23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom it may concern : Please see attched documents from my attorney that states the incompetence, unethical practices, Omission of errors request of back dating legal documets. Sending documents to wrong address advised 3 to 5 times to recently after over a year they send a certificate of change. a month ago Not trustworthy Omission of error verbally to my attorney and I to continue to make mistakes. Employee goes MIA foe over a week to call and state they put hold on Sherriff Sale when in doubt my attorney advised. Approved signed legal modification to request to back date documents. Dismissal avoidance of my attorneys communication. Almost lost my home one day before sale for their attorney as well said all is on hold when in doubt was not from SLS communication broken Buyer Beware read the reviews.. Now a conversation was done by my attorney and employee who has given omission of error to correct to again do wrong in communication. The employee was required to contact my attorney when in doubt I did a conference call for him to hang up and state he called him did not. Trial Period done successfully. XXXX check sent back advised by employee we will update the numbers send a new updated modification agreement. I communicated with employee prior that you want a notarized approved modification and requested to back date on one form when notarized legally he said yes. Then he stated donot send any checks we will correct. Apologized to my attorney at time he is and was prior furious at their business ethics. To send a new application when in doubt approved modification made payments etc. They are trying to cover their erroneous behavior. XX/XX/XXXX again is my XXXX sale that needs to be put on hold by SLS again SLS has avoided my attorney to now action must be taken it is SLS responsiblility and they are accountable for their unethical practices. Received correct approved modification last month asked to back date.. made payments now I am to do a new application when in doubt it is extremely unethical. I requested all in writing they will not put anything in writing they know their omission have been acknowledged by SLS. Buyer beware..They have no concern of the borrower. In this pandemic XXXX over have passed on and they are now trying to take advantage of people for their benefit of loss which in doubt is not allowed and against all premises. The emplyee has gone MIA again he stated all was done and nothing was. They have called emotional distress at the same time apologize and continue to do unethical practices. Approved Modification never sent documents to send to be notarized in XXXX to ask to back date unethical than when in fact the internal office had no idea of dates then to send XXXX approval in XXXX correct modification. Nothing has been done correctly denied avoided and now apologizes hoping that will satisfy when in doubt continues to do unethical practices Buyer Beware. No missed payments as per Trial period
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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.

15 U.S.C 1681 c. ( 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: Student loan

I have been trying for XXXX to contact Edfinacial in regards to my student loans. I cant access my statement documents on my portal. I have called and nobody ever picks up the phone. The email channel doesnt work to get in contact with them either.
Product: Credit reporting or other personal consumer reports

XXXX and Transunion are neglecting my rights under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) they have not on numerous occasions ater being sent certified mail requested results of investigations into inacurate information on my credit report. XXXX has completed and removed all negative information that was not me. They will not give me any information and will only say that IT WAS VERIFIED AS ACCURATE, They are participation in willful non compliance. Legal steps will be made if this isn't rectified though this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nothing has happened yet, I just know I was a part of the data breach. I do n't know what 's going on or how this will effect my credit score.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that identifies as information thst resulted from alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in voilation of law because I am a victim of identity theft! Please delete the following accounts immediately : 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 
These accounts should not be furnished on my consumer report as they are in violation!!!! Under 15 U.S. Code 1681B- Permissible purposes of consumer reports ( a ) IN GENERAL 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN COSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT! It also violates 15 U.S. CODE 1681S-2 Responsibilities furnishers of to consumer reporting agencies. 
As a consumer I am demanding the deletion of the accounts listed above IMMEDIATELY!
Product: Debt collection

Debt collector actually owes me a refund. I have been repeatedly told since XX/XX/XXXX that they have refunded the money. Mailed to wrong address, returned to them, deposited to my account, mailed to my home. I have still NOT received the refund. Check was supposedly mailed from XXXX to XXXX, still have NOT received it. They refuse to supply a check number or verification of the payment.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2018 Mohela XXXX XXXX XXXX XXXX, XXXX XXXX Re : Account number XXXX XXXX XXXX Dear Mohela, I am responding to your contact about a debt you are attempting to collect and to request you provide validation the debt is legitimate. You contacted me several times by phone, and dinged my credit 27 times even after I already told you its already paid ; to stop calling me, and only communicate by mail.

Please stop all communication with me and with this address about this debt.

Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.

If you have notified the credit reporting agencies of this debt you must notify them promptly that I have disputed the validity of this debt.

I have previously notified you in writing within the 30-day period and requested you cease collection of the debt, or any disputed portion thereof, until you can verify the debt and provide me, by first class mail. However, you failed to identify chain of title simply sent a copy of a statement. I need the following materials in accordance with but not limited to : UCC 9-406 ( 810 ilcs 9-406 ), 735 ILCS 5/2-403,735 ILCS 5/2-606.

All documents, including electronic records or images, which bear my signature and which concern the debt being collected ; A ledger, account card, account statement copy, or similar record, whether paper or electronic, which reflects the date and amount of payments, credits, balances, and charges concerning the debt, including but not limited to interest, fees, charges or expenses incidental to the principal obligation which the creditor is expressly authorized to collect by the agreement creating the debt or permitted to collect by law ; The name and address of the original creditor, if different from the collecting creditor ; and Copies of any assignments that explain how you acquired title to this debt.

Information regarding any discharges/set offs.

Information regarding : what numbers you used to call me at XXXX, frequency, and the call logs. 

Thank you for your cooperation. Sincerely, XXXX XXXX
Product: Money transfers

On XXXX XXXX, requested a bank-to-bank transfer of {$2600.00} XXXX Dollars to a XXXX bank account in XXXX. {$2600.00} was deducted from my bank account on XXXX XXXX but only {$2400.00} was deposited into the recipient 's account on XXXX XXXX. Although I requested this to be a XXXX dollar to XXXX dollar transfer, Western Union insisted 'Government requires local currency to be sent '. Their investigation into this has provided no results in recovering the missing {$150.00}, stating the amount of local currency ( XXXX PLZ ) is what was sent and received by the bank. It is indicating a dramatic rate conversion issue, but this is not clear. I do not believe conversion was required and Western Union incorrectly processed to convert. However, if so required, how is it possible so much money is lost in a direct bank-to-bank transaction. I truly feel money has been stolen from me and hope you can assist me to recover. Thank you
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX  XXXX XXXX Balance Owed : {$2100.00} XXXX  XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$60.00} XXXX  XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXXXX/XX/year>
Product: Consumer Loan

THIS IS MY SECOND COMPLAINT AGAINST TOYOTA FINANCIAL. The response received on the first complaint DID NOT address the issue, and they are not taking responsibility. Because of this, they have placed my family in a HUGE financial bind. I am due with baby in three months and need this resolved before then so that my husband can get a job. I had/have attached a copy of the backup I have from TFS proving they are at fault. I have XXXX additional letters that are the same. They are stating they have no records of these. 

ORIGINAL POST : My husband and I had an auto loan with Toyota Financial Services since 2010. It has since been paid in full as of this year. Our credit history with them has been nothing less of perfection up until the last few months of the loan. There were several attempts on our end to make payments electronically as we had been for years. We received letters from Toyota Financial ( XXXX of them ) apologizing for not being able to process our payments, even though funds were available. Due to this technical issue, our account became delinquent and recorded at 90 days late. Toyota Financial was able to remove XXXX, but pointed us to the direction of their credit repair department ( whom you can not speak with and can only submit letters to ) Out of desperation, we wrote to them and apologized for the issue, though not being our fault at all, and requested they remove the negative information as my husband is unable to obtain a qualifying job position due to his credit report ( only negative info is from XXXX ) We have been dealing with this for over 3 months now with no resolve. Now, my family is dealing with the financial burdens of my husband being unable to secure a job due to this issue. We have a 17 month old daughter with another on the way expected in 4 months time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$9700.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} 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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX  XXXX Bankruptcy XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I senta copy of FTC report. Since it is a necessity by regulation 605b of the FCRAI 'm sending this Complaint to assist with laying out a lawful response. In theevent that you decide to not obstruct the accompanying things recorded beneathwhich are answering erroneously because of fraud, I will hand my archives overto my lawyer to begin a legitimate activity. It's my goal to not seek after anylegitimate activity so if it's not too much trouble, comply with the law. 
XXXX  XXXX Balance : {$95.00} XXXXl XXXX Balance : {$120.00} XXXX XXXX Bankruptcy XXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance : {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent letters regarding in accuracy and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute section 611 ( a is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted properly. I demand these accounts to be deleted immediately or I will file for litigation due to the XXXX  you calls me. My information was also impacted by the echo effect data breach and may have got into the hands of the wrong person.. 

I feel that these accounts are adversely affecting my credit report and cost me thousands of dollars in interest every year. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission and XXXX  XXXX XXXX  because to my knowledge. I do not recall any of these accounts. I need this problem fixed ASAP. I will not wait another 50 days to receive no response because clearly you all are ignoring me. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ). It is plainly stated that XXXX to investigate these accounts within 30 days gives a reason to immediately remove these items from my credit report has been 50 days so they should deleted prompt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXXXXXX ( OPENED XX/XX/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  XX/XX/XXXX ) # XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) HAS VIOIATED 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 acoount without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

THIS EFFECTING MY LIFE I BEEN KEEPING TRACK OF ALL MY CERTIFIED MAIL FOR TWO YEARS DOING EVERYTHING WITH NO ANSWERS FROM CREDIT BREAUES PLEASE HELP OR LOOK INTO THIS ALL MY RIGHTS ARE BEING VIOLATED FOR ALL THE MISREPORTING INFORMATION THANK YOU PLEASE.
Product: Debt collection

This complaint involves ( 2 ) companies, XXXX XXXX and their collection agency, Wakefield Associates. I have disputed this account with both originator ( XXXX XXXX and the assigned collection agency ( Wakefield ). Neither has responded. They are " verifying '' the collection account electronically via XXXX and not provided a comprehensive response. 

I am disputing the account because I never received notification of the debt. 

I have requested validation of the debt via the following : provide method of verification ( MOV ), detailed account statement with dates and corresponding medical codes. Additionally, provide TRUE VERIFICATION, what details were used to verify this account, who did they talk to, what signed documents do they have, and how are you all contacting/communicating ( XXXX  and Wakefield ) XXXX 

I mailed certified letters to both and confirmed that they have received both, but still no response. Tracking information is enclosed.
Product: Credit reporting or other personal consumer reports

This evening, I discovered unauthorized inquiries on my credit report, and Im at a loss as to why theyre there. I routinely check my credit report, but this time, there were unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the inquiries remained. I urgently request that the documents Ive submitted be thoroughly reviewed so that I can finally have peace of mind.
Product: Payday loan, title loan, personal loan, or advance loan

I accepted a line of credit for {$2500.00} and was approved by moneykey. This transpired on XX/XX/2023. I maxed out the {$2500.00} dollars, and have been making on time payments. My total amount owed is now {$2600.00}, and that total keeps raising, even though, I make on time payments. This seems like an impossible situation, and impossible to repay, when the company raises how much you owe, even though, you make payments both on time, and in full. This is the definition of predatory. Thank you.
Product: Credit reporting or other personal consumer reports

Equifax provided a copy of my credit report to multiple companies without my authorization : -XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX  -XXXX  Credit on XX/XX/XXXX As such , it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Product: Mortgage

I've been trying for almost a year to get my Lender Mr. Cooper to lower my payment by taking me out of the XXXX yr mortgage into a XXXX yr. 4 years ago I did a modification and was only given the option of changing from the XXXX to a XXXX or loose my house. My situation had improved just little so not having any other choice I did the XXXX yr. 
My payment went from XXXX to XXXX and I've struggled hard to keep up every since. When I bought the house my income showed all I qualified for was a payment of no more then XXXX, with the modification at a XXXX yr has set me up to fail. My house is all I have, I'm XXXX vet with a XXXX XXXX son and just need some relief from this extremely high mortgage please help. 

# XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX
Product: Debt collection

1. I contacted XXXX about a debt settlement for my Citibank debt 2. They told me XXXX to settle the debt over the phone. They told me as long as I pay by the XXXX it will be fine. 

3. I asked them to send a letter. As of today I have still not received the letter. 

4. In good faith I sent the check on the XXXX through my bank and it was postmarked on the XXXX. 

5. They called on the XXXX saying the check was late and that I owed {$500.00} to settle the debt. Additionally the man said I actually owed XXXX which was not discussed over the phone 6. I told them it is postmarked so according to law they received the check. He told this isn't Texas it's TN ( Even though we have a Federal Law that says otherwise he yelled at me and said I was too smart for my own good and that it was a law office and that they know what they are doing. 

7. I felt threatened and offended by the statement and he was continue to yell at me over the phone. 

8. After the phone call the check was cashed almost 10 minutes after. 

I feel like that they held check to intentionally give me bad information so I could pay more. Because this tactic cost me {$300.00} more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax60 days ago. I have not received as response yet and seems as if my disputes being ignored
Product: Debt collection

A company called Commonwealth XXXX called me and told me they were going to serve me court papers and place a lean on my vehicle. I explained I do n't have any debt and do n't owe anything. They hung up on me. I called back and asked them not to threaten me.
Product: Debt collection

According to Sec. XXXX correction of third party debt collector or credit bureau files in the debt collection laws National Credit Adjusters is in violation of this law on XX/XX/21 and XX/XX/21 they sent a letter stating that they didnt have sufficient time amount of time to research the disputed item. However, they continued to report monthly to XXXX, XXXX, And XXXX  according to the law if a third party debt collector states that there has not been sufficient time to complete the investigation the third party shall immediately change the item in the relevant file as requested by the individual. I have requested in several letters to National Credit Adjuster to provide sufficient proof of the alleged debt with a WET SIGNATURE and contract from the alleged creditor. They have not been able to provide this information to me the entire year. I have requested that these two alleged debts to be removed from all three bureaus immediately. I also searched the state of texas website to see if this company was licensed, bonded, and registered to collect in TexaS.