23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After years of attempting to modify my mortgage through XXXX, I finally made 3 trial payments of {$1900.00} as agreed and ahead of schedule on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX representing trial payments for XXXX, XXXX and XX/XX/2018. 

As I was awaiting modification documentation to sign, the servicing was transferred to Selene who agreed to honor XXXX 's modification agreement and send endorsable documentation to sign. On XX/XX/2018 the mobile notary came to my home with non-endorsable documents because Selene sent the modification documents in the name of XXXX XXXX and not my current name, XXXX XXXX. 

I immediately contacted Selene and requested both accurate documentation and a review and reconsideration of the terms - which now included a balloon payment and mortgage calculations which I was told would take 30 days. After more than 30 days of no response, I made contact with Selene on XX/XX/XXXX, which was immediately followed up with an email. Selene at that time requested a copy of my drivers license, which I provided.

Selene also indicated on XX/XX/XXXX that they could not take any payment from me at that time due to a missed XXXX payment. I explained that I was advised to await the completed modification before making my next payment, which I thought would be XXXX, but that I could make both XXXX and XXXX immediately if needed, which was rejected. Instead, I was asked to accumulate these payments and be prepared to make them all at once when the modification documentation was resubmitted which I have done. 

At the end of 30 days, XX/XX/XXXX, I was preparing to reach out to Selene on a status when I learned that Selene moved forward with the process of selling my home which now has a sell date of XX/XX/XXXX. I was told on XX/XX/XXXX that they have 30 " business days '' not counting weekends and holidays and that I have until XX/XX/XXXX. 

On XX/XX/XXXX, I was contacted by the rep for my account, Mr. XXXX, who indicated that he was going to initiate the review of terms by the investor as it had not been done yet. I asked how long it would take, he stated he didn't know. I asked if they would take actions to remove/push out the sell date/foreclosure status on the home pending their getting me endorsable documentation, he said they would not do that. 

I have email documentation showing that I have contacted Selene requesting endorsable documentation given that I have made my 3 trial payments and I have not to receive it. 

I am concerned that the mortgage company will continue to drag its feet and that I will lose my home.
Product: Credit reporting or other personal consumer reports

i recieved an unknown collections to my credit report with no knowledge or communication there was an open debt from this company. The original creditor is also a company i have never used or heard of. 

The company is BULL CITY FINANCIAL SOLU
Product: Credit reporting or other personal consumer reports

Civil Action for Possession XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. {$2600.00} XXXX XXXX XXXX XX/XX/XXXX, {$3300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX, {$300.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, {$170.00} {$1200.00} XXXX XXXX -- XX/XX/XXXX, {$4000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX, {$2700.00} XXXX  XXXX XXXX XX/XX/XXXX, {$2400.00} XXXX XXXX XXXX XX/XX/XXXX, {$2300.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Information is incorrect on my credit report. I reached out to the courthouse and asking do the company report bankruptcies and if so to whom. The response that I got from multiple communications was that they don't report bankruptcies to anyone or any agencies. So if that is the case, how did the credit bureaus verify my bankruptcy as a 100 % accurate? They never did a investigation as to 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) states ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtain through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly form a creditor of the consumer or from the consumer. They also violated my rights numerous of times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States that I have the right to privacy. According to : 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, According to : 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: Credit reporting

I never received a copy of the actual contract from XXXX to prove my account opened on XXXX/XXXX/XXXX. Also I do not have proof the last payment made was on XXXX/XXXX/XXXX. I asked for full payment history and I needed to see a copy of the original contract. XXXX is re-aging my last payment date and reporting it to experian and equifax erroneously. FCRA rights ignored and Fair Billing rights ignored. in the letter they admit incorrect reporting by experian and they should delete the account. Equifax also has the wrong date opened, they need to produce the full payment history and prove they actually did an investigation. I have disputed this for over 120 days without a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND XX/XX/XXXX I PAID {$19.00} A MONTH FOR EQUIFAX ONLINE SERVICES TO MY CREDIT REPORTS. I CAN NOT ACCESS THOSE PURCHASED REPORTS NOW, AND I BELIEVE I AM ENTITLED TO HAVE ACCESS TO THEM. ASLO, I FEEL THAT I AM WORKING CONSIDERABLY HARD TO PAY BACK SOME THINGS ON MY REPORTS AND I DO NOT FEEL THAT EITHER XXXX, EQUIFAX, OR XXXX IS TRULY WORKING FOR ME AS A CONSUMER MUCHLESS, BE RESPONSIBLE TO HOLD MY FINANCIAL RECORDS AND HISTORY ACCORDING TO HOW THEY FEEL LIKE IT.. I NEED MY CREDIT SCORES CHECKED WITH ALL 3 COMPANIES. I HAVE PAID OFF SOME BILLS, HOWEVER THEY LOWERED MY SCORE BACK TO THE SAME AS IT WAS WHEN I STARTED. I BELIEVE MONITORING BETWEEN THE THREE, AND MY DISPUTES MAY HAVE ENTERED INCORRECTLY, NO MATTER HOW THOROUGHLY I EXPLAINED IT. IT LOOKS AS THOUGH I WAS PUNISHED BY DISPUTING DEBT AMOUNTS.
Product: Checking or savings account

I have had an open and active Square account since last year. Upon getting the account I had to send in to t hem all of the required documentation to open the business account. Since XXXX Square has placed a hold each time I have had a client or customer to make a payment via the device terminal I purchased through them. They continue to ask me the same questions that I have already answered before and they put holds on my deposits. I was asked on yesterday about manual transactions which none of them were manual the clients used the terminal to swipe their cards. I am not understanding why they keep doing this. I have noticed they have over XXXX reviews since last month of them doing this other account holders and holding their funds for 90 days for no reason.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX  Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Incorrect Name : - XXXX XXXXXXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - JOB Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Payday loan

I noticed a deposit on my bank account for {$500.00} from Radiant XXXX that I did not apply for.
Product: Credit reporting or other personal consumer reports

I have already contacted Nelnet. They say that in XX/XX/2023, the government put in " suppression '' so they can not update credit reports at all. My transfer of the entire balance to XXXX took place in XX/XX/2023. Nelnet says to file a complaint with StudentAid.gov. I did that today also. Nelnet says it is impossible for them to update the 3 credit reporting agencies that my balance is XXXX. XXXX Nelnet shows a balance of XXXX. It is affecting my credit rating. My credit reports all show that I owe Nelnet this amount of money, when in fact I do not. I have worked in public service for 10 years and much of my student loans held by XXXX has been forgiven. I only owe XXXX XXXX. I owe Nelnet XXXX.
Product: Bank account or service

On XXXX XXXX there were, multiple unauthorized charges on my Citi Debit Card. Citi blocked my card and refunded me the transactions ( worth of {$700.00} ). Three weeks later, the same transactions show up in my account saying " other '' under description. I call Citi, they say the case was not in my favor. I ask what " case '', I was supposed to have XXXX liability for unauthorized transactions, not was I ever contacted in regards to the transactions. I am given a fax number - and it took over an hour on the phone - saying I should prove I have n't authorized the transactions. I check online, the original fraudulent transactions are completely deleted from the account, I just have Citi 's recent withdrawal of the same amount under " other '', with no merchant detail or information. Today I went to a branch to fix this. After one and a half hour, no resolution. It took that long for the manager to even find the original transactions since they have been deleted from the account. They all happened on XXXX XXXX - I have proof of a phone call with Citi as well as the issuance of a new card. Citi says XXXX of the transactions actually happened on the XXXX ( by which my card had to been blocked ), and that they are re-investigating, however they ca n't refund me the money. I was told it was an online transaction and I should check in with the merchant - that would have been useful if they had told me to do that XXXX XXXX, when the transaction happened, not now, 3 weeks later, when the order must have been fulfilled. it 's not my job to police fraudulent uses of my card, it 's Citi 's - they are supposed to have my back. Have they contact the merchant? I will never know because not XXXX single detailed of the so-called case has been shared with me - nor was I notified by Citi withdrawing that money. This is no OK. The bank ca n't just delete transactions, take money out of my account - all without notice or approvals. Now I am still missing {$700.00} worth of unauthorized charges and Citi says they are looking into it. How can I trust them with my money? This could happen tomorrow and they would be like " sorry, we do n't believe you ''. How can I prove I had n't authorized online charges, three weeks later, with no merchant data or warning / details form the bank as to what they have found? I understand they have to find a way to make a difference between unauthorized charges and disputed ones, but as a customer, I need to know they have my back. Even the manager was confused as to why the transactions disappeared from my account, or the multiple misleading informations regarding the transactions ( I was told it was done XXXX XXXX, then XXXX XXXX when in fact I had found it XXXX XXXX. the only proof I have is the text message from Citi warning me of a fraudulent transaction that they later did not own up to ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice a 30 day late on my sheffield financial corp account which I never been late on and did a dispute this error 3 times and the 1st time It was remove and and then later maybe a few days after it was place back on my credit report 30 days late and pushed back to XXXX showing late but clearly was paid! please remove this item off my credit report because its violates the fair credit reporting act.
Product: Debt collection

Looking over my credit report and noticed there were some accounts the do not belong to me and I need them deleted immediately. These accounts are holding up my process in buying a new home and need the accounts removed. Accounts are listed below : XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, ENHANCED RECOVERY COMPAN # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complain for you to know that the XXXX credit bureaus never update me to give me a feedbacks of my report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity. Be sure to present facts that these items being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. These mentioned items should be remove immediately : XXXX XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX, XXXX, XXXX ; XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I am not liable for this debt with pro collect, I do not have a contract with the collection agency. They did not provide me with the contract as I requested.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 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
Product: Credit reporting or other personal consumer reports

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Transunion any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter.

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX FRC/TBOM Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently moved to my new address. My capital card was expired and I did not receive the new one for a long while. My payments were apparently going to the old account. Until I called the company and they resent me a new card to my new address. 
Unfortunately this mistake caused me a late payment on my report and ruined my score big time. Although as soon as I found out about the mistake, i paid my portion immediately and every time ever since the payment was paid on time, my account has not been cleared and the late charge is still on my credit report. This has caused me lots of problems as far as getting loan for my car and be eligible to get good rate on home loans.
Product: Debt collection

This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifax 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : 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 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
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> Navy Federal denied my application for a personal extension of credit. I applied for a personal loan of {$45000.00} using my credit card pursuant to 15 USC 1602 ( l ). Navy Federal has repeatedly denied me from being able to exercise my right as a consumer to extend credit which is an adverse action against me. No where under the laws governing adverse action does it say a consumer can be denied an extension of credit. In the letters that Navy Federal sent me after denying my application, their reason is because I caused NAVY FEDERAL A LOSS which is impossible because the United States is obligated to pay for any and all extensions of credit pursuant to 18 USC 8 and 12 USC 411.

I am the creditor pursuant to 15 USC 1602 ( g ), who originated and extended credit pursuant to 15 USC 1602 ( f ). 

I can not be denied my right to extend/originate credit. It is a criminal offense and violation of federally protected consumer laws. 

Navy Federal has discriminated against me and deprived me of my right to exercise my consumer rights violating 18 USC 242. Navy Federal is also interfering with my right to enjoy the benefit and privilege of the Law violating 18 USC 245 ( b ) ( 1 ) ( B )
Product: Debt collection

On XX/XX/year> the collection company called XXXX ( Lyons , Doughty & Veldhuis P.C/XXXX  ) Who are located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX sent me a fake letter trying to take me to court with no judge signature or no court date on here at all. Also, they used an existing court case number that has an existing case for other people who were not myself. This is unprofessional and is making my life hard. They are falsifying fake court summons to collect a debt.