23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The finance company - Selene Finance in XXXX, Texas offered and verbally confirmed that I was approved for Cash for Keys as part of the final foreclosure process. 
There was an error on the date of sale of the house in Selene Finance records and I had to contact the attorney that filed the notice of sale. 
The Notice of Sale filed by the attorney was for XXXX/XXXX/XXXX Selene Finance had a date of XXXX/XXXX/XXXX and it was told to me that it was a clerical error and that they were going to reach out to the attorney office to correct. 
I had to call the attorney office and it was corrected. 
Originally the cash for keys was approved with the sale date of XXXX and it had to be resubmitted because of the date correction. 
They are now saying that they have declined the cash for keys because I " changed '' the sale date which is a lie. It was a clerical error that was corrected by the attorney for the finance company. 
They have teetered back and forth since they first offered the cash for keys option. 
I was not able to accept the modification offer and was told that we could try a short sale. I had contacted a realtor to begin the process and at the same time they issued the sale date. I received notice of a XXXX/XXXX/XXXX sales date on or about XXXX/XXXX/XXXX via regular mail. 
It was on or about XXXX/XXXX/XXXX that I was told about the cash for keys. Since that date they have twice told me that I am approved and twice told me that was denied. 
This back and forth is a clear sign that I am being bullied and there is something very wrong here. I have done all I can to resolve this and I am following all of the rules. I feel that I have no one to turn to to help resolve this matter. 
In my last conversion with them they said that we could renegotiate the cash for keys after the sale date. There is either a policy or there is no policy. They change the offer repeatedly. This can not be legal.
Product: Mortgage

On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint onXX/XX/XXXX.

Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 146 days and counting And still I can not prove I own the home I live in.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following hard inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX I did not authorize these inquiries. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report and proper investigation of disputes. 

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against XXXX for failing to adequately investigate consumer disputes and for providing inadequate responses regarding validation methods. I believe XXXX failed to comply with its obligations in my case, as no explanation of the investigation process or validation method for these inquiries was provided.
Product: Credit reporting or other personal consumer reports

I have called Experian in regards to inaccurate information being reported. Such information is related to multiple addresses on my report that are non mailable. Only one address should be there. I have also asked for them to provide my written authorization so they can report my non public information. They did not. The only thing they removed was an old name and old phone numbers meaning they have admitted that they had inaccurate information on my report. They also did not remove the hard inquiries which i did not authorize. In fact while on the phone they were lying regarding this. They said that because i have an agreement with the bank, they can report. What they forgot to say is that in the agreement with any bank, it says that they will share information with affiliates. Last time i checked Experian is not an affiliate of any bank but a 3rd party. I did not give permission to Experian to share any of non public information. I give them in good faith one other chance to remove or block any information that does not fit the 15 USC 1681 ( a ) ( b ) ( c ) ( e ) as well as the Privacy Act of 1974
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts reported on my credit file, in accordance with **15 USC 1681c-2 ( a ) **. As a victim of identity theft connected to the XXXX data breach, I have noticed accounts or inquiries that are not authorized by me. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that Transunion immediately block and delete the following fraudulent accounts and inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Employers : XXXX XXXX  Late Payment XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

On XX/XX/2023 we reserved a rental car to be picked up in XXXX. On XXXX XXXX XXXX we called and cancelled the car. The car was through XXXX which we found was operated by XXXX which operated under the name XXXX which is owned by a company in XXXX. The Confirmation # from XXXX is # XXXX. After a lot of rude talk when cancellation it was agreed that there would be a {$40.00} early canc. fee, They said the only way to do this was to charge our card for {$680.00} then process a credit for {$640.00}. The charge from XXXX was sent to XXXX XXXX but they rejected the charge. In the meantime I had contacted XXXX XXXX to dispute the charge and they issued a credit for {$640.00}. At that point all was correct. But for unknown reasons the following month XXXX XXXX reapplied the {$640.00}. I have written and talked with several people to reapply the {$640.00} credit. I had sent them all of the information they requested and they still insist on more info. At this point they have closed the case. Last week I again sent all of the requested info to their dispute office in XXXX XXXX XXXX XXXX. Their case number is XXXX. I did go ahead and pay the billed amount to avoid any charges. At this point I am out {$680.00}. Can you help, Please. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent the following information to Capital One and XXXX on XX/XX/2020. 
Police Report. Notarized Statement. State Identification. Social Security Card. 

Both companies are willfully reporting these items to my credit and refusing to remove them although they have been made aware of the identity theft.
Product: Mortgage

Nationstar Mortgage Holdings, Inc ( dba Mr Cooper ) purchased my Mortgage from XXXX  XXXX XXXX. 

During the pandemic, I took the option of a loan forbearance offered by 'Mr Cooper '. 

9 days prior to the end of the Forbearance period, they instructed another company - 'XXXX  XXXX XXXX XXXX XXXX - to enter on to my property, drill holes into my house and attached a lock box to prevent my access. 

I instructed Mr Cooper for my payments to resume on completion of the forbearance period, but they have ignored those repeated instructions. 

I have been in constant contact through their XXXX XXXX XXXX ( @ XXXX ) requesting to resume payment following the Forbearance. They stopped responding some time back. 

I've also tried through the secure massage system on the website, and also to each of XXXX, XXXX, and XXXX via emails to confirm the resumption of my monthly payments. 

I have also repeatedly requested Mr Cooper and XXXX XXXX XXXX to to remove the lockbox and repair the damage from the drilling. Mr Cooper says that's the responsibility of XXXX XXXX XXXX, and XXXX XXXX XXXX are saying they're just doing as ordered by Mr Cooper. 

I have the dated letters from XXXX XXXX XXXX and screenshots from the Mr Cooper portal for the Forbearance periods where they send people to lock up my house during that agreed period. 

I'm still waiting to resume my repayments as Mr Cooper won't respond to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, has violated my rights, including reported inaccuracies to each of the three major credit bureaus.

Pursuant to15 U.S.C. 1681 Sec. 602A, states I have the right to privacy.

In addition to, 15 U.S.C. 1681 Sec 604A Sec 2, also states a consumer reporting agency can not furnish an account without my written consent.
Product: Debt collection

Calls from 'CBE Group XXXX looking for my ex-husband. I divorced this man over 20 years ago and recently have received calls from 'CBE Group ' looking for him. I have no relationship with him and am not interested in this. phone numbers used today are XXXX XXXX twice XXXX, XXXX, XXXX. This is harassment of an innocent party.
Product: Credit reporting or other personal consumer reports

I am deeply concerned about the ongoing billing and reporting errors that are negatively affecting my credit. These issues violate my rights under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), which requires creditors to accurately record payments and credits. Unfortunately, payments I made have not been properly documented, and there are obvious miscalculations in the reported balances. Adding to the problem, I was not given the legally required 21-day notice before a payment was due, making any late payment reports both invalid and unjustified. These inaccuracies are causing significant harm to my credit standing and financial reputation.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the item listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. This inaccuracies is highly injurious to my credit rating. 


- XXXX XXXX XXXXXXXX - XX/XX/year> The following inquiry was not and should not be reporting. 

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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, credit repair services, or other personal consumer reports

Company # 1 : XXXX XXXX XXXX XXXX XXXX 

Derogatory Mark- Opened XX/XX/XXXX. Original creditor : XXXX. Creditor/collection agency : XXXX XXXX XXXX XXXX XXXX Amount {$340.00}. This account should have a balance of {$0.00}. An account was opened with XXXX in XX/XX/XXXX for an international phone plan from XXXX XXXX. Company continuously charged me for services/features that were not mentioned/ in written form when I went to the service provider store in XXXX to purchase XXXX chip for my phone. In addition, I was lead to believe I would be paying the two months in which I needed the international phone plan ( XX/XX/XXXX.-XX/XX/XXXX. ), however, they were continuing to charge me. The balance reported of {$340.00} is inaccurate and I'm asking for this to be heavily investigated as it is having a major negative impact on my credit score. 

Company # 2 : XXXX XXXX Hard Inquiry- XX/XX/XXXX. XXXX XXXX. Address : XXXX XXXX XXXX. XXXX, RI XXXX. This inquiry is listed on my report as a hard inquiry, however, this account is inaccurate. This inquiry must be a mistake on the credit bureau 's end because I am fully unaware of this. I am asking for this hard inquiry to please be reviewed and removed from my credit report. 

Company # XXXX : Apex Asset Management Derogatory Mark- Opened XX/XX/XXXX. Original creditor : XXXX XXXX XXXX. Creditor/collection agency : Apex Asset Management. Amount {$250.00}. I am unsure as to why this charge is showing up on my credit report as my health insurance was paying for this to my knowledge. I have not received any paperwork/ mail from the company, therefore, this account should not be listed as a derogatory mark on my credit report as it is harming my credit score. 

Company # 4 : XXXX XXXX Hard InquiryXXXX XX/XX/XXXX. XXXX XXXX. This is an error.
Product: Debt collection

I have spent over the past year and a half disputing the account that Portfolio Recovery Associates has attached to my name as well as ignoring at least 12-15 of their calls weekly. I have disputed it on my credit reports over three times and they have not removed the account. They have never produced any paperwork that states anything other than my name and a credit card and my ex husbands old address. I am a XXXX XXXX XXXX and they took court action against me last year to try and collect on this assumed debt and waited to notify me until the week of the court date to send me paperwork. The day before court they decided to drop the case. I got a letter stating they were no longer going to peruse this matter due to lack of verification evidence on their end. Today in the mail I am receiving another piece of mail from their office. I would like resolution in this matter by them producing any verification for the account listed that they are trying to collect for, and to stop harassing me and threatening me with court and then backing out the day before. It is a scare tactic that is not appropriate. Especially when the lawyers pull out the day before for lack of evidence.
Product: Credit reporting or other personal consumer reports

I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section 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. Please remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I disputed with all three credit bureaus 5 accounts that appear on my credit reports that are not mine. These accounts are still on my reports : XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$580.00} XXXX XXXX {$440.00}
Product: Debt or credit management

XX/XX/XXXX I called trying to make a payment through the XXXX but kept getting the nothing found so I had to hang up and then request to speak to XXXX. I informed the rep XXXX calling on behalf of someone unless she can get an interpreter and was told they only have XXXX. How does a company only have XXXX interpreters? Are all other languages XXXX? XXXX the one that pays for all her bills and yet no one is able to assiste me
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED THRU ALL THREE CREDIT AGENCIES. I HAVE ASKED THEM TO VERIFY PAYMENT STATUS ON THE LOAN. XXXX  HAS FAILED TO VERIFY CORRECTLY OR AT ALL. XXXX XXXX AS WELL AND EQUIFAX.XXXX  XXXX XXXX SENT ME A CERTIFIED LETTER TO SHOW PAYMENT STATUS. ALL PAYMENTS WERE PAYMENTS WERE MADE BY THE DUE DATE OF THE 28TH OF THE MONTH OR A FEA DAYS PAST.. THEIR OWN PAPER WORK SHOWS THE DISPUTED DATES ARENT 30DAYS AN THEY ARE REPORTING IT AS SUCH. THEY ARE IN VIOLATION OF THE FCRA AND HAVE BEEN. THEY ARE HARD TO DEAL WITH, THEY HAVE DENIED PAYMENTS TO THE ACCOUNT BECAUSE IT WAS LATE, AND TO GO IN PERSON TO A BRANCH TO GET IT FIXED OR CALL MANY TIMES. THIS COMPANY HAS BLOCKED ME FROM MAKING PAYMENTS, AND JUST TELLS ME THAT CAN REFUSE ANY PAYMENT THEY WISH. THE CAR HAS NEVER NEVER BEEN IN REPO STATUS FOR THIS NOR WAS IT TAKEN. THEY ARE RUDE AND VERY HATEFUL TO DEAL WITH. A XXXX  COMPLAINT WAS FILED AS WELL. XXXX AND XXXX   XXXX AND EQUIFAX ALL HAVE REPORTED IN ACCURATE PAYMENT STATUS AND REFUSE TO GET PROOF.PROOF IS NOT A REP SITTING A COMPUTER AND SAYING YES OR NO.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX XXXX XXXX account number XXXX Account name : XXXX XXXX XXXX XXXX XXXX of a 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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

Contacted Supv XXXX XXXX and requested deletion of outdated account XXXX XXXX # XXXX. The creditor XXXX is re-aging the FCRA compliance date.
Product: Checking or savings account

Folks, I am in XXXX XXXX. I was living and working in the US quite a while ago and had some monies in Bank of America. I was always able to log in via internet and see my account and check the balance. In XX/XX/2022 the debit card issued to me expired and I duly requested another card to be sent to me. I had always made sure that my contact details were updated. No new card was sent out and no contact was made. The bank 's 2 factor authentication made it impossible for me to access my account from XXXX simply because I did not have a US  mobile and BofA could not accept international mobile numbers. I was told by BofA that I needed a XXXX  USB cryptographic key to be able to access my account and to be able to make wire transfers. I was forced against my will to actually purchase a USB key ( for XXXX ) so that I can regain access to internet banking. Once I had access, I tried making a wire transfer through internet banking with the assistance of BofA staff. 
That transaction was then cancelled by BofA. I have since tried to communicate and make a phone appointment but all I got was empty promises of contact. I can not access my money of {$5300.00} nor can I close my account. Please help
Product: Credit reporting or other personal consumer reports

I have request several times to have this information corrected to no avail its XXXX and its still reflection on my credit file. Also XXXX experian especially and XXXX has very old accounts on my credit report from XXXX XXXX XXXX XXXX which are very old even if the account says closed I have ask those old accounts to be removed from my credit file to no avail they still are listed and I want them removed. I only have XXXX name XXXX XXXX XXXX I only have XXXX address XXXX XXXX XXXX XXXX, I want all other names and address removed from my credit file and forward me a new copy of the credit report. XXXX to the new Law these bureaus are not practicing the law and I want them hel accountable for not proper handing and misusing my credit file. Consumers must be provided with all sources for the information included in their file, including from the original and other sources, so they can correct misinformation. Consumers only need to make a request and provide identification to get their report rather than using specific language or lingo. The report must be presented in a way an average person could understand and include the sources of information. 

The CFPBs advisory opinion has no effect on formal rulemaking but highlights the bureaus top concerns. It comes as the CFPB considers expanding and updating federal credit reporting standards under the Fair Credit Reporting Act. 

This is a statement from CFPB and I want my credit report fixed properly this time. Fix it and send me a new credit report reflecting the changes.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Fedloan Servicing was changing my repayment plan to an income contingent plan. During the filing process they let the loan become delinquent and reported it 60 days delinquent in XX/XX/2013.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries that was report on my credit report that I did not authorize, and security financial is still report on my credit report after I request to pay but was declined due because the company wrote it off now another agency have it so therefore am no long responsible for it. Please look more into my report so . Am  also request that university   XXXX   XXXX   be remove as well. It could be update asap,