23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Current loan servicing company will not honor my previous MHAMP agreement due to payments not being received in the required time frame by MHAMP guidelines. Payment were not able to be paid by required time frame because loan had been transferred XXXX times since XX/XX/XXXX, thus causing issues in making payments to the current servicing company by required deadlines. Will provide documentation as to issue, dates, etc. when needed. Account was first being service by XXXX XXXX and was transferred to XXXX XXXX XXXX on XXXX. I received notification from Nation Star of transfer the end of XXXX 2014. I contacted the new servicing company and they did not have my loan details yet. On XXXX I spoke with a supervisor is their department regarding the letter I received which showed all my loan information was incorrect. He advised me to wait another week and check back again. During the interim, he sent request to delete late charges as I was within my first XXXX days of transfer to a new servicing company. He also stated that I could pay my account on line when I get paid on XX/XX/XXXX. After confirming deposit for self employed funds were received and posted to my bank account I logged into their system to make a payment. I am attaching the email I received as proof that I logged in to create my account and make payment. However, my account was still incorrect and showing that I was XXXX delinquent and their system would not allow for me to make a XXXX month payment as previously directed. I contacted XXXX XXXX XXXX XXXX directly on XX/XX/XXXX and explained this issue. I made payment by telephone which cleared my bank account on XX/XX/XXXX. This issue caused me to become over XXXX days delinquent on making payments and thus made me ineligible for the deferred principle write off that was to be completed XX/XX/XXXX. I filed request with XXXX XXXX in regards to this issue and never received a resolution prior to my account being transferred yet again to another servicing company effective XX/XX/XXXX. The servicing company was Bayview Loan Servicing which is the current loan serving company. I again filed request and was denied. I filed an appeal and was since denied again due to not meeting the required payment guidelines. I am attaching proof of this final request with both of their denials stating this information.
Product: Credit reporting or other personal consumer reports

Dear Equifax I see that you verified the account listed below : XXXX : Account number : XXXX, Misleading. Fix the balance information. 

XXXX XXXX : Account number : XXXX, Misleading. Fix the balance information. 

XXXX : Account number : XXXX, Misleading. Fix the balance information. 

XXXX XXXX XXXX : Account number : XXXX, Misleading. Fix the balance information. 

XXXX XXXX XXXX : Account number : XXXX, Misleading. Fix the balance information. 

XXXX XXXX XXXX  : Account number : XXXX, Misleading. Fix the balance information. 

XXXX XXXX XXXX  : Account number : XXXX, Misleading. Fix the balance information. 

XXXX : Account number : XXXX, Misleading. Fix the balance information. 

XXXXXXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX, Misleading. Fix the balance information. 

XXXXXXXX XXXX XXXX XXXX Account number : XXXX, Misleading. Fix the balance information. 

XXXXXXXX XXXX XXXX  : Account number : XXXX, Misleading. Fix the balance information. 

XXXX : Account number : XXXX, Misleading. Fix the balance information. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017, I opened a checking account with Bank of America. In XXXX of 2017, I deposited a check into the account that ended up being drawn on an account that had just been closed, although I did not know it. My account was immediately frozen. I called customer service, and they told me what had happened and suggested that I go speak to the manager of the bank branch where I had opened the account, who should be able to lift the freeze. 

When I went to the bank to see the manager, I was accompanied by my XXXX  granddaughters, who are XXXX. The manager stared at them, and it was obvious to me that because he was white, he was making a XXXX judgment on me ( I'm also white ) for having XXXX grandchildren. He was very rude to me and told me that because the deposit I made was returned, it caused several checks I had written to bounce. Although the account was not overdrawn, because I had bounced a check in the first 30 days, he said that bank had to close my account. The manager returned to me the money that was still in the account, and closed it during my visit. He assured me that there would be no negative reporting ramifications from the closure, as it was not my fault. 

Recently, I attempted to open an account with a different bank and was denied. I obtained a copy of my XXXX  Report ( as recommended by the denying bank ) to see why I had been denied, and I noted that Bank of America had reported me to XXXX in 2017, indicating they had closed my account due to " suspected fraud ''. This is completely inaccurate. The XXXX report also indicated that I had an unpaid amount owed to BofA as a result of the closed account, which is also inaccurate. 

I contacted BofA several times to request that they remove the false information from XXXX, but the customer service reps I spoke with said they were unable to do so, but could not provide me any valid reason why ( as they agreed with me as to why my account had been closed and confirmed I did not owe BofA any money ). 

The false and negative report by Bank of America to XXXX is preventing me from opening any bank accounts, which I need to do for my small business. I am being harmed severely every day that the false information remains on the report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : EQUIFAX Account Name : XXXX XXXX Account # : XXXX Balance : {$3300.00} Date Opened : XX/XX/XXXX Account Status : open Account Name : XXXX XXXX XXXX XXXX  Account # : XXXX Balance : {$16000.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name : XXXX XXXX XXXX Account # : XXXX Balance : {$1600.00} Date Opened : XX/XX/XXXX Account Status : open Account Name XXXX XXXX XXXX Account # : XXXX Balance : {$6500.00} Date Opened : XX/XX/XXXX Account Status : open UNAUTHORIZED INQUIRE ( XXXX ) XXXX XXXX XX/XX/XXXX
Product: Debt collection

I had a repossession a number of years ago and XXXX owed on the vehicle. The company came and took the vehicle. I asked what i owed and no one can give me an answer. There is a charge off on my credit report for XXXX but they have since sold the vehicle so its my understanding that what i owe is the XXXX minus whatever they sold the vehicle for. No one can look up my information on the vehicle or tell me what it was sold for. They only ask me to start making payments on the XXXX. I have tried disputing the account with the credit bureaus to get at least the total corrected or the account removed because its being misreported but haven't had success. Please help me anyway that you can. Thanks.
Product: Credit card or prepaid card

I regret to report that I have encountered difficulties when attempting to make payments on both tdbank.com and tdcardservices.com websites. Specifically, upon signing into these sites, I was unable to locate any payment options. Even after thoroughly reviewing each page, I was unable to find any payment options available to non-TD bank account holders. As a result, I was forced to make a payment in person at a TD bank branch. 

Upon visiting the TD bank branch, I discovered that my previous payment had been returned. I am unsure as to why this occurred, but I promptly made an {$800.00} payment the same day. Furthermore, I have now been informed that my account has been reported as delinquent to the credit bureau. I believe this to be unjust, considering the issues I encountered with the website, and the fact that the payment was ultimately made I believe on time but may have been processed late. 

I would like to request that the late payment be removed from my credit report. It is unreasonable that I must visit a branch in order to make a payment, and the tdcardservices website only displays my previous TD bank account.
Product: Credit reporting or other personal consumer reports

I have thoroughly followed all required procedures to contest these accounts. I reached out to the company, and they assured me that the matter was resolved. Law enforcement has also intervened, and I provided an FTC report, which was validated. Moreover, XXXX and XXXX have adhered to legal protocols and eliminated the accounts. Despite these actions, Experian persists in creating hurdles, asserting that I have not fulfilled all essential steps. 
Despite my prior efforts to address the matter with Experian, I continue to encounter hurdles. Experian maintains that the documentation I supplied is inadequate. It seems that Experian is neglecting its legal duty to handle the identity theft report, despite other bureaus having already removed the accounts. 

I want to stress that I reported the identity theft to law enforcement and the FTC, a federal entity. I am seeking a resolution to this matter that follows proper procedures. The distress caused by this identity theft, along with the inability to access my credit, is significantly impacting both my personal and professional life. 

XXXX XXXX, XXXX XXXX and XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information reporting in my credit reports from XXXX. I disputed the information with Experian, XXXX, and XXXX on XX/XX/XXXX but, I never received a response back on the status. I sent another letter to the credit bureaus on XX/XX/XXXX but, no response again. I sent another dispute letter to all 3 on XX/XX/XXXX and just checked my reports, not one thing showing an active dispute. Are these credit bureaus just throwing my letters out? What the heck? They have to process the disputes! And they are just ignoring me. This XXXX account does not belong to me and I don't understand why it's on my report, which is why I disputed the information in the first place. I want to know what this account is and requested a copy of the original contract from the credit bureaus and XXXX to show them that it's not mine but, no responses. How are the credit bureaus allowed to function like this and just ignore people. XXXX! Please have the credit bureaus remove the XXXX account ( # XXXX ) from my credit reports along with XXXX XXXX XXXX ( account # XXXX ).
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX
Product: Student loan

My original loan officer was Great lakes Great lakes shut down it was one loan it was not separate Great lakes sold my loan to several different loan agencies due to this happening Nelnet was on my loan information file for maybe 4 months and then it was sold to add financial they have duplicates of the same loan showing on my credit so now it says that I owe XXXX plus when {$15000.00} was forgiven by borrowers defense loan forgiveness program because the school committed fraud against me so my loans were completely forgiven a XXXX I enclosed the original copy of my credit report showing that it was one loan and then the paperwork from XXXX XXXX showing XXXX was forgiven and financial has not released Nelnet from my credit report they have to release them and they haven't done it which is causing me grave financial harm and causing my credit to be extremely low I would have a XXXX credit score if it was not for this happening it is affecting me and the way that I live and run my life I don't owe any loan money and borrowers the fence has reached out several times to add financial and nail that with no avail I don't owe the money
Product: Mortgage

SELECT PORTFOLIO RECOVERY SERVICING claim they want to foreclose on my property. 
To date they have yet to show that they are the originator on my mortgage. 
The original refinance was with XXXX XXXX XXXX who closed my account and the insurance paid for the loan. To my knowledge XXXX XXXX XXXX sold the mortgage as stock. 
XXXX XXXX XXXX also sold the collection to SELECT PORTFOLIO RECOVERY SERVICING -How can they sell my property as stock and mortgage at the same time??? 
-If it 's sold as XXXX and SELECT PORTFOLIO RECOVERY SERVICING claim to hold the mortgage on my property?? 
-SELECT PORTFOLIO RECOVERY SERVICING also has not answer my letters proving they hold right to force me to pay a mortgage. 
-In addition, SELECT PORTFOLIO RECOVERY SERVICING made back payment to themselves from my escrow account. I would like to know if it 's legal for them to use my escrow account to back pay themselves for collection payment on my mortgage. This happen while I was was renegotiating my loan with XXXX XXXX XXXX. From 2009 to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 furnished all the above information to XXXX, XXXX and Transunion and mailed and delivered it to them on XX/XX/2023. According to the law they should have all deleted every report I made in the identity theft report which I will attach. Only experian have done so. Transunion and XXXX have yet to delete it and its way past the 4 days.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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
Product: Checking or savings account

I sent money from my account to a contractor using XXXX. The phone number was wrong ( XXXX ) and so it was sent to the wrong person. That individual will not pick up their phone when called. I disputed the charge with US Bank, but they claim that the receiving bank refuses to return the money ( {$2000.00} ) so there is nothing they can do. I tried to dispute it as soon as the charge was made, and the money was unclaimed, but they refused to return the money to me and instead held a larger charge that I did not and was not disputing and sent the {$2000.00} to the wrong person after three days. This was three weeks ago and they have now stopped responding to me when I try to contact them.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XX/XX/2022 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Trans Union, XXXX, and XXXX have violated my rights. 

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 an 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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Account : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX, Account # : XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and p
urpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; XXXX  XXXX balance sheet ( XXXX # XXXX XXXX, XXXX, XXXX ), XXXX XXXX report, XXXX registration statement, XXXX prospectus, XXXX & XXXX call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s )  assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 
13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 
15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt, Dated this XXXX day of XXXX, 2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I was directed by Omega RMS LLC to contact XXXX, ( a debt collection servicer ) to pay off a balance on my credit report that is in collection. XXXX rep n I struck an agreement to delete the faulty account if I could pay XXXX which is less than what they said I allegedly owed. So I made the payment n was told XXXX XXXX  the account would be removed from my Credit reports.

However, what has happened is Omega has updated the amount to XXXX owed from XXXX owed n wont talk to me. It is now in XXXX XXXX my credit report is still affected n I have incurred damages n been denied credit to leverage out of my situation. 

XXXX know that the promised to have this resolved and send me a written letter but they have not done so. As of 2 days prior I was promised a email which I did not receive.