23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I reached out to the company after the unexpected and XXXX XXXX of my daughter. I initially reached out to Bayview Loan Servicing to discuss my mortgage options. My home was was free and clear until I entered this relationship with Bayview. This was a cashout refinance but I did n't receive any proceeds. No money was ever disburse to me and according to my Settlement Statement I should have received monies. The loan type initially was suppose to be a fixed rate and $ XXXX. After, later discovering that the actually term was a ARM with an initial rate of 14 % and now the balance as of today is $ XXXX. I strongly believe I have been a victim of equity scheme and taken advantage of due to my age. When I questioned this and explain my inability to maintain this arrangement and to provide documentation on why the interest was high as it is. I feel like they are trying to force me out of my home without trying to assist me in understanding the terms of an agreement that I did n't authorize. They have refused to provide copies of the paperwork. I am in an active bankruptcy and they have ignore the letters as well as calls from my attorney. He has provided evidence that the sale of my property is in fact illegal according to him the proper publication duration has n't accord. But the representative from Bayview stated that the publication did occur for the duration as applicable by law. Despite several request for this documentation it has n't been supplied. I am an elderly lady with health issues this is the last thing I want to be going through at my age in my small community. I have ask desperately for help in saving my home. Calls have been unreturned, representatives have been far less than helpful this is the text book case of stealing, the companies practices is barbaric and sociopathic and no one seems to be concerned.
Product: Debt collection

This complaint is against Southwest Credit, XXXX XXXX XXXX, XXXX, TX, XXXX They are repeatedly attempting to collect a debt which has been successfully disputed three times, and is not a valid debt. In addition, they are reporting this as a collection to the credit bureaus and have been doing so since before they even contacted me. Therefore they did not send me the required notices prior to the reporting, even though they obviously had my current address at the time. 

I have repeatedly asked them to provide me with the response letters to those three previous disputes, but they have refused and instead send me copies of old bills - which were successfully disputed!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX : {$48000.00}.
Product: Mortgage

Company can not put me in touch with their department that can explain the reason for denial. BBVA
Product: Credit reporting or other personal consumer reports

My credit report, inaccurately managed by XXXX XXXX, a debt collector, indicated the 1st delinquency in XX/XX/XXXX, which was when the original creditor, Rise Credit, actually charged off the account. The real last payment was in XX/XX/XXXX, a detail I had to unearth from my own records because XXXX and Rise Credit failed to provide this information despite my multiple requests ( more than two ). 

Initially, Rise Credit did not include any information about the first delinquency date l, date of last payment, chargeoff date actual payment amount or really anything that verifies that they legally have taken the debt over when they first reported the account. My disputes, requesting validation were initially met with a response that the information had been validated. Further disputes resulted in an inaccurately reported delinquency date. 

Moreover, XXXX allowed XXXX to exceed the standard 30-day response window for credit disputes without any action until I intervened by calling them. Given these ongoing discrepancies and failures in reporting and responding, I am requesting that this account be deleted from my credit record to correct the errors and accurately reflect my credit history.
Product: Debt collection

I try to call ARS Resolution services and explain the I have medical insurance the amount was XXXX my deductible  XX/XX/18  they said that I owe XXXX and putted in my credit as collection
Product: Debt collection

XXXX alleges that I owe {$740.00}. They are reporting false and inaccurate information. I have no account with XXXX XXXX XXXX XXXX XXXX, nor do I have an account with XXXX XXXX XXXX XXXX  XXXX I requested debt validation from XXXX which I never received. Therefore XXXX is in violation of federal laws.
Product: Mortgage

XXXX ( or XXXX XXXX - not sure ) acquired my mortgage from my lender ( earlier servicer was XXXX ) late last year and I have had nothing but trouble since then, including the continued pursuit of foreclosure after I reached agreement on bringing my payments up to date ( I was late on XXXX payments ). The loan has now been brought current. This month, I made the payment due XXXX XXXX on XXXX XXXX, thru my electronic bill pay at my bank. The funds were debited from my account. Although I made the payment last month in exactly the same way, today, I got notice from my bank XXXX XXXX XXXX XXXX advising that the payment had been rejected by Seterus. I have spoken to Seterus, which claims it has no record of having received the payment. For now, Seterus shows that it has not received payment, but the funds have not been put back in my account ( I can not make the payment until I receive the funds back in my account ). If nothing else, I 've just wasted an hour of my time trying to get this cleared up ( XXXX ). See below : " The following payment was returned to XXXX XXXX. We are in the process of crediting this payment back to your XXXX XXXX payment account. Please allow XXXX5 business days for the payment to be credited if funded by a checking account, or XXXX7 business days if funded by a credit card or line of credit. 

Payee Name ( Nickname ) : SETERUS Account Number : XXXX Payment Amount : {$1700.00} XXXX XXXX Payment Account : XXXX Payment Send On Date : XXXX/XXXX/2015 If you did not place a stop-payment request on this item, there are several possible reasons for the credit : * Your payee account name, number, or mailing address may be incorrect. 
* The payment was sent more than 90 days ago, and the payee did not cash the check. ( Checks not cashed within 90 days are automatically credited back to your account. ) * Your account with the payee has been closed. 
* Your account with the payee has a credit balance. 

Before scheduling additional payments to this payee, you may want to verify the payee information or contact your payee directly for the specific reason for this returned payment. 

If you have questions, we are available XXXX days a week. Call XXXX XXXX Online Customer Service at XXXX or sign on XXXX to send a secure email. ''
Product: Credit reporting

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that used to verify the accounts I disputed. Being that they have gone past 30day Mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified, that I have disputed. Please resolve this manner as soon as possible. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permissionXXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXXXXXX XXXX XXXX XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent this company a letter requesting the proper information that shows I have a contract with them.
Product: Student loan

I contacted the Minnesota Attorney Generals office regarding my private student loans. The issued loans are deemed unlawful and meets the criteria of The Holder Rule as it pertains to the network of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. 

Attached are the statute details supporting the loans that are in violation from XXXX XXXX from the defective good ( s ) and services that were provided by the XXXX  XXXX XXXX XXXX, the loan has also been deemed to violate excessive usury as evident in the XXXX XXXX XXXX XXXX interest rates youve been collecting on. 

I requested both a discharge application as well as a full refund for past payments on both principal and interest, as they continue attempting to collect on a fraudulent private loan. 

That request has now been formally submitted ( XX/XX/24 ), ( XX/XX/24 ) regarding the loan/s.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : [ XXXX XXXX XXXX ; Account Number : # XXXX XXXX XXXX ; Account Number : # XXXX XXXX. XXXX XXXX ; Account Number : # XXXX XXXX. XXXX XXXX ; Account Number : # XXXX XXXXXXXX XXXX XXXXXXXX ; Account Number : # XXXX XXXX. XXXX XXXX XXXX XXXX ; Account Number : # XXXX XXXX. XXXX XXXX ; Account Number : # 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 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.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Debt collection

On XX/XX/XXXX I contested alleged debt because Plaintiff refuses to provide anything in writing. The Plaintiff 's attorney yelled, harassed, bullied me, and told me I could not dispute " so close to the hearing '', which is not true. 
I made her aware this is also beyond the statute of limitation. 
In XXXX, a judgment for {$11000.00} was granted on debt I am still unaware of, I was not properly served and did not know about this hearing. Plaintiff is now alleging I owe {$19000.00} and refusing to validate the debt. No hospitals have any debt on record under my name.
Product: Credit card

I had accounts with XXXX ( when it was XXXX XXXX XXXX ), and XXXX XXXX Store Card which is current but I expect it will be closed the moment I pay it off. These were all managed under XXXX Credit until Synchrony Bank took over. All of the accounts managed under Synchrony Bank I have gone through the same treatment. You get approved, they either raise or lower your limit and then close the account without any prior notice. They are checking the customers credit reports every month without the customers knowledge which makes their credit score go down, Synchrony lowers the customers credit limit which makes the customers credit score go down, then they close the customers account which makes the credit score go down also. I really wish I would have done an online search for complaints regarding this bank because there are many that have experienced the same thing. I had XXXX returned payment on the XXXX card and they closed my account without notifying me. I missed a payment, but did pay the late fee, got caught up on my XXXX account and they closed it without notifying me. I never missed a payment with XXXX, they lowered my limit then closed the account without any notification. They have already lowered the limit on my XXXX Store Card and I am close to paying that off so I left to believe that they will also close my account once it is paid off as well. I do not understand how the way they operate is even legal, they close your account yet still charge you high interest rates each month along with fees as if the account is still active. I continue to make the payments on the Synchrony accounts that are not paid off each month, but it is a great burden.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts : XXXX XXXX XXXX : Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX : Account # XXXX XXXX : Account # XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act by both physical mail and online disputes along with providing them with documentation to support my claim. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on about this topic. 

The credit bureaus have no respect for the laws or its consumers. 

Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Dear Mid-First Bank and or Midland Mortgage : On or about XX/XX/XXXX I contacted Midland Mortgage about misinformation the company made and placed on my credit report. I disputed the information and contacted the XXXX, ( XXXX XXXX XXXX ), a Midland third party partner. I spoke with XXXX who told me Midland had provided the information I was disputing to XXXX, XXXX and XXXX XXXX. Specifically, XXXX said Midland reported as of XX/XX/XXXX I was more than 120 days past due on my mortgage. That information is untrue. XXXX also said Mid-First Bank and or Midlands policy is to report mortgages as delinquent or late even if the mortgagee continues to make payments which I did after contacting Midland to request mortgage assistance. I was approved for a reduction in payment plan in XX/XX/XXXX and thereafter placed on a modification plan with a 3-month trial payment period that I paid as agreed. Nonetheless Midland reported to the credit agencies I was 120 days delinquent in XX/XX/XXXX. I believe incorrect reporting violates the Consumer Protection and Fair Debt Practices Acts. 
Any payments not made on my mortgage occurred because Midland instructed me to not make payments until after my modification was completed. I did as Midland instructed. I want my credit reports corrected and future reporting to be accurate as according to law. I want a statement from Midland explaining its policy with supporting legal documentation.
I look forward to hearing from you.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting ACT.to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses, and failing to adequately notify consumers of disputes outcome. These failures aligned with my experiences, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts, as Experians a inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

I financed a car and I was never late and it was totaled out and paid off I sent out letters from the company stating it was paid of bits its reflected late and its destroying my credit I request you update that the car was paid and never or delete it from my credit report thanks Im attaching the letter stating car was paid off
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, ( ENHANCED RECOVERY CO L Account XXXX ) accessed my report without my permission. 
That is a violation pursuant to 15 U.S.C Section 1681n civil liability. 
Any unauthorized inquiry is a violation and I ask for {$1000.00} for every violation.
Product: Credit reporting or other personal consumer reports

I am in the process of purchasing a new car ; therefore, I have reached out to the credit bureaus, asking them to verify these accounts. I also asked if they can do an investigation on everything on my credit report. After doing there investigation they stated that and they did. The major credit bureaus stated that everything was reporting correctly which was not the case, therefore, I would like to know what method was used to verify my account because there are a lot of inconsistences with reporting dates, and dates which accounts were open on my credit report. How is this information accurate if its showing differently on my credit reports, shouldn't it be the same across the board? I was advised that my credit report show be accurate across the board and should not have any discrepancies, and there are several in my case. 

As a consumer ; I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 168i ( 7 ) method of verification -description of reinvestigation procedure. 

According to the Fair Credit Act, XXXX XXXX have violated my rightsXXXX XXXX XXXX XXXX XXXX In accordance with the Fair credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.C 1681e ( b ) and 15 U.S.C 1681i ( 5 ) theses accounts are in violation of not reporting 100 % accurate.
Product: Money transfer, virtual currency, or money service

I have tried for XXXX straight days to withdraw {$200000.00} from my money market and Citibank has refused to provide me access to my funds. They refused to wire my funds. Then they refused to close my account and send me a check. They then had to send me an ATM card to verify me. When I asked to just close my account since they would not do a wire and send me a check, they said it would take XXXX business days to do so. I have lost thousands of dollars as the 90 day XXXX  continues to decline by their actions and I still do not have my money. Please help as this is criminal behavior to stop withdrawals from Citibank in light of the SVB crisis. They would not even provide names or supervisors for me. Just codes like XXXX and XXXX since their call centers are not based in the United States.
Product: Credit reporting or other personal consumer reports

Theres unauthorized items reported on my credit reports and some are due to identity theft. Furthermore, several laws have been violated. According to USC 1692c, the credit bureaus have violated my rights by unlawful communications. My lawyer and I are prepared to file a lawsuit. 


15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 section 2 states a reporting agency cannon furnish a report without my written instructions.
Product: Credit reporting

TransUnion XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX date:XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXXXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX