23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX is an XXXX XXXX XXXX who has lived in her home at XXXX XXXX XXXX XXXX in XXXX XXXX since XXXX. She and her now-deceased husband took out a home Equity Conversion Mortgage ( HECM - reverse mortgage ) from XXXX XXXX in XXXX. Even though it was not necessary, the lender had XXXX XXXX deed over to her husband, XXXX XXXX XXXX, who is now deceased. XXXX XXXX recently received an undated letter from HUD, stating that the HECM is now owned by HUD, which informed her of her right to remain in possession of the property after her husband 's death if she met the criteria, and the mortgage is not in default. The letter instructed her to work with the servicer, XXXX. XXXX XXXX does qualify to remain in her property, and is current on taxes and insurance. However, XXXX refuses to provide XXXX XXXX with the necessary information as to how to apply to remain in possession, or to process the request and documentation she submitted allowing her to remain in her home. XXXX XXXX representative was working with XXXX XXXX 's son XXXX, who is authorized in writing to assist, but then dropped the ball and said that a new individual at XXXX was handling the matter. The new individual will not communicate with XXXX son by either taking or returning calls. Instead, the property is set to be sold at foreclosure sale on XXXX XXXX, XXXX. XXXX XXXX 's attorney, XXXX XXXX of XXXX XXXX, called the trustee, Quality Loan Service, on XXXX XXXX, XXXX, and the representative said that XXXX XXXX and the attorney had to deal with the servicer. WHen XXXX XXXX 's attorney refused to do so because the servicer, XXXX was not properly assisting XXXX XXXX and had said that XXXX XXXX had to deal with the trustee, at XXXX XXXX ' insistence, the trustee gave XXXX XXXX contact information to the trustee 's attorney, XXXX XXXX XXXX. XXXX XXXX then sent a request via fax and email to XXXX XXXX XXXX to stop the foreclosure sale, but the attorney will not provide a response until five business days. 

XXXX XXXX is entitled absolutely entitled to stay in her home as the surviving spouse of HECM borrower, especially because she never should have been required to deed over to her husband in the HECM loan to begin with. By refusing to stop the foreclosure sale, and properly advise XXXX XXXX ( and her son ) as to her right to remain in possession, what documents are required, and in refusing to stop the sale, HUD, the servicer and trustee are acting illegally and against public policy by causing an XXXX XXXX XXXX widow to be foreclosed on her home of XXXX years when she is entitled by law to remain in possession.
Product: Credit reporting

Experian is ignoring my requests to investigate and remove fraudulent inquiries from my credit file that were not initiated by me.
Product: Credit reporting or other personal consumer reports

I assert that the inclusion of certain accounts on my credit file is a direct violation of my consumer report. According to 15 US 1681C-2, my rights as a consumer have been clearly violated. I am requesting the removal of these items within 4 days as mandated by the law. This request is supported by the inclusion of my ssc, id, fie report, and personal statement.it is imperative to emphazie that my request to block was not made in error, nor was it based on a material misrepresentation. I did not knowingly obtain, or have known to obtain, possession of goods, services or money as a result of the transaction I am requesting to block. Therefore these should be block and removed within 4 days or further action will be taken on my behalf and I will sue for character defamation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  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 has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A section 2 consumer reporting agency can not furnish an account without my written instruction
Product: Debt collection

I lost my job XX/XX/2017 and fell behind on my credit obligations. As my creditors called i would explain the situation. All except for Capital One stopped calling. 
I have recived over XXXX calls robo calls from Capital One beginning at XXXX. I have ask them to stop calling on several occasions.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I 'm not sure if this is where I make this type of complaint, however, I have been receiving calls threatening me with a lawsuit that I received an online payday loan and never paid it back. I never received the loan at the time and this was 6 years ago. I applied for a loan online, but decided not to accept the terms. I canceled it, but my account was still debited {$99.00}. I went to my bank and they reversed the transaction and issued a new checking account to me. A few years ago, I received threatening calls stating a similar scenario that Legal action was being taken against me for non-payment of a payday loan that turned out to be a scam. During the current call I received, the representative stated to me my full social security number, phone number, birth date, and address. I am afraid I will be a victim of identity theft because after I accused the representative of being a scam artist, he became hostile stating " good luck in court, you 're going to jail. Just wait and see what happens. '' Please let me know what I can do about this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate accounts on my credit report since XX/XX/2019, and letters have been sent every 30 days after. ( XX/XX/XXXX, XXXX, and XX/XX/XXXX ) I received one response from XXXX  and Experian ( XX/XX/2019 and XX/XX/2019, respectively ). I have never received any response from XXXX, and nothing from XXXX  or Experian since the first. I have included the letters I've sent as proof.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion failed to conduct a reasonable reinvestigation to determine the validity of the disputed XXXX XXXX late payment. I need them provide verification of all information they used to investigate my dispute, to include a standard form outlining the general characteristics of such information. who did you talk to at XXXX XXXX, when did they talk to them, and I also need the name of XXXX XXXX of contact name and address. As per The Gramm-Leach-Bliley Act XXXX XXXX must explain their information-sharing practices to their customers, which I received no such notice to safeguard my sensitive data.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I initially contacted Equifax in XX/XX/year> to report unauthorized inquiries on my credit report. At that time, I was advised that the inquiries would be removed upon submission of specific documentation, including a copy of my drivers license, a utility bill, and my Social Security card. Following this guidance, I promptly provided the requested documents. 

When I followed up in XXXX, I was informed that my documents had been received and that the inquiries would be removed from my report. However, upon reviewing my credit report recently, I found that the inquiries remain. 

On XX/XX/XXXX, I called again and was informed that in addition to the previously submitted documents, I now also need to provide a report filed with the Federal Trade Commission ( FTC ) to complete the removal process. 

I respectfully request your immediate assistance in ensuring the unauthorized inquiries are removed from my credit report as initially promised. Please let me know if any additional action is required on my part to expedite this process. 

I TRIED TO RECEIVE A REPORT FROM THE FTC IN WHICH THEY FORWARD MY COMPLAINT TO YOUR ENTITY
Product: Debt collection

As of XX/XX/XXXX I finished paying off the remaining balance on my XXXX account of {$1100.00}. Myself and the company has agreed that at the end of the month of XXXX that each credit bureau would receive a collection deletion request at XXXX 's request.
Product: Debt collection

When my lease expired on XX/XX/2024, my remaining balance of {$120.00} at my apartment building ( XXXX  XXXX ) was sent to a collection agency called Resident Advocate. Resident Advocate gave me 60 days to pay the debt ( until XX/XX/XXXX ). 

I mailed a check for {$120.00} to Resident Advocate 's po box . The XXXX tracking number that I received for the letter shows that it arrived on XX/XX/XXXX, 5 days before the account was set to close. Resident Advocate did not process my payment during this 5 day period. 

On XX/XX/XXXX, Resident Advocate closed my account and moved it to a new collection agency called Hunter Warfield. 

I have asked Resident Advocate to recall my account from Hunter Warfield and to process my payment, but they will not agree to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove by the credit bureaus in my credit file right away : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Vehicle loan or lease

Santander Consumer USA XXXX XXXX XXXX is suing me for a car that the dealership, XXXX XXXX XXXX XXXX and XXXX, had me trade in for a XXXX XXXX XXXX, that is also financed by XXXX XXXX XXXX XXXX XXXX XXXX The Finance XXXX, XXXX XXXX was not honest about the sale and the return of the XXXX XXXX Charger and he was not honest about the Loan application for me to purchase the XXXX XXXX XXXX. XXXX XXXX did not confirm my job or my income and he switched the information on the paperwork and I did not know that the information was switched, until I call and spoke to Chrysler Capital directly. The sale was fraud, committed by the XXXX XXXX and the salesman. They told me that I was trading in my car for the XXXX XXXX XXXX. This was very deceptive and the dealership and Santander Consumer USA XXXX XXXX XXXX should stop allowing the Dealership 's Finance XXXX 's to be able to falsify information on Loan Applications. All sales that were set up by XXXX XXXX needs to be investigated. No telling how many more people were deceived into trading in a vehicle for a new vehicle to be sued in the future. Please help.They took advantage of me and my mother.
Product: Credit reporting or other personal consumer reports

My credit file shows several inquiries posted by Experian that I don't recall making. I requested to have these inquiries deleted via phone, but the rep refused to delete them. They are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking at my reports I see that your company is alleging that the accounts attached to this complaint are negative. Your company is furnishing negative information without proof of verification of this debt, or that you have followed all laws and regulations to report. There for you must remove the accounts that are attached this complaint. 
I am aware that reporting information that has not been proven to be accurate is against the law. 
I demand that you provide me with concrete evidence of my obligation to the accounts listed in this complaint. 
Please understand that as a consumer I am aware that negative remarks reporting on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. If you are not able to provide the full reports on how you validated, verified, and how you are in compliance then your must remove the accounts from my credit report. 
Acct 1 beginning with XXXX, Account 2 beginning with XXXX, Account 3 beginning with XXXX, and Account 4 beginning with XXXX.
Product: Mortgage

I received a letter from Flagstar, dated XX/XX/XXXX, stating that I had a lapse in hazard insurance coverage from XX/XX/XXXX to XX/XX/XXXX. Flagstar charged me {$370.00} to cover the lapse. However, there was never a lapse in coverage. I have attached evidence of property insurance showing that I was covered from XX/XX/XXXX to XX/XX/XXXX, which includes the period from XX/XX/XXXX to XX/XX/XXXX. I have already submitted the evidence of insurance to Flagstar directly. I decided to also submit a CFPB complaint because I suspect that this is a malicious tactic on the part of Flagstar- i.e. arbitrarily declare that there was a past lapse in coverage, charge the borrower to correct the lapse, and put the onus on the borrower to prove that there was no past lapse before they can recover their funds. The key to this tactic is that Flagstar is saying the lapse occurred in the past, even while current coverage is in place.
Product: Credit reporting or other personal consumer reports

I have PSLF and TEPSLF. I have reached 120 payments and accounts should show as paid in full. My employer certified my most recent months of employment and Mohela only applied 2 months. Mohela didn't apply XXXX and XXXX in an effort to prevent me from reaching 120 payments. They purposely placed me in a forbearance when I didn't check the box to be placed in forbearance. I contacted Mohela and they advised me I was in repayment however the representative provided false information that I was going to receive a letter that i reached 120 payments. I never received said letter and the only letter I received was that I had 118 payments and 2 didn't qualify. This is unfair and unjust because they are not applying the payments. My payments are {$0.00}. lease update my account status to paid in full so my true account status can be reflected.
Product: Credit reporting or other personal consumer reports

XXXX sold the account to a collection agency but XXXX is still reporting my account which is illegal
Product: Debt collection

I was told that I owed, but now They are telling me that I owe for graffiti on walls and I didnt have any graffiti on walls. The wall was painted and I was told I was able to do it. I have a paper from them saying that it was wave so that information is incorrect.
Product: Debt collection

This complaint is about Selene Finance LP. This Debt collection agency will not send me requested copy of the original loan contract ( not promissory note ) with pertinent information needed to validate an alleged debt of my deceased mother. I am the Executor and Inheritor of her estate ( granted this information by law ) and have requested XXXX times from XX/XX/2022 to present for this document. It is now XX/XX/2022, and I have received a intent to foreclose on my inherited home without validation of the debt or options given for modification. On XX/XX/XXXX Selene Finance Fraudulently has submitted notice of intent to foreclose family home of XXXX years in my name ( inheritor ) with a new mortgage lender.
Product: Debt collection

Hollis Cobb & Associates : I called the number back to inquire about a debt that was owed. I ask that I be provided a validation of debt. I was informed that they don't provide that. I explained that it is required. They stated that they didn't have it nor were they required to provide. Then they said that they did send it but can't send it again. The debt collector then stated that I " only owed {$20.00} '' I told the caller that I was just told by a previous debt collector it was {$45.00}. He then stated that he would " try and request the form '' and send it via email. I told him that I could sue him for lying and not providing me the required information. I told him that I wanted to receive it by mail so that it is official. He then said that he couldn't hear me and that we were breaking up and disconnected the call.
Product: Student loan

i am really concerned i went to college for XXXX semesters on the XXXX semester i was informed by the school my loans didnt come through so i would have to pay out of pocket so i quit. 2 years later XXXX contacts me and tells me i owe them money which i knew but also said i owed for the XXXX semester when i asked for what they send they sent a check to me now i did not receive that check and i went to the school to ask and they said that it was sent to a XXXX party hence they could not give me the name i had to contact XXXX i did and they said it went to the school. well for the last 8 years they XXXX have taken my taxes in the amounts of XXXX. XXXX, and etc now my loans were for all together XXXX it is now XXXX i had gotton a letter from navent which is i guess sallie mae and they said i still owe XXXX when i went on the website it sais i missed a XXXX payments they have never sent me a thing on how much a monthly payment would be. i took action with the department of education in XXXX to help rehabilitate my loans and get this scquared away so that they dont take my taxes in XXXX that is what i was told if i paid this act company they wouldnt take my taxes and the new company would send me a booklet of payments i have not received anything but this letter today. i have been on hold for 2 hours and 8 minutes i finally got to someone who send they couldnt help me and directed me to someone else that could help it is now XXXX oclock and ive been on hold from them since XXXX and now they have hung up i called back to only receive another recording saying it will take another 30 min. all i want to know is what is going on with my account and why they have no record of the irs taking my money and sending it to them i have documents saying it was paid. now on nevents site it sais i owed XXXX in XXXX but i never got anything saying this was the company i was supposed to send money too. i have talked to numerous people about this company and everyone has said the same thing customer service workers there will not answer your questions and some people have paid money to this company to find out when they check their status that it was not put into their account. so where is all my money going to if its not being paid i just want to pay my debt but every place that has asked for money for XXXX and i pay it has not went to XXXX its always XXXX parties they are scamming us and it needs to stop. so please i need them XXXX or navent or someone to call me this is very frustrating not to mention they want to garnish wages but yet i dont know if this money is actually goimg to XXXX because i stilll owe all this money in which i didnt even get to finish college for
Product: Debt collection

This debt is not mine I demand it off my credit if not we will put a Cease Order to remove it out of my credit report. This is not mine. Someone  use my identity and did not paid if its not off my credit I will sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian, and with all three credit bureaus for inaccurate and unverifiable information with a charge off the is being reported on my credit report. There is a charge showing with Experian in the amount of {$9100.00}, E, and XXXX is reporting {$8800.00}. There are multiple inaccurate with this report. 

1. The balances don't match.

2.The reported dates don't match.

3.The past due dates do not match. 
4.Experian has not provided me with proof of debt. 

I would like this account to be deleted immediately due to being inaccurate, unverifiable, and unduly.
Product: Debt collection

ADVANTAGE COLLECTIONS Account # XXXX XXXX XXXX XXXX XXXX MN XXXX Trying to communicate with me through my consumer report which needs to stop. 

15USC 1692 CC Holds Creditors Liable ( c ) Ceasing communication. 
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.