23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2023, I obtained a pre approval from XXXX XXXX with Southern Trust with all of my current financial information to include a rental property. The lender pulled my credit and ran the ratios and assured me that this would be a loan they could make. 

The pre approval letter was generated and made a condition that I have to sell my current principal residence. Now 60 days from closing, the lenders assistant XXXX states that we have to sell our rental unit or pay an additional XXXX before we could process the loan. 

I don't understand how the information remained the same, and now they are requiring all of these to get my loan closed. I will not work with a company that engages in deceptive business practices. If this loan could not be made without the selling of my rental unit that has over XXXX in positive equity, i would have like to have been told that in the beginning. 

I also never received a loan estimate and as i think about it now, this company is not even accredited by the XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission, filed a complaint, contacted the police department, and obtained a police report, which both are attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account number XXXX Account number XXXX REPORTING-Status Open. {$930.00} past due as of XX/XX/2023. STATEMENT REFLECTS PAST DUE OF Pay This Bill : XXXX FIXED RATE LOAN XXXX Bill is past due Your minimum payment includes a past due amount of {$2800.00}. Please make a payment now. 

To avoid additional late fees and further impact to your credit history, you must pay the full minimum due by your next payment date. 
This is an attempt to collect a consumer debt and any information obtained may be used for that purpose.

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Credit card

Subject : Request for 1099-C Form Account Charged Off To Whom It May Concern, I am writing regarding an account that appears on my credit report under your companys name and is marked as a charge off. This indicates that you reported this balance to the IRS as income due to cancellation of debt. Pursuant to this status, I am formally requesting a copy of IRS Form 1099-C ( Cancellation of Debt ) for my records.

On my credit report, it is indicated that this account has been charged off, suggesting that the debt has been canceled and reported as such to the IRS. If this is correct, a Form 1099-C should have been filed and provided to both me and the IRS as required by law. Please provide me with a copy of this 1099-C form, as this is necessary for my tax records. 

If you do not provide this form or can not substantiate that this account was properly reported to the IRS, I will consider taking legal action for statutory damages and potential fraud. Failure to provide accurate documentation may be a violation of both federal tax law and credit reporting standards. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation within 15 days.
Product: Payday loan, title loan, personal loan, or advance loan

I requested a payoff on XX/XX/XXXX as the sale of our home was in escrow. The sale was taking a bit longer so I contacted Wilshire again on XX/XX/XXXX attached to this email. Payoff quote was for {$9600.00} as stated on payoff letter with Wilshire. On XX/XX/XXXX I called Wilshire to get an updated payoff which was then given to me verbally in the amount of $ XXXX XX/XX/XXXX, I received a call from Wilshire asking for a payment, I told the Wilshire that the payoff was sent out on XX/XX/XXXX. The representative then researched and said the cashiers check is there, it just takes a few days for Wilshire to process it. On XX/XX/XXXX, I received a call from Wilshire stating that I have a balance of {$330.00} due to interest accruing that they delayed processing the cashiers check on. The representative argued with me and stated " If I mailed a check out to them, then I should have known that the bank places holds ''. In turn I informed him there was NO hold due to this being certified funds in form of Cashiers check. I also told him in viewing their payment history sent by them along with the payoff statement. Payment history shows them adding interest in the amount of {$430.00} on XX/XX/XXXX which was several days after they received the payoff check. That payoff cashiers check should have been immediately processed and I should have a XXXX balance. I also want to make sure this company has NOT hot my credits with any lates due to their predatory lending procedures and not posting my payoff until XXXX  days later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX  has ignored my request to provide me with the douments that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be cerified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My sister XXXX XXXX applies for a car loan, and I was gon na co-sign for her. 

I ask them to only run my credit one time, but they ended up running it six times. 

This is the Infinity dealership in XXXX MD. 

I need to know how to fix this?
Product: Debt collection

Cedar Financial claims that I, XXXX XXXX, owe them {$430.00} ( recently reduced from {$970.00} ) in alleged traffic violations that supposedly occurred in XX/XX/XXXX in XXXX, XXXX. 

I did not receive any notification of these infractions unlit Cedar Financial reached out to me in XX/XX/XXXX. More than XXXX years after the alleged infractions. 

My concern is that I had no opportunity for due processes in any XXXX legal system before being found guilty. I do not believe that Cedar Financial has any legal grounds to collect these alleged fines. 

Allowing private XXXX debt collection firms to collect debt on behalf of notably less than perfect foreign governments, without due possess that is guaranteed me under the 14th Amendment and that is also guaranteed all those traveling to the XXXX under the XXXX XXXX XXXX XXXX XXXX, Article XXXX, is setting a dangerous precedent. 

I was advised make you aware of this occurrence and will also be seeking advice from the XXXX office. 

Cedar Financial did provide some documentation and the name of a Compliance Manager, XXXX XXXX. Her telephone number is XXXX. 

I support this claim with the attached documents. 

Files # 's XXXX, XXXX, XXXX.
Product: Debt collection

I dealt with this company almost 19 years ago and now they are contacting me again. They use the name XXXX, but represent many different collection agencies. They try to collect debts of deceased relatives. A debt of my late husband 's ( deceased 2004 ) keeps getting sold over and over. The debt was from a car he ( not me ) owned at the time of his death. The car had to be sold at auction and the dealer/bank did not get the value they needed. My name, social security number, employment, NONE of my information was used to apply for the loan or purchase the car. The car loan was applied for ONLY by my deceased husband! At one point I had to hire a credit attorney to issue several cease and desist letters. ERC uses threatening language and tell you you have to sell your home and they are going to come and put a For Sale sign in your yard if you do not pay them. They ask what assets you might have that you could sell or borrow money from others or they will begin contacting your children, employer, etc., etc. They are PREDATORS!! PREDATORS!! PREDATORS!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending in this message because as I am going over my credit report, I've noticed that over a year ago that I had a lot of weird inquires from multiple financial institutes and agencies that I am not aware of. Some that I noticed were on one credit report but not on others and they happened over a span of a month, which is very alarming. It was brought to my attention when I went to go purchase a vehicle back in XXXX of XXXX and they told me that you have a bunch of random inquiries that brought my credit score down. It alarmed me because I only have been working with one place and they didn't request all of these inquiries, so I did some research and called around. Some of the places didn't know who I was when I asked and some places said that they pulled up my info but don't have any identification as if I was trying to get a car, which didn't help me at all trying to remove them after I asked. This caused me to put a freeze on all of my credit bureaus for some time as I am trying to make sure everything is accurate with my credit reports. 

At this point, all i am asking is for these fraudulent credit inquiries to be removed from my credit report as I am not responsible for of these inquiries and I've tried to reach out to the agencies to get them removed and explained that they aren't mine. I am going to be listing all 3 credit agencies/date/company to show the discrepancy of the reports and fraudulent inquiries. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove these credit inquiries as I didnt apply for any of these loan services or financial institutions.
Product: Credit reporting

In XXXX, I missed a payment on my mortgage due to a miscommunication between my wife and i. We are in the process of switchign jobs and relocating, and the issue just slipped through the cracks ... we each thought we had paid the bill. When we realized this mistake, we called XXXX and apologized, and rushed a payment. XXXX at the time told us that they would not report to the credit agencies since we had been on time for so long. 

Last week, i checked our credit reports and learned that us bank had in fact reported it. I called us bank, who said they were unwilling to correct their mistake, and they would not honor the promise they made to me when i called in XXXX. 

My own opinion is that this is a prime example of the banks punishing a consumer unnecesarily when they are trying to do the right thing, and I would like XXXX to rescind the report, and for experian to re-calculate my credit with a good payment record. 

Also, as a side note, we have paid this mortgage on time for many years.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The Credit Reporting Bureaus such as : XXXX, Transunion, and 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 purpose.
Product: Credit reporting or other personal consumer reports

In XXXX, I contacted LexisNexis to dispute fraudulent information on my consumer report related to accounts and inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXXXXXX XXXX XXXX XXXXXXXX. These accounts were opened fraudulently using my Social Security number without my knowledge or consent. 

I am a victim of identity theft, as documented in an FTC Identity Theft Report and a police report ( XXXX  Case # XXXX ). Despite providing detailed evidence and requesting the removal of fraudulent data, LexisNexis has failed to remove these items from my report. 

The fraudulent account with XXXX, for example, shows a balance of {$3600.00}, and was opened on XX/XX/XXXX at a car dealership without any verification of my identity. I have taken numerous actions, including disputing the accounts with LexisNexis, XXXX, and credit bureaus, and providing all requested documentation to prove the fraud. 

LexisNexis has violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and remove fraudulent information, as required under Sections 605B and 611. Their inaction continues to harm my credit and financial reputation. 

Actions Taken : Submitted identity theft and police reports. 
Contacted LexisNexis in XXXX to request removal of fraudulent accounts. 
Disputed the fraudulent accounts with creditors and other credit bureaus. 
Resolution Requested : I request that LexisNexis immediately remove all fraudulent information from my consumer report and provide written confirmation of its removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Onemain and One main financial changed. When they changed, they reported twice to XXXX. 
One main financial eventually deleted from my report, however, Onemain reaged my account that now shows 1st delinquency in XX/XX/XXXX. The first delinquency was XX/XX/XXXX and no more payment were ever made. It is now over seven yrs since I quit paying, yet Onemain refuses to accommodate. 
I have attached a copy of my report from both companies showing that one main changed my acct number and reaged the debt. 
I have made numerous attempts to get one main to delete the account with no success, including filing 2 disputes directly with XXXX, contact by mail, and fax.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$9000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

disputed to XXXX via XXXX XXXX. Not my account
Product: Debt collection

Hi ... this is in regards to medical collections debts from XX/XX/XXXX or XX/XX/XXXX that show up on my credit report. About 4-5 years ago when i first checked my credit report..i saw these charges and was in shock!! ... I know that i did get medical attention at XXXX XXXX Hospital in XXXX, Ca. ( where i live ) and was covered with Medi-cal Insurance ... ..so i called the hospital to see why I was in collections and they had no knowledge of me getting any bills ... so i called the agency from my credit report and the guy said its from hospital bills and that just because i had a government Medi-cal insurance didn't mean they cover everything ... I asked him why I had never received any bills and he didn't know why..I confirmed my address and I asked him to please send me all the bills. He was very rude and said he would but he never did. I ended up calling my social worker and she did verify that I was fully covered with no share of costs and to call XXXX, Ca where there main headquarters are located because there computers only went back to 4 years..however being on hold for almost 1 hour I gave up. Now I am trying to get a loan for a home and all those fees are showing up and making it very difficult to be approved so my mortgage broker referred me to your organization for help ... please see my attached credit report that was just sent to me from my broker..thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit of Truth Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done DEPTEDXXXX  can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If DEPTEDXXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Mortgage

The night of XX/XX/XXXX I started an application for Amerisave. Before completing the application I was asked to pay {$540.00} for an appraisal. I messaged XXXX XXXX about it and she stated that is something I will have to do to proceed with the application. So I did so. I proceeded with the application and uploaded documents from the tabs they brought up. I mentioned prior to applying to XXXX XXXX that I need to get a pre-approval in writing and a letter of guarantee so that I know I will be able to receive a mortgage. I have yet to receive any letter for anything Ive asked for. But Im asked to keep uploading documents. I recently let them that they are in violation. I know there was a lawsuit in XXXX about this. It appears that they are still doing the same things as they were from seven years ago. I refuse to be another victim. I have consistently reminded XXXX XXXX and XXXX XXXX that I request to have a letter of approval in writing. Their portal does not allow me to see what I have uploaded nor see a pre approval letter for me to print out. Two days ago XXXX XXXX mentioned that if I upload my school info and my W-2 that I would be able to get a letter and I did so and I still dont have anything because XXXX XXXX was to clear credit and income. Please address this as I am trying to get my {$540.00} back. I have no information as to where my progress is with them and I find it unprofessional.
Product: Checking or savings account

I'm in process of applying for mortgage and a co-op purchase, and the mortgage lender and the co-op board have requested a copy of a financial statement for my CD account at BMO Bank N.A., as a part of my asset verification process. 

The statement was not readily available at the website, so I have contacted the customer service for some type of statement, verification of deposit, or any documentation that verifies my current balance and maturity date. However, BMO is unable to accommodate this simple request, so I can not make further progress on my mortgage/home purchase unless I close the account early and pay the early penalty so I can transfer the funds to another bank account where a statement can be readily produced. My mortgage lender says they should be able to provide some type of documentation, like even a quarterly statement, but BMO would refuse to provide this simple document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a dispute with Experian for a XXXX bank account # XXXX XXXX 2023 and I called them because I received a message saying that the dispute was ready and that it was confirmed that it was mine and I asked them to send me the paperwork that they received they said that they already sent it when I didnt receive nothing by mail so I said if they could send it again and they said that they could not send it again so if you could help me resolve this problem please
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were 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. The items listed below were not mine : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -.