23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage servicer is Village Capital and Investments LLC. Village Capital has not given XXXX XXXX XXXX the mortgage payoff amount to close my refinance. I was told by XXXX XXXX Loans that they had requested the documents from Village Capital on XXXX XXXX, XXXX  and XXXX XXXX, XXXX, both of which have not been fullfilled. I was supposed to close on my loan on XXXX XXXX, XXXX. Village Capital has been holding my payoff amount XXXX now for over 21 Days now and that there supposed to give any mortgage payoff amount in the XXXX business days. Today XXXX XXXX, XXXX  with still no pay off I would like to see Village Capital give XXXX XXXX XXXX the pay off so I can please move on from this nightmare of refinance that they have put me through it is cause undue stress and with my mortgage being due soon I this to come through as soon as possible. Village Capital has hassared me to refinance with them. After doing some more research into them I chose not to continue business with them after seeing multiple people having nightmarish experiences with this company.
Product: Credit reporting or other personal consumer reports

In XXXX someone bought a car in my name in XXXX, GA but I proved to the company that it wasn't me and that my identity was stolen.The reposession was removed from XXXX and XXXX, but not on TransUnion. I provided all necessary documents to prove it wasn't me, but the finance company is removing from transuion. I submitted a police report, identity theft report, copy of my license, utility bill and all other information they requested from and I never heard back from them. This situation has harmed my credit and reputation, even though the car associated with the loan had no debt and I never signed for it. The loan number is XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and concern about the multiple attempts I have made to remove an unauthorized inquiry from my credit report. Despite my persistent efforts, this inquiry continues to affect my credit profile negatively. I am writing this letter to bring this matter to your attention and request an immediate resolution. 

I am fully aware of the importance of accurate credit reporting and how it influences my ability to access financial services and opportunities. The continued presence of this unauthorized inquiry on my credit report has caused significant financial harm, including making it difficult for me to secure credit, loans, and other financial transactions. 

I kindly request that Equifax Credit Bureau takes immediate and thorough action to investigate and remove the unauthorized inquiry by XXXX XXXX, XXXX XXXX from my credit report. Furthermore, I urge you to provide me with a written explanation detailing the steps taken to correct this inaccuracy, along with a timeline for its removal. Clarity regarding this process is essential for me to understand when the issue will be resolved.

Should this unauthorized inquiry persist on my credit report without corrective action, I may have no choice but to explore legal remedies available under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. Kindly assist me to removed this inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed the following on my credit file XXXX XXXX Bankruptcy These are not mine. They are either a result of identity theft I have experienced or an error. Please remove immediately and do not report again.
Product: Debt collection

Reached out to the company to get a proof of contract as I feel I am not liable for this nor was I notified of any collection and would like this removed from my account FRONTLINE ASSET STRATEGI  Last reported XX/XX/2023 {$4800.00} Open balance XXXX XXXX XXXX XXXX  Original creditor
Product: Mortgage

I have a current mortgage & I'm trying to apply for a Home equity loan. Yet on my report it shows a " Foreclosure '' process back in XX/XX/2017. I was able to make my payments & I am 6 months good on payments to date. I would like to pay the {$150.00} fee ' s & have this Released from my loan. PNC Mortgage stares they can not release it as it has to be released by Washington State. 
Who do I contact?
Product: Payday loan, title loan, or personal loan

I have spent the past six months, trying to pay off a loan that was taken fraudulently in my name via opportun for maybe {$1000.00}. Back in XX/XX/2022 I called into Oportun and was told that on a recorded line, my payment has gone through. I was given a confirmation number. It was told I have nothing else to worry about. I had to call and make payment because the online portal payment portal would not allow me to make a payment to my account. It was stating that my account was closed even though I still had a balance when I called the rep told me that my account was closed even though for some reason there was still a balance in that he was also unable to take up a payment due to bring his supervisor who then told me that she could take the payment use my debit card after about four hours of being on the phone they finally said that they took it off my debit card and they said it would post within three business days which was suspicious because its a debit card. It should be instant instant, but since they provide me with a confirmation number I figured that it had to be legitimate fast forward six months the delinquency reported on my credit score with this account for being 131 days late when I was told that it cleared I called back the company and I gave them the confirmation number, and they told me that the confirmation number does not exist, and if there was no documentation or notation of me ever try to make this payment, or being told that it was paid through, then try to extort me for {$610.00} tell me that theres nothing that they can do at which point I report it as fraud. The whole entire loan was not taken out by me I dont know who took it out. It was taken out online and this is a shady shady company. They transfer me seven times not even warning me before I transfer it every single time after re-explain the situation to the next XXXX  Im talking to you. so finally they say that theyre going to file a fraud report. This was last week I called back this week for an update so Im told that they will be contacted in 3 to 5 business days and Im told that the report was never filed and no documentation exists I have now been denied a mortgage because of this delinquency they are lying to me search my face theyre not giving me answers. They refuse to transfer me to the legal or fraud department. They want to give me the runaround for hours and hours and hours and hours nobody has the answers nobody can help nobody has any solutions all they try to do is collect the money from you when Im Im not going to pay it. The total balance with my account became close. It was {$210.00}. Now its {$610.00} isnt that interesting? They need to remove this XXXX from my credit score and remove this loan from my name. Otherwise the only one going to complain here I will be filing litigation against him. 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

There are several accounts showing on my credit profile that I have never provided my authorization for
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, T ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX Balance : {$350.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00}
Product: Mortgage

Specialized Loan Servicing ( SLS ) has once again threatened to purchase insurance on my behalf in the amount of {$89000.00}. which well exceeds the amount of my loan with SLS ( of which I owe less than {$20000.00} ). I have no other loans on my property and SLS has no right to purchase any insurance in my name. I sent ( Certified Mail ) and faxed SLS proof of the Discharge of Mortgage with the 1st mortgagee ( XXXX ) and therefore am not required to obtain more flood insurance than I owe SLS. I provided SLS with a copy of my XXXX flood insurance in XX/XX/2016. I have also requested that SLS provide the name of the " Investor '' in writing and have not yet received any response.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX AFNI, INC. 
XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted 
from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AFNI, INC. 
XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( XXXX ) ( A ) and 611  ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX  has me in collections for some dates I was never seen on and the others, I have insurance. I have been on SSI for over 15 years which automatically gives me insurance coverage ( Medicaid and or medicare ) I called the collection agency XXXX XXXX  who is the collection agency for XXXX XXXX. They claimed at first I had no coverage and then said they had the wrong date of birth. I was also told that I would receive a call back in reference to this matter which I never did. I am also aware that because I have Medicaid I should never been billed
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX XXXX. I had this loan with XXXX XXXX XXXX, I refinanced it to XXXX XXXX XXXX XXXX, then the vehicle was traded in. However two of the three major bureaus ( XXXX and XXXX ) are showing my debt severely incorrect. XXXX is showing me as {$63000.00} on debt and XXXX is showing me as {$63000.00} in debt because theyre still reflecting the XXXX and XXXX loans on the same vehicle as open, I have verified with both loan companies and they have reported this to the bureaus. Equifax is showing my w a debt of {$28000.00} which is what I owed on my XXXX. So none of the three are correct. I had purchased a XXXX XXXX XXXX but it has been totaled before I even made the first payment, so now I really need these credit reports to be accurate because Im going to have to get another vehicle loan.my credit usage is also not nearly that high, my cards are all under {$100.00} balances with the exception of one. The XXXX has been paid off with both these loan companies since XX/XX/XXXX and we are now on XX/XX/XXXX. The new loan for my XXXX hasnt even been reported yet, but it will be paid off by insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report. Kindly remove asap as these are suspicious : XXXX  and XXXX XXXX/Personal
Product: Mortgage

To whom it may concern, My wife and I have just closed on our house and assumed a VA loan through Freedom Mortgage. After closing we tried to create our online account to access our loan information and manage our account but were unable to. After contacting Freedom Mortgage we were told that because we have assumed the loan we would not be able to ever access our own account due to the previous owners information being tied to the loan number. This is intentionally withholding information for a mortgage we have signed for and are now legally entitled to information about. This lack of access was never mentioned or disclosed before or during the assumption process.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its illegal obligation under the Fir Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

XX/XX/2023- Large transactions were made to various individuals I do not know or have any relationship to. Completely inconsistent with previous history of using the Paypal service. 
XXXX XXXX, 2023 - I file a dispute against the scammers to recover funds taken from my credit cards under the guise of " friends and family transactions '' in excess of {$20000.00} USD XXXX XXXX, 2023 - No contact is provided to me other than a notice that the charges were not unauthorized and consistent with my " transaction history. '' Note attached transaction history is provided to show how absurd that claim is, nonetheless to make against a victim of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX inquired my credit report on XXXX XXXX, XXXX. I did not authorize this inquiry. All attempts to contact XXXX XXXX were unsuccessful. This inquiry will stay on my report until XXXX XXXX. This is an error. 

Institution Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Good Afternoon, I looked at my credit report back on XX/XX/year> and realized that some things were incomplete and not accurate. I sent a letter asking them to reinvestigate these accounts below : XXXX XXXX XXXX - Account XXXX open date is not reporting correctly, date last active and date of last payment is not right, this account is not accurate. 
XXXX XXXX XXXX - Account XXXX open date is not reporting correctly, date last active and date of last payment is not right, this account is not accurate. 
XXXX XXXX XXXX -Account XXXX open date is not reporting correctly, date last active and date of last payment is not right, this account is not accurate.
Product: Mortgage

Selene finance is the mortgage servicer, I closed on my property on XX/XX/2021 and had to make my first payment on XX/XX/2021, I Made the payment on XX/XX/2021 to Selene finance, on XX/XX/XXXX I received a letter from Selene finance stating that they had sold my loan to XXXX XXXX on XX/XX/2021 but failed to send me notice, the payment made to them was never applied to my account nor forwarded to XXXX XXXX, now XXXX XXXX wants the XXXX payment from me, i have made many calls to Selene financial to send the payment to XXXX XXXX but after 4 months they still havent, I have provided all this info to XXXX XXXX but they continue to harass me for the XXXX payment being stolen by Selene finance
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX XXXX  We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS # ENDING IN 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. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account # XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Genesis FS card services has called me twice today. Both times I refuse to speak with them because I recently became a victim of identity theft and the company who is calling me does not match the name of the card I have and they wont say what card they are calling in regards to until after they confirm the person they are speaking with or the person states their name and verifies who they are looking for with what should be sensitive/secured data, when introducing themselves AND they keep calling from masked numbers. 

I have a Florida cell phone number but I live in XXXX XXXX Alaska, XXXX XXXX  XXXX XXXX is masking their calls with a XXXX area code ( Alaska ) and keep calling from different numbers even though they do not have any offices or head quarters in Alaska. I only answer local ( to my location ) numbers because of my children or the police because everyone else who is an Alaskan number can be saved in my contacts due to having XXXX phone number they call from other than toll free numbers listed for customers to call. 

They also seem to only have people of XXXX or XXXX XXXX XXXX decent calling customers. And I dont know if they are in some boiler room in XXXX XXXX if its really even my actual creditor calling being that they are using deceptive debt collection practices by masking their numbers and calling multiple times in XXXX day, every day.
Product: Credit reporting or other personal consumer reports

I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to request the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX XXXXXXXX XXXX Balance $ XXXX I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account ; XXXX XXXX XXXX XXXX Balance $ XXXX The late history should not be showing late because I think I paid on time. Please update the late payments from this account ; XXXXXXXX XXXX XXXXXXXX XXXX Balance $ XXXX I need the following investigated account name, date of last activity, and opening date. I believe this information XXXX be wrong. I need this removed immediately XXXX XXXX XXXXXXXX XXXX Balance $ XXXX This is a formal request for an investigation of this account 's comments, account type, and account name. There is a possibility that this information may be inaccurate. This must be removed immediately ; XXXX  XXXX XXXX Balance $ XXXX You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.