23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I've been communicating through loan servicer, SNSC Corp, with my lien holder regarding a payoff proposal. Initially, I didn't have my home listed. After a series of emails, ultimately the lien holder said they would not consider a payoff proposal without some type of documentation supporting the request, such as a sales contract. 

I put the home on the market, and on XX/XX/21, I began the latest series of communications. 

XX/XX/21 - Initial email sent to servicer with proposal. 
XX/XX/21 - Servicer replied confirming my proposal was sent to lien holder. 
XX/XX/21 - Servicer requested I send a copy of the sales contract and HUD/Settlement statement. 
XX/XX/21 - Servicer denied my request. 
XX/XX/21 - I replied to servicer, asking with whom they are speaking representing my lien holder. 

To this date, the servicer has yet to respond with that information.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

LVNV FUNDING LLC has also not mailed me any documents for my right to dispute, I am requesting documentation with my handwritten signature verifying that this debt is mine. My account has been flagged for potential identity theft and I do not own a credit card with XXXX XXXX. 

They have not sent any written contracts with my wet signature or a full disclosure. This debt collector has also violated 15 USC CODE 1692b which states : 15 U.S. Code 1692b - Acquisition of location information ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; They have also broken 15 U.S. Code 1692f - which states Unfair practices ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

In fairness, I am requesting LVNV FUNDING LLC cease collection efforts as I have not agreed nor written any contracts stating I will make any payments to them in regards to this account or I will be compensated XXXX per violation in monetary relief under XXXX5 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I also did not agree for my debt to be sold from XXXX XXXX this is another violation
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that I do not recognize
Product: Bank account or service

A Discover Card rep told me he cancelled a payment pending for two days later, but it was not cancelled. It will cost me {$20.00} to stop payment or a {$35.00} insufficient funds charge.
Product: Checking or savings account

I am a TDBank Customer in XXXX County, Florida. On XX/XX/2019, I tried to make a XXXX payment through my online banking portal. The transaction was flagged by TDBank as suspicious, even though I had done previous business with the merchant with no issues. TDBank disabled my XXXX capabilities while they " investigated, '' and later shut down all access to my checking account. I spent HOURS in the branch during the ensuing weekend trying to resolve the situation, but the branch employees, including the manager, not only were unable to help but were apathetic and uninterested in trying. Finally, after I posted a lengthy summary of the situation to XXXX, along with an entreaty to my followers not to do business with TDBank, someone from their corporate office called me on Sunday night and assured me they would resolve the situation by the following Monday morning. Little did I know, however that my nightmare was only getting started ... 

To make a very long story at least somewhat shorter, after the XXXX debacle, TDBank improperly and arbitrarily classified my checking account as a " non-transaction account, '' a code associated with savings accounts, money markets, and other such accounts on which checks ( including e-checks ) can not be written. They did not inform me they were doing this, and from what their employees have since told me, it should have never happened -- in other words, it was a negligent and careless mistake on their end. 

This negligent action by TDBank caused me to incur many returned payments, resulting in hundreds of dollars in late fees. My payments initially were accepted, but each time, I received a notice days later ( or, in a few cases, weeks later ) from the merchant ( never from TDBank ) that the payment was returned because of my account 's non-transaction status. By that point, the due date had always passed, causing a late fee to be applied. In one case, it took so long for the payment to be returned that it went past the 30-day mark, resulting in a 70-point plunge in my credit score. This drop, unless I can somehow resolve it, will  cause me to pay hundreds or even thousands more in interest if I decide to purchase a house or car in the near future. 

I am completely fed up and need help taking action. I strongly believe that I deserve restitution not only for the quantifiable monetary damages I have suffered in the form of late fees and returned payments, but also for the many hours of time I have lost ( time is money, after all ) and for the stress and emotional anguish caused by this exasperating situation.
Product: Debt collection

I have retained information that BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC has purchased an alleged debt from XXXX XXXX XXXX XXXX XXXX. They have transferred this debt to their representative The Bureaus, INC  ( who is not a licensed collection agency in the state of Illinois ) and XXXX XXXX who have both contacted me in trying to coerce me to pay this alleged debt without providing me specific proof of claim. Attached is my official NOTICE OF DISPUTE PROOF OF CLAIM AND CEASE AND DESIST OF ALL COMMUNICATION. I am invoking my specified remedy. If I don't receive the required evidence of proof of your claim in 30 regular days, your claims against me will be dismissed and you must terminate all collection efforts. I expect you to cease all communication with me through any and all mediums, including my consumer report, in regards to this alleged debt including communication through your representatives, The Bureaus , Inc and XXXX XXXX. ALL communication directly or indirectly should now cease though any and all mediums. You will be held up to every aspect of federal law for willful and negligent noncompliance of federal law. YOU ARE ON NOTICE. I do not give BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC, or any of its representatives, affiliates, employees or legal counsel permission to pursue legal action against me, the federally protected consumer, for that would be a violation pursuant to 15 USC 1692i ( b ) and 15 USC 1692e ( 3 ). With Explicit Reservation of all Rights, Without Prejudice UCC 1-308.
Product: Credit reporting, credit repair services, or other personal consumer reports

Difficulties regarding request for credit freeze
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all false inquiries from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these inquiries be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer. In addition to that, I have already sent a letter to the creditor asking them to reverse these late payments. They havent abided by what I requested and they also violated my consumer law because they never gave me the option to opt out from reporting this information to a 3rd party. 15 U.S.C. 
XXXX B Obligations with respect to disclosures of personal information. Creditor : XXXX XXXX, Account : XXXX Reason : I paid on time but you're listing me as late for XX/XX/2022- Please update to paid on time! Creditor : XXXX XXXX XXXX, Account : XXXX Reason : I paid on time but you're listing me as late for XXXX and XXXX XXXX XXXX XXXX Please update to paid on time!
Product: Credit reporting or other personal consumer reports

Experian violation of the Fair Credit Reporting Act ( FCRA ), [ 15U.S.C1681b ( a ) 3 ( f ) ( i ) states The purpose is certified in accordance with section1681b ( f ) XXXX XXXXXXXX XXXX XXXX XXXX ) Reasons for Dispute : XXXX XXXX : As per 15 U.S.C. 1681b ( c ), these entries were not authorized by me and thus should not appear on my credit report.

Inaccurate Reporting : Under 15 U.S.C. 1681e ( b ), it is required that credit reporting agencies maintain maximum possible accuracy. The listed items do not meet this criterion.

Obligations of Furnishers : As per 15 U.S.C. 1681s-2, the furnishers of this information are required to report accurate data. Their failure to do so necessitates the deletion of these entries.

Reinvestigation Requirement : In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), I am requesting a reinvestigation of these entries and their subsequent deletion.

Civil Liability : Under 15 U.S. Code 1681n, you may be held civilly liable for willful noncompliance with these requirements.15 U.S.C 1681b ( c ) 18 U.S.C 1028A, 611 15 U.S.C 1681i, 15 U.S.C 1681e ( b ), 15 U.S.C 1681 ( a ) ( 5 ), 15 U.S.C 1681n FCRA 611 ( 15 U.S.C 1681i ), under 15 U.S.C.

1681n. 

Remove all XXXX inquires not half! 
XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX AUTO Inquiry date XX/XX/XXXX Legal Rights : Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to investigate my dispute and correct any inaccuracies within 30 days. Additionally, as per 15 U.S.C. 1681g ( a ) ( 5 ), I am entitled to a free copy of my credit report reflecting these changes. Failure to comply with these requirements may result in civil liability under 15 U.S. Code 1681n.
Product: Mortgage

We had our originally mortgage with XXXX XXXX and it was sold in XX/XX/2022 to Shell Point, during XXXX  we were able to pause payments on the mortgage, then our son passed which caused a MAJOR loss of income as my husband was his XXXX XXXX XXXX XXXX XXXX  to do so, and when he passed we lost that income. However, now those missed payments are in something called forbearance. My husband now has a job and we are able to resume our mortgage payments and want to do so, However, Shell Point will not TAKE A MORTAGE payment, until the forbearance is paid, and we are not able to pay the XXXX in full, but can also make payments on that can have expressed that we want to work a way to do that. They said NO, they only option is a modification, ok, but we have gotten nothing but issues. Everything they ask for we send, then, they come back and say it wrong, but its not, and won't help with what they are asking for. Yet they mortgage goes more and more in default, and all we want to do is resume payments, but can't. And I am afraid that they just want to force a foreclosure, please please please help. Our son died here, we need to stay in our home.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX. XXXX my SS is XXXX, my DOB is XXXX the following addresses are not accurate please remove/delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX  XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Open. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$280.00} XXXX XXXX. 
XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

My auto-lender " Bridgecrest '' illegally repossessed my car, without " any '' notice on Friday XX/XX/. I live in Massachusetts and according to State Law before an auto lender can start the repossession process they must first send written notice to a consumer. I have not received any correspondence from my auto-lender signaling any intent to repossess. When I arrived home ( Private Property ) on Friday my vehicle was not in my Parking Spot. I initially thought the vehicle was stolen. I contacted Bridgecrest and they said : " Oh yeah, by the way the vehicle has been out for repossession since the XXXX XXXX XXXX When asked why they did not notify me of the repossession they admitted to not sending the notice and said : " It is up to you to contact us about your own account '', when asked why the repo man illegally came on my private property to remove my vehicle I was told to contact the repo company. I also had paid my auto-lender one day prior to this illegal repossession and was told that my payment could not be considered in any quote to redeem the vehicle. I am dealing with XXXX and need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Chapter XXXX Bankruptcy in XXXX. My credit cards from XXXX XXXX were included in my bankruptcy. XXXX XXXX & XXXX acquired these former XXXX XXXX credit accounts and converted them to " XXXX XXXX XXXX & XXXX. '' The XXXX XXXX XXXX & XXXX were ALSO included in my bankrutcy. 

XXXX XXXX  & XXXX/XXXX  XXXX XXXX & XXXX continued to collect on this account after my bankruptcy file date and reported the account to Equifax as being " charged-off '' in XX/XX/XXXX. As of XX/XX/XXXX, the account STILL shows a charge-off status on Equifax, instead of " included in Chapter XXXX bankruptcy. '' These actions violate the the automatic stay provision afforded debtors pursuant to Bankruptcy Code 11 U.S. Code 362. I have now disputed the reporting of this account several times, and both XXXX XXXX & XXXX/XXXX XXXX XXXX & XXXX AND Equifax keep verifying their reporting as accurate, and it is not. 

The " charge off '' status of this account is inhibiting my ability to rebuild my credit. The account was included in my bankruptcy, and my credit file should reflect that fact. 

I have attached the dispute results from Equifax regarding this matter ; the results are current as of XX/XX/XXXX. 

I am requesting that XXXX XXXX & XXXX ( XXXX XXXX XXXX & XXXX ) update the account language and descriptors on my Equifax file to read : " included in Chapter XXXX Bankruptcy. '' Thank you.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

TO WHOM it may concern I am writing to report that I am a victim of identity theft. An unknown individual has fraudulently opened a Navy Federal Credit Union credit card account in my name. This unauthorized account have been reported to the three major credit bureaus : XXXX, XXXX, and XXXX. Details of Fraudulent Activity : XXXX. Navy Federal Credit Union Credit Card Account : - This account was opened without my knowledge or consent. ON XX/XX/XXXX under the account number XXXX - I have not authorized any transactions or actions related to this account. I HAVE TRIED to communicate with you guys but i haven't seen any positive results in the matter, Impact on My Credit Report : This unauthorized account have negatively impacted my credit reports with XXXX, XXXX, and XXXX. As a victim of identity theft, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), particularly Section 605B, which allows for the blocking of information that is the result of identity theft. Under FCRA Section 605B, I am requesting that the fraudulent accounts be blocked from my credit reports. This provision mandates that credit reporting agencies must block the reporting of information that resulted from identity theft within FOUR business days upon receipt of proof of identity, an identity theft report, and an official request to block the fraudulent information., and if for some reason this item doesn't getting deleted or blocked, you guys are violating my right under FCRA XXXX this are fraudulent account in my name that wasn't opened by ME I REPEAT SOMEONE IS USING MY NAME I am requesting your assistance in this reinvestigating this matter and taking the appropriate actions to prevent further harm, DESIRED OUTCOME : PLEASE REMOVE ACCOUNT FROM CONSUMER XXXX XXXX REPORTS VICTIM INFO : NAME : XXXX XXXX Date Of Birth : XX/XX/XXXX Contact info : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXX Arizona XXXX XXXX
Product: Debt collection

The company is MIDLAND CREDIT MANAGEMENT IT IS ON ALL MY CREDIT TEPORTS DESTROYING MY CREDIT! ITS NOT MINE AND MUST BE REMOVED IMMEDIATELY! They are harassing me and ruining my credit! ITS ABSOLUTELY EGREGIOUS!!!! I WANT IT REMOVED IMMEDIATELY! I have filed police reports identity theft reports ETC!!! IT MUST BE OFF IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute XXXX XXXX XXXX XXXX. The highest balance listed on the account is incorrect. Please delete the account.