23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I completed a modification application late XX/XX/XXXX with the assistance of XXXX. On XX/XX/XXXX Wells Fargo requested several documents, 12 documents which I provided to them onXX/XX/XXXX and XX/XX/XXXXin their entirety and before the sale date of XX/XX/XXXX. Wells Fargo representative called me at XX/XX/XXXX stating that I would not be considered for modification and that they could not move forward with a review even though I provided them with everything they asked for. 

Office of XXXX complaints representative XXXX called me on XX/XX/XXXX and indicated that even though they had received the documents requested they would not be able to review the documents and consider me for mortgage assistance due to the proximity of the sale date and the history on the loan meaning how many attempts I made to modify. 

On XX/XX/XXXX XXXX called XXXX to tell them it was due to a lack in change of circumstances as to why my file would not be considered for re-entry into modification and none of the reasons that they gave were valid. 
!. I have moved back into the property. A very serious change in circumstances. 
2. My overall household income has gone up as I have been able to include my contributors income by prove co-habitation and shown that myself and the contributor have regained possession of the property which were previously being held up by tenants or some people a friend recommended as roommates but took over the home. 
3. My contributors income has also gone up since the previous application. to XXXX plus the XXXX XXXX of $ XXXX net average and my income of $ XXXX 4. I am including XXXX XXXX income now that we have regained possession of the property. 
( after meeting with my accountant I had to cut a few of my business expenses down but it is all reflected in the profit and loss statements attached. )
Product: Debt collection

Everything I miss a payment they call me repeatedly on Sundays every hour. Plz do not contact me on Sunday as this day is XXXX 's day for me. They have called me 5 times today on XXXX XXXX XXXX  starting aXXXX XXXX XXXX and call me on every hr.
Product: Vehicle loan or lease

I originally leased my car from Hyundai back in XXXX of XXXX. In XXXX of XXXX, I bought out the lease through a loan from my bank, XXXX. Hyundai never released the title to XXXX. I paid off my loan through XXXX in XXXX, and in XXXX  I wanted to sell my car, but realized I had never received the title. XXXX told me they did not have the title from Hyundai, and when I went to the DMV, they told me my car was still showing the title listed as Hyundai. It has been a year of back and forth with Hyundai trying to get them to release the title, but they have not and claimed it was " too old '' for them to release and they don't have a copy, but also will not send the information to the DMV to get the copy of the title sent to me so I can switch the title to my name.
Product: Mortgage

To whom it may concern, I have repeatly asked for a payoff of te following properties : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX in XXXX. 
I am forwarding a copy of this letter to CFPBXXXX XXXX and the attorney general of the state of PA. 

I have repeatly been told that I will receive the payoffs the next during a phone call. 

I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Each time I was told it takes 3 to 5 business when tat time has been exceeded and still to this date after 50 days I have not recieved the documentation that I requested and currently a closing for one of those properties is being delayed due to non receipt of the requested documents.

Lastly, I just paid off a property and still show a payment for May? The balance has been reduced but still show a payment due. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance withe the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # 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, 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Hello, I recently received a letter from the district court of XXXX XXXX Arkansas XXXX XXXX  as of XX/XX/year> The plaintiff is Portfolio Recovery Associates and I do not know as to what is going on and why they are suing me. This is very stressful for me and my family being that my son is going through XXXX and this agency is suing me for what? 

I have had previous bad involvement with this agency with harassing mail and violating my rights as a consumer. I need your assistance finding out why they continually harass me over ancient debt. This is causing me to have XXXX XXXX and I need to stay as healthy as possible to care for my XXXX children especially my son who is dealing with his XXXX battle. I wish they would LEAVE me alone please!!! I just received this letter and have not responded to this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Credit reporting or other personal consumer reports

Company failed to reinvestigate incorrect and harmful reports and provided them to creditors without my consent or in writing.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I called Portfolio Recovery Associates and requested they verify a debt that is currently in collections. I asked that they send me information that shows I owe the debt but did not receive anything from them. I did a follow up with them in XX/XX/2023 but was informed that they had nothing they could send me to verify the debt. Before I could ask them to stop the collection on the debt until they send me verifying information the rep hung up in my face. Ive tried numerous times to get information regarding this debt and the validity of it but its been to no avail. I also contacted all 3 credit reporting agencies to dispute the debt, XXXX removed the information from my credit report but XXXX and XXXX have yet to do so. They even have reporting errors on file such as date opened and date last active that they have failed to update since XXXX of XX/XX/XXXX.
Product: Vehicle loan or lease

I received loan inquiry alerts that I was not making. I put a freeze on my credit immediately. Weeks later, I received a letter in the mail with loan details about a XXXX XXXXXXXX XXXX that was purchased using my social and name ALMOST correctly like mine. I tried to contact the bank the loan was made through, Truist, but after they realized it was not me and I technically did not have an account with them, they refused to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy Dispute : It was requested that the Credit Bureaus provide information of how they verified the bankruptcy they stated was verified by the furnisher being the court house. I requested : 1 ) The Name Of the Court House 2 ) the name of the individual/person they verified the dispute with 3 ) The address 4 ) The Phone Number 5 ) The documentation used to verify the dispute letters attached XXXX  and Experian are fraudulently reporting this bankruptcy and the accounts attached to it. The North Carolina Bankruptcy court mailed certified, signed and stamped letters to me. These letters confirm that they have no relationship with any of the three credit bureaus and they do not verify with them directly. XXXX  and Experian have not verified this information with the furnisher as they stated and they have not provided the information I requested as to how they verified this information. ( Letters attached below ) XXXX  Has removed the bankruptcy as well as the accounts attached to it. ( see XXXX  removal document ) I DEMAND XXXX  AND EXPERIAN TO REMOVE THE BANKRUPTCY AS WELL AS XXXX  SCORE REWARDS ACCOUNT, XXXX XXXX   AND XXXX  XXXX ACCOUNT # XXXX FROM MY CREDIT REPORT IMMEDIATELY.
Product: Mortgage

Back in XXXX of 2023 my Mortgage XXXX company Lakeview Loan Servicing notified me of a massive data breach. Ever since that time my payments are not being processed. Every month I go on line, make my payment, and then that payment is never drafted from my checking account. I call them, they tell me the issue is with an incorrect routing number on my loan account. So they update the information, remove the late fee and I have them process the payment over the phone. This has been going on for 6 months now. Every month they hit my credit report with a late payment note. Every month they charge me a late fee, and every month they tell me the issue is resolved, but it never is. Every month, twice a month I have to waste an hour on the phone with their customer service department who in the end do nothing. Now they tell me they will only accept a cashier 's check as payment. I feel at this point my only recourse is to hire a lawyer and sue.
Product: Credit reporting or other personal consumer reports

Notice credit report with wrong information, Contacted companies con this matter
Product: Credit card

On XXXX XXXX, 2016 my landlord informed me that Discovercard had contacted him about a payment I owed. This was in complete violation of my privacy as I had never given his name or phone number as a contact for me or my account. In reviewing Discovercard 's stipulations for contact, he in no way whatsoever fit the criteria listed within. Again, Complete Violation of my PRIVACY. Read : Illegal. I called the toll-free Discover card # and the actually nice employee to whom I spoke, XXXX, reported it was general practice for their " skip tracers '' to search any other phone numbers at listed properties and contact them. For the record : I unknowingly was {$27.00} shy my last payment and all current info on my Discovercard account listed my bill of {$120.00} as ( Leading me to believe I was up-to-date ) due on XXXX/XXXX/16. It was only upon calling the automated number that I learned that I owed {$27.00} immediately. I paid this amount, immediately prior to speaking to XXXX. 
Fast forward to XXXX : I paid {$99.00} due on the due date of XXXX which was On Time. On XXXX I began noticing daily calls from a toll free number, so I called it back on XXXX/XXXX/16 and discovered that it was : Discovercard. I spoke with a gentleman who reported that they just like to check in and try to pre-schedule payments prior to due dates ( my Next Due Date is XXXX/XXXX/16 a full 20 days after they began their daily harassing phone calls ) I told him that their persistent calls equate to harassment to which he vehemently denied it as harassment. I requested that he document my request for the contact to cease. He repeatedly continued to offer several options/benefits for arranging payment within the same breath. With each offer, of which there were several, I told him again, and again that I was not interested and requested documentation of this as harassment. I will further document future calls and add them to this complaint as necessary. 
Per XXXX Dictionary : Simple Definition of harass : to annoy or bother ( someone ) in a constant or repeated way What Discovercard is doing equates to harassment whether they are willing to admit to it or not. I am requesting that it cease. I would also like some sort of fine imposed upon them for violating my privacy by contacting my landlord on XXXX/XXXX/16 as their actions were completely illegal based upon their own outlined privacy practices. 


Sent from my XXXX
Product: Mortgage

I have been working on a short sale with my lender since XX/XX/2017, and I have had an offer since XX/XX/2017. My lender has been stalling, on my paper work, and I am about to lose my buyer due to the length of time it is taking my mortgage to work the file. The assigned negotiator has had me do 4 or 5 extensions, and he even admitted that he had to many files to work at one time. This is ridiculous, what am I supposed to do if I lose my buyer over their inept ability to work my file? Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the credit bureau copies of my full name, address, social security number, and copies of documents for my personal information. I have requested them to remove misspelled names and numbers, addresses that are not mine, and that is not correct. I wish to get the resolved immediately.
Product: Checking or savings account

My husband and both received debit cards in the mail from Capital One for checking accounts we didnt open. When I contacted Capital One, they stated that XXXX checking and XXXX savings accounts were opened so XXXX accounts total. The only information about the creator they would give me is that they tried linking an XXXX account to my checking. I spoke with XXXX who said that someone tried to create a seller account using my email but the email was never verified. 

Acct XXXX for husbands card : XXXX
Product: Mortgage

Carrington mortgage services outdated software has caused me to incur fees and unwanted stress from issues surrounding electronic payments from online banks. They are now refusing to accept a payment from me that isn't certified funds based on their errors even though the account is not yet in default. They are going to cause the account to be in default purposefully by not accepting payments via ACH or by bank issued check, both of which have been attempted and funds are available immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint involves EQUIFAX AND XXXX report a chapter 13 that has n't been VALIDATED yet still remains on my report. Equifax deleted the reporting and then added it back which is a violation of the FCDPA LAWS that states you have to give the consumer 5 days notice before adding anything back to a consumers file. I challenge the accuracy, compliance, and reporting of both listings. As of XXXX XXXX, the law states the following Beginning XXXX XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments, and tax liens must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth ; and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. 
EQUIFAX AND XXXX HAVE FAILED TO VALIDATE THIS INFORMATION ON MY REPORTS AND IS CAUSING ME GREAT HARM. I want these items deleted today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft. Thank You. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CHild Support
Product: Mortgage

I XXXX XXXX CALED WELL FARO MORE GAVE I SERVICE TO REMOVE THE PM I IN SERVICE FROM MY LOAN XXXX AND WELLS FARGO STATED TO CALL XXXX XXXX AT XXXX AND WAS GIVING A NUMBER XXXX AND XXXX XXXX STATED THAT THEY DO NOT CAREY THAT LOAN AND TO CALL WELL FARO BACK AND THE JUST TOLD ME THAT THERE RECORDS STATES THAT XXXX XXXX CARRD THE LOAN SO WHO REAL CARRY THE LOAN BECAUSE RIGHT NOW IM PAYING WELL FARGO EACH MONTH, WELL FARGO STATED TO CONTACT XXXX XXXX AND HAVE THEM PUT IN WRITING THAT THE COMPANY DO NOT CARRY THE LOAN, THEN I WAS TOLD A YEARS AND A HALF AGO THAT WHEN I MEET XXXX TO XXXX on payments RULE THAT THE PMI INSURANE WOULD DROP OFF IN LESS SOMEONE TOOK OUT ANOTHER LOAN WITH OUT ME KNOW ING IT AND ADDED MORE YEARS TO THE LOAN.
Product: Debt collection

I notic

ed a year of so 2 derogatory marks open on my credit report. When I looked into it. I realized these were not my bills, but my daughters, and her ex ' who has custody of children. I took them to some appointments if parents were uncapable to that day, But was never, ever financially responsible for their medical payments?.

1-Once mistakes noticed I called dr 's office to correct mistake first..'unfortunately they said they had no info because folder went to lawyer 's office to collection '. I have called Lawyer listed on credit report numerous times, and even emailed him. Explaining situation and also giving him my daughter 's name and address, I also gave information pertaining to children 's father '' such as full name, and address ... informing him again, and explaining the mistake in detail. Requesting him to please correct it..Instead he just changed/updated date on report. orignal debt from XX/XX/XXXX..now is XX/XX/XXXX giving him 7 more years to collect and stop it from falling off my file on credit report. I have disputed it with credit reports, tried to work it out with lawyer, but its still on them. I 've supplied childs parents billing information.these 2 derogatory marks look really bad on my credit report and I think its a shame that I was unable to reasonably have them removed..when I even tried to help XXXX XXXX collect debt by supplying him with correct debt owners name, Addresses..he has not responded from my emails or voice messages?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the release of information against my will. I am now vulnerable to identity theft as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have expressed that there were multiple fraud accounts and inquiries placed on my credit file over the past few years and XXXX, experian and XXXX  are continuing to report fraudulent information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to have these issues fixed with equifax to no avail. There are 3 accounts on my credit report that have been continuously changed to reflect erroronus information. I have attached evidence of these errors on my reports. The 3 accounts are XXXX ending in XXXX, XXXX ending in XXXX and XXXX XXXX ending in XXXX. Please review statements for each account below : XXXX XXXX : - For the reports dated XXXX XXXX XXXX XXXX and XX/XX/XXXX, they state a last payment date of XX/XX/XXXX and a date of first delinquency of XXXX XXXX These dates remain constant, but the payment history has changed significantly on each subsequent report. See attached. This has had a significant impact on my credit and I would like this account removed due to the payment history being erroronus. 

XXXX XXXX : - For the reports dated XXXX XXXX XXXX XXXX and XX/XX/XXXX, they state a last payment date of XXXX XXXX  and a date of first delinquency of XX/XX/XXXX. These dates remain constant, but the payment history has changed significantly on each subsequent report. See attached. This has had a significant impact on my credit and I would like this account removed due to the payment history being erroronus. 

XXXX XXXX XXXX  : - For the reports dated XXXX XXXX and XX/XX/XXXX, they state a last payment date of XX/XX/XXXX and a date of first delinquency of XX/XX/XXXX. These dates remain constant, but the payment history has changed significantly on each subsequent report. See attached. This has had a significant impact on my credit and I would like this account removed due to the payment history being erroronus. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) the accounts are in violation of not reporting 100 % accurate. Moreover, I request to know all the steps the agencies took to insure these items were 100 % accurate under 15 U.S. Code 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report, and there were unverified/unauthorized accounts. I reached out to XXXX, XXXX, and Equifax about these issues and I have yet to receive a response. I have several accounts that were open due to fraud. I'm requesting that these accounts be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Equifax XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion is reporting inaccurate information to my credit report for the following account. 

XXXX XXXX XXXX - ACCOUNT # XXXX Inaccurate information : Late Payment ( XX/XX/XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX ) I have contacted both Credit Bureaus with request to " delete inaccurate information ''. The creditors response was they have " verified '' and " updated '' the information. However, according to my credit report, the information was never verified nor updated. 

Please see attached files photo copied ( Screenshots ) from their respected website on XX/XX/XXXX. It will show that the account has not been updated since XX/XX/XXXX. 

The creditors are in violation of my consumer rights under the FCRA 15 U.S.C. 1681 - U.S. Code in which the credit bureaus must report accurate, verified, and complete information. 

This violation includes negligence, willful noncompliance, and defamation inhibiting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

my personal info was impacted from the cybersecurity.