23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have submitted numerous issues to Specialized Loan Servicing and continue to have complaints joined together with the same responses and not addressing the problems as they are presented. The situation is serious as SLS is illegally demanding a monthly payment in the name of XXXX XXXX XXXX XXXX XXXX XXXX that has no interest or claim to our home. There is no legal document that supports their claim after numerous repeated requests for documentation. We have been provided an alleged XXXX assignment that is a COUNTERFEIT paper signed by XXXX XXXX XXXX employees without XXXX issuance of a Corporate Resolution granting limited authority as signing agents and without XXXX Corporate Seal. This paper violates XXXX requirements for assignments as described in the XXXX Manual. The agreement is not the one signed at closing, You refuse and ignore any effort to allow us to personally view the " ORIGINAL '' agreement you say is kept by the custodian that you repeatedly refuse to identify. XXXX does not have any right to be paid money they have no claim to and you have no right to demand payment for them. The only alleged document that has been provided is a counterfeit paper that was produced to illegally assign interest seven years after the trust has been closed, such a desperate attempt to take my home after the mistaken identity that I filed bankruptcy and I did not. We want to see the " ORIGINAL '' note! what are you hiding?
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. The following accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Mortgage

Financial Freedom LN   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  CA  XXXX  We have requested a copy of the appraisal that had been used to value this property multiple times. We have requested it 3 times directly from the negotiator,  XXXX   XXXX .  Two t imes via email and once via phone call. She has completely ignored our requests.     We have also called in t o Financial Freedom a nd they have outright refused to provide a copy of the appraisal.     Refusing to provide a copy of the appraisal used in a value decision is a direct violation of the ECOA guidelines ( a copy is attached to this complaint ).     We believe there has been valuation fraud on this file, an d Financial Freedom is r efusing to provide a copy of the appraisal, as per ECOA guidelines.     This property is  a Mobile Home on a Cinderblock Foundation and Financial Freedom  is hiding the fact that they have accepted a value on it that compares it to a single-family residential property. The value that  Financial Freedom  has come up with are in line with the market comparables for Single-Family residences in the area. This value is NOT in line with market comparables for a  Mobile Home on a Cinderblock Foundation .     Again, this property is NOT a  Single-Family Residence. It is a Mobile Home on a Cinderblock  Foundation. Any value that would have been arrived at by comparing this Mobile Home on a  Cinderblock Foundation t o a Single-Family Residence is FRAUD.      Financial Freedom  has either  1 ) either committed the fraud on purpose, 2 ) wer e too stupid to review the appraisal, or  3 ) they hired an  XXXX .      None of those are acceptable excuses for  Valuation Fraud .     We believe thi s Valuation Fraud is  being done on purpose to defraud the Federal Government and t he US Taxpayer.      Als o, Financial Freedom is  claiming that the foreclosure auction will take place on  XX/XX/XXXX . We have checked wit h the county and a Notice of Trustee Sale  has not been recorded. Not only that, but the seller died in  XXXX  of  XXXX .  ( See attached Death Certificate. ) T here is a 12 month moratorium on foreclosing on the property of a deceased person. That means the Estate of the Deceased has 12 months to sell the property before the foreclosure proceedings can even begin. The original estimated foreclosure date on this property was in  XXXX   XXXX . That means that  Financial Freedom st arted the foreclosure proceedings in  XXXX , as soon as they found out he was deceased. THIS IS ILEGAL.  Does Financial Freedom  plan to Illegally Foreclose on the property?
Product: Credit card or prepaid card

I keep receiving mail from Synchrony bank in the name of XXXX XXXX for the amount of {$6400.00} for a card I never opened. 
My name is XXXX XXXX and I have never used the name XXXX. 
I spoke with a XXXX from Synchrony Bank who stated that the card was opened in XXXX of 2019 through Paypal credit. 
I did not open this card. 
I have filed a police report with XXXX Police Department where I live. Report number : XXXX. 

This fraduluant account is affecting my credit score.
Product: Debt collection

A person named ( XXXX XXXX ) has repeatedly called me to collect an old payday loan that I had tried to pay off. When I realized I could n't pay the loan i made arrangements with Check N Go to pay so much a month over a year ago. After a few months I forgot to pay and did n't hear from them until recently. 

When I told XXXX XXXX that I was on Social Security and VA XXXX and am unable to repay the loan we made an agreement that I could pay {$25.00} a month begging XXXX 2015. I told him I would pay when my check came in. 3 days before my direct deposit came in he ran the check through my account over drawing it and costing me {$140.00} in over draft fees. When I contacted XXXX XXXX and complained he acted like he did n't care and told me he would repeatedly run the check through. I made arrangements again to pay on the XX/XX/XXXX and again he ran the check through the account causing overdrafts 3 days before the XX/XX/XXXX. 

Since that time I closed that account and now I am getting threatening and harassing phone calls. After several attempts to inform XXXX XXXX that I was not able to pay he started calling my family. First he called my XXXX year old dad, then my son, and today my wife at her work
Product: Credit reporting

Sent letters to Experian disputing the inquiries on my credit profile. Experian could not provide proof with my signature signing up for any of theses creditors services. All of the following inquiries are inaccurate and unauthorized : 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
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. 
They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please DELETE the item, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX multiple times in regards to this vehicle on my consumer report. I XXXX XXXX, natural person and consumer has stated that myJeep is paid for free and clear. XXXX company continues to run my credit score into the ground because inaccurate information. XXXX credit union refuses to release my title although they do not have any verifiable documentation to prove they actually loan me money. This issue has caused a big hardship on my family because we can not get a home due this destroying my credit. XXXX has no right to place this information on my consumer reports when I have informed them that it is inaccurate.
Product: Credit reporting or other personal consumer reports

ACCOUNTS : ( Original Creditor : XXXX  ) XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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 information is inaccurate. 

XXXX and XXXX accurately deleted this erroneous account from my credit report. Please do the same or I will have no choice but to hold your agency liable for slandering my credit worthiness. I will exercise my rights under 15 USC 1681n and 15 USC 1681o of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Student loan

In XXXX I obtained a private student loan from Navient ( formally XXXX ). I had to apply for a private loan because my ex wife was XXXX with my son and she could no longer work. I had to use my ex father- in- law to co- sign the loan. They promised to take him off the loan after two years as well as consolidate my loans. Its been over ten years and Navient has never helped me in any way. For 7 years I never missed a payment and during the economic downturn in XXXX I lost my job and since then I 've never been able to recover. For all those years I paid {$320.00} every month for both my federal and private loans and now in recent years I have to pay $ XXXX month even though I 'm earning a fraction what I was earning before. They refuse to assist me with reducing my monthly payments or in any other way. They have made the payment process extremely confusing over the years. One representative would tell me one thing then another would tell me something totally different. I simply can not pay {$500.00} per month! I earn minimum wage. even if I 'm a day late with a payment, they call my ex father- in- law numerous times a day and harass him. He 's an elderly man and it XXXX him out. I feel so helpless in this situation! 
Its also obvious that Navient has not been applying my payments to my loans. I have a billing summary from XXXX where my balance is {$25.00}, XXXX. 
My current summary states that I owe {$24000.00}. After making payments for almost three years, my balance has gone down by a mere {$1000.00}. How is this possible? I really want to do the right thing here and pay off the loan but {$500.00} is way too much / month on my salary. I do n't know what to do. I just want them to reduce my monthly payments and leave my ex father-in-law alone.
Product: Credit reporting or other personal consumer reports

I was reviewing my consumer report and noticed some accounts that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out trying to clear the charge off from XXXX  on this one Suncoast Credit Union personal loan to all 3 bureau 's. It was beginning of Covid XXXX, got behind on simply one personal loan. When I find out they charged off the load against my credit, I immediately paid the entire balance off on the loan and it has a XXXX balance. This is affecting my credit rating, there is a XXXX balance, i need this removed please asap. 

I added a screen shot of the XXXX balance on the loan on my XXXX XXXX credit report snip it. Please get removed off my personal credit.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX  for the egregious violation of multiple consumer protection statutes. This complaint pertains to the unauthorized opening and reporting of a credit account in my name, which has caused significant financial and reputational harm. 

Details of the Fraudulent Account : Account Number : XXXX Balance : {$690.00} Date Opened : XX/XX/XXXX Status : Closed - Account charged off. {$690.00} written off. {$690.00} past due as of XX/XX/XXXX. 
Credit Limit : {$500.00} Last Payment Date : XX/XX/XXXX Balance Updated : XX/XX/XXXX Credit Usage : 139 % Legal Violations : XXXX. Fair Credit Reporting Act ( FCRA ) : Section 605A ( Identity Theft Prevention and Mitigation ) : Mandates that credit reporting agencies must block the reporting of information resulting from identity theft. XXXX XXXX XXXX XXXX  failure to address the fraudulent account after multiple disputes is a clear violation of this provision. 
Section 611 ( Procedure in Case of Disputed Accuracy ) : Requires a prompt and thorough investigation of disputed information. XXXX XXXX XXXX XXXX  has demonstrably failed to comply with this legal requirement, resulting in continued reporting of inaccurate and fraudulent information. 
2. Truth in Lending Act ( TILA ) : Regulation Z ( 12 CFR 226 ) : Obligates creditors to ensure the accuracy of billing statements and to investigate unauthorized transactions promptly. The existence and reporting of the fraudulent account violate these provisions, as I did not authorize the account in question. 
3. Gramm-Leach-Bliley Act ( GLBA ) : Safeguards Rule : Requires financial institutions to implement measures to protect the security, confidentiality, and integrity of customer information. The fraudulent account indicates a significant breach of these obligations by XXXX XXXX XXXX XXXX. 

Attempts to Resolve : Despite my multiple good-faith efforts to resolve this matter directly with XXXX XXXX XXXX XXXX  XXXX XXXX formal disputes and requests for investigation, the bank has failed to take appropriate corrective action. This inaction exacerbates the harm caused by the initial fraudulent activity.
Product: Credit card or prepaid card

Discover Card balance transfer balance was due XX/XX/XXXX. Paid in full, posted XX/XX/XXXX {$4400.00}. They applied payment to another balance transfer that was expiring in XX/XX/XXXX and the balance transfer that was due XX/XX/XXXX was changed to purchases at an interest rate 15.5 % and now 17.24 %. Their explanation is a policy that doesn't exist in the balance transfer agreement nor statement how they apply payments. Our position is per agreement and statement we paid the balance transfer prior to expiration. Their policy due to automatic payment of {$300.00} was applied to the 0 % balance transfer first, then the next highest was 4.9 % which they applied to balance transfer expiring XX/XX/XXXX. Thus the balance transfer we were paying is now XXXX %. They are taking advantage of policy not written in transfer agreement or on statement. Should be illegal since it takes advantage of consumers.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report regarding an account reported by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and verifiable reporting. Below, I have outlined the specific issues with this account : 1. Inconsistent Comments Across Credit Bureaus : TransUnion : Closed. 
XXXX : Subscriber reports dispute resolved - consumer disagrees. 
XXXX : Closed or paid account/XXXX  balance. 
These inconsistencies in comments create confusion and may mislead lenders about the status of the account. 
2. Late Payment Reporting on a Closed, Paid Account : The account has a {$0.00} balance and is marked Closed or Paid across all bureaus. However, the payment history shows multiple 30-day late marks, which is inaccurate if the account is resolved and paid off. 
XXXX. Failure to Update or Resolve Dispute Comments : The comments reflect ongoing disputes despite the account being marked as resolved and closed. This misrepresentation may harm the creditworthiness of the consumer.

4. Inconsistent Reporting Across Bureaus : The Last Reported dates differ : TransUnion and XXXX : XX/XX/year>. 
XXXX : XX/XX/year>. 
While minor, this discrepancy shows a lack of synchronization and proper updates across the bureaus. 
XXXX. Contradictory Payment History : Despite the account being marked as Current and having a {$0.00} balance, the payment history contains 30-day late marks. If unverifiable or inaccurate, they violate FCRA requirements. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit bureaus are required to ensure the information they report is accurate and consistent. The discrepancies in dispute comments, payment history, and reporting dates violate this standard.

2. 15 U.S.C. 1681i ( a ) : Failure to Conduct a Proper Investigation : If disputes have been filed and the information remains inaccurate or unresolved, the credit bureaus may have failed to investigate and correct the errors properly.

3. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor ( XXXX XXXX ) may have provided inaccurate or misleading information regarding the payment history and dispute resolution.

4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : If the late payments are outdated or unverifiable, they must be removed from the report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX EXPERIAN Eperian, XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report. Upon reviewing the report provided to me, I noticed that there are errors regarding my name. The inaccuracies are as follows : Incorrect Names listed under my personal information section are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX I would like to request that these inaccuracies be promptly corrected. The correct information is as follows : Correct Name : XXXX XXXX I understand the importance of accurate reporting and how errors can impact my financial standing. Therefore, I kindly ask that you investigate this matter and make the necessary corrections as soon as possible. Please provide me with written confirmation once the changes have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a mail regarding identity theft and fraudulent accounts on my credit and i got a mail today stating that " i was not the one who sent that mail ''. I feel as though this is ridiculous. I spend weekend gathering all the documents to receive a mail like that. I am extremely upset. I've been trying to fix this issue for a while now and nothing. These accounts listed on my credit report are not related to any transactions done by myself. I have attached the FTC report along with my drivers license
Product: Money transfer, virtual currency, or money service

XXXX XXXX approx XXXX XXXX received a call from a representative of my bank XXXX XXXX Told that my XXXX account was compromised. Told that all my accounts were flagged. Told that the bank was under investigation and that I could not contact the bank directly because they were being watched on the camera and that my SS # was being sold on the black market. I asked him for verification and he said to check the phone number on the back of my bank card and that it matched. As he sent me emails everything was the same. He said the only way to correct the XXXX account was through PayPal and Venmo. As charges appeared I was told that I would have to accept them in order for him to have the authority to reverse. He continued to tell me that I was on a recorded line. Nothing seemed suspicious at this point. He told me to go to the bank and that I couldnt talk to anyone because the police were coming that day to bust them for internal fraud and that my account was flagged. As I was told to close out my account and he was going to open a safe account t for me. This is after all the charges on both PayPal and Venmo were charged. He claimed I had to accept them and then he had the authority from XXXX XXXX  and PayPal to reverse them. Because I had checked the phone numbers and email at this point I was cooperative. Once we went to deposit cash into the new safe account I became suspicious. Finally I said were done here I hung up. He tried to call back several times. We went immediately to a XXXXXXXX XXXX and froze accounts. I was able to cancel all but one charge and after telling all this to PayPal and after they views all the other charges to the same person and that I had cancelled they claim that this charge was not out of the ordinary the remaining shortage on PayPal is XXXX. I was able to get the charges taken off Venmo but PayPal is not cooperating. This scammer was able to get XXXX charged on my Venmo. I tried twice to appeal my case with PayPal but to no avail. I am a senior citizen and can not afford this charge. Please help.
Product: Money transfer, virtual currency, or money service

I when to use my card. They said my account got locked because I made two accounts but they were both mine and Ive verified my identity it 3 times now