23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The Bayview says there is no option for me to keep my home. Either I have to pay the total principal balance of {$980000.00} it will be auctioned on XXXX/XXXX/XXXX. I worked hard to save money for down payment and still work hard to keep my home. Bayview had my loan modification request for months and on XXXX/XXXX/XXXX the notice of auction that is scheduled to auction my home on XXXX/XXXX/XXXX posted on my home door then denied my request on XXXX/XXXX/XXXX. 
I, XXXX XXXX, got a mortgage through XXXX on XXXX XXXX. I was paying my payment on time till XXXX XXXX. My financial situation got changed when I lost my job after my youngest son got into head injury ( concussion ) while he was playing lacrosse game on or about XXXX XXXX, he still is going through treatment. I got job here and there but none of them was permanent. I could just bring the food to the table for the family oXXXX XXXX I fell behind on my mortgage payments ; I was a single earning member of the family with my XXXX, XXXX kids, and XXXX parents with loss of income because I got lay-off on early XXXX. It was hard for me to keep with expenses. In the past we never had financial problems. There are so many expenses and managing a home and family of XXXX is hard. I exhausted all of my saving during the hard time that my family and I went through. Now, I got permanent job with good income. I am behind of my mortgage and also my income is not enough to pay all back payments which Bayview is asking to do so. As a result, I requested loan modification but Bayview denied my request and advised me to sell the property because there is some equity on it. I did purchased my home about 10 years ago. I put {$120000.00} which was all my family and I life saving as down payment toward the purchase of our home to be our permanent home and raise our children and take care of my elderly parents, I did n't purchase it to live for while then quit. I can not afford to lose my home. I am reaching you out to help me to keep my home which is only our investment and place to keep my family together. I am working hard to take care of my family as well as pay my obligations on time. Being father of XXXX children, XXXX, and only son of my XXXX parents has huge responsibility on me and I am not ready to lose our only investment after years of education and working hard with a family of XXXX, which is our home. I can not afford to lose my home and have my family on moving truck from rental home to another and be worry about my XXXX parents and my kids school while myself working full time. My family and I can not be homeless and sleep in street. I am requesting Bayview to reconsider my situation and put me in a reasonable payment plan. Bayview asks me to pay total balance of principal of {$980000.00} or will auction my home on XXXX/XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to get equifax to remove incorrect debt on my report in 2020 and never heard anything back. Shortly after, my account was locked for security purposes by equifax and they now will not release any information without obtaining copies of my drivers license or social security card. Even after I confirmed my identity with them through confirmation questions, texts to verify my phone number and my email address. They then put me through to a supervisor who was on a supervisor call but I was told it was going to be 1, 2 or 5 minutes. Ive now been on hold for over 15 while I write this complaint.
Product: Credit reporting or other personal consumer reports

I am to formally express my concern regarding a recent experience I had with XXXX XXXX. I was under the impression that the services provided to me would be covered by my insurance, as confirmed by XXXX XXXX, who assured me that all bills would be forwarded to my insurance provider. 

However, despite this assurance, my insurance has declined coverage for the services rendered during my extended treatment, which was initiated based on the understanding that I would not be held responsible for these charges. This situation has placed me in a difficult position, as I had relied on the commitment made by your office. 

I would appreciate your prompt attention to this matter and hope we can resolve it amicably. Please advise on how we can proceed to address the discrepancy between the information I received and the subsequent denial from my insurance. 
Then the 3rd Party company responded back with this communication : Hi XXXX XXXX XXXX, We at Denefits are reaching out to you regarding your Denefits LLC Contract ID : XXXX. 

We have repeatedly requested payments for your overdue contract with XXXX XXXX XXXX 

We might file a lawsuit against you for the above mentioned debt, it is hopeful that a mutually accepted resolution outside of a public filed litigation can be achieved. It is in the best interest of both parties to resolve this matter as soon as possible. 

We are even ready to offer you a settlement deal with a huge discount to further close this contract and moreover we will help to remove all negative reporting from the credit reports for this contract. 

Your total balance remaining on your contract is {$2000.00}, however we are ready to settle this for {$1500.00} However, in the absence of a reply from you, We might be forced to forward this to our legal team to initiate legal proceedings against you to recover this debt and update as refusal to pay to Credit bureaus. 

Looking forward to hearing from you positively as soon as possible! 

Please reply here or contact XXXX XXXX at ( XXXX ) XXXX between XXXX XXXX  to XXXX XXXX  PST. 

Thanks and Regards,
Product: Student loan

I was reading a NY XXXX article about things that Navient was doing illegally, like misleading customers about their options. I was also a victim of that.
Product: Student loan

I called on XX/XX/2023 to have my due date changed from the XXXX to the XXXX of every month. I was told it would take 1-2 billing cycles for the change to take place. I called early XXXX since the date had not been changed and was told to call back a couple days later as the second billing cycle would be complete. I called again on XX/XX/2023 and was told the situation would be escalated because the date had not changed. I called again on XX/XX/XXXX because I was told I would hear back on the XXXX from 2-5 business days and didnt hear anything. I called again on XX/XX/XXXX because money wasnt taken out of my account on the XXXX but online still said I was enrolled in auto debit. I was told on their end it said that it was taken out but takes a couple of days to post. I also called about the due date change and was told it would be escalated and I would receive a call back by the next business day. I missed the call on XX/XX/XXXX and called back and was told my account was delinquent which I said I dont know why since I was on auto debit and the payment should have been taken out on the XXXX. I was told that I would have to have a supervisor call me back as none were available to talk on the XXXX. I was also told that my request on XX/XX/XXXX was inputted incorrectly on Mohelas end so thats why it wasnt proceeded but was put in again on XX/XX/XXXX and asked if I wanted to submit the payment change. I said no because I didnt want the clock to start over again for the 1-2 months and that Mohela needed to fix the problem on their end keeping in mind the XX/XX/XXXX date that I called in for the request instead of waiting another 1-2 billing cycles starting today.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states that a consumer reporting agency can NOT furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

Dear FPB, I am writing to formally file a complaint against Bank of America regarding an unresolved wire transfer issue that has left me without funds. 

Background of the Issue : Date & Amount : On XX/XX/2024, I initiated a wire transfer of {$4000.00} from my Bank of America account to my brother in XXXX XXXX. 
Issue : Despite the transfer, my brother never received the funds. 
Actions Taken : I contacted Bank of Americas customer service, and they informed me that the funds had been released to my brother. 
I reached out to my brother, who confirmed that he did not receive any money. 
I then contacted the local bank in XXXX XXXX, which stated that they do not offer wire transfer services and advised me to contacXXXX Bank of America to retrieve my funds. 
When I requested the XXXX ( proof of the wire transfer ) from Bank of America, I was told that the case was closed and that they could not provide any supporting documentation. 

I am extremely concerned about the whereabouts of my {$4000.00} and the lack of clear communication and resolution from Bank of America. I kindly request your assistance in investigating this matter and providing guidance on how I can recover my funds. 

Thank you for your time and attention to this urgent issue. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX, TransUnion and XXXX XXXX letters to clear up this account thats in error. But to no avail. This account has been re-aged because there are three different date last active? and only one bureaus has any payment history? 

This account is reporting errors that seem suspicious how can you have different date last active? and date of last payment when the account is supposed to be charged off? XXXX XXXX and or the credit bureaus are re-aging this account which is a violation of my rights. XXXX and transunion has been reporting this wrong information every month since I found out about this account which is horrible and I need to understand how they can do this to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that the following companies ( XXXX, Transunion, XXXX ) are reporting inaccurate and incomplete credit information. 

I am distressed that the aforementioned entities have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they've published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated and deleted from my credit profile. 

FPDCPA Section 807 Violation Misleading False Reporting PARAMOUNTRMG Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Account took place on XX/XX/year>. I believe there may be some inaccuracy with these collection placed on this credit profile. I believe goes against FDCPA 15 USC 1692C and 1692E. I also need proof of ownership. I would like the debt removed, canceled, or settled.
Product: Credit card

This company is reporting fraudulent and inaccurate information on my credit report. I have requested they provided proof that I was the indeed person who signed up and requested this account. 

The company : XXXX Amount XXXX {$38.00} with {$58.00} written off Date opened : XX/XX/2020
Product: Debt collection

XX/XX/XXXX XXXX mailed me a notice regarding an old debt I received it on XXXX stating I owed XXXX and last payment received was XXXX.After several calls from me to the junk debt buyer explaining this was originally a predatory loan that is expired beyond the statute of limitations according to XXXX XXXX on collecting a debt, also filing a complaint with XXXX. I wrote and sent via certified mail with signature from the debt buyers admin. a cease and desist letter on XXXX the debt collector answered my complaint with XXXX and agreed to cease and desist. Albeit this debt collector has continued to harass me with letters over and over ever since they agreed to cease and desist. I'm very very upset this debt collector is continuing with the harassment against me. The debt collector mailed notices on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX and XX/XX/XXXX demanding I pay or face judgement. I'm unable to load images on this laptop but assure you I have the paper trail to back up my statement.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have discovered a fraudulent account being reported on my account, the account is XXXX XXXX with the account number XXXX, this account is fraudulent and I request immediate deletion from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some of these accounts I did not open, I'm not sure how they were opened without my consent. Some of these accounts need to be validated ; I believe they are not accurate. 

These are the accounts that's listed on my credit report. XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX. 

These are all the hard inquiries I didn't authorize to be ran XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did some research and found out that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act these companies listed has violated my rights. 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 an account without my written consent. These are the hard inquiries listed. Not enough room on report to list all inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of the accounts have different reporting information on different bureaus, meaning all information across all XXXX bureaus must match. Numerous error'sI have found on these accounts. I have attached a complete copy of my most recent updated credit report.
Product: Mortgage

I have called my mortgage servicer Guaranteed Rate ( XXXX ) multiple times to verbally testify to financial distress related to the COVID-19 outbreak and they refuse to speak with me. When I call now my calls are disconnected automatically. 

The website as well as the automated message at the beginning of the call instruct me to apply for hardship assistance through a separate website ( XXXX ), which I have done, but after applying I discovered that I must submit multiple documents in order to show financial distress. Based on comments made by XXXX XXXX, the director of the Federal Housing Finance Agency, which oversees XXXX and XXXX, it is my understanding that people in financial distress because of the coronavirus can just verbally testify to that over the phone with their lender. 

This is not the case with Guaranteed Inc, and for this reason I am filing the current complaint. I believe they are intentionally not answering phone calls in an attempt to prevent borrowers from asking for hardship assistance.
Product: Checking or savings account

Alot of activity took place before I was a legal adult with a few different banks that I know i did not sign up for, ultimately resulting in a flag with the XXXXXXXX XXXX and also labeling my account with fraud alerts to the point of limited ability and the denial of a normal checking account. I have no idea what lead to this ; however, I have initiated contact multiple times with the concerned banks of interest and have not got anywhere. again, I have no knowledge of the alleged accounts, and I am sure I do not or have not opened up the account. 
A resolution of getting this problem resolved would be to eliminate the negative and incorrect information that these banks have against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX : XXXX, have violated my rights. 
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 an 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 seven years. 
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 seven 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 reporting or other personal consumer reports

I have been battling with Equifax for months. I sent a letter to them that I received from the bankruptcy courts. All reps that I spoke with said that they could not accept this letter nor remove the bankruptcy off my credit report because the letter was not detailed enough. Please see the attached letter. The letter has the case number, signature and stamp. Equifax wants a full detailed letter from the courts so they try to confirm information and keep negative information on my credit report. EQUIFAX have aided this Fraud by not verifying these accounts. You are legally required to insure you are exercising your grave responsibility with fairness, impartiality, and a respect for my right to privacy. Especially, since you dont have my written instruction to furnish the information in the first place. I have attached all the relevant documents pursuant 15 USC 1681c-2. Pursuant to 18 USC 1028A, you have knowingly transferred, possessed, and used my nonpublic personal information and I demand that you immediately block and delete the accounts listed below within 4 business days as required by law.

I also demand an updated copy of my Consumer file reflecting these changes. you of a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and demand immediate action to correct this issue. Specifically, Equifax has failed to conduct a reasonable investigation regarding my disputes, resulting in the continued reporting of inaccurate information on my credit report. Furthermore, you have failed to provide the requested proof of the disputed items. Please delete this negative item!
Product: Vehicle loan or lease

I am paying over XXXX for less than XXXX vehicle and the money I've already paid is more than half of the original price but doesn't show on the website. Through credit acceptance
Product: Credit reporting or other personal consumer reports

I submitted disputes to the credit bureau over XXXX  days ago and I have not heard anything back from them nor has anything changed on my credit report. I sent them all the information required and I have been quite patient before filing this complaint. There are numerous accounts on my credit report that needs attention because they are inaccurate and or not being reported correctly. They are not following the credit reporting laws and something needs to be done about this. I have contacted the creditors as well and am still awaiting their response as well.
Product: Debt collection

I received a call earlier this month but I am not sure of the day. But the rep was the same one that called today. I do have the voicemail that was left for me today. The very first call they said I had student loans that were not covered by federal. Which is false because my student loans are on my credit report and I had never applied for any other type of loan for school. In fact I just applied for loan forgiveness and my student loans were consolidated. This person stated my balance was {$1900.00} but I needed to pay {$900.00} right then and there. I never received any type of written communication from this company prior to. And still have not received anything. Today the same person named XXXX XXXX called me and stated they will seize my assets and place a lien on any property that I have if I do not contact them within 72 hours. The company is R & R solutions with phone number XXXX. My voicemail picked up a different name and I have readable voicemail so I can read what was left instead of just hearing it on my XXXX.