23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The lender failed to provide the client and our office a detailed explanation of the reasons for loan modification denial in violation of Regulation X, 12 C.F.R. 1024.41 ( h ). 
Please cease and desist all foreclosure activity pending resolution of an appeal in accordance with Regulation X, 12 C.F.R. 1024.41 ( g ) .. The lender has stated that they denied the loan mod review due to incomplete package being received for review - The lender did not request a Letter of Explanation for XXXX income and did not send a missing letter document or a denial to the client. If they would have done there due diligence in the review of the file they would have found that XXXX is not employed so there were no pay stubs to provide.
Product: Mortgage

They allowed my Xhusband to remove me from the deed, but keep reporting to my credit. Then they keep letting him advance on that loan without my knowledge. It's destroyed my credit. Maxed out my debt to income ratio as well. I literally can never get it off because they allow him to keep pulling from the equity on a loan that doesn't just affect him. I have had to pay thousands and thousands of dollars in extra interest when I purchase things because of it. Not to mention what this is doing to my credit score and stopping my ability to advance in a career in the financial industry. I have worked in this field for 25 years and I have never heard of this happening to anyone else.
Product: Vehicle loan or lease

When I leased my vehicle I signed a contract for XXXX per year and at the end of my lease I was billed for XXXX per year so instead of owing XXXX XXXX I owed XXXX XXXX but my contract said I signed to pay for XXXX per year ... after looking over my contract I noticed that I have two copies one that says dealers copy and one that says leasees copy, none of the numbers match!!! I told the dealership this, they blew me off I told the titling company this and they said there was nothing they could do because they were just using the contract that XXXX XXXX XXXX had submitted to them. I showed my new dealership and they suggested I get a lawyer because the contract was messed up!! I never once missed a payment with them before and the lawyer that I had spoke to told me to try to negotiate with the company first. So even though the company had been XXXX XXXX, and very inconvenient over the phone and email, I decided it was best for me to drive there, even though its 2hours for me to get there ... I spoke with XXXX XXXX, and a guy named XXXX, and asked that someone from fianc would be available and if I would be able to see XXXX XXXX They both had said yes, and so at the start of COVID I drove out there to clear this up. The guy went in circles claiming the contract was clear as day but then claiming it make no sense that the numbers did not match on both copies, then told me I should not even have a copy of the dealers copy, I said why so I wouldnt know you were trying to get over on me?!? He then asked to have the copy and told me there wasnt anything I could do, I told him I wanted to speak to the XXXX he said he was the head of finance, and that he was sorry that I wasted my time driving out there. I told him I wasnt leaving until I talked to XXXX XXXX, and he said sorry he just left!! Then because of COVID my lawyer was not getting back to me! And I thought because of the pandemic it could have been postponed because I never once received a phone call or letter about the money after XXXX! Then when I called the titling company to make a payment I was told my account was closed. I thought maybe they had figured it out! Then I went to buy my house only to find they put it in as a charge off dropouts my credit over XXXX points!! This is ridiculous for me to be punished for their mistake, and I dont just have {$4.00} extra grand to pay a car company that filed paperwork wrong!! I had a credit score in the XXXX before and this disheartening especially in these times!
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 {$0.00}, {$2600.00}, {$0.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Mortgage

Since XXXX my income lowered, filed bankcrutcy and other hardships been trying to work with SPS to either modify loan or give me a short sale approval. Ive hired XXXX XXXX XXXX XXXX  in XXXX XXXX to help sell the home and they had multiple offers in the house and over 7 offers submitted to Lender. We have never stopped communicating with SPS and we have pages of notes from Realtor and costumer service reps. Sale date was postponed sevral times in order to get short sale approval and things got worse after XX/XX/XXXX when Covid hit. Buyer has diligently provided all forms needed and seller too, things were put on hold a little after XXXX but Realtor kept calling in XX/XX/XXXX the called was simple ( we have everything we need - only need updated XXXX and realtor gave phone number etc ) Realtor kept waiting on call from XXXX XXXX and never came in since there are very strict restrictions In CA there are steps we need to take to have a XXXX done. To keep it short in XXXX still waiting, XXXX still waiting and XXXX comes and last week XXXX we receive a call that investor closed the short sale and there will no chance to reopen and they will foreclose in XXXX even do the mratorium in CA is until XXXX we need help, the buyer is still interested and seller is willing to short sale. Lets close this please.
Product: Mortgage

My roof got damaged by wind. XXXX XXXX insurance issued a check to me to replace the roof. The check needs mortgage company MB Financial endorsement. I sent the check to them and MB Financial deposit check on XX/XX/2015. I submitted all required document to MB Financial XXXX/XXXX/2015. MB Financial still hold the check. Without their check I can not hire roof contractor to fix my roof. XXXX XXXX has already approved and paid the check. But the XXXX XXXX check is still holding by MB Financial for more than 6 weeks. 
I need MB Financial to send me the check as soon as possible to fix my damaged roof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending fifteen ( 15 ) dispute letters to the Credit Bureaus requesting that they update the disputed accounts reporting on my Credit file andyet they have done nothing! 
XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX I am appalled by the ability of the Credit Bureaus to do nothing despite all the previous letters I have been sending to them! This account was never late and should have never been reported as late! I have been keeping my own payment record and upon reviewing the information the Credit Bureaus have also been reporting, I came to a conclusion that the Bureaus are not keeping accurate information. I need the Credit Bureaus to correct this accounts information and update the late payments from this account! 
XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX This account has been paid and yet it continues reporting as late despite the status reflecting as paid and the balance as XXXX  How can a consumer accrue late payments if the account has already been paid? I previously requested that the Creit Bureaus provide me proof of the payment history and last payment and yet they sent me nothing! Its either the Credit Bureaus update and correct this account or they remove this erroneous account completely from my Credit Report!
Product: Debt collection

I have received dozens of calls from Transworld Systems Inc. It seems they are attempting to collect a medical debt for another XXXX XXXX who received medical procedures in XXXX  a few years back. I have never received medical attention anywhere in XXXX. The address they have on file for me appears to be an address I had in college around XXXX. I have asked for more information and also asked for communication to cease since they have the wrong person. Calls are frequently around XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to properly investigate/delete an account showing negatively on my credit report. I have sent letters dated all the way back to XX/XX/2017 asking for a lawful investigation of the XXXXXXXX XXXX account showing on my report. XXXXXXXX XXXX  has admitted to me via letter that they do not possess an application with my signature that would validate a debt. I have forwarded this letter to Experian. Also, XXXX ( an organization that mirrors Experian in account investigation processes ) has deleted this same account from my credit report due to inability to validate it in compliance with the FCRA. Experian & XXXX have both maintained to ignore their violation of federal law and fail in deleting this account which violates the FCRA.
Product: Debt collection

RE : Southwest Collections Account # XXXX Collecting for XXXX The account was opened on XX/XX/XXXX I have been trying quite some time to get validation on this alleged debt. The firm has placed a collection in the amount of {$1400.00} on my credit report. When I called I was informed that the amount was for equipment and for service. While I may have an amount due for services I do not owe for equipment. When I contacted Southwest about this I was informed that the documents they possessed stated that the debt was for both and therefore that is what they are collecting for. It was suggested that I might contact XXXX and get documentation showing that I returned the equipment. This is the 2nd collection company they have put on my credit report. 

I called XXXX on XX/XX/XXXX and requested that they investigate this account. 
I spoke with XXXX and was informed that it would take about a five days for them to find the records. 
I called back in XXXX to find that they still had not completed the investigation. 
On XX/XX/XXXX they stated the bill did not include equipment but the last bill from them dated XX/XX/XXXX stated a credit for XXXX and a bal owed of XXXX which was for equipment which I returned to the XXXX  office. They also have a new billing system that started in XXXX so they can't locate the equipment. 
Now I'm being told that I own XXXX and that amt has nothing to do with equipment but I have a bill that states I don't owe that amount. According to this bill I own them nothing. I have sent the attache bill to them on XX/XX/XXXX and have yet to get a response.
Product: Debt collection

XXXX XXXX bank is reporting a debt collection that I do not owe.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in my accountto be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/2022 Balance : {$15000.00} and XXXX XXXX XXXX Date Opened : XX/XX/2022 Balance : {$15000.00}
Product: Debt collection

Lease at XXXX XXXX XXXX XXXXXXXX at covid 19 starts XXXX  the leasing office have send a email to tenents ofering to mive out and they not going to charge for the remaining balance on the lease and i did move out from XXXX XXXXXXXX XXXX XXXXXXXX from XXXX XXXX so after years they add to a collection agency National credit sistem a XXXXXXXX XXXX balance. I have call and dispute but they are very disrespectful also have contact the property management and they said they can not do anything this is a fraudulent charges
Product: Debt collection

I have disputed this company which has 2 delinquent accounts on my credit report. 
This company claims I owe the city of XXXX for ambulance services. I have never been in an ambulance in XXXX, Texas or XXXX County. This information is inaccurate. I have asked repeatedly for proof to verify this debt with no response. They told me through the XXXX  that they could not release this information to a third party. This is my last step before I contact an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint comes forth as I am a victim of Identity Theft, despite my efforts to dispute the fraudulent accounts and send in all supporting documents. XXXX would not respond to my efforts, the accounts that are fraudulent are as follows : XXXX XXXX - XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to advise of an ongoing discrepancy on my 3 credit bureau reports ( XXXX, Equifax and XXXX ) caused by XXXX/ XXXX XXXXXXXX ( formerly known as XXXX XXXX ). They are currently reporting an account and  associated loans as a profit and loss write-off, with the current balances due. This account/loans were for Private Student Loans, which are unsecured loans and not federally funded. Their website indicates that the first payment was due on XX/XX/XXXX and no payments were ever received. As you are aware, there was no grace period on these private student loan. I have made multiple requests, over the past several years, for copies of any promissory notes and/or contracts bearing my handwritten signature, but none have been provided to date. Given these facts, I assert that XXXX/XXXX XXXX ( formerly XXXX XXXX ) is currently in violation of the FCRA as described below : Per FCRA 605.  Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

The 7-year +180 day period which is allowed under FCRA began on XX/XX/XXXX and has since expired on XX/XX/XXXX. Regardless of XXXX 's choice to officially charge off the account/loans at a later date, my protection under this rule should not change. I therefore requested that the account and all associated loans be deleted from my credit report with all three credit bureaus ( XXXX, Equifax and XXXX ) IMMEDIATELY, with written confirmation sent within 30 days. I also request that XXXX ( formerly known as XXXX XXXX ) and its assignees refrain from any and all collection activities including credit reporting at a later date. Failure to remove these accounts constitutes a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( CITI ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( Experian, XXXX, XXXX ) XXXX the person knows or has reasonable cause to believe that the information is inaccurate. XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my 1099-C? XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX terms and conditions they agreed not to share my information with non affiliates. Experian, XXXX, and XXXX are not an affiliate of XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Credit card

I've always made sure that payments on this account are made on time, never allowing them to become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXXXXXX Account 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
Product: Credit card or prepaid card

I was with discover for a few years and Ive always paid my card off in full every month. They cancelled my card out of nowhere. Ive called so many times like 10 trying to get answers with no response. Please help!
Product: Checking or savings account

I received an invoice on my spam saying the XXXX XXXX affiliated with Best Buy was going to charge me {$500.00}. I had XXXX hours to cancel. I called them and said I don't have an account with them. That's when he said I had an account in XXXX states and XXXX banks. He also said they would contact FTC on my behalf and generate a complaint ID numbers. I told them I wanted to contact them on my own. He said he could not forward the phone number and I was on my own and not to contact them complaining.