due.
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I have also asked that they DO NOT call to harass if payment is done on time and to communicate with me via US mail. Bayview has failed to comply to the my requests that they " do no harass me '' if and when all my payments are in time and within the grace period.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX Account Number:XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  Account Number:XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX Account Number:XXXX " I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. "
Product: Credit card

Please Delete this from Credit report this not mine SYNCB/AMAZON XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX  XXXX and XXXX XXXX and XXXX XXXX  I filed bankruptcy in XXXX  and never applied for any type credit my score been the same when I filed XXXX yrs ago never moved after XXXX other people tell me my score should moved up by now. Please remove this negative and fraud account away from me. XXXX XXXX and Experian. They also hard inquiry on my account I know nothing about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed 2 certified letters with return receipts, first letter was sent out XX/XX/2021 an received XX/XX/2021 asking Equifax to verify XXXX XXXX XXXX XXXX XXXX XXXX or to delete the account also included was a letter from the Court saying " they do not give or sell any information to third parties or credit bureaus '' also included was a letter from XXXX stating they deleted the XXXX XXXX XXXX  and on XX/XX/2021 Equifax verified the Bankruptcy accurately reporting and they also never marked the account under dispute or disputed. I sent my second letter out on XX/XX/2021 an it was received on XX/XX/2021 asking Equifax for Method of Verification and asking Equifax to send documents of proof or to delete the account and on XX/XX/2021 Equifax claimed they verified the account with the court and it is reporting accurately but once again with out providing Documents of Proof or showing Method of Verification. I have attached all documents to support my complaint.
Product: Credit reporting or other personal consumer reports

I received investigation results from TransUnion, File Number XXXX on XX/XX/year>. TransUnion indicated that the information I disputed was Verified As Accurate and that other information was changed. If something was changed wouldn't that indicate that the previously reported information was inaccurate?
Product: Money transfer, virtual currency, or money service

Bought XXXX XXXXXXXX XXXX on XXXXXXXX XXXX though XXXX confirm that i had two day trade left and i called severally XXXX XXXX XXXX did not allow me to sell and triggered {$79.00} loss On another App Cash App bought  XXXX XXXX XX/XX/XXXX and though I had two day trade left Cash App and Gamestop did not allow to sell and that triggered {$1000.00} loss. Another though at sell XXXX the average stock increment showed 34 %, it actually came out opposite returning {$1900.00} from {$3000.00} invested instead of positing {$4000.00} from {$3000.00} invested at average 34 % increment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was forced to get a loan so Security Finance could process my XXXX  Taxes. But the Loan officer that was doing my Taxes somehow sent the wrong information to the IRS about my claim on my child. So the end result was no Taxes for XXXX  and a loan that I was forced into taking so they could file my XXXX  Income Taxes.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 



XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$720.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1800.00} INQUIRIES : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requesting from Lexis Nexis to remove a incorrect inaccurate bankruptcy off my consumer credit report. I have emailed my disputes to them with no notification via email or mail that my disputes have been handled nor has the false bankruptcy been removed from my consumer report to my knowledge. Further more then 3 credit agencies, XXXX, XXXX and XXXX all continue to verify this bankruptcy all siting that Lexis Nexis their third party vendor has verified with them. This is not only a violation of my federal rights knowing full well that the court house does not subscribe to any of the credit agencies nor Lexis Nexis, and yet this false bankruptcy continues to be reporting on my consumer credit report. 

Lexis Nexis does not have my consent to share ANY information to ANY third party company and or credit agency. Furthermore Lexis Nexis is neither the direct furnisher of any public records. 

How many times do i have to dispute this false inaccurate bankruptcy off my consumer report before it actually gets removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing on my credit file 6 times with the same account info, I disputed it as duplicate but for some reason it came back as verified.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by sileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Debt collection

The bank said I overdrawn and I disagreed because credits should been on my account so I disputed charges to M & TBank. The bank said that they disputed and the creditors Declined, For any credits : so I disagree And did the disputed myself. XXXX XXXX return {$290.00} : XXXX XXXX agreed that they owned me money because That charged me on a contract they I cancel I went to the car wash place to pick the money up but since I told them I disputed with the bank they refuse to give me my money and said I was trying to collect twice. 

I do not owe this bank any money Im asking the bank to investigate and take me out of the credit and pay me the money they owe me for over a two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX XXXX XXXX XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on XX/XX/XXXX and XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late dates from this account : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A company calling themselves SUMMIT RECEIVEABLES will NOT stop calling and harassing me or my XXXX year old parents.
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They use threatening language and say I owe them money when I do not.
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XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have 2 inquires on my credit report that are unathorized and need to be removed immediately
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ordered a free credit report from EXPERIAN. There was a " potentially negative '' entry related to an entity identified inly as XXXX, which I believe is XXXX XXXX XXXX. That entity serviced my student loans for a period of time. The entity then transferred those loans to the current servicer ( s )  XXXX. Attempted to call EXPERIAN to inquire about what exactly was the negative aspect of my relationship with this entity. Tried to call a number of times, on a few different numbers. Nb. all calls were made during EXPERIAN 's posted hours of operation. No luck. Only contact was with an automated phone attendant and I was not provided with an option to speak with a representative.
Product: Credit reporting or other personal consumer reports

Company has violated my right to privacy They have furnished my information without my written consent.
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Mortgage

I refinanced my mortgage that was held with Bank of America and closed on XX/XX/2020. Bank of America received the funds to close my mortgage on XX/XX/2020. Per 12CFR1024.34 ( b ) ( 1 ) Bank of America must issue a payment to refund my escrow account balance within 20 business days excluding holidays. As on XX/XX/2020 I have not received payment for my remaining escrow balance and Bank of America is in violation of 12CFR1024.34 ( b ) ( 1 ). 

I have tried to contact Bank of America about the issue but the customer service line places me on hold for multiple hours and when I have been able to get in contact with a representative they were unable to resolve my issue.
Product: Payday loan, title loan, or personal loan

When called XXXX to be taken off list SSN was required to continue
Product: Debt collection

So this goes back to XX/XX/2022 I received a letter in the mail that they were gon na take me to court and sue me if I did not pay debt by the end of the month. I waited till the end they didnt take action they just kept calling me and harassing me I have screen shots of the numbers they have many phone numbers. Midland credit XXXX  is the name of the company. So they never sued me it was just a threat come XXXX I got tired of the harassing phone calls so I was contacted by Two different Numbers the same day by midland credit I have a XXXX so it says midland credit and then the number XXXX XXXX I have them screenshot and also in my notes I wrote down XX/XX/XXXX at around XXXX XXXX  I was contacted by midland I told them that I wanted a debt validation letter and they said they didnt wan na go that route, they want me To pay in a payment plan, I said XXXX no we wont go the route you want we are going the route I want and she got upset they told me they were audio recording my call so I know they got that on file well after that I didnt receive a letter 30 days latter I waited and waited till pass three months and now I receive a letter again in the mail for a payment plan that I could do payments as low as XXXX $ a month and have till XX/XX/XXXX to respond honestly I am so frustrated and cant be in peace that they are after me for a debt that they can not validate on me if I have to I will sue them For reals for harassment and playing with my rights this is abuse and I hope you guys cant do something about it I have a lot of photo evidence against midland credit XXXX  they are a bunch of rats I have paperwork from up to a year ago they can not really provide validation only the bought information
Product: Credit card

payment was issued to Macy 's on a account that reached the statue of limitation so the debt can be cleared. I called to check on the status of the payment posting several times to finally be told that they mailed the payment back. Well the payment posted but to the wrong account. Now I am being told that I have to mail in the copy of the check to a XXXX XXXX with not time frame as to when the payment will be put on the correct account. There are no managers that are available to assist with this matter. This need to be solve as soon as possible. I was also told that they ca n't send me a receipt showing that the payment has been posted to the correct account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CT XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Mortgage

I applied for a mortgage to refinance my current mortgage with XXXX  XXXX. They loan officer took my application and sent me the loan information and the rate locked. They locked me at a rate of XXXX for 10 year conventional loan. I have an excellent credit and credit ( XXXX ). The lock was for 60 days. I have provided every document the lender asked for in a timely manner. I was informed by the processor that they have everything they need and she is waiting on the underwriter to give us clear to close. The underwriter requested additional documentation, which I provided immediately. I was told by the process that should do it. I waited few days and I did not hear back, so I contacted the processor and she informed me that the underwriter is requesting addition documentation. Mind you that the 3rd time she tells me the lender has everything they need. I provided the additional document required within minutes and I asked for a clear to close so we can schedule the settlement before XXXX, but the underwriter did not get to the file and I was not cleared to close. The lender pushed the lock for 7 days to my shock as I am ready to close and I have provided everything and have the funds required for the the closing. The lender changed the terms and is asking me to pay for the lock extension even though I did not request it. The processor told me that if they extend the lock they will not charge me because it was not my fault. Now they are refusing the remove the fee of {$420.00} and they still have not lived up to their promise to give me a closing date before the end of the 60 days lock. As I indicated, I have an excellent credit, almost zero debt and the LTV is under 40 %. My annual income is almost 74 % of the loan, so I am a very low risk borrower. I am suspecting they are trying to frustrate me so I can cancel my loan, since I was locked at a very low rate with no fees. Please help. 

XXXX XXXX XXXX cell XXXX XXXX
Product: Debt collection

AFFIRM reported to XXXX credit report agency that I had 1 charge-off account and 2 loan accounts with late payments. When I called the company ( 5 TIMES ) to try to get statement, I was told the company did not mail any statement and that I would have to either register for an account online to get it or get it by email. 

When I asked for me to receive my statement by email, AFFIRM sent me a link to register for my account online. However, when I tried to register, AFFIRM website stated they could not verify my identity and asked me to contact customer service. This whole cycle just went back and forth but I was never provided a statement. 

Also, when I tried to register online, AFFIRM showed me my registered address was in XXXX XXXX, AK while I lived in CA. So, these loan accounts were result of identity theft and should be taken off my credit reports XXXX, XXXX, XXXX