23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Theses names are the known liars that I have spoken with at Bank of America ... XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( home retention ). I was told that my permanent paperwork was going to be mailed on XX/XX/XXXX then delayed until XX/XX/XXXX ... Both dates have come & gone and no paperwork. 

Bank of America is XXXX XXXX me without the grease!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are XXXX  consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX  That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE
Product: Debt collection

THE DATE AS OF TODAY IS XX/XX/XXXX This is my dispute from XX/XX/XXXX PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAN 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$400.00} Needs Attention Overview You have 100 % left to pay on this collection. Balance {$400.00} Highest Balance {$400.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name 06 XXXX  Closed DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 


As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately XXXX XXXX XXXX XXXX XXXX days late
Product: Checking or savings account

I have a mutual fund account in joint tenancy with my father is is XXXX years old and in a nursing home. Three years ago when he was moved to a nursing home I changed his address because he could no longer keep a Post Office Box and I live in another state. Three years ago he signed a Durable Power of Attorney. I changed his legal address to my own address and I handle all of his financial affairs including his tax returns from my address. BNY Mellon as manager of  XXXX XXXX refuses to change his address. They have also blocked all online access to the account. The post office and myself have sent them proper notification. They have refused to issue dividend checks to the new address and now are saying they must turn over the last three years dividends to the unclaimed money fund in their state of operation. They have made changing the address impossible by asking for things that do not exist ( my dad does not have a driver 's license at age XXXX ) and even refused the power of attorney stating they want a new one less than 60 days old verified by a " an authorized officer of an acceptable financial institution '' meaning that there is no one they will allow to verify it because they can not define this terminology. This is essentially extortion because they have set the hurdles so high to change the address that it is impossible to retrieve the money due to myself and my father.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation of my credit report which caused me some issues. All XXXX Bureaus are showing a balance that is inaccurate according to contract. It is a different amount listed on contract. in accordance with 15 USC 1605 it would be a violation, also I would like to exercise my right to rescind the contract. In accordance with 1026.23 I have up to 3 years to rescind the contract. 
I have sent written documentation to the creditor requesting that right. I tried several times to rescind the contract upon signing it and I found out that it was not a double wide. I was told that it was too late. I was never given any paperwork stating that I had 3 days to rescind. 
Upon delivery of the home it had a crack. I tried numerous of times including contacting insurance to have it repaired and the company XXXX XXXX that I purchased it from repaired it one and it cracked again and they continued to stall until time ran out and it has yet to be repaired. 
According to 15 USC 1681a ( 2 ) ( a ) ( i ) it is a violation to report late payments as well.
Product: Checking or savings account

In the beginning of XXXX I opened a business account but it was closed a few days later. On XX/XX/XXXX a check was mailed but I never received it. On XX/XX/XXXX I called to see where the check was I was told it was lost and another would b sent out and it would be expedited. On XX/XX/XXXX I called chase because I didnt receive a check I was told they had to investigate and make sure I didnt cash it and that they had to make sure it was lost. XX/XX/XXXX I called chase because I didnt receive my check the issue wasnt solved they hung up on me. XX/XX/XXXX I called about the missing check and I got 0 results. The check is worth {$2000.00} will I receive my money back?
Product: Debt collection

Wrongfully claiming I owe XXXX $ plus dollars to a XXXX  dealer over 10 plus years ago which is completely false then illegally furnished my non public information to a XXXX XXXX law firm who is now trying to collect on the over 10 year old wrongfully reported Debt which has yet to be proven
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$160.00} XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

I previously submitted a complaint regarding SpringLeaf Financial Services who blatantly discriminated against me as a XXXX minority regarding a consolidation loan submitted on line, whereby, the loan was approved on line and I was only required to submit additional information which was my XXXX Paystubs to finishing processing the loan. During the call, the representative asked about the vehicles regarding mileage and gave stated they were being paid via a loan and at no time did the representative state this was a stipulation on being granted a loan. They saw the credit report and obviously it was approved minus the paystubs being submitted. This request for a loan consolidation should have been processed without discriminating towards XXXX minorities. This another form of suppression. Also, when I submitted my original claim to CFPB incorporating information above and additional details, I received a call from Springleaf stating they were investigating the details. This was just a cover-up for their discriminatory behaviors. Afterwards, they send a letter with XXXX invalid excuses, after initially being approved on-line. The only requirement which was stipulated in an email which I previously attached to the original claim was their request to view the Paystubs. When I received the 2nd call from the original SpringLeaf representative, she had already reviewed the credit, debt-to-income ratio, etc. So, sending a letter after the fact, is retaliation and another form of credit discrimination, in and of itself. This company should not be in business, as they discriminate in their local offices and underwriting area again XXXX minorities in the communities around the U.S. Also, why continue to send pre-solicitations to clients via email when you have already pre-screened a candidate for approval. Again, after completing the application and being lied to after submitting pertinent documentation as proof, is another form of credit suppression and not allowing XXXX minorities access to capital in the United States. This company needs to be investigated for their illegal, discriminatory, and retaliatory practices!
Product: Mortgage

To whom it may concern, Within the last 3 years I have lost XXXX parents, suffered a XXXX and received XXXX XXXX XXXX. By GODs grace I have been in recovery and working again. About a month ago, my bank/servicer XXXX sold my loan to Greentree Servicing. I received no documentation. When I contacted Greentree, they told me to bring the note current because I do not qualify for any type of modification. I contacted MHA ( Making Home Affordable ) Help Hotline. I was told because I never received a modification, that I am eligible. We prepared all the documents and sent them to Greentree. They have refused to confirm my documents and have posted my home for Foreclosure on Tuesday, XX/XX/XXXX. I have recently received an inheritance from the sale of my parents home. I have also tried to request an accurate pay-off but Greentree keeps telling me that it is too late to do anything except to contact their Foreclosure Attorney. Please help me save my home. 
Sincerely, XXXX XXXX
Product: Student loan

I currently have 3 loans with Navient for which the interest rates are outlandishly high. For one loan the rate is currently 12.75 % and the balance is {$16000.00} and for the two other loans the rate is 16 % and the balances are {$12000.00} and {$12000.00}. My wife called Navient on my behalf XX/XX/20 and was informed that I would likely be eligible for a temporary interest rate reduction and Navient advised my wife to have me ( the borrower ) call to have the rates reduced. The customer service representative agreed with my wife that the rates were very high. When I called on XX/XX/20 to inquire about a temporary interest rate reduction, I provided Navient with all of my financial information and was then told that I did not qualify for a rate reduction. When I asked why I did not qualify for a rate reduction, I was only told that I " did not qualify for a rate reduction at this time on my account. '' I was not provided with any further details or solutions. I have called Navient in the past and have received temporary interest rate reductions. I have also asked for permanent rate reductions in the past and have been told this is not an option. The company also will not allow me to refinance with them for a lower interest rate. I am having trouble understanding why a fourth loan that I have with the company has a very reasonable interest rate of 2.75 % and why I can not be offered a lower, more reasonable interest rate on the three aforementioned loans.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently sent your organization a letter requesting the investigation and removal of inaccurate information from my credit report. I received your response and the accounts below are still reporting on my credit file. 
Furthermore, in accordance with the FCRA, I am requesting proof that the information was verified. 
XXXX XXXX XXXX I believe that the dates and late payments are reporting inaccurately. Here is the case # XXXXXXXX XXXX XXXX XXXX  I believe that that the dates and the amount owed is reporting inaccurately. Here is the case # XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX  XXXX XXXX Balance : {$420.00}.
Product: Debt collection

Negative information was added to credit without validating debt. It is hurting my credit and causing me denials of applications.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to the Fair Credit Reporting Act ( FCRA ), I have the right ti dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any information from my credit report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report.
Product: Mortgage

My home is under contract & was scheduled to close on XX/XX/XXXX. The closing attorney has been asking for the payoff amount from Novad Management Consulting since XXXX XXXX. Novad failed to send payoff amount to the closing attorney, which resulted in closing getting delayed. The closing attorney and I have made repeated phone calls to Novad with no success. They keep you on hold for 45 minutes - 1 hour, then only say the payoff request has been expedited. They will not give a date when the payoff will be sent. I filed a complaint with The XXXX XXXX XXXX on XX/XX/XXXX, and received a call from Novad on XX/XX/XXXX, saying they never received a payoff request - even though they said on previous calls that the request had been expedited. Obviously their claim is untrue. They promised to send an email to me with further information, but no email has been received. Novad will not allow me to speak with a supervisor, nor will they transfer me to the expedited department - they say they do not have that contact information. I am a retired veteran, living in assisted living, and in dire need of the proceeds from the sale of my home to pay for my living expenses. The buyer is also in jeopardy of losing his interest rate lock, resulting in hundreds of dollars in additional expenses for him. All I ask is that Novad send my payoff amount to the closing attorney so I can complete the sale of my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has inquiries on my credit report that are inaccurate. I requested a accurate credit report over 30 days ago and still haven't received anything. The following inquiries are inaccurate : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report 8. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letters off on XX/XX/22. I told the credit bureaus " to investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and the tracking numbers. According to the FRCA the term " investigate consumer report '' means a consumer report of portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. I have sent multiple letters to all three credit bureaus and i will list the tracking numbers below as proof that they have received these letters as well as been notified of the inaccuracies which are negatively affecting my report but still refuse to follow the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, AND EQUIFAX IS IN VIOLATION AND A SERIOUS BREACH OF TRUST. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ( XXXX XXXX, EQUIFAX, AND XXXX ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Product: Student loan

On XX/XX/XXXX at XXXX XXXX from Navient left me a message regarding my private loans. She stated in the message that she had a settlement offer for me, and that I should give her a call back, and that I had these loans for awhile. The phone number that she called from was XXXX. I filed a complaint XX/XX/2021, and asked that Navient no longer contact me via phone, and now they have again. I would like them to not contact me via phone, and I am not sure why they have continue to do so when they stated in their previous correspondence that they would comply with this request.