23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX XXXX is the loan processor for my mortgage. However, the owners of the note is Bayview Loan Servicing, now Community Loan Servicing. I am a XXXX XXXX  and XXXX one of the XXXX in my XXXX building in XXXX XXXX CA. My day job is professor of XXXX, so I am far from wealthy. I live in a poor part of XXXX XXXX and I serve the housing needs of 4 minority, low-income families that have been in the building for years. After the pandemic started, my tenants had trouble paying rent, and I had to ask XXXX XXXX XXXX for a forbearance starting from XX/XX/2020. They consented. 

In XX/XX/2020 I submitted the paperwork request by XXXX XXXX XXXX to initiate a loan modification. After many calls with disparate customer service agents and many hours on the phone with XXXX XXXX XXXX, I was able to ascertain that the final decision rested with Community Loan Servicing. After many more hours on the phone with their customer service agents, I was referred to XXXX XXXX XXXX XXXX, XXXX ) who never answered the phone and didn't answer my voicemail messages for weeks. When he contacted me, he did so just to tell me that my account was under XXXX XXXX ( XXXX ). I was able to speak to XXXX XXXX twice on the phone in XX/XX/2020. He said that Community Loan Servicing was not capable of handling deferments at that time and that I had to wait for them to be able to do so, thereby depriving me of my rights under the law. I told him that I had the right to apply for a loan modification under the law but he dissuaded me from doing so. I then requested to speak to his supervisor. He said he would put me in touch with that individual, but never did. He also refused to give me his telephone number, and has been unresponsive to my numerous emails ever since. 

Because of XXXX XXXX neglect of duties and unresponsiveness, I am unable to proceed with my loan modification. I am accumulating massive amounts of debt and I am afraid I will lose my building, but I have no one to help. I am asking you to please intercede for me with Community Loan Servicing so that I may be able to proceed with the loan modification I requested.
Product: Checking or savings account

I have had money here for a couple years, seemed fine. I have moved large amounts to and from Marcus / Goldman Sachs before with no problems. 

But in XXXX, XXXX they locked my account for no reason ( had not been linked recently nor used in any way ). When I called to unlock, they spent half an hour telling me they couldn't figure anything out, then tried to transfer me and hung up on me instead. After another 45 minute call, the finally got me to a department that claimed to be doing a security check by sending me a code to a phone number -- that they asked me to give them. ( I could have been anyone! ) I gave them my number ( it's on the account ) and they said their service would not send a code. Just wouldn't do it. That makes no sense, I told them, I've gotten security codes from Marcus on that number for months. 
I asked them to send a code to my email on record ( a standard fallback for most banks ). They said they could not do that. They offered to send the code to a different phone number! ( Awful security practices! ) I gave them my wife 's. Their system would not send a code there either. 
To fix things, they say I have to fill out a notarized form ( they won't send it via email for printing, only snail mail ) THEN get it notarized, they mail it back THEN wait a few days THEN call them back again and go through all that and hope someone will actually unlock the account. Then I have to hope I can move the money out without their shutting the account down again. Given their complete lack of knowledge about the account 's status and their own procedures, I am not confident this will be resolved in a timely fashion.
Product: Debt collection

I am writing to express my deep frustration and dismay regarding your continuous denial of my legitimate identity theft claim. Despite providing clear evidence, including a Federal Trade Commission ( FTC ) Identity Theft Report ( Report # XXXX ) and a police report from the XXXX XXXX Police Department ( Report # XXXX ), you persist in violating my rights by refusing to acknowledge and address the fraudulent accounts on my credit report. It has been over a year since I initiated this dispute, and the fact that it remains unresolved is not only unacceptable but also a direct violation of multiple laws governing consumer rights and fair credit reporting. I am left with no choice but to bring this matter to your attention and issue a final warning before pursuing legal action. Your refusal to take appropriate action not only disregards the evidence I have presented but also demonstrates a willful violation of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I demand, in no uncertain terms, that you promptly and thoroughly investigate my identity theft claim and take immediate steps to delete the fraudulent accounts from my credit report. Accounts : XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removal of the inaccurate information about my inquiries has not been given any attention by Equifax Credit Bureau. Sending them a Complaint last time and i have not received any response up to this date. Therefore, Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here are the list of the following Inquiries and need to remove completely from my Credit Report. 
XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2018, I have sent numerous letters, emails, contacted collection agency directly. 
What happened ; I was notified by several institutions of credit and security breaches : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 

My complaint is regarding a collection agency LVNV that is causing me harm due to collections in my credit report. My score is 23 points lower. 
I in writing clearly explained to the collection agency and requested a contract signed by me re : these debts. 

I have been damaged/harmed by their actions during the Covid Pandemic! I have been denied access to needed assistance due to  these collections, that are erroneous. This is a malicious collection agency and I am researching resources with the Attorney Generals office as well. I kindly requested complete removal of these collections on countless occasions! I asked them kindly to please remove them, as we are in unprecedented times and all resources are needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( 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 ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include
Product: Debt collection

Threatening to or stating that I have a lawsuit against me in federal court by email. Also called over the last 6 months posing as the XXXX County Sherriff 's office, stating that they are going to file a warrant on me that day and have me arrested at my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried reaching out to US Dept of Ed after my mortgage loan advisor told me that my account is showing past due. It appears that XXXX is mistakenly reporting the account as past due when really all of my accounts are current. US Dept of ed is stating that they dont see the error on their side so i need assistance having this updated.
Product: Mortgage

This is the second complaint against SunTrust Mortgage. In our first complaint, servicer in a unilateral decision changed terms of our mutual loan modification reached in XX/XX/2015, increasing my rate and switching the same from fix to an adjustable. This original complaint was resolved, but now Suntrust Mortgage is wrongfully calculated the monthly dollar amount on my interest payment for the next 20 years remaining on my mortgage. 
As result of this servicer mistake, I ending paying {$7.00} for the next 20 years remaining on my mortgage loan.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have discovered fraudulent hard inquiries that are being present on my credit report, the hard inquiries are 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 XXXXXXXX XX/XX/XXXX XXXX please delete them from my credit report.
Product: Mortgage

For the past 20 yrs I've been paying on this lemon called a mobile home. 20 yrs. Now i done paid the mortgage and then some they still sending letters not statements saying i owe monthly note of such and such. Then the next month they would say i don't owe anything. Then the next month they'll say i owe this. They'll send people in my yard or stand in front my home or go on the next lane and take pictures of my home to intimidate me. I've been stressed and depressed enough with this trailer company. Not only is they doing dirt they doing the most dirty work when we first got the mobile home XXXX XXXX came to my apartment to sign papers cause my dad was too sick to leave the home my dad was on his death bed i literally had to hold his hand to sign the paper, the trailer is in my dad name who died 3 months prior to moving in here not only that. The trailer people switched the trailer behind our backs saying my dad and i had too much money combined to get the mobile home i picked out. I had picked out an older cheaper model but they changed it without our consent. As they was setting the trailer on the property i was told they need XXXX to finish setting up. Money had to come out my pocket. Over the years I've been assaulted, insulted and intimidate by these trailer people. Whom refuse to give me the title for this mobile home. 
They also changed their company name over and over from XXXX XXXX to greentree to ditech now shellpoint in order for me to keep sending money saying this company did not receive payment or that company did not receive payments can you please help me. I'm tired, I'm tired of being ripped of. I am XXXX  so if you have to contact me please contact me at this email XXXX these people also changed the account number numerous times
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of fraudulent activity and have researched how to remove the fraudulent items from my report. I need to file an identity theft report with the Federal Trade Commission at https : //www.ftc.gov. According to FCRA Section 605b, Credit Reporting Agencies must remove any items listed on an identity theft report with reference number XXXX. Attached are documents to assist in removing the accounts, inquiries, and erroneous personal information posted to my report. Here is the list of items opened without my permission : TransUnion 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. According to FCRA Section 605B ( a ), Credit Reporting Agencies must remove such items within 4 business days of receiving the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi there. My father passed away in XXXX and actions were taken to close his financial accounts with Merrill Lynch beginning on XX/XX/2023, with a value of about {$61000.00}. My stepmother and I chose to split the money and filled out all paperwork as directed, right away. Funds were promised in " 5-7 business days. '' Since then, we have spent countless hours on hold with their representatives to no avail. We continue to be told it will be another 2 business days, but it has now been two months. After reading many horror stories with this company on the internet, I fear we are being bamboozled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX  has shop around my credit report to five different banks without my approval. This happened on XX/XX/XXXX, XXXX.In addition, I have try to resolved the problem by sending letters but receive no correction to the matter. I'm sending two different screenshots from bureaus ... XXXX  has 5 inquiries and 6 on XXXX  report.
Product: Debt collection

I happened to look on Maryland case search website and saw that XXXX XXXX XXXX has filed a lawsuit against me. I never received any notification in the mail to giving me the option to dispute the debt. I looked XXXX XXXX XXXX up on the NMLS website and it shows that their license expired in 2017. Collection agencies are supposed to be licensed in my state to collect and they must notify me in writing giving me the option to validate the debt and that was taken away from me. They are also on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I claimed to Equifax, an account Inquiry under the names of : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX I summated a dispute for those inquiries multiple times and on the same day I received the results of the investigation. I received confirmation number : XXXX the results of that investigation say that those are accurate and will stay for two years. I dont know how in less than 24 hours Equifax verify the authenticity of the inquires knowing that I have an identity thief case. 

Also, On XX/XX/XXXX, was reported to Equifax, an account under the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX on that same day I summated a dispute for that account. On XX/XX/XXXX, I received confirmation number : XXXX the results of that investigation and change the information to a closed account. 
I summated an appeal and to this date ; I havent received an answer. These actions violate the XXXX U.S. Code 1681e - 15 U.S. Code 1681i
Product: Credit card or prepaid card

I had a credit balance on my Macy 's credit account. This credit balance is shown on my XXXX statement. The following month on my XXXX statement, it shows that Macy 's charged off my credit balance. The is a message on my XXXX statement that acknowledges my credit balance and that I have four months to use the credit on my account. 

I contacted Macy 's Customer Service and they informed me that they charged interest on my XXXX balance account, therefore taking my credit balance. This is not legal nor true according to my statements. I can provide my statements if needed to resolve this matter. 

Taking my credit balance in 30 days is wrong and I would like to rectify this matter and refund my money. 

Thanks.
Product: Debt collection

I have been contacted nearly every day for the past 2 months by a debt collection agency called TransWorld System. The calls are coming from a XXXX area code in XXXX XXXX XXXX but it is a different number each time so I can not block their calls. I have several copies of the recorded messages left. Each time I am asked to call XXXX to speak with " XXXX XXXX XXXX '' and when I call I get a collector. I was informed that they show this number belongs to XXXX XXXX and I do not know anyone by that name. 

I am promised everytime that my number is added to their do not call, but it never happens and the calls continue. I have been as polite as possible but now my frustration level is very high as I can not make it stop. 

Please do something about this lack of concern for my privacy which is now bordering on harrassment for a debt that is not mine. It appears someone made a keystroke error and my number was listed as the contact. I attached a transcript of the last call I did not answer on XXXX. I was contacted last at XXXX on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX You are in a direct violation of the Fair Credit reporting act Nissan Motor Acceptance Account number : unknown has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states I have a 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 1666B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I recently viewed my Clarity Credit Report on XX/XX/XXXX. I have discovered over XXXX credit inquiries on my Clarity Credit Report. Dating all the way back to XX/XX/XXXX ( See Attached Documents to support my complaint ). 
This letter is a formal request to delete the Inquiries listed below from my Clarity credit report. To my knowledge, I have not signed any documentations authorizing the companies listed to view my Clarity credit history. With that being said the Inquiries are violating the Fair Credit Reporting Act, Section 1681b ( c ) : Transaction not initiated by Consumer and need to be removed immediately.

When the inaccurate information has been removed. I would like a copy of my updated Clarity credit report mailed to me. 

XXXX XXXX Thank you
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute using Zelle numerous times and reporting discrepancies, my financial institute and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and that tracking these funds were unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect the consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

In accordance with 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. 

and list of Inquiries. 

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 a 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 information is inaccurate.
Product: Credit card or prepaid card

I made a purchase with my paypal debit card on a website called XXXX on XXXX, and spent XXXX on parts for a paintball toy, and didnt receive an item, the merchant agreed to a refund, but only refunded XXXX out of XXXX, im still waiting on XXXX, I filed multiple claims with paypal, and it keeps getting denied because they see I received a credit from the merchant, but theyre are not looking at the numbers