23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing this due to non-compliance with the ( SAYER LAW GROUP, PC ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent out XXXX letters to have these inquiries removed but I once again reviewed my credit report and found the same unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I asked that they DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 it.
Product: Mortgage

In XX/XX/XXXX, after my bankruptcy was discharged, I applied and was approved by XXXX for a loan modification in XX/XX/XXXX. 

The XXXXrial Period Plan required three payments of {$1800.00} on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 

XXXX also found that there was a lien on the property for unpaid HOA fees. XXXX verbally stated that I would be provided plenty of time to provide proof that the lien was inaccurate. In XX/XX/XXXX, I provided XXXX with a copy of the HOA ledger showing that my property had a {$490.00} credit. XXXX did not accept the HOA ledger provided by the management company and required that the lien be released. 

In XX/XX/XXXX, the first payment was automatically deducted and processed without any issues. Furthermore, during XXXX, XXXX notified me in writing that the company was consolidating with XXXX Mortgage XXXX and that all mortgages would be handled by XXXX effective XX/XX/XXXX. 

On XX/XX/XXXX, I sent to XXXX, by email as required by XXXX, a copy of the notice of lien release ( dated XX/XX/XXXX ). On the same day, I telephoned XXXX to ensure that they received the XX/XX/XXXX payment and my email with the Notice of Lien Release. 

XXXX confirmed receipt of both and advised me that the final payment would be paid to XXXX on XX/XX/XXXX ; but, the PHH would send the final Mortgage Agreement to permanently modified my mortgage. 

However, on XX/XX/XXXX, my final trial period payment was not processed. 

On XX/XX/XXXX, I contacted XXXX who stated that they no longer had my file and I must contact PHH. On the same day, I contacted PHH by phone and email. During my phone convesation with PHH, I owed almost {$15000.00} and the account did not show that I was in a trial payment period. Then the PHH representative stated that my account wasn't completed reviewed or process by PHH and I should provided them with at least 2 additional weeks. 

On XX/XX/XXXX, PHH stated that the final XX/XX/XXXX trial payment was not accepted by XXXX or PHH because on XX/XX/XXXX, XXXX denied the loan modification on the basis that the lien release was not recorded. The PHH representative suggested ( 1 ) apply for a loan modification ; or ( 2 ) request my file to be reviewed for errors so that PHH may determined if the lien release was recorded before or after the XX/XX/XXXX denial decision. 

In none of XXXX 's documentation, including the Trial Period Plan, was a deadline provided for the lien release. The only requirements were that ( 1 ) the title on the property is clear and ( 2 ) three payments made on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 

A complete chronology with all attachments, including but not limited to, emails, notices, trial payment period, was submitted to PHH my email on XX/XX/XXXX. PHH will also receive a hard copy of this chronology and notice of this complaint by mail no later than XX/XX/XXXX. 

Because of the size restrictions, the chronology without attachments will be uploaded to the CFPB. A limited number of attachments may be uploaded at a later date.
Product: Checking or savings account

I am appauled the the lack of customer service given me. I have been seeking assistance to correct my account and have my fees waived for more than several months to no avail. A check was cashed with no name as the payee which brought my account negative. I've been trying to work with the bank to find out how this has occurred but to no avail. Yet, I have been taxed and hit with overdraft and bank statement fees. I would not have an overdraft fee the check with NO Name/payee wasn't paid and furthermore I was informed that I would not be charge the fee for bank statements. No one seems to want to help me. 
Moreover, I was informed the bank would close my account and then send my balance owed to a collection company. This is shocking and fraudulent. 

Please have someone call me to assist ins working out this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

De

spite the multiple previous written requests, the unverified items 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 verified that these items are being reported correctly? Who verified these accounts? 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 UPDATE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA. Since you claim youve verified the accounts 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 THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A )
& I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX me and my ex husband XXXX XXXX owned properties in XXXX CA. He indicated to me that we where losing them in foreclosure. He unfortunely went behind my back and filed for bankruptcy to save the homes and continue collecting rent. I was never made aware of this. He filed joint bankruptcy paperwork without my knowledge. My next step is to file a police report with the XXXXXXXX XXXX XXXXXXXX. I am unsure if he filed taxes in those years also.
Product: Credit reporting or other personal consumer reports

PLEASE * REMOVE * ( ACCOUNT ) FROM CREDIT REPORT - XXXX ATTORNEY XXXX XXXX XXXX DATE : XX/XX/XXXX REASON : TOO ( OLD ) & XXXX IS INCORRECT ______________________________________________________________ PLEASE * REMOVE * ( ACCOUNTS ) FROM CREDIT REPORT - EQ / TU / XXXX DEBT REC SOLUTIONS | DATE : XX/XX/XXXX | AMOUNT : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX | AMOUNT : XXXX CREDENCE RESOURCE MANAGEMENT | DATE : XX/XX/XXXX | XXXX : XXXX XXXX XXXX | DATE : XX/XX/XXXX | AMOUNT : XXXX XXXX XXXX | DATE : XX/XX/XXXX | AMOUNT : XXXX __________________________________________________________ PLEASE * REMOVE * ( INQUIRIES ) FROM CREDIT REPORT - EQ / TU / XXXX XXXX FED XXXX DATE : XX/XX/XXXX XXXX / XXXX | DATE : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Talked to XXXX and reported that my info was compromised with XXXX XXXX. I never apply for money over internet nor give my social
Product: Checking or savings account

In XX/XX/year> they did XXXX different transactions to external accounts ( {$480.00}, {$800.00}, {$490.00}, {$450.00}, {$490.00}, {$490.00}, {$490.00}, {$490.00}, {$400.00} ) with the total amount {$4600.00}. All the XXXX it was tranfer to external account that is not mine and they have a strange name. Im going to summits evidence
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many unauthorized accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach recently, I would think you all would take extra measures to protect my consumer report. I do not feel that my information is being protected. This is defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset! I am depending on the banking system and credit reporting agency to promote my privacy and fairness sand they have not.

15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and unauthorized accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. According to 15 US Code & 1681N ( b ), these damages need to be paid for up to {$1000.00}. Ive paid many application fees for mortgage and rental just to find out that unauthorized accounts are being reported. I have wasted time and money that I can not get back. I am demanding remedy per Law.

As this is my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress and a lot of my time as of now. These companies and the credit bureaus are being sued for such damages already. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing litigation against this if these items arent removed and blocked immediately and willing to do whatever I need for justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX-XXXX XXXX  Account # XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXshould not be reporting to Equifax XX/XX/XXXX and XX/XX/XXXX that I am ( 30-60 ) days late on XX/XX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had moved and I contacted XX/XX/XXXX to update my current address which XXXX did not follow through with. I immediately contacted XX/XX/XXXX again when I discovered they had reported me late on this account. I was told by the representative at that time that if I paid the account in full that the lates would be removed. I have had a perfect payment history with XX/XX/XXXX When the requested correction to my credit report still hadnt been made, I contacted XX/XX/XXXX again and I was told by that representative that they could not remove the lates. This is not true. The previous representative conveyed to me that since the requested billing address change error had occurred on their end, that I would not be penalized and that the late would be removed. Additionally, the late payment occurred during a grace period they extended to me because I was moving. This false reporting of lates is seriously harming my credit score and this line item needs to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well as XX/XX/XXXX to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I fell into default on my mortgage when I had to move for a new job and needed housing in a new city. I received a letter from my lender, DiTech, requesting that I contact them to discuss options. I have called five times now at times when they are open for business and each time am sent to the voice mail of a " XXXX. '' I left detailed messages each time along with my phone number and a request that she return my call. I submitted two different email complaints to the company about the non-responsiveness and my need to speak with someone immediately. They did not respond either. I believe that because I have mortgage insurance, they are intentionally avoiding me so that they can foreclose and collect the mortgage insurance and the proceeds from foreclosure. This is not right. They are required to offer me several options to avoid foreclosure but all of these are unavailable to me if they refuse to return my calls. Please help me with this as quickly as possible as the lender will foreclose very soon. The lender is DiTech Financial LLC at XXXX XXXX XXXX in XXXX XXXX, SD XXXX. Their telephone number is XXXX. 

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

someone was selling a item online for {$250.00} but I never received the item I would like my money returned from the scammer.
Product: Debt collection

XXXX XXXX sent bills that they never notified me of to their debt collection agency USCB America. USCB America made zero attempts to call me and sent me a letter in the mail, and then claimed over the phone that mail is the only way they do notifications of debt. Upon receipt of the letter, their offices were closed for the weekend and I was referred to a voicemail box to leave a message. In response, I received a phone call on Tuesday from a robot claiming to be from that person 's office simply restating that I have a debt and need to call the same number I tried to call before which also directly contradicts their statement that they only do business through mail and not phonecalls. 

The billing notification from USCB America was dated XX/XX/2021. It was received on XX/XX/2021 after their business hours had ended for the weekend. These types of delays in our mail have been extremely common during the pandemic and I have received letters and packages as much as a month or more later than their post date. 

I was incapable of paying the bill when it arrived because their online payment system is intentionally obtuse. They charge each line item to a different account number and give XXXX option to pay it all in a lump sum online. I received a list of charges under different account numbers that all would have had to be paid separately on their form, until it reached a line that simply said " Additional '' with no account number, as well as a line that said Interest with no account number as well so even if I paid the amounts listed with account numbers there was still another {$94.00} and {$4.00} that I could not pay online and would continue to accrue interest until their offices open. 

On the initial communication from USCB America, they were charging me {$4.00} for interest that had accrued from before they had notified me of the bill, and then charged additional interest EACH DAY after before I had received notification of the bill. 

I asked for them to waive the interest that had accrued due to the late arrival of the letter, and difficulties with their website and they refused, simply restating that interest accumulates each day it is unpaid. The person over the phone directly told me I had to pay each item separately if I wanted to use the website. 

When I asked for a full list of the account numbers and charges, they listed off a list of accounts and charges that drastically differed from what was in the letter. When I asked about the discrepancy, the agent went silent and told me that interest would accrue if I did not pay it today. None of the account numbers were the same and the values did not line up with anything listed on the line item of the letter sent to me. 

I was not notified of what interest rate I was supposedly paying, when it started to accumulate interest, or how much interest would accrue if I attempted to resolve these issues and wound up paying the debt to get them to leave me alone. This behavior is unethical and clearly designed to forcibly add interest that is impossible to avoid onto the bill for their own profit.
Product: Money transfer, virtual currency, or money service

I'm requesting all refund and more money for stressing me out not being able to talk with a representative
Product: Checking or savings account

Signed up for account on XX/XX/XXXX with new account bonus of {$200.00} within 90 days after meeting requirements of {$500.00} direct deposit and 10 debit card transactions in 60 days. Debit card was never sent and had to request one in XXXX?! I met these requirements as evidenced by XXXX and XXXX statements ending on XX/XX/XXXX. I followed up with customer service 90 days after meeting requirements and was informed I only had 5 debit card transactions?! 

Their response : 'I am filing your complaint. I will be back with a confirmation number. I can confirm that you will not receive the bonus. I apologize for your experience. ' What a shady company and business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to question specific records in my credit file that do not belong to me. These 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Fraudulent account openend at a address i never resided. 

Wells Fargo allow someone to open account and utilize account without my authorization. 

I did not live at the address nor have i ever resided at this address in which this account was openend.
Product: Student loan

I consolidated my loans, submitted Public Service Loan Forgiveness with Navient and got into payment driven plan in XXXX. Since my payments were to be very high, they advised me to go on deferrement and forbearance since then and to renew every year. I would call to check the status of my forgiveness and I would hear that after 25 years from the original graduation year of XXXX my loan would be forgiven or by the Public service loan forgiveness route, whatever comes first. I believed them! 

My loan is now due for repayment and no more forbearance is available AND that all this time I incurred much more interest and that none of the years counted. They never told be that forbearance did not count, on the contrary, they incentive it. 
My loan now is over {$230000.00} - over {$100000.00} of interest alone! 
This student debit is not allowing me to qualify for loans to purchase property on the first floor in order to accommodate my elderly mother who can not use stairs. How can a company, working with federal loans, act solely for the investorss profit? Federal Loans!