23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am selling my home to the current occupant of the house.The buyer has been going through the process of securing a loan through the V.A. 
XX/XX/XXXX, I was put on long-term XXXX due to XXXX. I needed to move to XXXX to be near my family, and moved in XX/XX/XXXX. I tried repeatedly to contact XXXX to discuss my account. XXXX intentionally avoided communicating with me. In XX/XX/XXXX, XXXX had put my house up for auction in a foreclosure. I found out about the sale date from the occupant questioning one of the many people driving by and photographing the property. With the help of the XXXX Attorney General 's office, XXXX contacted me and began a modification process. I made my third " trial payment ' on XXXX XXXX. On XXXX XXXX, the mortgage was sold to Seline Finance, a mortgage collection agency. Seline put me on " trial payments '' again for another four months. In XX/XX/XXXX, the buyer of my home began signing papers for the V.A. loan. I was given a projected closing date by the XX/XX/XXXX. That estimate has been delayed ever since, but the process continues - however slowly.The estimated closing date is still not determined. 
A week later, I received paperwork to sign the " modified '' mortgage with Seline. The mortgage interest rate is the same 6 % it was for years with XXXX. 
Seline now tells me that if I do n't sign their mortgage by week 's end, I will go back into foreclosure. Seline sent me a payoff statement, where I finally saw an accounting of my mortgage for the first time in 2 years. The principle is approximately {$48000.00}. Added to that is {$6000.00} in back-escrow, and another {$6100.00} in " interest ''. I must assume that " interest '' is charges accrued during my long stretch of no communication with XXXX. 
Question 1 : What can be done about Seline 's deadline for signing a mortgage by XXXX/XXXX/XXXX, while I wait for a sale date? 
Question 2 : When XXXX sold my mortgage to Seline, did I lose my ability to contest {$6100.00} in " interest '' that I 'm now being told to finance with a new loan?
Product: Vehicle loan or lease

I started the process to do the lease buyout of my XXXX XXXX XXXX. On XX/XX/XXXX, I paid kia finance  {$14000.00} via the Kia Finance website. This payment was the amount that was quoted on the lease buyout quote that I pulled off of Kia Finances website. Kia pulled the money out of my bank account. I mailed them the odometer statement and bill of sale, which they require to release the title. Kia says they never received my mailed odometer statement and bill of sale. On XX/XX/XXXX, I faxed them those documents and also emailed them. 

I called on XX/XX/XXXX, and they said my account is still active. They said they have not been able to apply my payment to my account. They told me they would fix it that day, and on that same day fed ex me the cars title. 

Today, XX/XX/XXXX when I called Kia they said they have not applied the {$14000.00} payment to my account. They said they will do that now ( allegedly ), but that it will take one week to be able to release the title. 

I feel like Kia is making me jump through hoops because the lease buyout is not most profitable to them. Having paid the remaining balance on the car and submitted all paperwork, they are holding my title hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I opened up a personal loan from XXXX for {$5000.00}. I started making monthly payment arrangements toward the loan. after a year or so, the loan was sold to XXXX XXXX XXXX. I continued to make payments with this company. after receiving notification that the account was sold. I was skeptical and started rejecting the payments. I have been contacted from several different companies that has sold and owned the account. I went to the location XXXX XXXX were the loan was originated and they had no information in their system on my social security number or any of my loan information. they then gave me a number to their corporate office. I called them and had no success. I obtained a copy of my credit report and a company by the name of XXXX was listed for the loan. I contacted them to try to settle the debt and they emailed me a settlement offer. I researched the company with the Better Business Bureau and the company is no longer in business. I recently received a copy of my credit report and the loan was just sold again to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX. I called the company to try to settle the debt and they denied me. all XXXX credit bureau is has stated to me that this debt should had been dropped from my credit report. each time that it is sold, the account is being re aged. any help or suggestions would be greatly appreciated.
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 : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : 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: Bank account or service

In accessing business accounts via internet the Monday morning there is record showing the account holder having logged-in right after XXXX, Sunday morning ( ~ 32 hours earlier ). NO money had been moved out of the accounts. 
Only one PC is used for online banking, no mobile devices, no accounting/financial software interacts with online banking, and only one user with access. Log-ons are registered by user, and the likely reason that this " unfamiliar '' log-on was noticed - and which has never occurred before. 
Go to the local branch office, and they contact their online banking and fraud depts.. This is the first time it is confirmed that we did indeed not log in ( i.e., our profile had not been used for the log-on ), but it was recommended that all accounts be closed and new ones opened. More than an inconvenience in itself, but my problems start when I insist that I want to know more about the log-on. Why treat symptoms when the cause of the ailment is unknown. 
Among the many bank representatives I have spoken to over the last two weeks I have repeatedly been told that this was caused by mobile apps or bank system updates or financial software logins, but incidentally, more than one of these reps. have happened to mention that they do not see the particular log-on from their side of the system?? This I would have thought would ring alarm bells with a bank, especially when I am sitting with proof ( a screenshot ) that shows their own system having made an entry on our account profile that tells us that the user logged into the accounts/ account profile at this particular time. The screen shot was initially shown to the branch rep. who initiated the closure of the accounts, and it was later forwarded to the bank 's online-banking dept. ( attention one named person ). 

Why do I pursue this? Simply because I do not know what the log-in event represents so why set up new accounts, and with the bank not being able to even see the log-on event, they are in no position to explain it ( yeah, right ). The owner of the system is clearly in a position to tell what triggered a log-on message to be left in the account profiled. But, I am expected to accept that they will not explain what happened ; I shall just remain ignorant and set up new accounts - and blindly trust the bank in spite of this event? 
A system update event has been provided as the most common explanation by the reps., but not one rep. has confirmed that they are being overrun by customers calling because they all have found log-on events because of a system update.
Product: Debt collection

I AM PARTLY RESPONSIBLE FOR THE XX/XX/XXXX XXXX XXXX CONSENT ORDER AGAINST OCWEN.THE STATE OF XXXX THEN VOIDED OCWEN 'S PURCHASE OF THE MORTGAGE SERVICING RIGHTS OF XXXX AND XXXX, WHO I HAVE BEEN SUING SINCE XX/XX/XXXX. 
OCWEN GOT AN UNLAWFUL SUMMARY JUDGMENT RIGHT AFTER THAT IN XXXX XXXX FOR {$450000.00} IN FL. XXXX XXXX XXXX CASE XXXX FILED BANKRUPTCY, ALL " DEBTS '' DISCHARGED, BUT STILL OCWEN TRIES TO FORCE PLACE INSURANCE ON A PHONY " SECURED LIEN '' OCWEN HAS NO LIEN, I RECENTLY SENT YOU A PACKET OF INFO TO ENFORCE THE CONSENT ORDER AND MY CLAIM OF {>= $1,000,000}, DUE TO OCWEN HAVING XXXX YEARS TO CURE BUT THEY HAVE NOT.TODAY I CALLED AND YOUR OPERATORS WERE INCOMPETENT.I WAS FORWARDED TO THE WHISTLEBLOWER DEPT. BUT DISCONNECTED. I NEED SOMEONE IN THE XXXX DEPT TO TALK TO ME AT XXXX, SINCE I AM A PRO SE PLAINTIFF ON THIS ISSUE FOR XXXX YEARS I KNOW PLENTY AND AM DUE {>= $1,000,000}. SOMEONE PERHAPS ON XXXX OF " XXXX. GOT MY INFO, AND I NEED TO TALK TO THEM.THAT WOULD BE XXXX, I RECENTLY SENT OCWEN A DEMAND FOR VALIDATION OF DEBT PURSUANT TO FDCPA # XXXX AND THEY HAVE NOT YET RESPONDED.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 The Credit bureaus stated Account Name XXXX XXXX XXXX & Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they 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 haven't given these agencies written permission to furnish these accounts on my credit report
Product: Credit reporting or other personal consumer reports

After examining my recent personal credit report, I found that the erroneous items are still present. This indicates a compromise of my credit under your supervision. Despite submitting FTC report # XXXX, these issues remain unresolved. This is my another complaint report that I was the victim of faulty credit reporting. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I demand the immediate deletion of the incorrect credit report information listed below. This complaint addresses several mistaken credit reporting details on my credit report, with SIX ( 6 ) ITEMS still present. Enclosed is my new FTC report, number XXXX, for your reference : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items which bear my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these items from my file. If you choose to ignore my request to remove these items I will be referring this matter to my attorney for further action. Please do not make this a port litigious matter Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from a faulty credit reporting. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lodged disputes with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and American Express with the belief they have reported negative items to my credit report not in compliance with Consumer Protection Law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorize, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, we transaction settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction.
Product: Debt collection

Messages by an automated machine have been left 3 times today already. This is despite a previous call where I specified that I would call back in a few days to resolve the issue. 

Messages were left at XXXX, XXXX XXXX. It should be noted that more calls are possible.
Product: Credit reporting or other personal consumer reports

Follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates i sent a letter to reinvestigate these accounts listed below because ( collection ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ( collection ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ( collection ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ( collection ) XXXX XXXX XXXXXXXX XXXX XXXX  XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate
Product: Consumer Loan

I have inaccurate late reporting on my credit file. I have contact the credit agencies to dispute this and they stated that the information was verified. I find that hard to believe considering that all of the credit agencies are reporting something totally different. I asked that Volvo Finance remove all of the late reportings from my credit file since their reportings to the credit agencies have several discrepancies. I know that I had not been late on any of my payments to Volvo Finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Asked XXXX, XXXX XXXX Experian to re-investigate the information on my credit report and I know the information is incorrect but they all reported back to me that they verified the information on my credit report. So I am here today to report information that has not been fixed and would like to remove all accounts and negative items on my credit report.

15 U.S.C 1681i States that I have the right to ask for a Reinvestigation ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 the file.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Product: Credit card or prepaid card

I called months back when I was in a financial bind and asked if they had any programs to allow me to pay but without hurting my credit. 
I was advised when I asked multiple times as my account was current and is still current that I did not want to enter into any financial program or agreement if it would report adverse or negative on my credit. 
I was promised it would not. 
however I pulled my free annual credit report and discovered I was lied to. 

this account is reported as a adverse account which is harming my credit. 

if I was not lied to I would have just left the account alone as I was current and still am. 
I have never had a late reported. 

but because it has a remark now saying paying partial agreement its showing as a adverse. 

this is frustrating when I asked numerous times and was basically lied to and now my credit is taking a hit.
Product: Credit reporting or other personal consumer reports

My Old room mate used my info to open accounts without my permission. I need these accounts to be removed from my report asap. This is causing me major XXXX from my military service.
Product: Credit reporting or other personal consumer reports

I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. It saddened me to learn that XXXX somehow verified the disputed item, electing to leave it on my credit report. 
I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how Equifax investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation. 
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. They are reporting a charge off on several accounts that have been closed without my consent. That debt then became a credit tax write off and is now taxable income for me. 
However I have NEVER received a 1099C cancellation of debt form from them for anything they are reporting and this is inaccurate and should be removed. The cancelled debt is being filed on companies taxes and also reporting on my credit report as a debt. This is a violation of 15 USC 1681 eb as there should be maximum accuracy on the consumer report. 

I demand to see to see verifiable proof ( i.e original consumer contract with my signature on it ) for accounts listed below : Account Name : XXXX. XXXX XXXX Account Number : XXXX This account states that I made 100 % on time payments, but is also reporting as a charge off. This is a violation. Remove from my credit report. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Equifax states that I made 100 % of my payments on time, yet it also states a current payment status of late 60 days. This account is in violation and reporting inaccurate information. Remove it from my credit report. 


Account name : XXXX XXXXXXXX XXXX XXXXXXXX : XXXX A collection account can not report a balance. This account is in violation. Remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in the regular business of assuming the role of a credit reporting agency and in the regular business of collecting the personal information of consumers. Equifax is bound by the Fair Credit Reporting Act, the Privacy Act of 1974 and state laws requiring the safekeeping of the personal information of consumers. However, in XX/XX/XXXX, Equifax became aware of a data breach where over XXXX XXXX consumers ' information was stolen by unknown perpetrators, of which I was affected. Equifax did not adequately inform me that my information was stolen. It wasn't until XXXX that I learned of an extended claims period. Between XXXX to present, Equifax has failed to report accurate information on my credit report. I have been denied credit no less than 20 times due to Equifax misreporting my personal credit information. I have had fraudulent accounts reporting on my credit report. I have also suffered the same through Equifax affiliate credit agencies by being denied apartment leases, employment, have a higher mortgage interest rate, higher car loan interest rates, and denied other open ended consumer credit accounts. I still have inaccurate information reporting on my credit report that Equifax refuses to delete despite numerous complaints made by me to the CFPB. Equifax consistently and negligently continues to violate my federally protected rights and state rights as a California resident. Equifax should not be allowed to do business in the US. I have spent and lost hundreds of thousands of dollars trying to repair my credit, protect my personal information and credit, and prevent my information from being stolen in the future. Equifax also admitted their fault in their own statement which reads " We at Equifax CLEARLY understood that the collection of American consumer information and data carries with it enormous responsibility to protect that data. We did not live up to that responsibility. ''
Product: Credit reporting or other personal consumer reports

I have been disputing the unauthorized reporting of this TD Bank business credit card account on my personal credit since XXXX2024. I did not authorize or give anyone permission to use my ( SSN ) for this account. This account was improperly linked to my personal credit, and I request its immediate removal. 
The creditor failed to provide the documentation. I requested a hand written business credit card application with my SSN filled out as proof that I was in any kind of agreement for business under my personal name, Per FCRA, unverifiable information must be deleted from my credit report immediately.

The data furnisher failed to provide the verification documents I requested within the 30-day dispute period. As this account is now legally unverifiable, it must be removed immediately per FCRA guidelines