23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Since XX/XX/2019 our Realtor has been trying to get SN Servicing to consider a short sale. They have been extremely uncooperative and unwilling to come to any resolution. We currently owe more on the mortgage than the property is worth but I'm told that they still want a full payoff. This doesn't make any sense. The house is in deplorable condition and falling apart. My realtor even payed for a BPO and sent it to SN Servicing with no results. We desperately want to get this resolved. SN Servicing has not stated why " the investor '' ( their client ) is unwilling to consider a short sale. We have a ready, willing, and able buyer to purchase the property. We think SN Servicing just wants to foreclose because they're not giving any reasons for not cooperating. 

The following attachments are included : 1. Email correspondence between our realtor and the mortgage servicer 2. BPO ( Broker 's Price Opinion ) 3. Photos of the property
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX to whom it may concern please provide proof of charge off for this account, im writing in regard to inaccuracies on my credit report. this account is reporting CHARGED off with a balance for XXXX and reporting a zero balance for Transunion which is it? Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Product: Credit card or prepaid card

I was stunned after I obtained my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I already disputed this with the credit bureaus and they  verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Product: Credit reporting or other personal consumer reports

Credit inquiries on my credit report that I don't recognize. It wasn't authorized by me. 

XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am trying to link my XXXX account to my TD account and TD will not allow it.
Product: Debt collection

I called to try to settle for less. They refused. I said I would call when I could afford it. They send texts, call, constantly The only reason I have the rent debt is because of Covid. I lost my jobs and couldnt afford my apartment
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Reinsertion of Previously Deleted Information in Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the reinsertion of information that was previously deleted from my credit report. This action violates Section 611 ( B ) of the Fair Credit Reporting Act ( FCRA ), which clearly outlines the procedures and requirements for such reinsertion. 
Details of the Complaint : - **Name : XXXX XXXX XXXX XXXX **Date of Birth : ** XX/XX/XXXX - **Social Security Number XXXX - **Address : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX **Background : ** XXXX XX/XX/XXXX, EXPERIAN deleted the following information from my credit report XXXX This item was removed from your credit report. Please review your report for the details. This deletion was based on Deleted - This item was removed from your credit report. 
**Reinsertion Incident : ** Despite the clear provisions under Section 611 ( B ) of the FCRA XXXX which require a creditor or information furnisher to notify me in writing of their intent to reinsert any deleted information, I recently discovered that experian has reinserted the previously deleted information mentioned above. However, I did not receive any prior written notice regarding this reinsertion. 
**Impact : ** This reinsertion has adversely affected my credit standing and financial reputation. It has potentially harmed my ability to obtain favorable terms on loans, credit cards, and other financial products. 
**Request for Resolution : ** In accordance with the FCRA, I request the following actions to be taken : 1. Conduct a thorough investigation into the reinsertion of the deleted information in my credit report. 
2. Ensure that [ Name of Credit Bureau ] complies with the notification requirements outlined in Section 611 ( B ) of the FCRA.

3. Correct my credit report by removing the reinserted information promptly.

**Supporting Documents : ** Enclosed with this complaint are copies of relevant documents, including : - Copies of correspondence with Experian regarding the original deletion.

- Copies of my current credit reports highlighting the reinserted information. 
- Any other supporting documents deemed necessary to investigate this matter. 
**Contact Information : ** Please feel free to contact me at the above address or by phone at XXXX should you require any further information or clarification regarding this complaint. 
I appreciate your prompt attention to this matter and look forward to your swift resolution. Thank you for your assistance in protecting consumer rights under the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

XXXX froze my heloc because they devalued my property i have since paid down both my first mortgage and second mortgage by over 50 %. they want me to order and pay for an appraisal which i am not going to do. when the froze my line they instructed me my home dropped in value to XXXX which is XXXX. but i will accept that value since i have paid down my mortgage by over 50 % i am not paying for an appraisal
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/17 I learned that experian allowed my personal information to be stolen. Terrible
Product: Credit reporting or other personal consumer reports

I recently received a copy of my consumer report and noticed inaccurate accounts reporting on my consumer report. XXXX, Equifax, and XXXX is in clear violation of the law pursuant 15 USC1681B. The company has constantly disregarded the Consumer Credit Reporting Act which clearly states they can not add the item back unless more documents are provided and I am notified. Please remove Eastern Account system from report. Under the Fair Credit Reporting Act, XXXX, Equifax, and XXXX has violated my rights. 15 U.S.C 1681 section ( 602a ) states, I have the right to privacy. 15 U.S.C 1681 section ( 604a ). Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

a collection letter as sent to me from asset care llc and a derogatory mark was listed on my credit file with credit check total. when I researched this company because I never had a account with them I found that the account was transferred or sold which makes me no longer responsible for this account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contract, or written signature for this accused debt. Sending me a bill with no signature or contact does not validate this debt, Anyone can send a bill to someone and say its there's. According to the FCRA, Asset Care LLC HAS VIOLATED MY RIGHTS as a consumer and I'm requesting legal action to remove this account immediately.
Product: Debt collection

have attached 2 complaints against XXXX XXXX. I has disputed XXXX XXXX of Georgia that appeared on my credit because I did not know who they were. And before I could even get results, the name changed to XXXX. I disputed that item, the company could not be reached and it was sent to the FTC regulator and the item was removed from my credit. Then XXXX sold the debt to XXXX XXXX. The letter informed me that I had 30 days to notify them in writting if I disputed the debt. I immediately called them to inform them of the dispute status of the original account. You can read the attached complaint. The notified me that they would not report and remove the item from my credit files until they completed an investigation and notified me of the results. At the time I filed the complaint they were not showing on my credit file, but then XXXX XXXX appeared. I was suprised as I had not received any notification of the results of investigation. So I filled out a second complaint, you can see the attached complaint. They did not respond, I am waiting for a response and the item is still on my credit. It is a deceptive practice to say they are going to do one thing, and then take a negative action against me that is contrary to what they said they were going to do. This items needs to be removed from my credit as they violated my rights as a consumer 1.  For reporting an item that had already been removed 2. Not responding in a timely manor. 3.  Taking a negative action against me after saying they were not going to report the item till they notified me of the results of the investigation. I called the company Friday to try to figure out what was going wrong, why they were not responding, they said you trust consumerfinace.gov to transmit information to us. I spoke with three people, I still have no clue as to why this item still appears on my credit history. Every person I spoke with said they were a manager or a boss, when questioning if that is their real position, they get mad. I feel that they are liars, that really do not want to offer resolve. They said it is your address and we they delivered it to your house. They provided me with some images that show someone picked the merchandise up from the ware house and that the items were not delivered to my house, and that the person who picked it up had a different name than me. Please remove immediately.
Product: Credit card or prepaid card

I have been a Chase Business Credit Card Holder for a few years now and I've always paid my bills on time. Since Covid hit in XXXX, I've had to close my business and lay off all of my employees. I've called and begged and pleaded with Chase to please either lower my interest rate or possibly help reduce some of my interest fees due to the fact that my company is closed yet they refused. They told me that the Federal Government is not allowing any interest fees to be waived. That makes absolutely so sense at all. How is a company supposed to pay off it's bills if we are not allowed to open? I own a business in XXXX and I don't know if I'll ever be able to reopen. I had to take out a loan just to pay off this card because they continued to charge interest fees even after I told them that my business was permanently closed. What a disgrace and a disgust. These massive financial institutions that have billions of dollars and they can't give a small business a break on interest fees after being told the business is closed. Welcome to America!
Product: Mortgage

The mortgage loaner Dovenmuehle hasn't reimburse me the 2017 Real Estate Property Taxes over payments for the amount of {$1200.00} as describe in the RESPA Page 21 title Shortages, Surpluses, and Deficiency Requirements 12 CFR 1024.17 ( f ) The servicer shall conduct an annual escrow account analysis to determine whether a surplus, shortage, or deficiency exists as defined under 12 CFR 1024.17 ( b ). If the escrow account analysis discloses a surplus, the servicer shall, within 30 days from the date of the analysis, refund the surplus to the borrower if the surplus is greater than or equal to {$50.00}. If the surplus is less than {$50.00}, the servicer may refund such amount to the borrower, or credit such amount against the next years escrow payments. These provisions apply as long as the borrowers mortgage payment is current at the time of the escrow account analysis.
Product: Credit reporting or other personal consumer reports

I am a natural person ; I am a living human being. I have rights under 15 USC 1681. Equifax is given by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, FL XXXX Date of inquiry XX/XX/XXXX XXXX  Dispute this Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, FL XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Dispute this Address XXXXXXXX XXXX  XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, FL XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX Date of inquiry XX/XX/XXXX XXXX  Dispute this Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX Reported balance {$3000.00} XXXX XXXX XXXX : XXXX {$1700.00} XXXX XXXX XXXX : XXXX View Account XXXX Reported balance {$4900.00} XXXX XXXX XXXX : XXXX balance {$3500.00} Date reported XX/XX/XXXX XXXX XXXX XXXX : XXXX {$1500.00} XXXX XXXX  XXXX : XXXX {$3500.00} XX/XX/XXXX
Product: Checking or savings account

XXXX XXXX XXXX I received a call from a XXXX XXXX identified herself as an employee from Chase fraud department verified my account number and said she was closing my account and issuing a new card. 
XXXX I received an email saying apple card added to my account. 
XXXX XXXX game stop charge appeared. 
XXXX XXXX  notification came on my phone charge on target fraud. 
XXXX charge at XXXX XXXX XXXX XXXX saw fraud report with game stop charge on there, I called chase and they gave me XXXX in my account. 
XXXX saw temporary credit XX/XX/16 took back credit. 

I went to XXXX police department filed a report, A detective went into XXXX stop and got surveillance tape saw it was not me. 
detective called chase explained all that also offered them surveillance tape they said no case closed. 
They are claiming the call from XXXX XXXX was a fraud phone call, like i was suppose to know that with all the people working fvrom home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX 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 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: Debt collection

I had a PayPal account and I sold 4 XXXX  tickets to this person we mailed them to his house, he was insisting we use services not friends and family he said he would pay the fee they charged so I did then he claimed he never got the tickets his name is XXXX his wifes name is XXXX she is the one I talked to and she said they used the tickets, his number is XXXX I tried to dispute this with PayPal they closed my account and refunded this scammer now they turned me over to a collection agency XXXX XXXX,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is reporting my credit card late 60 days on XXXX credit report i've never been 60 days late i've paid the card off in full every month this late payment info is inaccurate
Product: Debt collection

XX/XX/2020 I submitted a dispute to all XXXX XXXX XXXX credit bureaus, of Identity theft of this account, and received a letter from the National Credit Adjusters, that this account has been verified. in the amount of {$730.00}. I received no contract or proof of any information showing that I signed documentation for this pay day loan. This account has been sold to them again, in XX/XX/2020, after successfully removing this same pay day loan from my credit reports XXXX XXXX XXXX months prior from another company.This company continues to harass me with Robocalls and letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

TeleCheck from Fiserv is a check acceptance company. TeleCheck and XXXX XXXX XXXX have been providing undisclosed and fake information to XXXX about me XXXX XXXX to Decline valid charges using XXXX  XXXX XXXX XXXX account ending in XXXX. 
I have been targeted by XXXX XXXX XXXX at financial institutions like Fiserv, Telecheck, and XXXX XXXX XXXX who are attempting to destroy my Business and Personal Financial reputation with false debts and credit information. 

1 ) There is no legitimate reason my XXXX and any other online Transactions should be Declined by Telecheck. The average deposits in the checking account being used is over {$10000.00} USD. 
2 ) TeleCheck has refused to provide me, XXXX XXXX, with a Consumer Report and more than 3 requests have been made for this information on the Telecheck website XXXX ) TeleCheck has not provided a Decline Code to XXXX or me XXXX XXXX the Consumer to properly investigate the reasons for this discrimination and harassment. 
4 ) These fake Declines are illegal Hate Crimes perpetuated by XXXX XXXX XXXX working in established Financial Institutions targeting XXXX and other People of XXXX. 

Please investigate and have Telecheck release all details related to the unsubstantiated Declines. These false declines are unfairly ruining my financial reputation. These issues have been reported to Telecheck using Complaint Codes XXXX and XXXX.
Product: Mortgage

Hello, My name is XXXX XXXX and I have an FHA loan, serviced by Caliber Home Loans, that I need assistance with. The loan, which is referenced as Loan Number XXXX by Caliber Home Loans, is currently in default status and Caliber is attempting to proceed with foreclosure on the home. 

In XX/XX/XXXX, I became unemployed. I did not resume work until XX/XX/XXXX, due to difficulty finding employment caused by unfounded negative references from my former employer. During this time I was approved for an FHA Special Forbearance Plan in regards to my mortgage. I worked with Caliber Home Loans to pay these payments between XX/XX/XXXX andXX/XX/XXXX. Each time I contacted Caliber regarding the payments, I was informed that the payments would be accepted and applied to my forbearance plan even though they were not received by the XX/XX/XXXX day of each month of the plan as long as the payments were made by the last business day of the month. I made all of the required forbearance plan payments from XX/XX/XXXX through XX/XX/XXXX by the last business day of the month, which were accepted and applied to my balance. 

In XXXX and XX/XX/XXXX when I contacted Caliber to make the payments, I inquired as to the need for any additional paperwork or documentation from me for the Forbearance process to be completed and normal payments to resume in XXXX. Each time I was informed that the process to complete the forbearance would automatically update once the last payment was received and no additional documents were necessary. 

In XXXX, I have attempted to make my normal mortgage payment only to be informed that my payment would not be accepted because my home is in foreclosure because I did not submit the required paperwork to process the end of the forbearance plan. In my most recent contact with Caliber Home Loans, on Friday, XX/XX/XXXX, I was informed that I should not attempt to make the XXXX payment because their policy was to return payments that were not made in full during the foreclosure process - meaning that if the payment I was going to make was not equal to the total past due amount ( now approximately {$15000.00} ) my payment would not be accepted. 

I would l like to continue living in my home and eagerly await the opportunity to resume normal monthly payments. Any assistance that you can give me on this matter would be greatly appreciated. 

Sincerely, XXXX XXXX XXXX, Borrower XXXX XXXX XXXX XXXX, TX XXXX XXXX ( cell ) XXXX ( home ) XXXX XXXX XXXX XXXX, Interested Party ( Spouse of Borrower ) XXXX XXXX XXXX XXXX, TX XXXX XXXX ( cell ) XXXX ( home ) XXXX XXXX
Product: Student loan

Navient put 6 different loans and split them up and filed them all as delinquent