23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2018 my dwelling sustained damage that is currently questionable whether the dwelling is a total loss. My Fire department, my insurance company, my mortgage company are all issues due to the lack of information and an insurance company/adjuster who, in my opinion, has taken many actions that lack reason or truth. The biggest concern is violations in accessing my mortgage account, transactions done without my knowledge or consent, that have left the mortgage unpaid and serviced and the insurance adjuster unwilling to track the payments made that were never received by the mortgage company despite the check wire transfer deposited into a law firm trust account without the endorsement of the mortgage company , the public adjuster or myself. The original check paid toward the loss exceeded the amount owed. The original check was never made known to me by the adjuster of the insurance company and I was denied access to the funds or ability to pay the loss and has placed a burden upon myself that due to the belligerence of the insurance companies has resulted default on credit cards, multiple late charges and forcing me to pay a mortgage that should have been paid and attacks and illegal activity to myself and ability to handle my health issues, safety, security, credit, credit accounts, ability to pay bills. Furthermore, it has led to 3 wrongful attempts of " recovery '' to my property, 9 transactions to my mortgage account without my knowledge or consent that took considerable funds after paid, despite my asking for fraud alert, and lockdown of that account. It has also denied my ability to sell the property and I feel threatened and my rights denied and mortgage company has failed to recover my funds that were taken after a payoff request made.
Product: Debt collection

According to 15 USC 1692 ( C ) you have violated my rights, by unlawful communication please remove this collection off my credit report. This account is involved in litigation. I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens, 281 SW 715, 719 May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

A new agreement between the major credit bureaus and 31 state attorney generals states that tax lien and civil judgements that do not have names, date of birth, addresses, or social security number must be deleted from consumer credit file starting XX/XX/XXXX. TransUnion has a " Paid '' tax lien on my report that meets these standards. This Paid tax lien does not include my name, date of birth, address, nor social security number. XX/XX/XXXX I spoke to TransUnion representative Son. I requested over the phone that the tax lien be removed from my report because it does not meet the above standards. The representative stated that yes he believed it should have been removed before XX/XX/XXXX, but the system had not automatically done so. He placed the request to have the tax lien removed and stated that it could take up to two weeks. I asked why not immediately, since a month has already lapsed. He stated that was their policy. XX/XX/XXXX at about XXXX XXXX I called TransUnion to re-verify that removal of the tax lien was in there system and being process. TransUnion representative XXXX stated that no dispute was in the system for tax lien removal. He was apologetic and stated that he would place it in the system. I informed him to place the request in the system but that I was also going to send a written request to have it deleted. XX/XX/XXXX I called to re-verify request was in TransUnion system. TransUnion representative Al stated that the request was in the system and that the tax lien should be removed in about XX/XX/XXXX. I re-iterated to Al that it was illegal what TransUnion is doing because my tax lien meets the requirements to be remove /deleted off my credit report. Finally, I log into TransUnion online dispute to see if anything showed the status of any dispute and I could not see the status nor any details about the dispute. Instead the page stated, Request Submitted '' and " Request Failed ''. So, TransUnion has verbally acknowledge they have the dispute in their system, yet I can not view any information about the dispute online, which advertise that you should be able to see the status of any dispute online. Note : I keep putting into CFPB my correct date of birth is XX/XX/XXXX and the system keep changing it incorrectly to XX/XX/XXXX. CFPB there is some type of glitch in your system because 3 times I put DOB XX/XX/XXXX and your system changes it to XX/XX/XXXX. To whom ever reads this, my correct date of birth is XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has XXXX XXXX on my hard inquireys when it has been in lock down for 2 years. How is it possible to keep getting inquireys when my file has been. Locked for years. This happened on XXXX XXXX XXXX? I tried calling police but they don't think it is fruad because the company or person didn't steal anything but my credit score which is theft to me. They said if everybody wrote complaint about hard inquirey that the local police couldn't do anything else to help people that didn't loose points buy articles like a house. This happens every couple months to years. They have their customer service in XXXX and they aren't taught are laws but XXXX laws that are nothing like our laws when it has to do with FAIR CREDIT Reporting Acts? This can destroy Americans futures. These 3 credit bureaus should not be aloud to use XXXX laws ( XXXX not American XXXX. )
Product: Debt collection

Employee number XXXX ( XXXX, XXXX, XXXX, all same man ) has repeatedly called me and when I ask for verification he hangs up on me stating he is done with the call. I have asked to speak with the supervisors only to be given another name but the same gentleman. They tell me that there is only him Monday- Friday. No one else can assist me. Very rude and unethical communication. Ceist and disist is inorder for not following proper procedures.
Product: Debt collection

XXXX XXXX has called multiple times trying to collect on a debt that was paid and discharged from my credit report many years ago. I told them the debt was paid, but they insisted that there is a judgement against me for the debt. I told them to mail me the verification of the debt owed. They are trying to scam me out of money that was already paid.
Product: Credit reporting or other personal consumer reports

I am reaching out to challenge the inclusion of this bankruptcy on my credit report. The filed and reported dates, along with the closure dates, are not in sync. This situation is worrisome as I hold a court letter explicitly stating that this bankruptcy should not be reported. Moreover, the involvement of an unauthorized third party only adds to the absurdity.
Product: Checking or savings account

On XX/XX/year> around XXXX XXXX  I deposited XXXX XXXX ( XXXX XXXX bills ) 5/3 bank atm said there was fraudulent bills detected. Took the cash, returned my card and did not give a receipt. I was using a 5/3 atm to deposit into my XXXX checking account.. I filed a dispute with XXXX and they said there was no transaction record and to contact owner of atm.. I also filled a police report with XXXX Michigan police. I contacted 5/3 and they told me to dispute with XXXX. I informed them I did and they just said to dispute it with XXXX. They were like a broken record. I contact bank official with 5/3 was told pretty the same but he would look into it with no avail. 5/3 said there were errors with that atm.
Product: Credit card or prepaid card

I applied for a secured credit card in 2018. Received a credit card in the amount I put down. After the first year showing I can manage my credit well, I have received my funds back and was issued a normal credit card for use with the same credit limit when opened. Since, I have been using this card regularly and have paid it off many times. It's been over three years and I haven't received an increase in my credit line. The brochure said I will undergo many account reviews ; and depending on my credit card behavior, I will get an increase to help build up my credit profile. Nothing has taken place and I feel I was misleadXXXX XXXX  needs to understand that I opened this account before they discontinued their secured credit card. They have not lived up to their promise. Moreover, I refuse to ask for a credit line increase since asking means XXXX will have to run my credit. Again I was promised during my account reviews I would be eligible for increases based on my good credit card management.
Product: Checking or savings account

On XX/XX/XXXX I used my Coinbase Debit card to make a purchase from XXXX XXXX XXXX, and international merchant. The payment processor for XXXX, XXXX, stated they could not process the payment, however the payment came out. I contacted XXXX and they say it would be canceled and refunded within 10 days. The payment shows canceled but the funds did not return to my Coinbase balance. XXXX is saying Coinbase is responsible and Coinbase has not resolved the issue and is not responding to my communication.
Product: Student loan

In XXXX XXXX I reached out to Discover Student Loan asking for help repaying my student loan debt. Each time the response was the same, they can defer my payments for 3 months, which only temporary helps and causes my monthly payment to increase after the 3 months defer is over. I sent emails, called customer service and each time I get little or no help. I understand this debt is mine and I am not trying to avoid paying back my debt however I have stressed multi times the monthly payments are just not manageable! After researching student loan modification I stumbled across an article written back in XXXX stating Discover Financial Services is XXXX of XXXX lenders offering loan modification programs. something that was NOT offered to me! The article XXXX states Discover would not release details until XXXX however they plan to lower interest rates on distressed customers and may even come up with loan forgiveness programs for overwhelmed borrowers. I understand each situation is different and must be worked out based on borrowers individually to repay. I like many others are looking for a solution however many complaints show that borrowers sought to negotiate a modified repayment plan with little or no help - Why?? We are trying to repay but need help. Can you please help???
Product: Mortgage

Applied at Amerisave to re-finance my home on XX/XX/21. I put {$500.00} up front for being serious about doing it per their request. I guess history has repeated itself with them. I see they are known for pulling a Bait-And-Switch Mortgage Scheme. That's exactly what they did to me. At first the closing disclosure was one thing ( agreeable ). Then it kept changing way beyond belief! There is no communication whatsoever. I've really exhausted my effort with them. They are nothing but scam artists. I really want my money back. I've gotten nothing but the run around with them. This is the worst experience I've ever had doing this process. What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve inaccurate information from my credit report with Equifax for several months now. I have filed a dispute through their onl ine dispute site (   XXXX   XXXX   XXXX   # ) as well as sent a written notice with documentation to their dispute department. My dispute continues to be ignored. I filed a complaint with the CFPB and Equifax responded that my dispute was never submitted. Therefore, I attempted to file a dispute for the third time on their website and after I enter my information, I am getting an popup message stating my request can not be processed at this time. Both  XXXX  and  XXXX  have already updated the inaccurate information but Equifax continues to ignore my dispute. If I do not get a resolution from this matter within 30 d ay, I am involving an attorney in the matter.
Product: Student loan

Hello, I have been repaying my loans on a regular basis since 2004 ( I even made some payments prior to 2004 but have been continuous ). 
I have recently paid off the entire amount of $ XXXX, however, the total amount I have paid is almost twice the original amount and I would like the CFPB to look into my paiement and let me know if it is right for a government institution to make such profit from student loan repayments. 
Sallie Mae was the original loan servicer but they sold to Navient. 
I have all the files however I can not upload but can provide them to you once you call me or contact me directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX DATE ASSIGNED : XXXX, XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
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  and 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

First and foremost, I assert that my right to privacy is of utmost importance. This dispute letter serves as my enforcement of that right. Under 15 U.S. Code 1681 ( a ) ( 4 ), you bear the full responsibility to " exercise your significant duties with fairness, impartiality, and a respect for the consumers right to privacy. '' I am invoking this right as outlined by the code. Please ensure the following information is treated with the highest level of fairness, impartiality, and respect for my privacy.

In accordance with 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized this company to access my information. They are in clear violation of this law. I request that these accounts be removed from my credit report as they are damaging my reputation, character, creditworthiness, credit standing, credit capacity, and more. Given your obligation to protect my privacy, I require that this issue be addressed with the utmost urgency. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Checking or savings account

On XX/XX/year> a wire transfer was made out of my account to an individual I do not know to a bank Im not familiar with and I did not authorize. I tried to get information from E*trade customer service who would not put me through to a manager and told me my money would not be refunded, total of {$1500.00}. Said they would put in a request for manager to call - to this date almost 2 months later, no call. I did not authorize this transaction and E*Trade is further victimizing the victim. Their website states they refund unauthorized transactions, apparently they engage in false advertising as well. 
The only action theyve taken was to close that account and open another. 
Ive filed a complaint with XXXX  who informed me they contacted E*trade three times and received no response.
Product: Credit reporting or other personal consumer reports

Transunion has responded to my multiple attempts of getting a bankruptcy that does not belong to me removed from my credit report. Per the attachment it states verified. I provided a letter from the court for which stated they do not share information with credit bureaus and requested PROOF that the bankruptcy belongs to me. Transunion has failed to provide proof. I am requesting documentation including my signature, ID, etc., proving the bankruptcy belongs to me. This is the ONLY bureau reporting this information and it does not belong to me.
Product: Mortgage

In XXXX of XXXX my son found a house he wanted to purchase so we began the process of getting qualified since I was to be a co-signer I also had to qualify..the process took until XXXX of XXXX and we closed the loan on the XXXX of XXXX at the title company where we gave the money down and signed docs..On the XXXX of XXXX Nations Direct Mortgage came back and said oh the pest control report which included a schedule XXXX needed to be fixed prior to loan being funded..Why after they had the pest control report in their possession for 2 months did they come back 9 days after loan close to state this needed to be done..in addition they informed XXXX XXXX mortgage that if the pest control company could take the schedule XXXX off the report or change it to a XXXX then they could fund the loan..I have this email..The items that needed to be completed would cost the seller XXXX dollars plus which she of course refused to pay and she also had signed docs. So our money sits at the title company and we have to go through the process again which affects our credit since our credit will have to be checked again by a new lender plus the time and trouble we will have to go through getting the required information that a new lender might want. In addition we were never notified by the lender Nations Direct and or XXXX XXXX mortgage that we would be responsible for paying rate lock fees but we were indeed billed for approximately XXXX locks which amounted to over XXXX dollars..this is ridiculous..another issue was that XXXX mortgage shared income tax information with XXXX real estate agents of which I have the emails. I have already made this complaint to FHA and I was directed here..This was a horrible expierence for both my son and myself but especially for him as he is 1st time home owner..I hope the preverbial buck stops here..and that something can be done about this travesty
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was Shocked to see that i have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

My credit score are different and it shouldnt be. My information is incorrect, every time I report incorrect they update my information and said it verified. This is a violation
Product: Debt collection

I am receiving phone calls every day, and sometimes multiple times a day to resolve a missed payment on my credit card. From XX/XX/2018 to today ( XX/XX/2018 ) I have received 21 phone calls. I am attaching screen shots of the phone calls.
Product: Bank account or service

Ive received a number of collection calls from Chase, number XXXX. It appears this is in regard to my checking account, which has been overdrawn since XXXX. They have placed a block or restriction on the account prior from using mobile deposit, I do not have any local branches near me, I am only able to make a mobile deposit into savings. As you can see they make the matter difficult to resolve. They also charge extended overdraft fees as well as make harassing calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX XXXX XXXX XX/XX/XXXX at XXXX 's XXXX 's XXXX XXXX in XXXX, Kentucky. My XXXX was approved for this XXXX and I called XXXX to let them know I had received a letter showing my acceptance. I also took the letter to XXXX financial office for them to make a copy. In XX/XX/XXXX I looked at my credit report and found I had 2 accounts from XXXX for non-payment. One was from XX/XX/XXXX in the amount of {$3700.00} from XX/XX/XXXX. The other was from XX/XX/XXXX in the amount of {$520.00} from XXXX XXXX XXXX for my son, who was covered by XXXX at the time of these tests. I contacted the local XXXX office to discuss the account not being paid. The XXXX office printed out paperwork for me to show XXXX of our coverage for these charges. When I took the paperwork to XXXX financial office, they told me XXXX would not pay them because it had been over a year. I returned a couple times and was told there was nothing they could do. I sent my information to XXXX, XXXX, and XXXX. No response from XXXX, XXXX said nothing could be done, and XXXX returned my envelope unopened. I have tried many times to get this settled, but have had no luck.
Product: Mortgage

On XX/XX/XXXX, we contacted XXXX, Dovenmuehle Mortgage , Inc. because we realized that we were not going to be able to make the monthly mortgage payment of {$2300.00} because my co-borrower has lost his job. At which time they had me complete a Loss Mitigation Assistance Application and that once we were in the Loss Mitigation process they would not be reporting us a delinquent. The application was completed and on XX/XX/XXXX they put us into an FHA Special Forbearance which started, on XX/XX/XXXX, in which they stated the payment would be Zero. However, even though we were told that we did not have to make any payment we continued to scrape together the full monthly payment of {$2300.00} each month at the cost of our other obligations not being met. Then on XX/XX/XXXX, we received a document named FHA HAMP Modification and Partial Claim, which states " The first modified payment, principal, interest, taxes and/or insurance in the amount of {$1600.00} will be due XX/XX/XXXX. Since that date, there have been no late or missed payments. I have continued to call and email them, receiving multiple promises to get our credit reports corrected as they are showing that we are 90 days for the months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX as 90 days late. When I call the people I speak to look at the payments received and can see that nothing has been missed since XXXX and XXXX of XXXX. On XX/XX/XXXX we called them again and were told again that the research department would look at it and get back to me. We have not heard back from them and it has been over a week. So we called again today and were left on hold for almost an hour, we asked to speak to a supervisor and the call was transferred to the Escalation Supervisor Team and we were hung up on and did not receive a call back after. We have done everything that they have asked us to do and they continue to not get this matter handed and it has been almost a year that they have been reporting us as 90 days delinquent. This is unfair and wrong. Please help me get this matter resolved.