23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to Select Portfolio, Inc. to request specific itemized information about the accounting and servicing of the mortgage and of my need for understanding and clarification of various charges, credits, debits, transactions, actions, payments, analyses and records related to the servicing of the loan from its inception to the present date of my deceased mother XXXX XXXX XXXX. 


I also request that you conduct your own investigation and audit of my account since its inception to validate the debt you claim I owe you is accurate to the XXXX. Please do not rely on previous servicers or originators assurances or indemnity agreements and refuse to conduct a full audit and investigation of my account. 

To insure this, I have authorized a thorough review, examination, accounting and audit of the mortgage loan # XXXX. This exam and audit will review my deceased mothers mortgage loan file from the date of my initial contact, application and the origination of my loan to the present date written above. In addition I attached my mothers death certificate and is acting on her behalf as heir to the estate.
Product: Mortgage

XX/XX/ with approximately {$35000.00} left on my original loan. My Mortgage Loan was transferred to Green Tree Servicing LLC d/b/a Ditech d/b/a Shellpoint Servicing then Sold to XXXX XXXX XXXX. Green Tree Servicing LLC put my account in default the first month and foreclosure the 3rd month by withholding the first and all payments thereafter. I have been fighting the Lenders and the Court System for 9 years and have hit a brick wall from the highest level and from all angles. The Court System doesn't care if your signature and documents were forged by the Lenders. The Judges allows this White Collar Crime Foreclosure Fraud to use the Court System to break the law.
Product: Credit reporting

I have file a report with you to send to Equifax report # XXXX dated XX/XX/XXXX. 
Equifax Accepted and deleted the false report by XX/XX/XXXX. but I check my credit report again and the bankruptcy is reported back again .... and it is NOT MINE. please check the last XXXX numbers of the bankruptcy report attach it shows XXXX NOT MINE ... ... my last XXXX are XXXX WHY CAN THEY SEE THIS BIG MISTAKE THAT IS RUINING MY LIFE ... ...
Product: Student loan

I have a civil rights legal dispute with my school. The Federal Office of Civil Rights at the Department of Education is evaluating if I was discriminated or not. I complained because I consider I was dismissed under pressure by the school. I refuse to sign any document that allow them to say I was accepting that dismissal decision. The student loan management company, NELNET, is asking me for initiate the payments. I said to NELNET that I can not star to pay my student loan because I am consider myself still as student and I am waiting the decision by the Civil Rights Office at the Department of Education. But the loan management company NELNET continue flooding my mail and email with letters and threats. That is why I am complaining at the CFPB against NELnet.
Product: Money transfer, virtual currency, or money service

Bank of America closed my account after i got scammed on XX/XX/2021 i called them and told them about the transaction and they didnt stop or reverse the payment like i asked. They however let me file a fraud dispute because they agreed it was fraud then they denied me even after i had proof They scammed me out of money for a car. Told me they got the car from XXXX and they never did the car was smoking an hour later and almost caught fire they also sold phony tags which could have gotten me arrested i tried to request a refund on XXXX XXXX and he threatened me also gave me an altered phony title never told me the car was salvage or considered a total loss and never told me the car was in an accident this was never an as is sale i got completely scammed and i want my money back if possible. Ive had a good account standing with them and they didnt have my back they closed my account and didnt help me after this phony car company scammed me. i thought accounts were insured for up to XXXX this transaction was only XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a WEBBANK/AVANT credit card account appearing in my XXXX credit report that is not mine and I have no knowledge of it. This account was able to make a hard inquiry ( date of inquiry XXXX ) while my credit report was frozen, I called XXXX ( XXXX ) and they moved me between various levels of supervisors and no one could explain why this company was able to make a hard inquiry and open a new account for the first time when my credit report was on active freeze. With this inquiry the bank company ( AVANT ) managed to create an account that appears on my record. I called AVANT and there is no one with my information on their records ( NAME, SSN, DATE OF BIRTH ). There is a XXXX dispute in place ( I can provide case number if needed ) but XXXX has not resolved the problem and removed this account that is not mine. 

This account only appears in my XXXX report and its affecting my ability to make financial decisions severely. The other credit Bureaus XXXX and XXXX do not report this account as mine and as such their credit report is massively different from my XXXX XXXX. I am pleading for help with this situation.
Product: Credit card

Hi, I saw the news regarding XXXX XXXX. I believe I was the victim of the same problem except with Chase Bank. I was issues a Amazon/Chase credit card last week with a {$10000.00} line of credit. My account was not hacked and, since I closely monitor my credit XXXX Equifax, had no inquiries made or reported. Also, I 'm a XXXX year old male with an XXXX credit score, excellent financial health and currently have accounts and credit cards with Chase Bank.
Product: Credit reporting or other personal consumer reports

On around XX/XX/year> a secured credit card account was opened with XXXX XXXX XXXX Bank in the amount of {$1100.00}. The company is reporting the information on this account incorrectly stating a balance of {$190.00} is past due and the payment status is being reported as Collections/Charge off, Derogatory. The account has been paid in its entirety due to being reported as charged off as bad debt. Profit and loss write-off. The company has violated federal law listed below. Be advised this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed, and validation is requested. This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; Proof that the Statute of Limitations has not expired ; Complete payment history on this account along with an accounting of all additional charges being assessed ; Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or TransUnion ), this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within XXXX ( XXXX ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for attorney fees should I be forced to bring this matter before a judge. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Different late reporting dates. XX/XX/XXXX & XX/XX/XXXX on XXXX XXXX XXXX XXXX XXXX reporting on Equifax and XXXX. 

Four different address on my credit file.

Covi forbearance
Product: Credit card

I have a Sams Club Credit Card issued by Syncrony Bank. The account ends in XXXX. Today I logged onto the Synchrony web-site to check the statement balance on the card, I was unable to determine that information, though the current balance in prominently displayed. Unable to find the information, I call Synchrony Bank and spoke to a customer service agent. The agent, very polite, informed me that I could not see that information on the web-site, nor could she provide it to me by telephone, because I had not enrolled in e-statements. She did offer to mail me new statements that would arrive in 6-10 business days. While I do not know if this is a regulatory issue, it seems the intent of Synchrony is to withold information from clients who wish to continue receiving paper statements. Being over XXXX, I am not comfortable relying soley on this delivery method.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance to the Fair Credit Reporting Act 15 U.S. Code 1681a ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for credit ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 15 U.S. Code 1602 - Definitions and rules of construction ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was in the process of completing an approved short sale with Bank of America. The borrowers XXXX and XXXX XXXX were ordered to sale their home per their divorce decree. Bank of America released docs to the XXXX regarding the approval of the short sale on XXXX/XXXX/15. At this time they had an offer and issued a counter offer which the buyer accepted. As of last week XXXX all parties were waiting for the approval letter to be generated per the negotiator from BOA - XXXX XXXX. On XXXX without warning I received a message via XXXX that the file was scheduled to be released for service hold to XXXX XXXX. The buyer is CLEAR TO CLOSE.. Now his rate lock is in jeopardy and BOA will not return my phone calls, messages in XXXX that includes escalations. This morning I see the previous negotiator has been removed from the file effective today and XXXX XXXX is assigned. The ext of XXXX as listed in XXXX is not valid. I called and the system reported that the extension is not valid. They have ceased communications after approving the short sale and totally put this entire process in danger. The borrowers have NO knowledge of this transfer as they have not received any communications from BOA and XXXX does n't have the file in their system after referencing the SSN 's of the borrowers. Your immediate help is required to bring an end to fraud by Bank of AMerica. I am the realtor/negotiator submitting this complaint and have exclusively worked with Bank of America in this process.
Product: Debt collection

I am writing this letter to lodge a complaint against Velocity Investments LLC ( VIL ) for violations of the Fair Credit Reporting Act ( FRCA ) for its refusal to comply with its duties imposed by the law.

A. Company Contact Information Velocity Investments LLC ( VIL ) XXXX XXXX XXXX, XXXX, NJ XXXX B. Specific Complaint On or around XXXX XXXX, I filed for bankruptcy and subsequently, XXXX XXXX XXXX, ( UNI ) informed me that on or around XX/XX/2020, they had sold the loan to XXXX. I have attempted to correspond with VIL, pertaining to this matter but have thus far refused to respond. I have requested the following information : 1. Verification that VIL did in fact, purchase the rights to this loan on or around XX/XX/2020 and the amount paid for the loan ; 2. Since the transaction occurred after I had filed bankruptcy, I requested confirmation that UNI provided notice of the bankruptcy ; 3. Confirmation that they have received a copy of the bankruptcy discharge order ; 4. Confirmation that the debt has not been further transferred/sold ; 5. Confirmation that VIL is aware the debt is no longer a valid and collectible debt ; and 6. Confirmation that they are aware of the discharge injunction and that they will not take any action to collect the discharged debt. 

Despite several letters seeking this information, they have refused to respond.
Product: Credit reporting or other personal consumer reports

Company has refused to run investigations on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX even while reporting information clearly shoes fraud and is addressed to a location that is not on credit report. When asked to investigate issue company has stated meets FCRA requirements this is false as the address states XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address is not present on any reporting agencies and was clearly never in past or future. 
Company has violated 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable And should be held liable for all errors they continue to report
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed I had fradulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the pandemic I filed my taxes an for some reason I never received them in the mail because I lived in XXXX XXXX XXXX area behind a business. Because of it I could not pay the credit cards off so It was not my fault I couldn't make payments because I didn't receive my taxes
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXXXXXX XXXX, along with credit reporting agencies such as Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 US Code 1681 and Privacy act of 1974.

Additionally, I exercised my right to opt out of any and all authorization I, the federally protected consumer, may have given XXXXXXXX XXXX  and XXXX XXXX whether it be written, unwritten, verbal or nonverbal to report my information to a non-affiliated third party, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7- Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Consumer Report and that is XXXX XXXX XXXX XXXX, XXXX XXXX New Jersey, XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGEOFFS being reported on my consumer report from XXXX and XXXX XXXX, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : XXXX is aware and has proof in the attachment labeled as Exhibit XXXX. ( XXXX XXXX ) Account # XXXX, ( XXXX XXXX Account # XXXX ( XXXX ) Account # XXXX, ( XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX ( XXXX ) Account XXXX XXXX, ( XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit XXXX  are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Dear the " '' governor '' ''. I am **XXXX  XXXX** . Today i would like to repeat my report about incorrect information that exist in my credit account. I have been trying to contact you guys to have this problem fix but never see any changes. I notice that all of the names, addresses and employment information are inaccurate. I want to assure that none of these wrong information that are not belong to me or any of my business. I have listed below all the names, addresses and employment information that need to be corrected : ************************ *NAMES REPORTED* XXXX XXXX XXXX XXXX XXXX XXXX, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- **EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX ****ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX!!!!!!!
Product: Checking or savings account

The night of XX/XX/2018 two transactions of {$290.00} were made while I was at work in XXXX XXXX, MO. The deposits were happening in Georgia Eastern Time. Soon as I noticed the transactions I called my bank at the time, Bank of America, and told them it wasn't me but yet they closed my account and stated that I was committing fraud. It's completely impossible for me to be in two places at once and I provided them with my bank statements that prove that I was making transactions that same day. Ever since that happened I haven't been able to obtain a credit card or open any accounts due to the fact that Bank of America put the cause of my closed my account as fraud. I've tried to dispute multiple of time I believe they aren't taking the time to truly look at my account and also the evidence to see that it wasn't me, which brings me to this point that they weren't doing their job which is obvious due to the fact that they have a class action lawsuit versus XXXX XXXX at the moment for not keeping his account safe. I am a victim of negligence and this isn't right. At the time I was 20 years of age and supporting myself and thinking about how I was going to establish credit but all of that ceased when Bank of America didn't want to protect me and my account. I want the status of account to change so I can start my life.
Product: Mortgage

In the beginning of XXXX XXXX I initiated contact with Chase Bank, the holder of my other mortgages, to refinance my personal home in XXXX, Ca. A loan officer with the name of XXXX XXXX XXXX took my call and after a discussion he quoted me a reasonable rate for a 30 year mortgage. My ratios without a resent paid off mortgage are 24 % over 44 % with a credit score of over XXXX. 
After XXXX XXXX requested all of my financial information he sent me an email indicating that Chase could not do the loan because my ratios were too high. 
I tried to explain how I had computed my ratios and he told me to send him more information and he was going to get back to me. After a few days went by and no response I tried to contact him via e mail and phone, but still no response. I then tried to contact his Manager via phone but after a few days still no response. Afraid that my financial info I decided to check to see if I was indeed dealing with Chase. I searched XXXX XXXX 's XXXX # XXXX as stated in his e mails, that number belongs to someone else. I then contacted the corporate office and they told me I was indeed dealing with Chase and they gave me XXXX XXXX 's NMLS # which appears to be correct. I then asked to have XXXX XXXX to call me regarding my loan. Through their in house email XXXX XXXX stated that he was call me within 30 mins. Three hours went by and His Manager XXXX XXXX called me to tell me that because XXXX of my business had a loss in XXXX they could not use any of the business income for qualifying and my ratios, according to him, were over 58 %. I went back through all my financial data and removed my XXXX business income from the equation and after removing the paid off mortgage I notified XXXX XXXX via e mail of my computations and asked him to review such because my ratios are within industry standards. I have XXXX, rental and business income. My ratios without the business income are as explained above. I asked him to work with me to give me options. i.e., bring the balance down, buy the interest down etc. and to this date still no response from XXXX XXXX. XXXX XXXX, XXXX I receive an e mail from XXXX XXXX stating that my loan documents were going to be available in their system for 10 days. I tried opening the e mail but was given an error message. I tried to contact him via e mail and phone to tell me if the loan was still in process and to help me open the email.. No response. His email now shows another XXXX number XXXX. This number belongs to someone else. 
All I want to know is if they are going to be able to refinance my house and why this gentleman is sending correspondence using other peoples XXXX numbers.