23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a XXXX  XXXX and represented an insured named XXXX XXXX, her lender is fay servicing https : //www.fayservicing.com. I recovered a check for this insured in the amount of {$35000.00}. The lender and I were both named payees of said check. The insured sent the check to the lender for their endorsement and they commandeered the check. Unbeknownst to me the homeowner was in foreclosure. Fay servicing cashed the check, without my permission, and then proceed to foreclose on said house. They kept all the proceeds and refuse to talk to me about it. I was a named payee on that check and am entitled to 20 % via my contract, I am also the reason it was ever issued in the first place. 

The insureds address is XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
Product: Debt collection

This company has harassed me with calls over the course of a year to collect a fraudulent {$16.00} debt to XXXX. The debt does n't exist. I just called XXXX to make sure. In XXXX the company, I discovered lawsuits against them for exactly this thing that I 'm complaining about -- fraudulent claims that they are calling to collect small debts owed to XXXX.
Product: Mortgage

Ocwen Loan Servicing, LLC refuses to allow me to represent my mother 's estate. I have letters of administration, but it will not give me any information about my XXXX  mother 's mortgage, or how to pay it. I have provided them with all of the documents they have requested, but they still refuse to deal with me.
Product: Debt collection

Please see FCRA consumer rights documents that public record for evidence of the claim that the said company broke my FCRA Consumer rights. 

My file would not download for some reason
Product: Credit reporting or other personal consumer reports

On XX/XX/year> The credit bureaus stated XXXX XXXX XXXX was properly investigated, but how is that possible when this accounts dates are inaccurate, the date last active is inaccurate and the date last reported is not accurate .This is ground for removal. They also violated my rights under 15 U.S.C. 1681 SECTION 604 A SECTION 2 The law clearly states a consumer reporting Agency can not furnish a account without my written instructions. I have not given this account written permission to furnish this account on my credit report. 
This account is currently closed and under investigation from XXXX XXXX XXXX and correcting all fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged onto credit karma to check my score and a random card from XXXX XXXX in Utah popped up on my account. I have never even been to Utah and I have no idea where or who this card belongs to. I filed a dispute but I am worried someone has stolen my identity.
Product: Credit reporting or other personal consumer reports

The fraudulent, inaccurate, and misleading information on my credit report persists unresolved despite my numerous efforts to address it. The presence of these items has severely impacted my life, causing me significant stress and XXXX It is crucial to emphasize that I did not authorize or consent to having this information associated with my name, as I have been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following accounts : XXXX XXXX XXXX Balance {$10.00} XXXX XXXXXXXX Balance {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to all XXXX, XXXX  and transunion about the XXXX XXXX XXXX credit card. This account does not belong to me and was opened fraudulently. I sent three letters to have this removed from my report, but they have not responded or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX    XXXX   I filed a dispute with Equifax because they were missing updated payment status on my   XXXX   XXXX   accts and my  XXXX   XXXX  account. Asked them to update this info correctly and fix my score accordingly. On  XXXX   XXXX    XXXX   I checked status and they removed all of my credit cards from my report completely and dropped my score by  XXXX  points. They also had my deceased mothers depts. added to my report which I requested they remove. Every month they are messing up my report and destroying my credit. I am constantly writing to them to fix this problem. I have been trying to rebuild my credit for a year now and have been doing well with all other agency 's except for them. I do n't know what else to do. When they do fix it, they add  XXXX  pts after they removed  XXXX  for same issue. They are hindering me from being able to get better cards with lower interest rates and from purchasing a new car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked on my credit report and seen inquiries I have not applied for. I contacted the credit bureau equifax and the other companys for the inaccurate information and still there has not been no inquiries removed from my report. I also have faxed over a photo of my iD, a cover letter on what has to be removed and my social security card and still there have not been no change. And I have highlighted to equifax that the FCRA ( fair credit report act ) states that anything thats unverified and unauthorized on my report should be removed. So I am requesting that these inquiries should be removed. XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXX. Thank you
Product: Student loan

Sallie Mae opened 7 accounts for XXXX AND XXXX XXXX where I'm listed as a cosigner. 
The borrower 's mother asked me to cosign for ONE loan. I talked to the borrower over the phone, she asked me some information and said she'll show me the application to sign, which she never did. 
The borrower 's income on the application is {$13000.00} and she got approved by Sallie Mae for a lot more than her annual income. 
False information about me includes my income, my address, my e-mail address ( it's hers ), my monthly mortgage, my citizenship status, my assets, my employer phone number, and in the last application my cell phone number, etc. 
She continued using my social security to obtain loans for herself and, later, for her sister making up information without my knowledge, permission or authorization. 
Sallie Mae is refusing to investigate the fraud, and take me out of the loans they approved without verifying the information. 
There's a lot of made up information about my self that Sallie Mae could've used as red flags to deny further loans.
Product: Credit reporting or other personal consumer reports

XX/XX/year>2024 Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for my XXXX account, Account Number XXXX. Despite multiple requests for correction ( letters dated ( XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least XXXX  days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. Despite multiple disputes, the erroneous reporting remains uncorrected. 
TILA Violations : The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, impacting my ability to maintain favorable financial terms. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements to prevent unfair penalties to consumers. In this case, the improper late payment notation suggests that timely statements were not provided as required. 
The following discrepancies were noted on my Equifax report and other major credit bureaus : XXXX : Reports a XXXX late payment in XXXX and a XXXX late payment in XXXX, despite consistent XXXX-XXXX payments prior. 
XXXX : Also shows a XXXX late payment in XXXX and a XXXX late in XXXX. 
Equifax : Reflects a XXXX late entry in XXXX and a XXXX late in XXXX. 
Nothing has changed despite XXXX previous disputes with Equifax and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notations from my Equifax credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly may result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies.

Thank you for your immediate attention to this matter. I trust that you will handle this issue with the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR THE PASSED COUPLE OF YEARS MY CREDIT KEEPS GETTING PULLED. I HAVE DONE SERVAL POLICE REPORTS ABOUT THIS ALREADY. I HAVE CALLED XXXX IN A COUPLE OF OCCASIONS. THE MONTH XX/XX/XXXX AND XX/XX/XXXX MY CREDIT KEEPS GETTING PULLED BY XXXX BOTH THE STORE AND THE CREDIT CARD. I WENT IN ONCE IN XX/XX/XXXX TO LOOK AT A BIKE. EVER SINCE THEN I KEEP GETTING MY CREDIT PULLED BY THEM EVERY NOW AND THEN. I HAVE FILED A POLICE REPORT ABOUT THIS ALREADY.
Product: Mortgage

Reiteration of the following legal right of due process under the Cares Act : Per the Presidents Memorandum, via the XXXX XXXX Guide Bulletin XXXX, Coronavirus Aid Relief, & Economic Security ( Cares ) Act FORBEARANCE : 1.Execute the months remaining of forbearance ; as depicted in your response here with the CFPB. More importantly, as it is disclosed under the Presidents Memorandum, XXXX XXXX Guide Bulletin XXXX, Coronavirus Aid Relief, & Economic Security ( Cares ) Act, CFPB posting - see attachments 2.Forbearance/Post Forbearance ( 12 months ) 3.Re-requesting Extended Forbearance ( 6 months ) 4.Borrower Eligibility - we qualify per continued Hardships/Covid-19, loan qualifies for XXXX XXXX Loan Forbearance Plan 5.Re-requesting complete forbearance time allotments per XXXX XXXX due to my ongoing hardship, full not partial arrearages onto the loan, lastly loan modification with an affordable modified monthly payment NOTE : Please be advised that I continuously have met all requirements ( qualifications : hardships/loan type, requests, are all referenced in my calls, emails sent to SPS ) including and not limited to communicating directly with my servicer Select Portfolio Servicing in accordance with the stipulations depicted in the attachments set forth by Congress and the President of the United States.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a fraudulent account named : XXXX showing on my credit report and its affecting me to buy a home
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or 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: Credit reporting or other personal consumer reports

SEE ATTACHED PROOF OF A LAWSUIT GOING ON, AND I HAVE ATTACHED MY REASONING XXXX, Experian, XXXX identity theft credit damage or inaccuracies recovery lawsuit investigation XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

see attachments I am making these complaint on my own behalf There is no third party involved This is not a mistake nor misrepresentation
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a camera and two lenses that I had listed on XXXX XXXX was sold through venmo to a XXXX user that I had chatted with on the website, and then the phone. 

I had documented proof that this person engaged in conversation with me with the intent to purchase my camera, and then arranged for his partner to come pick the camera up after he had sent me {$4500.00} through venmo to my personal venmo account. Within a couple of days of this deal, I found that the charges had been disputed and my venmo account was negative {$4500.00}. I showed evidence to venmo that this transaction was legitimate and they dismissed me as saying I was not protected and that I owe them the balance. It seems as though this person used a stolen credit card, and I am being hit with the responsibility that I feel should lie on these financial institutions who provide this service in such a manner that permits a widespread industry of scam with little to no security for those who use it. They are a massive Corporation and I am a single citizen attempting to use the service that they offer. The solution is not to tell users to be careful who they sell to. Because I did my diligence. I was not aware that venmo permitted unrestricted use where a person 's identity was not actually tied to an account and that they are free to just throw thousands of dollars on credit only to dispute it and change their account name entirely and somehow get away with it. Where is the security? How is a person allowed to use a credit card with a name not matched to their account? And furthermore, how is their account permitted to be used when not linked to a bank account of that same identity? Why is there little to no restrictions on financial transactions in place if all venmo is going to do is tell users too bad. All that accomplishes is venmo still gets their money, the scammer keeps his, and innocent people caught in the middle are left with severe debt that they do not owe. 

I have documents showing timestamps, chat logs, phone call logs, and proof that this person willingly sent me this money only to then dispute it and change their name on venmo. I've already sent all of this over to venmo and they said that it essentially wasn't relevant because I was not protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed Chapter XXXX bankruptcy, which including all of my accounts and XXXX XXXX. XXXX XXXX then sent that account to collections. My attorney sent them all the necessary paperwork. In XXXX I was unaware that they had put a lien on my house until I went to sell. Another motion was filed on XX/XX/XXXX including XXXX XXXX, again, they were added back to the original bankruptcy of XXXX. It was removed, from the title due to the evidence presented and my house was sold. I then received countless collections letters from a Collection Agency, which I sent to my attorney. I then disputed this online 3 times the credits bureaus with no change. 
On XX/XX/XXXX, I sent XXXX, Transunion, and XXXX certified mail, return receipt requested with all of the following, 1 ) my original bankruptcy, 2 ) the amendment to it, 3 ) a notarized copy of my DL and SS card to prove my identity, 4 ) a current copy of their current credit report, and 5 ) even proof of receipt of filing in court. They have since documented this on my credit bureau and the collections remained. Says creditor disputes this. All three are the same. My credit score has now dropped below 700.
Product: Credit card or prepaid card

I had a card with Chase that I was not using, and that had been carrying XXXX balance for some time. The card was linked to a ride sharing service, and I accidentally charged XXXX {$50.00} to the card. Having not realized I had made the charge, I was late in paying the bill. 

Though Chase obviously had my email and phone number, I never received an alert through either of these media informing me I had an overdue balance. Rather than sending a simple text message, email or making a call Chase charged ~ {$170.00} in late fees. Also, my credit report was seriously damaged over a very small debt ( {$50.00} ). 

While of course customers are responsible for charges incurred, the bank should make a reasonable effort to inform customers of overdue bills. Chase easily could have done that and failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not accurate and is only reporting on one of the credit agencies. according to 15 USC 1681 e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have reached out numerous of times since XX/XX/2022 and have yet to get this matter resolved.This inaccurate reporting has been a defamation of character and made me uncredit-worthy.
Product: Money transfer, virtual currency, or money service

XXXX Transaction XXXX XX/XX/2023 was sent to the wrong person for XXXX we tried to ask for the money back was never received, stated there is nothing that I can do. but loose the money
Product: Debt collection

I have sent various letter to walmart disputing an account found on my credit report. I have sent out various letters per pursuant to Fair Debt Credit collections reporting practices act. I have asked them to validate the debt and provide documentation. i have received no valid paperwork. In addition, the dispute status on my credit report was not added and when it was added it was not added in a timely manner per Fair debt collections practices act.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

the case is against Mariner finance in XXXX NC. I have a lien on my vehicle with them. the vehicle is not working and is dead and there is nothing i can do about it because it keeps breaking down etc. i purchased the vehicle from XXXX on XX/XX/XXXX at that time, i let the previous vehicle go back to the original finance company, XXXX  XXXX XXXX XXXX mariner finance also had a lien on the vehicle. i explained to them that XXXX XXXX would be contacting them to pay the balance off so that the title could be free and clear after santander auctioned the vehicle off. mariner insisted i still keep the loan with them. so after i purchased the new vehicle, mariner wanted to put a lien on that one as well and they did, and only offered me like {$200.00} to do so. which i didnt like and they would call me multiple times trying to get me to pay them money on the loan. im a very sick person with lots of health issues and im a XXXX veteran. i explained that to them, to one of their employees, who insisted i drive to their location to sign some paper work etc. i kept telling her i get sick a lot and cant do anythinig like that and because im on lots of medications daily. i want nothing more to do with this company
Product: Credit reporting or other personal consumer reports

Credit Bureau Dispute, Verification Procedure Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear Experian, Re : Account Name and Number RE : Formal Request for Verification Procedures FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] To Whom It May Concern : I received notice that you verified certain tradelines on my credit report from the following companies : XXXX XXXX & XXXX Account number XXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 

Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this tradeline be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? 

Supply your response within 15 days or delete the tradelines. 

Thank you for your time, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item asking you to verify as accurate. 
XXXX XXXXXXXX, address XXXXXXXX XXXX XXXX XXXX XXXX XXXX SD XXXX