23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

From the probate cases starting in XX/XX/XXXX, the loan has been sold four ( 4 ) times to other loan servicing/Lending companies. Throughout each sale of the note I've been fighting to not only stop foreclosures but have not even be acknowledged by the lenders as the Owner of the property which I was granted through a Affidavit of Heirship. 

From the Probate Hearing as far back as XXXX, XXXX XXXX XXXX represented each Lender and failed to maintain commitments at court discussions allowing me the Owner to conduct the business of the mortgage, including collecting payoff quotes, establishing payments and disputing charges. 

Approximately, in XXXX of XXXX the Substitute Trustee XXXX XXXX XXXX of XXXX XXXX  representing the current Lendere Planet Home Lending , LLC received an offer from my lawyer XXXX XXXX at a reduced amount from the payoff. Mr. XXXX as seen in the file named " Delayed Response '' did not respond to the offer. It was common practice to deliver responses so slow that when we received them such as in payoff quotes the quotes were expired. All of this activity was under the distress of threatened foreclosure. Prior to this date, I had Buyers lined up and my efforts were ignored. 

Within this struggle, approximately in XX/XX/XXXX, I empowered XXXX XXXX and XXXX XXXX, agent in the amount of {$2000.00} ( proof of payment available upon request ) to file a Qualified Written Request on my behalf with the intent to stop the foreclosure, bring the loan current and sell the property. As you see, by the file attached named " LOI & QWR ''. These individuals did not engage with any result. In fact, I can not validate that they even sent the third party authorization form to the Lender. 

As of this afternoon, when I tried to reach my point of contact at Planet Home Lending , LLC " XXXX '' in the loss mitigation department. I was informed that I am not authorized to receive information on behalf of the Borrower, my deceased Uncle. Please see the attached file named " Special Warranty Deed '' which identifies me as the rightful property owner which was also prepared by XXXX XXXX XXXX dated in XXXX. 

All-in-all, every time I get close being recognized as an authorized party to the Loan, it gets sold to another Lender who then starts the foreclosure process all over again. I have spent over {$10000.00} in legal fees and other costs just to get recognized as the rightful Owner and the authorized person to pay the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS Violated MY 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages all violations to XXXX XXXX compliance i Demsnd : - Original Contract - Creditor info - Payment History - Requesting for documentation that gives me the options to opt out to a non affiliated third party prior to them reporting it 15 USC 6802
Product: Credit card

I signed up for the Capital One XXXX rewards card with the intention of using this card for its travel benefits. Knowing I would be able to spend the {$3000.00} in the first three months required to obtain a XXXX mile reward, I applied and was accepted. I applied for the card and was accepted the beginning of XXXX 2015, and was given a 7 - 10 day estimate to when my new card would be delivered. It never came, I called it in XXXX XXXX, 2015 when it had not arrived after 14 days and was told they were sorry that the card was actually never shipped to begin with. They promised to expedite ship my card to me then, and that it would be at my address within 3 days time. It was not. I called again, this new representative looked at her system and stated that the card I was supposed to have expedited to me was also not ever in the mail. The previous rep had just taken down notes but never began the process of issuing a card to me. By this time, it is now a week into XXXX 2015. I finally get my card in the mail two weeks into XXXX, and call in to ask what can be done about the fact that I was supposed to have three months to spend {$3000.00}, but I will of had the card for only a month and a half. I was told to use the card as normal and that I would get a call back before the time period was up to discuss it further. XXXX XXXX XXXX XXXX had told me that shw would take care of it, and that I should n't worry. I would be treated fairly. I proceeded to use the card, and called in when my time was running near, this is at end of XXXX. 

The rep that answered says that XXXX is not available but that she would have her give me a call back. She did n't. I call again after another week of no response. Only to have someone tell me that I could possibly get an extention on the time frame needed for the rewards bonus. But that I would need to wait for a response from her as she was supposedly a manager and this particular rep did not have that kidn of authority. I NEVER GET A CALL. I am just told " you should get a call withing 7 -- 10 days from someone to help resolve this issue, we apologize for any inconvenience ''. I wait, and wait. Then wait some more. Nothing - for months. How can one make progress when the customer is the only XXXX showing initiative to reach out to resolve an issue, and the issuer does not even comply to their own statement of giving a simple call back? 

Enough was enough, I called XXXX last time, and was told that there is no record of anyone talking my calls and that they are sorry that there was nothing they can do from then on. I recorded times, dates, and employee numbers during this time. Yes, there is a record of calls made. the contract I signed when I was accepted for the card says THREE MONTHS to spend {$3000.00}, and I was given only HALF the time. Not once, did I ever receive a call that was promised to me. Not even once. 

Also, the automatic payments continues to charge my old bank account to pay off balances, even when I have deleted my old bank and inserted my new bank information. Glitchy webpages have made my old account overdraft by using the wrong source of payment.
Product: Debt collection

I'm unaware of this debit, I never had the opportunity to dispute this debt. I was never given the proper time too address or assest this debt. If infact you belive you gave me the right notification, please send me a copy of the certified letter with my Signature.
Product: Debt collection

Dispute were file and certified mail.  XXXX    XXXX   updated and corrected there files.  XXXX  has not investigated or updated there files. This is unfair credit reporting, information that 's not accurate or true. Information reported by  Optimum outc omes for the amount of  XXXX  on  XXXX ,   XXXX   for  XXXX   XXXX    XXXX   XXXX  . Information from  XXXX    XXXX   on  XXXX   XXXX  for  XXXX    XXXX   XXXX   XXXX  .
Product: Debt collection

On XXXX XXXX I had a NSF check with the XXXX XXXX Co Op. I have been a member for almost 15 years and assumed that it would be resubmitted to my bank account a XXXX time, as is industry practice. I waited patiently to hear back from the Co Op if there was a problem, had the money in my account and even addressed this with my Credit Union. They admitted that the Co Op is a pain. As of 3 days ago I found out that I was on bad check list in view of all the employees who work at the check stand. At no time did anyone inform me of the protocol or policy put in place nor has it been posted for any of the members to see. I was told that the sticker, Global Payment provided, placed on the check registers was sufficient. I informed the Co Op CEO that I need glasses and for the most part people do not look at the Cash Register going through line their focus is the groceries, Checker, and paying for the goods. I also informed her using that location to educate members was inappropriate and it should be posted in view at the Customer Service desk or on the Bulletin Board where they are asking for Customer/member feedback. At no time was I ever informed in writing or in person of my rights and timelines to remedy the situation. XXXX XXXX, CEO, informed that the check was sent XXXX XXXX to Global Payments. Global Payments informed me today that they received it XXXX XXXX and sent a letter out that day, which I have not received yet, and on XXXX XXXX they ran my check through the account again which bounced again since we do not have overdraft. I had the monies there for over a month and a half. I let the CEO know that they made the process more difficult because if I had known what the policy was I would have been there the next day to remedy the situation and actually offered to pay for the check. I want to know where my rights are so situations like this can be prevented in the future. I will be attending a Board meeting to let the Co Op know that they are member organization and part of the mission statement is to educate their members and to include them in their policy decisions. I take responsibility for reasonable fees but I feel the XXXX XXXX Co Op was negligent in informing me on a timely basis of the problem, in fact, sitting on it for six weeks, and denied me the ability to remedy the check within a reasonable timeframe and then escalated the situation. What are the laws regulating Check Collection agencies? Should I have received a letter giving me a chance to remedy the situation directly sooner? What authority has a XXXX XXXX XXXX to resubmit a NSF check?
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$22000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX REFUSES TO VALIDATE THE ERRONEOUS DEBT BEING REPORTED BY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IN. XXXX.
Product: Vehicle loan or lease

I dropped my car off to Plaza Kia located at XXXX XXXX XXXX XXXX NY ( XXXX ) XXXX on XX/XX/2023, at XXXX. I contacted them on XX/XX/2023 to see what the issue was with my vehicle, and they stated I needed a new transmission in which they would need to put in a code through Kia internal system to receive approval to fix my vehicle at no cost to me. I've been calling the service department weekly since my car was dropped off. They are telling me the system is down and they could not provide me with a date it will be fixed. I'm paying car notes for a car I do not have in my possession, and they are unwilling to provide me with a loaner car until my car is fixed. Please help me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dept of ED has been on my credit for years. Ive told them countless times I am not the owner of this account and they continue to show on my credit please help withthe removal of this account
Product: Student loan

Since XX/XX/2016 I have been in foreberance and numerous times have filled out paperwork to get my payment lowered to $ XXXX/month. I am the sole income earner, my spouse is on XXXX. Im sorry, they keep telling me the lowest payment was going to be over {$300.00} a month. I make $ XXXX/hr and after all of my bills {$200.00} is pushing the max. I dont understand why they will not accept if I commit to {$150.00} a month and make it every month. I wish they would accept what I can pay each month. Why make things so difficult and stressful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report false information on my report. 
XXXX account is fraud. 
I am a victim of identity theft with various discrepancies on my credit. XXXX and XXXX  have removed the accounts in question. I have supplied my FTC report from last year with the account in question listed on the form. Yet they fail to remove this fraudulent account from my report. I am demanding immediate removal of this false information at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX hard inquiries on TransUnion that were not made by me. These companies and dates are listed below. I have not taken action yet with the companies. 

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: Checking or savings account

Citizens Bank recently changed there online banking site. 
Since that time when I log into my small business account, everything comes up normal. 
I can see my account balances and debit card payments " BUT '' when I click onto pay bills a pop up appears saying lets get you started so clicked on it and verified that everything is ok then I click on pay bills the same message pops up over and over again. I physically went to a branch office in XXXX MA. The woman did all she could to try and resolve the matter, but she could not get any results. It has been over six weeks and no one has gotten back to me to try and resolve the problem. I have not been able to pay my bills on line and Most important I can not accesses past history or even look up the list of my customers or creditors. I cant even change banks because all my information can not be pulled up.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the unresolved fraudulent items on my account despite multiple attempts to rectify the situation. Despite my persistent efforts and cooperation, the fraudulent charges remain unaddressed, causing undue stress and financial strain. 

This complaint serves as my fourth attempt to seek redressal for the persistent issue of unresolved fraudulent items on my account. I expect immediate attention and a comprehensive resolution to rectify the fraudulent charges without further delay. 

The continued presence of fraudulent charges on my account not only jeopardizes my financial security but also erodes my trust in your organization 's ability to safeguard customer accounts and address fraudulent activity effectively. 

In light of the above, I request the following actions to be taken promptly : Conduct a thorough investigation into the fraudulent charges and their origins. 
Immediately remove the unauthorized charges from my account and reverse any associated fees or penalties. 
Provide a detailed explanation for the delays in resolving the fraudulent activity. 
Implement additional security measures to prevent future occurrences of fraudulent charges. 
I emphasize the urgency of resolving this matter promptly to restore my confidence in your organization and ensure the security of my account. With this, I am asking for your assistance to remove these fraud items in my credit file 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 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 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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

This is my 3rd attempt at resolution with Chase Bank. PLEASE DO NOT MARK THIS A DUPLICATE! Its not a duplicate, it is a response to the lies in Chase banks response! 
I have never heard of XXXX XXXX nor is she my attorney. I could not find her to reach this illusive response letter they sent out. From what I can tell WE THE PEOPLE are preyed upon by large corporations like Chase, XXXX XXXX, and the 3 credit bureaus who have this unlimited power over our lives and they have no regard for who they trample over. Who they destroy! Im living in sheer XXXX, my identity was stolen thanks to the XXXX data breach and did I get compensated or relief NO! In fact all 3 agencies have refused to delete the fraudulent accounts just like Chase bank refusing to refund OBVIOUS FRAUD!!! I have been financially devastated and its difficult for me to get up every day and continue to fight this. My credit has been destroyed and I cant get an apartment or a car! This is absolutely an unjust system. The banks get bailed out but not us!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report.

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This account is being reported as charged off with a balance still due, which isnt accurate. Its really frustrating to see this, and Id appreciate it if you could provide proof of the charge-off. Please either update the balance to {$0.00} or remove the negative payment status, as its affecting my credit. 

Account XXXX : XXXX Account XXXX : XXXX Reason : The 60 days past due status is incorrect, as the balance is {$0.00}. This error is causing stress, and I kindly ask for it to be corrected. Your help is greatly appreciated. 

Account XXXX : XXXX Account XXXX : XXXX Reason : I dispute the missed and late payments on this account, as they dont seem accurate. Its really frustrating and stressful to see this, and I kindly ask for statements and records of all payments made and missed since I opened this account. Your help in clearing this up would mean a lot. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is being reported as charged off with a balance still due, which isnt accurate. Its really frustrating to see this, and Id appreciate it if you could provide proof of the charge-off. Please either update the balance to {$0.00} or remove the negative payment status, as its affecting my credit. 


Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : I dispute the missed and late payments on this account, as they dont seem accurate. Its really frustrating and stressful to see this, and I kindly ask for statements and records of all payments made and missed since I opened this account. Your help in clearing this up would mean a lot. 

Account XXXX : XXXX Account XXXX : XXXX Reason : I dispute the missed and late payments on this account, as they dont seem accurate. Its really frustrating and stressful to see this, and I kindly ask for statements and records of all payments made and missed since I opened this account. Your help in clearing this up would mean a lot. 

INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These items are either reported incorrectly or have already been resolved, and I request a thorough investigation and correction. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and support my claim. Please look into this matter as soon as possible and update my credit report with accurate information.
Product: Debt collection

Called gurstel law firm in XXXX to report garnishment was taken on my mothers checking account who is on XXXX. She is on a fixed income and they took over $ XXXX out of her only income I called again in XXXX and XXXX no resolution except the garnishment was disputed. 

Called in XXXX and they said there is still a balance and they can not do anything about the fact she is on XXXX
Product: Credit reporting or other personal consumer reports

Experian, Please see below and attached - you need to remove myself as authorized user on the XXXX XXXX XXXX showing on my credit report - I have requested that and XXXX XXXX  has agreed. 

Please remove me as authorized user as soon as possible as this is damaging my credit. 

Attached to this are : - written complaint - drivers license, social security card, address - letter from XXXX XXXX  to remove me as authorized user. 

Please handle this as soon as possible.
Product: Credit reporting or other personal consumer reports

There are XXXX XXXX accounts reporting on my Experian Credit Report : XXXX that has a balance of {$400.00} and the other account has a balance of {$75.00}. These are not my accounts can you please assist in getting them removed. I don't know where they came from. It may have been a mistake on the creditors end but all in all, please remove them.