23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I bought my home in XXXX XXXX with an FHA loan and am facing a sale date on XX/XX/XXXX by the servicer Money Source. I have gone through a difficult time and hardship due to XXXX, XXXX XXXX for my mother and father ( now deceased ) and also because my fiancee moved out. I have never been considered for the government CARES Act Forbearance plan or been considered for loan modification by the servicer Money Source. I am trying to get them to postpone my sale date so that I can be considered for these government programs. I have been told that Money Source is required by the government to review me for both of these programs, but they are denying me access. I have gone through a very difficult two years and when I got back on my feet I contacted them to try and resume payments and was told that I had no options other than to pay back all the missed payments in one lump sum. This was not possible at the time, I wanted to resume making regular payments to fix this problem but they told me no. They said that was my only option, but now I have found out that since I have a government backed loan I should have been reviewed for the CARES Act forbearance program or for a loan modification, repayment plan, partial claim or forbearance. None of this happened and I am facing the loss of my home in a matter of days. I have tried calling Money Source several times to explain and request that they work with me, but they transfer me from department to department and tell me there is nothing they can do. I bought my home with an FHA loan in XXXX and made an {$11000.00} down payment. I have worked as an equipment operator laying asphalt for 9 years and with my income and the help of my fiance had no problem keeping up with the bills. However in XX/XX/XXXX my fiance left me and I was in a difficult financial position. Just a few months later Covid hit and it impacted my hours at work. This also coincided with my father 's XXXX  and XXXX getting worse to the point that he had to eventually go into hospice. At the same time my mother was going through XXXX treatment so I had to help them both out with transportation, appointments, prescriptions etc and was unable to keep up with my bills. At the time I was so overwhelmed between all of this chaos that I did not ask for help from Money Source because there was no $ $ to pay them. 

Things started to come back together for me in XXXX and work resumed with regular hours and my father passed. Since I was back on my feet I reached out to Money Source several months ago to resume payments but was told it was too late. No one at Money Source explained that the government had the CARES Act available for borrowers struggling with government loans -- -nobody told me that I could apply for a modification or some type of restructure of my loan, instead they just turned me down. I realize that this is last minute, but I believe I deserve a chance to at least be considered for these programs before they take my home away.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit file i've notice a few accounts and a Bankruptcy that doesn't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several billing errors on there to be inaccurate. 

violation of 15 U.S. Code 1666 ( b ) billing error Please remove the following items from my credit report, immediately : Experian * XXXX  {$1500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX [ this account is settled and paid ] XXXX {$3800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX {$3700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX$410.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX XXXX  XXXX {$6800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX {$79.00} Account info Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX  XXXX XXXX {$4500.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  {$4300.00} Account info Account number XXXX Date opened XX/XX/XXXX Experian* XXXX  XXXX {$6800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX  {$3700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXXXXXX XXXXXXXX {$410.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX {$79.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX {$4500.00} Account info Account XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  {$4300.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX  XXXX {$6800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX$3700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXXXXXX XXXXXXXX {$410.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX XXXX {$1500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX {$79.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Creditor : XXXX XXXXXXXX XXXX {$4500.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  {$4300.00} Account info Account number XXXX Date opened XX/XX/XXXXXXXX XXXX
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 : XXXXXXXX XXXX Account Number XXXX Account Name : XXXX XXXXXXXX Account Number XXXX Account Name : XXXXXXXX XXXX  Account Number XXXX has violated my rights. Or list of inquiries 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: Checking or savings account

On XX/XX/2018 my business checking account with Capital One Bank ( acct : XXXX ) was surreptitiously debited in the amount of {$2500.00}. At the time I had multiple business and personal accounts dating back years. The Capital One, XXXX, MD. branch representative could not explain how someone took the money but indicated that the debit was through XXXX XXXX XXXX. I pleaded with Capital One to reverse the charge and they seemed to not have been able or unwilling to assist. 
Around this time I was leasing one of my properties to XXXX XXXX XXXX ( see attached email ) who admitted that they banked with XXXX XXXX XXXX. XXXX XXXX vehemently denied withdrawing these funds from my account although they had the account and routing number to make rent deposits. In fact the funds that were debited were from a security deposit that would soon have to be returned after their client moved from my property. XXXX had no authority to make debits from my accounts ; although Capital One alluded to XXXX having been involved. 
I asked that a case be opened with Capital One and I never received a case number and the bank went further to debit a second account ( XX/XX/2018 ) I held in the amount of {$1300.00} to make the bank whole from the negative position my account was left in as a result of the unauthorized action. The bank refused to return my funds and / or assist with filing a claim with the FDIC. Today I can no longer access my account records, nor can Capital One customer service. This appears to be fraud and has cost me financial and emotional distress. I have attached the two affected accounts as well as a line of conversation with the company alleged to have taken the funds. I can be reached on XXXX if you require more information.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Vehicle loan or lease

I advised KIA that I would be purchasing my vehicle at lease end. Per KIA 's requirement, I sent a cashier 's check for the payoff amount. I sent it by certified mail and when I didn't received confirmation of delivery, I contacted the USPS who indicated they could not find the letter. After three days of the post office investigation, they still could not find the mailing.

I consistently called KIA, requesting they note my account with the issue with the delivery. I went to my bank who issued the check and requested a stop pay be placed on the check. My bank advised they could to this but they wouldn't be able to reissue a new check for 90 days. While sitting at my bank, I called KIA again and was told my payment wasn't received so we proceeded with the stop pay. This was on XX/XX/XXXX. I was transferred to a lease end rep to discuss a potential lease extension under the circumstances but was then advised they couldn't discuss that with me since my account had been flagged with a claim. They advised XXXX reported my vehicle as a total loss. It was obvious that the wrong account was flagged since my vehicle has never been involved in any insurance claim. Even though it was KIA 's error, I had to call XXXX  since KIA reps can not make any phone calls. XXXX immediately issued an email confirming they have never had a claim for my vehicle but KIA advised they would not be able to look at the email for 3 days. Realizing I was dealing with reps who don't have a clue, I sent the attached letter, overnight to the CEO of KIA. I have confirmation that letter was delivered by XXXX on XX/XX/23 and I have received no acknowledgement to date. I called KIA again last Friday, XX/XX/23 to see if at least the claim flag had been removed. The automated system then indicated my payment for the lease buy out had been received on XX/XX/23 but their rep indicated the claim flag still had not been removed. I immediately contacted my back who had me come in the same day and sign a form to release the stop pay on the check and confirmed that the check had not been presented for payment. I called yesterday to again check on the claim flag but was advised that while my payment had been received, it was rejected by my bank. I spoke with my bank this morning and they confirmed the funds were available and the check hadn't been presented for payment. I called KIA again today, to inform them of this but their rep said he couldn't determine what KIA did with my check and again said he would send an email to their payment department but once again, no one would look at it for at least 3 days. So now again, my cashier 's check of almost {$23000.00} is missing and KIA can't explain what they did with it. This has been extremely stressful and KIA has been a nightmare. All communications have been instigated by me. I've called daily, emailed daily but not once has KIA contacted me to say what they are doing about this mess.
Product: Mortgage

I financed my home with a local lender thinking support the community and of course the paper has been " sold '' at least XXXX. My mortgage now rests with Caliber Home Loans, XXXX. XXXX XXXX, XXXX, OH XXXX. I received an escrow analysis dated XXXX/XXXX/XX/XX/2015 which informed me of a shortage of {$2000.00} on XXXX/XXXX/XX/XX/2015 and my payments will increase from {$770.00}, which I have paid on time for the last XXXX months, to {$1000.00}. This is due to XXXX increase in premiums to {$3000.00}. I 've canceled XXXX on XXXX/XXXX/XX/XX/2015, expiration is XXXX/XXXX/XX/XX/2015, and changed insurance companies to XXXX starting XXXX/XXXX/XX/XX/2015. The premium is {$2000.00}. The principal and interest is {$560.00}
Product: Credit reporting or other personal consumer reports

Ive obtained. Copy of my credit report nd noticed the following errors. 

Last name : XXXX I have submitted documentation of my last name being XXXX, and it has not been updated on my credit report. There are bankruptcies showing on my report as last name XXXX as well. 

I have obtained a copy of my license for validation and would like this information updated as soon as possible. I am entitled to an accurate credit report, and this is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

my identity was stolen and I have submitted FTC
Product: Debt collection

On XX/XX/2020, I mailed Deville Asset Management Ltd. a letter, along with documents, to verify an alleged collection for {$8800.00} or delete it and discontinue reporting to the bureaus if they couldn't verify the debt. I received a return receipt stating that they received the documents on XX/XX/2020 and have yet to receive a response from them to this day. Verification or removal was also requested due to the company 's CEO being imprisoned for multiple charges in which making fraudulent accounts was one of many. I really need this to be deleted/removed as this is the only thing keeping me and my XXXX kids, ages XXXX and XXXX, from moving forward in my homeownership program so that we can move out of my parents overcrowded home. Please help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$1500.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries/inquiries on my XXXX, XXXX, and Equifax credit report. I recently retrieved my credit report and it showed numerius credit inquiries that I have no knowledge of ever authorizing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 
XXXX XXXX*Balance : {$17000.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern. I have a few unauthorized things I would like to be removed from my credit report and all credit reporting companies as I am being hit with hard pulls I never applied for. The dates are XX/XX/2020, XXXX, XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020. I recently applied for a XXXX  card and that's it all this other stuff is bogus or fraud. I never signed any papers. If they can show validation I'd love to see it because I never tried to do any business with above. XXXX XXXX that's another inaccurate thing on my credit file in marks section. I will show you pictures of everything.
Product: Mortgage

The lender did not provide the Final Disclosure within the 3 days before the closing. I was going to close on XX/XX/XXXX, and the final disclosure was there with the closing legal firm and never shared with me before that. On previous disclosures they confirmed an USD XXXX to bring to the closing and just then and there I was surprised with USD XXXX The first estimate was provided on XX/XX/XXXX and that disclosure was correct with a USD XXXX, but the following estimates in were around USD XXXX. 
Given that they did not send the Final Disclosure I contacted the lender the day before and he provided the same amount ( USD XXXX ) and to transfer some additional money just in case some minor change. I wired USD XXXX. 
On XXXX the second ready to sign everything they sent the legal firm ( not me ) that I need to bring to closing USD XXXX. 
I was able to transfer the money, but they impacted my cashflow to do the moving, and improvements that I needed to do to my new house. 
Also, they deleted all the inaccurate disclosures from the system and now I can 's access them. I only have access to the first estimate ( that it was ok ) and the final one because I signed it at the closing. 
I do have though the text messages with the lender confirming the closing number just the day before. 
In summary they failed to comply with the rule to share the Final Disclosure 3 days before and impacted me in my cash flow and final decision making process.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Investigation of Closed Account from Credit Report I am writing to bring to your attention a concerning issue regarding my closed account with XXXX , with the account number starting as XXXX. The account has been closed down due to fraudulent activities, and I have noticed inaccurate information on my credit report, including late payments and a balance, contrary to the terms outlined in 15 USC 1666b and 15 USC 1692 ( b ), as well as the protections provided by the Cares Act. 

I kindly request your assistance in investigating this matter and ensuring the prompt removal of the inaccurate information from my credit report. I believe this is essential for maintaining the integrity of my credit history. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX - XXXX XXXX  - XXXX XXXX  - XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.