23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

When I moved out of XXXX XXXX XXXX they informed me that my XXXX  XXXX rent relief funds would cover any closing costs that I had owed. I was approved for over {$3000.00} in XXXX Rent Relief, which would have covered the closing cost and then sum. I recently received a copy of my credit report and to my surprise I saw Genesis Credit Management on my credit. When I disputed this account, they emailed me a copy of my leasing agreement and move out statement that shows they did not apply the XXXX rent relief funds.
Product: Credit reporting or other personal consumer reports

I paid the Affirm account through XXXX and received a settlement letter. However, the Affirm hasn't updated the correct balance. Despite confirming my XXXX balance over the phone, they keep reporting otherwise to credit bureaus. I received written confirmation of my account status. I've also disputed this issue with XXXX several times, but without success.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a {$7000.00} charge off on my credit and XXXX  XXXX keep contacting me about this XXXX XXXX XXXX. I just received an email from XXXX XXXX claiming they were going to repossess the car. This vehicle was totaled in XXXX, and as shown in the attached photos both insurance paid out and GAP was paid to the lender, but they are still coming after me for a car that doesn't exist for money they were paid years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shows that I made a late payment on a XXXX XXXX XXXX mortgage account ( XXXX acct number ) onXX/XX/XXXX2014. This information is incorrect, I disputed the late payment reported by XXXX XXXX XXXX ( XXXX ) through the CFPB earlier this year, and XXXX agreed that it was an error, and provided all 3 credit bureaus an update to show that the payment was n't late. XXXX and XXXX correct their records, but Experian has n't made the change yet - and I personally made them aware of the error through a dispute a few months ago, and they still have n't corrected the error. The error has has made it difficult for me to obtain interest rates I need to get a refinance of my current property, and obtain other financial loans that I have been seeking this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or removed immediately my credit report. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX. XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX XXXX Unverified Account XXXX XXXXXXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXXXXXX XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Unverified Account
Product: Money transfer, virtual currency, or money service

Hi, I would like to complain about paypal again. how is it fair to just take my funds without even notifying me. They withhold my money for months and they just took it without any second thought. My email account is XXXX. is it possible for me to have my funds back. this is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX Balance Owed : {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have disputed 2 accounts that are listed on my credit report for 6 months. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX 
{$420.00} Equifax, XXXX and XXXX fail to provide actual legitimate verification. 

Please provide the bill of sale/transfer related to this debt. 

This reported account is inaccurate and can not be substantiated.
Product: Mortgage

I am filing another complaint because Wells Fargo Bank continues to misrepresent the truth in my case. The latest correspondence came today XXXX. Again they stated, as per their tape recordings, that I only applied for a {$20000.00} and never asked for a {$10000.00} as I have asserted over the last year. In XX/XX/XXXX, I applied for a {$10000.00} loan with loan consultant XXXX XXXX. XXXX XXXX stated since my house is almost paid for, I should borrow {$100000.00}. I told him that I am a XXXX senior on a fixed income and I can only afford to pay back {$10000.00}. He began to badger me and tried to force to borrow {$75000.00} which I also refused and refused his next offer of {$50000.00}. He continued his rude tactics trying to force me to borrow $ XXXX.At that point I informed him that I have a XXXX XXXX and he is causing me to have an XXXX XXXX. He continued and told me that. I was not going to get a {$10000.00} loan because there would be no benefit in keeping the loan at {$10000.00} due to the closing cost being rolled over into the new mortgage. This is evidenced in the correspondence submitted dated XX/XX/XXXX on page two, third paragraph. The fact that XXXX XXXX also tried to force me to borrow more than I could afford to pay back is evidenced n the correspondence submitted dated XX/XX/XXXX, on page two, third paragraph, where Case Specialist XXXX XXXX stated that XXXX XXXX recommended the higher amounts to save me on out of pocket closing cost The correspondence today again insisted that their tape recordings prove that I only asked for a {$20000.00} and never asked for a {$10000.00} loan which is totally false. I asked for copies of these tapes as per the Freedom of Information and The Open Records act but my request was refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have noticed the following fraudulent accounts on my credit files : XXXX - Opened XX/XX/XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Furthermore, I am allowed under the HIPPA LAW ( Health Insurance Portability Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I have never given permission to the above named companies for them to release or be provided my medical information or for them to release or provide my medical information to a third party. I understand that HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization which I have never provided, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide a breakdown of fees including any/all collection costs and medical charges you were provided to validate this debt. 
-Please provide a copy of my signature with the provider of service to release my medical information to the company reporting to you that you were provided to validate this debt -Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to me via mail, and accept this complaint as my 5th formal  notice of my identity theft and debt validation request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt to validate it. According to the FCRA all debt must be validated prior to posting or any company paying for your reporting services can fax, mail, or email fraudulent debt. 

Furthermore, any reporting of this debt by you prior to allowing me to validate it is violation of the FCRA which allows me to seek damages from a collection agent. 

Due to these accounts being a result of Fraud under the FCRA you are required to remove adn block these accounts within four business days from receipt of this complaint.
Product: Mortgage

The purpose of this memo is to bring attention to auditing errors that occurred just before the loan was paid in full. The account holder, XXXX XXXX, has made several attempts to resolve this matter with Loan Depot. The following auditing errors have occurred : XXXX & XX/XX/2020 MORTGAGE STATEMENTS Mortgage Statements on XXXX, XXXX, and XXXX have amount due balances of {$9700.00} ; {$18000.00} ; {$12.00}, XXXX respectively. Please provide an accurate auditing explanation. 

ESCROW BALANCE Escrow balance on the XXXX statement was {$1500.00}. In XXXX, the escrow balance goes down to {$640.00} with no explanation on the monthly statement. The final escrow disbursement was {$360.00}. Please provide a full escrow balance audit and explain why {$1500.00} was not disbursed to the account holder. 

PAYOFF PAYMENT On XXXX, a payoff statement was generated by Loan Depot for {$700000.00}. On XXXX, a wire transfer in the amount of {$700000.00} was sent to Loan Depot. On XXXX, Loan Depot increased the payoff payment to {$700000.00}. This is a difference of {$5000.00}. Please provide a full payoff audit and explain why {$5000.00} was added to the final payoff payment. 

MILITARY DEFERMENT Pursuant to the California Military Families Financial Relief Act ( Military and Veterans Code Div.4, Ch.3, Sec. 800-813 ), a XXXX who is called to XXXX XXXX XXXX defer mortgage payments ( interest and principal ) up to 180 days annually, if the service time is longer than 180 days. Military orders from XX/XX/XXXX to XXXX ( 204 days ) were provided to Loan Depot. However, Loan Depot only honored 150 days of the 180-day deferment. Please provide an explanation for why the full deferment period was not honored.
Product: Mortgage

My mortgage company was sold to Mr.Cooper dba Nationstar Mtg. Mr.Cooper took almost sixty days to bring my account current, and this was only after I submitted a complaint to the CEO of Mr.Cooper Mr. XXXX XXXX. Because Mr.Cooper was harassing me for a payment that was made to my previous mortgage company that had submitted my last payment, tracking #, etc. all documented, I made an additional payment from savings to keep my account current, because I did not want negative impact to my credit when the sixty days transfer grace period expired. Mr.Cooper then reversed my extra payment, not allowing me to make an early payment, Mr. Cooper also took the monies I sent is as extra funds to be applied to my account 's principal balance and designated them as " unapplied funds. '' Next, Mr.Cooper decided to take those extra monies from me and label them as " fees '' with no explanation as to why the precise amount I sent in to be applied as extra principal had become " fees. '' Mr.Cooper is able to charge the customers as much interest as possible by applying payments made on time on later dates, thereby allowing interest to accrue in favor of Mr.Cooper. Mr.Cooper is not allowing customers to apply additional funds to the principal, and has stolen them from the customer, charging them as " fees. '' Mr.Cooper also has no problem harassing customers on a daily basis via email, phone calls and letters even though the customer has not missed a single payment, has not sent in a late payment, etc. When calls were made, Mr.Cooper employees mention " don't worry about this, it will be taken care of within the sixty days, '' yet Mr.Cooper continues to harass customers. I seriously suspect that Mr.Cooper is looking to gain from customers ' funds by not applying payments in a timely manner, and by taking fees from customers ' accounts. I have never had such a negative concept of any mortgage company.
Product: Credit reporting or other personal consumer reports

I informed Company that my information was leaked in a data breach in my personal information was largely used. I did a police report. I sent it in twice LVNV and resurgent took it off and put it right back on.
Product: Debt collection

I have tried to contact the company who filed a judgement against my wife due to an unpaid credit card. The judgement resulted in a lien placed against my property. My wife passed away in XXXX  and I did not sign for or benefit from the credit card. Each time I tried calling the creditor I only get voicemail. I have left several messages for them to call me, but I have never received a response.
Product: Credit card

On the evening of XX/XX/2024, I misplaced my credit card. The following day, on XX/XX/2024, I noticed it was missing. I immediately went on my Chase Bank mobile app to close the card and noticed a fraudulent charge of {$1300.00} that occurred at the XXXX XXXX in XXXX XXXX in XXXX, XXXX I immediately called Chase to dispute the charge, get my card cancelled, and received a new one. My old cards number ends in XXXX. 

The next day, on XX/XX/2024, I saw a charge from XXXX for {$2.00}. The XXXX is the subway in XXXX XXXX XXXX. I hadnt used the subway recently so I thought even my new card was compromised so again, I immediately contacted Chase. The Representative asked me if I have used the subway recently. I replied that I did about a month previously. The Representative advised me that it was probably just a delay on XXXX  charge and not fraudulent. Therefore, I believed the Representative, let it go, and continued to monitor my account carefully. 

However, Chases investigation concluded a couple weeks ago. They deemed that I am responsible for the XXXX XXXX charge in the amount of {$1300.00} and that it wasnt fraudulent even though it was! One Representative stated that it is due to the XXXX charge being after the XXXX XXXX charge so their theory is that my card wasnt stolen. This is not the case. It was stolen. If this company had kept notes accurately, they would see my conversation on XX/XX/XXXX that I had with a Representative about the XXXX charge. 

I was advised to file a police report so I did. I sent it to Chase. However, they are still charging me yet again and this needs to stop. I dont know what more I can do. This has been so tiresome and frustrating. 

Chase Representatives on the phone do not take accurate notes on their customers complaints and situations. If the people and departments just communicated with one another properly, it would alleviate a lot of stress and frustration. In addition, when you call Chase, its just a game of being passed around from department to department and yet, you still dont get the right person to talk to.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts that don't belong to me and a Chapter XXXX listing that is wrong and 2 late payments that are wrong and some unauthorized inquires that don't belong on my file as well
Product: Checking or savings account

I ca not speak to a bak of America representative about my account and it has been over 3 years, they refuse to talk to me about my acct. And is violating federal law.
Product: Credit reporting or other personal consumer reports

My information was apart of several data breaches. There are several accounts that arent mine, there are incorrect spellings of my name, and incorrect addresses on my credit report. 

XXXXXXXX XXXX XXXXXXXX {$150.00} XXXX XXXXXXXX {$330.00} XXXX  {$280.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX  {$2100.00} XXXX XXXX XXXX {$970.00} XXXX XXXX {$15000.00} These accounts were opened without my knowledge and I am checking my credit and see all of these things here after years of letters saying my info was in a data breach, I didnt think anything of it. I have gotten letters or anything from any of these companies.
Product: Debt collection

I moved out of   XXXX   XXXX   on  XXXX    XXXX  . Everything in the apartment was clean and paint. A worker in the complex paint it and fix the spot in carpet for me! They are saying that they change carpet lying because want to charge and keep the money. Also I sent them all the info and is only until a colleccion agency call me that I know about this bill. They had {$750.00} of security deposit. Also I moved out because a custody battle in Michigan and give them proved!
Product: Credit reporting or other personal consumer reports

The Fair Credit reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' As a consumer I have a right to ensure that my private information is not shared. XXXX, XXXX, and XXXX are all consumer reporting agencies. 15 USC 6801 says " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' By definition under this title ALLY FINANCIAL is a financial institution. 15 USC 1681 section 604 a section 2 says that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution XXXX XXXX and consumer reporting agencies XXXX, XXXX, and XXXX DO NOT have my consent to furnish this information. I revoke any and all consent, written or non-written, verbal or non-verbal, and implied from XXXX XXXX  and XXXX, XXXX, and XXXX. 15 USC 6802 ( b ) ( c ) says that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' With that being said, XXXX XXXX ( The Financial Institution ) never informed me ( The Consumer ) of my right to exercise my non disclosure option.

15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account/inquirie is an adverse item on my consumer report being reported without my permission, which is AGAINST the LAW. " 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. according to 15 U.S. Code 1681s2 ( A ) ( 1 ).

In accordance with 15 U.S. Code 1681e which states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining these reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

After reviewing my latest credit report, I found several accounts that appear to have been added without my authorization.
Product: Mortgage

I, XXXX XXXX ( maiden name Banks ) have been in forebearence with my mortgage with Veterans United since XX/XX/XXXX. I received documentation in XX/XX/XXXX from Veterans United that my forebearence was about to end and to complete required paperwork. I completed the XXXX XXXXXXXX XXXX XXXXXXXX to keep my home at the end of XX/XX/XXXX. I sent the XXXX XXXX XXXX  XXXX certified ( USPS XXXX XXXX XXXX XXXX XXXX ) and it was received XX/XX/XXXX. I waited for my application to be processed and did not receive anything. I finally reached out via DM on XX/XX/XXXX and Veterans United replied on XX/XX/XXXX, that I could view the status of my modification online. I attempted to search for the status and it was nowhere the rep advised. I finally received a certified letter on XX/XX/XXXX and it was a demand letter stating that I must pay the amount of {$19000.00} in full by XX/XX/XXXX. I called and spoke with XXXX XXXX at XXXX XXXX XXXX on XX/XX/XXXX and she informed me that they are demanding the full amount because they never received a response back from the documentation that was sent in XXXX. I told her I in fact sent it back, certified! XXXX confirmed that the application was received and uploaded in their system on XX/XX/XXXX and was just never processed!! She advised I could re-fill out the app online to receive a quicker response. I had no clue as to why I would have to do the same form again as they had already had the form I sent. Per page 3 in the form, if you have a reduction of income or change in income, no documentation is required. They never requested anything from me at all. I never received a decision at all as well, so how can they demand the arrears? This is clearly a violation. I was not informed of this being a violation as XXXX requested that I just complete the application again. No fault was admitted at all.