23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Around late XXXX to XX/XX/2020. We started to apply for a home loan for a SALE BY OWNER ( FSBO ) Property. We were given the priority by seller to purchase this home up front. We initiated the process with American Pacific Mortgage, turned in all documents necessary, started escrow, started and paid for inspections, paid for septic clean up, etc Everything came downhill when the property was inspected, the report came back saying it had a 2nd home on the property, and simply right off the back was not considered a single dwelling. The company failed to package the loan properly and therefore failed to investigate the status of this property, after we asked for a second opinion, hoping to get another home loan elsewhere, our second loan officer told us that the verbiage used to describe this home was incorrect. It should have been a single dwelling with an accessory. 
All along this property qualified under the title of a single dwelling, that small house shouldnt have been an issue. 

The issue then became the down payment. They wanted us to shell out 20 % when ultimately the buyer that bought the home after us put down the minimum 3.5 % down. The excuse was that the property had 2 houses & was not considered a single dwelling BUT our second loan person told us THOSE FINDINGS were an error. This is our problem .... WHY did this company give the " proper '' loan to the current owner of the property in question with ONLY 3.5 % down?

Did they give him priority to purchase said property because he was a current customer of theirs already and was in the position to get more loans with them in the future? ( it was his second loan w/ them, and he planned to refi with them and possibly go for a 3rd home loan ). Wouldnt this behavior be considered questionable if we were as qualified as much as the current owner was? Why him and not us? We where already the chosen buyers to acquire this property, by seller, other buyer came after our loan crumbled with American Mortgage. Given the facts we know this transaction has more of a fraudulent tone than just an error this deserves an explanation of what REALLY transpired American Mortgage can only answer to this.
Product: Student loan

I fell behind on my student loans due a sudden and unavoidable debt resulting from vehicle repair in XXXX 2015. As a result I fell behind on my loans by 90 days. Up until this point I was paying on-time every single month $ XXXX/month. I began communication with Navient about this and they provided me with little assistance. They told me that the payments must be made. They would not grant me a hardship forbearance, nor would they let me lower my loan payments at all. Now, as a result of this situation they have begun reporting negatively against my credit and also raised my monthly payment on my loans to over $ XXXX/month. I make $ XXXX/year. How can they expect me to make a payment of $ XXXX/month and still support myself? I need to get to work, eat and pay for gas. I could never afford rent or a mortgage with this kind of monthly payment. I have called them nearly a dozen times about this and they will absolutely not work with me in any way. I just do n't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Incorrect mortgage 90-day late reporting XX/XX/XXXX on my credit reports which in forbearance I have a forbearance agreement dated XX/XX/XXXX for my XXXX XXXX XXXX  # XXXX. 

It confirms my forbearance arrangement was from XX/XX/XXXX to XX/XX/XXXX and it states I am eligible to extend for up to 250 days. 

XXXX now is my servicer and they are reporting my mortgage since inception XX/XX/XXXX correctly so having XXXX report as another mortgage during these same dates makes it look as if I had two instead of one mortgage, in error.
Product: Debt collection

Using the information provided by XXXX XXXX XXXX I was able to determine the following : -I purchased an item ( a porch chair ) on XXXX from a seller who, unbeknownst to me, ordered the item from Wayfair in my name. 

I paid the XXXX seller via the XXXX payment process -The item was shipped to me. Unbeknownst to me, the item was shipped to me by Wayfair. 

-The XXXX seller tried to convince Wayfair that the item was damaged. The XXXX seller did not pay Wayfair for the item. 

-I was a good-faith purchaser of the item. 

-I communicated my findings to XXXX XXXX XXXX in writing multiple times. 

-I offered to assist XXXX XXXX XXXX in any way I can so that they can pursue the XXXX seller. 

-XXXX XXXX XXXX has ignored all information I provided to them. They continue to demand payment from me, the good-faith purchaser.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered an account that does not belong to me and is a result of identity theft. This fraudulent account has already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the company associated with this account via phone call, and they have confirmed that the account was fraudulent and have removed it from their records. Despite this, the account remains on my credit report with your bureau. The presence of this fraudulent account negatively impacts my credit history and could have serious consequences for my financial future. I request that you promptly investigate this matter and remove the fraudulent account from my credit report. 

XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several attempts have been made by myself and my attorney to have a bill paid by the correct party concerning a XXXX. claim, but no solution or correction has been made. XXXX XXXX XXXX XXXX : CP # XXXX names XXXX XXXX, XXXX at XXXX XXXX XXXX. XXXX NJ XXXX attn : XXXX XXXX XXXX, XXXX. as the proper place the bill and collections belong to. This matter has been settled in NJ XXXX court. Letters dated XXXX XXXX, XX/XX/2018, XXXX XXXX and XXXX XXXX have been sent to above mentioned and ignored. Please have this removed from my credit report immediately and placed on the correct debtor. 

Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction.

2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. 

I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality.

With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX
Product: Debt collection

I went through this channel to dispute this account that is showing up on my report. I requested that they show me validation through the cfpb. Their response was, " If you believe that you do not owe this debt please send us a dispute with proof via mail to our XXXX XXXX XXXX XXXX, UT XXXX. '' If I put noticed that I don't owe the debt why should I have to show proof, there is no proof because I have no connections with this company. They put this charge as a collection on my report without proving that I owe this, but then they are asking me to claim my innocents. If there is proof that I owed this they should have just presented it to the cfpb and me in their decision that they just sent. If they can't validate they need to remove. I will exercise my federal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, XXXX charged off my car from being less than 30 days late. As per the Servicemembers Civil Relief Act ( SCRA ). I have attached my orders from my XXXX aboard XXXX XXXX XXXX. I sent them an email, as my ship internet connectivity did not work well once we were far out at sea. We could send an email, but doing much else was not feasible. I spoke with customer service and was sent the attached ledger, which does not make sense to me. I keep getting from the company to call them when I file a complaint with the credit bureau for over a year now. What has been placed on my credit reports are not correct and it should have not been placed for collection. Code 50, U.S.C 3952states that a vehicle can not be repossessed during a XXXX  XXXX XXXX time. I was on XXXX. It was not repossessed but they charged it off without being 30 days late. Also, when I called and spoke with the representative, he stated that they did not want the vehicle back but would instead require me to pay in full the amount that they say I owe. This is my last attempt before hiring an attorney to sue. The last uploaded file is the excerpt from the SCRA.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. 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. Please update the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

I have several payday loans on my credit reports that were applied for online. After several disputes some were removed from two of my credit reports. I did not apply for these loans at all and received no cash in hand. Around this time my bank account at XXXX and XXXX XXXX were also compromised. I am a XXXX year XXXX veteran and we are prohibited from these places. I have contacted each company but they insist they have proof of the loan. I have seen the documents and this is not my payroll signature on these documents. These are on my XXXX  account. I have disputed already in XX/XX/XXXX. 
I have no knowledge of t hese accounts//Accounts are fraudulent. 
XXXX XXXX XX/XX/XXXX {$310.00} Speedycash XX/XX/XXXX {$310.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$310.00} XXXX XXXX XXXX XX/XX/XXXX {$220.00}
Product: Checking or savings account

I never gave anyone any verbal, nonverbal written or unwritten Consent to share my information with anyone and I have requested a opt out numerous times and this company has failed to opt me out per the FCRA 15 USC 6892-6805, and The Privacy Act of 1974.
Product: Debt collection

I was contacted at work by XXXX with Premium Asset Services, a collection company. He demanded I make a payment within the XXXX or they would automatically garnish my next pay check. I explained I have a garnishment currently in effect with another company, XXXX insisted he could enforce 2 garnishments at the same time. Not true. He called my work phone a total of XXXX times within an hour. Then today My General Manager states in an email he was contacted by another XXXX XXXX XXXX, insisting that I contact him immediately. I know this is illegal and they can not harass me at work. XXXX
Product: Checking or savings account

On XXXX, XXXX mobile deposited a check payable to me from XXXX in the amount of {$4500.00} into my Truist checking account. I've been banking with Suntrust ( now Truist for a long time ). I have not overdrawn my account. 

On XXXX, I received an email saying a hold was placed on the funds for 7 days because the check is not payable upon presentation. I contacted Truist customer help and talked to a representative and a supervisor and they told me nothing could be done to release the hold before 7 days. No one there could explain why the hold is 7 days when they also told me the funds could be verified in XXXX hours. This is XXXX we are talking about, a firm with over XXXX XXXX dollars in assets under management. There should be no issue clearing this check sooner. All they have to do is verify the funds in XXXX days and manually release the hold. They said they can't do that. 

I explained to them that I'm retired and need this money to pay bills with by XXXX but was told there is nothing they can do for me. I guess I need to find another bank because they definitely don't give a XXXX about long term customers. I was never treated this way by Suntrust and I deposited large checks all the time.
Product: Credit reporting or other personal consumer reports

TransUnion has not responded satisfactorily to any of my request. TransUnion has violated my right to fair and accurate reporting pursuant to 15 USC 1681. TransUnion is in violation of 15 USC 1681i ( 6 ) ( b ) ( iii ), information requested was not provided in regard to the method used to verify the information being reported. TransUnion is in violation of 15 USC 1681a ( 3 ) ( e ) investigation relied solely on the furnisher and no personal interviews with anyone who may have first-hand knowledge of the transactions. TransUnion is in violation of 15 USC 168e ( b ) and did not use reasonable procedures to assure maximum accuracy of the information. TransUnion has not provided information obtained from furnisher verifiable proof of permission either verbal or written to report items on my consumer report pursuant to 15 USC 6802 and has violated my right to privacy. TransUnion has caused me financial and emotional hardships due to denial of credit that would be used for my personal, family and household purposes. TransUnion continues to ignore my request to correct these errors. TransUnion continues to provide inconsistent information on my report. TransUnion is in breach of a fiduciary responsibility to verify any and all information being reported and continues to slander my name which is published to the public
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report from XXXX is showing I have debt of a credit card that I owe to XXXX and a balance of {$7200.00} Opened on XX/XX/XXXX, with is fraud and also showing late payments. XXXX is reporting Merchants Adjustments showing I owe {$580.00} Opened on XX/XX/XXXX, which is fraud.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No : XXXX ) against them for similar violations. I request that the CFPB take action to insure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

XX/XX/XXXX through XX/XX/XXXX fraudulent activity was made
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing regarding my account with your institution, account number [ Your Account Number, if available ]. I am not disputing the information reported ; however, I kindly request clarification and confirmation of the following details for my records : The date of first delinquency for this account. 
The date of the last payment made toward this account. 
The date of charge-off for this account, if applicable. 
I appreciate your assistance in providing this information and look forward to your response. Please let me know if you require additional details from my side to fulfill this request. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am requesting that all accounts and inquiries listed below be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These entries are the result of the data breach, and I do not want them to negatively impact my credit file. 
Please find below the accounts that need to be blocked and deleted : Accounts : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$350.00} XXXX. XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$730.00} XXXX. XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$210.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$390.00} Inquiries : 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 XXXXXX/XX/XXXX
Product: Mortgage

I was in the Trial Payment Plan for a Flex Modification with Seterus when XXXX XXXX issued relief options due to Hurricanes Irma and Harvey. My property was effected by Irma. I contacted XXXX XXXX XXXX 's office at XXXX XXXX and was told that Flex Modifications were included under the relief options. When I contacted Seterus to begin the 2nd and 3rd payments, I was told I no longer was eligible for the Modification.
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 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, 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: Credit reporting, credit repair services, or other personal consumer reports

The fact that the law gives me protection as a consumer against false information being simply reported on my credit report has been disregarded by the credit bureaus. I would like to make one last request for analysis before I meet with my own legal counsel so that I may understand how to handle erroneous and unverified materials that are now being regarded as true. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the three credit bureaux to confirm these accounts ( A ). It is prohibited to reject these reporting accounts as unreliable information within the legally allowed time frame without providing any rationale. The following accounts are shown on my credit report as needing enquiry and adjustment because of erroneous reporting : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$6600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}