23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX is deceased. XXXX XXXX, I'm the owner of XXXX XXXX XXXX XXXX XXXX MD XXXX. I Took over mortgage payments in XXXX. 

I was unaware I had to pay XXXX XXXX, additional {$98000.00} XXXX XXXX XXXX balance XXXX for previous refinance, by the deceased homer owner.

The bank want the lump sum at one time So I to File bankruptcy XXXX, in order to keep my home. 

According to bankruptcy court she had a Orginial fixed rate loan payment with a due date pay off was in XXXX, which I still paid beyond the due date. 

According Master bankruptcy court my attorney was to investigate the loan as directed by the judge on the fixed and ballon payment. 

The judge said it was fixed loan. I'm still paying loan {$87000.00} 9.8 % rate interest XXXX principal. 

XXXX XXXX sold mortgage to 3 times to subsidiary banks such XXXX XXXX servicing, SN Servicing Corporation. 

Since then XXXX cash my homeowners insurance check to fix {$6200.00} foundation in XXXX, never return it to fix foundation. 

Homeowners insurance also sent need new roof XXXX and the SN SERVICING CORPORATION received the check from my Insurance is still holding that check for over a year, and I can not get roof or foundation fixed due to this issue with my mortgage compand and im still paying them for the loan through bankruptcy court. 

My ceilings have molded, also part ceiling fallening, and my income tenant move out. This is also a health hazard to me and my family. Roof still leaks. I'm still in bankruptcy paying mortgage to SN Corporation ... about $ XXXX so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware ( XX/XX/2022 ) today that XXXX XXXX XXXX  made a hard inquiry into my credit report with Transunion on the same day. I did not authorize this inquiry and when I spoke to XXXX a representative of XXXX to dispute this action because it did in fact lower my credit score I was told those dispute can only be resolved via regular mail. She further stated I would have to send documents stating my reason for deletion of the inquiry. The only document I could possibly send would be a letter stating I didn't authorize the inquiry. The burden of proof falls to person saying there is an issue and not to one who did the action. Further more the practice of requring someone to use the USPS is discrimination against people in the transportation industry which, in turn further victimizes them and then exposes people to covid ( unnecessarily hanling papers and documents from random people ) an issue that can be resolved and disputed via online or over the phone. I am an XXXX XXXX XXXX XXXX XXXX with no access to printers or a mail box. I am away from home for months at a time. I made Transunion aware of a bank requesting my credit report without my consent and they refused to investigate it and are making it virtually impossible to resolve, but reduced my credit score for something I didn't do.
Product: Vehicle loan or lease

I turned in my XXXX XXXX XXXX in XXXX of XXXX to XXXX XXXX XXXX in XXXX, California. They said they would buy the car from Ally/GMAC and there would be no fees or payments due. It was a three-year lease and I was in year three, with extensions, because of the Great Recession of XXXX. I was unemployed for twenty-two months. 
I never heard any news, information or ANYTHING for thirteen years until two weeks ago when I received a 1099-C form for cancellation of debt from the year XXXX. The amount is {$2300.00}. I do not know how Ally arrived at this amount as they have never contacted me since XXXX. 
California has a statute of limitations on auto loans and leases set at four years. Does this mean they can not sue yet can still process a 1099-C after thirteen years?

The date on the 1099-C is XX/XX/XXXX, again a date on which I had no knowledge of this activity occurring.
Product: Credit card or prepaid card

Upon selecting the option of making my XX/XX/XXXX payment due of {$3400.00} online with a statement balance of {$3400.00}. I received a receipt from American Express for {$3000.00} payment. From this point i was not able to login back into my account online, and attempts to call to investigate why i received a receipt for a different amount were unsuccessful because i kept getting hung up on while being transferred. I then receive next payment due reminder in the amount of {$1600.00} due XX/XX/XXXX, which left me under the impression that it was just a small error and my last payment was taken in full. I also received two merchant credits to my account in the amount of {$33.00} & {$250.00}. Through the following week I attempt to make my XX/XX/XXXX payment online unsuccessfully because American Express 's website would not allow me to login. Given that i was out of the country this was my only option to make payment. Upon arriving back in the states on XX/XX/XXXX i call Amex to make payment, and was told i had a 31 days past due. I did not receive any notice of any past due amount owed. This mistake has been reported on my credit and has taken my score down over 50 points! I have never been late on over the 5 years i have been with Amex.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correctedXX/XX/XXXX
Product: Debt collection

Since XXXX I have made countless request to have this debt validated. I have asked for itemized bills, I have made official disputes and I never get any response on the validity of this debt nor can they prove that it is my debt. I do not have any knowledge of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. I talked to the furnisher and they agreed to remove the fraudulent account but Transunion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When asked why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy. I need this account deleted from my file ASAP : XXXX XXXX XXXX XXXX
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 : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : U.S. Bankruptcy : Court Reference Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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: Vehicle loan or lease

Financial institution XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX - Westlake Financial Services. 

They repossessed my truck and once I made it aware that I had a payment ready to pay before they left with my vehicle I was told no. Immediately after my vehicle was repossessed I went to the location that they requested to pay the repossession check to get my truck out of the lot. Once I paid $ XXXX {$2000.00} to get my truck back out they put all the money towards the payment of the truck and then put {$500.00} repossession costs on my account. I called multiple times to get them and try to switch it because thats not how I asked for my money to be split up. They hung up on me. Harassed me did everything other than tried to help me. Ive requested lower payments on my vehicle because they are charging me the highest interest rate in the state of Ohio and I continue to not hear anything back. This company is very unprofessional and will do anything but try to help you. I had no choice but to go with this company because it was my first vehicle and I was just starting out with my business. I would like to file a complaint against this companyFor how rude and XXXX  they are with their customers.They have payment information wrong on my credit report and I constantly keep trying to file a dispute and they keep sending back XXXX  wrong information. They are making it hard for me to get my credit back up so I can get another vehicle in the future
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Address : XXXX XXXX XXXX XXXX, NY XXXX Accounts : XXXX XXXX, XXXXXXXX XXXX XXXXon my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts are inadvertently resulting in me being extorted.
Product: Debt collection

NATIONWIDE CREDIT , INC is a collection agency that works for XXXX. Nationwide is claiming I owe {$25.00} for an unpaid balance at XXXX. I have contacted XXXX customer service 3 times attempting to find out what this debt is, they have told me all 3 times my balance is {$0.00}. THERE IS NO DEBT!!!!!!!! 

My credit history is in jeopardy from NATIONWIDE CREDIT , INC for a debt I don't owe. 

NATIONWIDE CREDIT , INC XXXX XXXX XXXX XXXX, DE XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX. 2021 XXXX XXXX or IXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX Dear Sir or Madam : As of XXXX. XXXX. 2021 it is still displayed on all three of my credit report files, TransUnion, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX XXXX WITH NO Account number XXXXXXXXXX with a balance of {$42.00} and there's a duplicate with the same alleged owed amount of {$42.00}. This is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you
Product: Debt collection

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear CEO of XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Mortgage

Our mortgage servicer is SLS. Last XXXX we asked for payments deferred during the pandemic. We were granted XXXX through XX/XX/XXXX. During this time we elected to keep up with the escrow so we voluntarily paid the taxes and insurance to SLS during this time. We did not want a higher payment when we came out of this.

Although our 5 escrow payments cleared our escrow was not credited. In XX/XX/XXXX we began to make principal, interest, and escrow payments. 

I will download proof of 5 p and I payments deferred which matches our records. 

The escrow balance shows a negative XXXX which will also appear as a positive XXXX in the suspense account. 

The correct is escrow is XXXX which is XXXX per month with a total payment with p and I of XXXX We have now received a 2nd notice of default. with a notice of intent to foreclose. The default letter shows no payment for XXXX although a payment cleared XXXX. 

Another unresolved matter is adding force placed coverage in XXXX for {$2000.00}. This should also be credited. In XXXX an insurance premium was paid and the agency it was sent to did not send it to the insurance company. We moved to another agency in XXXX of that year and SLS was put on notice of the new coverage that was in force. On XX/XX/XXXX SLS paid for forced coverage that was not needed and also paid the new agency. ( Please see the attached ) Since we had coverage and there was no lapse the {$2000.00} should be credited to our account. 

I have also attached the 45 day notice of intent to foreclose.
Product: Credit card

Before falling behind on payments, I made regular on time payments, paying off any balance I had. I fell on hard times. I had no income to cover my expenses. During this time I couldn't afford my minimum monthly payments and they closed my account. When I got on my feet again I willing to make payments.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I called Medical Systems to validate the dates and amounts owed on several bills owed. Also violated the FDCPA without advising me it was an attempt to collect a debt. 

I sent them a validation request, they responded by sending me my personal information about each visit, This is a third party with access to my personal information without my consent
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against TransUnion for reporting incorrect and incomplete information regarding a XXXX XXXX XXXX account ( # XXXX ) on my credit report. The inaccuracies and inconsistencies associated with this account constitute violations of the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate removal of this account from my credit report. 

Specific Violations XXXX. Lack of Payment History : The payment history for this account is entirely blank. This is a violation of Section XXXX ( a ) ( XXXX ) of the FCRA, which requires credit bureaus to provide complete and accurate information in consumer reports. 

XXXX. Inaccurate Payment Status Information : The account is listed as " Unknown, '' which is inconsistent with data reported by other credit bureaus. This violates XXXX XXXX ( b ) of the FCRA, which mandates maximum accuracy in credit reporting. 

XXXX. Incorrect Dates : The date of last activity ( XX/XX/year> ) and the date of last payment ( XX/XX/year> ) do not match the records of other bureaus, indicating inaccurate reporting and further violating Section XXXX ( b ) of the FCRA. 

XXXX. Inadequate Comments : The report lists " XXXX XXXX XXXX  '' but fails to provide prior details of the account 's status ( e.g., " Charge-off '' ). This omission constitutes incomplete information under Section XXXX ( a ) ( XXXX ) of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent 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
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to significant inaccuracies in the personal information reported by Clarity Services on my consumer report. These errors include incorrect details regarding my name, address, employment history, and driver 's license information. These inaccuracies are causing a misrepresentation of my identity, which could potentially affect my financial standing and access to credit. 

I am requesting that Clarity Services conduct a thorough investigation and correct these errors to ensure that my consumer report accurately reflects my personal information, as required under the Fair Credit Reporting Act ( FCRA ). I have attached supporting documents that clearly verify my correct information and expect this matter to be resolved promptly.
Product: Payday loan, title loan, personal loan, or advance loan

After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amount.