23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We sold our home back in XX/XX/year> and moved outside the country. 
Recently we came back to XXXX and found a late payment records back in XX/XX/year> on our ( me and my wife ) credit reports. We did not recognize this late payment and called Supreme lending. So they said we missed our XX/XX/year> payment and it was paid on XXXX only. We did not received any sort of notification and didn't intentionally delayed the payment, because we were closing the sell in XX/XX/year> and thought the whole process would take care of the rest of our mortgage, which it did, but Supreme Lending declared it was only posted in XX/XX/year>. We never intended to default and didn't receive any proper notification from any parties, thought it was taken care of and left. We requested for dispute for this late pay record and was declined by Supreme Lending. Lack of caring for customer and surely didn't done well on sending notifications. 
It was 3 years ago, I can't recall lots of the detail but in the closing process the lender should be notified and somehow they knew the rest of mortgage money was for sure coming and didn't done well on their old customer. 
XXXX line is, we didn't know we were late on payments and thought the title agency company was taking care of the property sell and paid the mortgage, which they did pay it off. Supreme lending is lacking of customer caring and didn't provide proper notification. All they did is declining for offering help.
Product: Mortgage

We lived in our home for 19 years. As everyone knows, the economy crashed and I lost my job/ business that I had owned for over 20 years. We could n't afford our home anymore and so we moved out. We tried renting it, selling it, we tried everything. Our lender -PNC Mortgage- suggested that we do a " deed in lieu of foreclosure " which we completed in XXXX of 2015. 
Each month since then we get a late notice collection letter that each month has new late charges, interest and fees on this loan that we do n't have anymore. We do n't own the home now. 
They are continually reminding us and hounding us with these notices. I call them each time and they tell me every time that our deed in lieu is complete and that my loan is in maintenance and to disregard the notices. But I keep getting them and this is a very emotional, hurtful harassing thing they keep doing, reminding us every month that we lost our home. We are starting over and trying to forget and get past this terrible time.
Product: Mortgage

I was not notified by the lender of the intent to foreclosure. I was not notified that there was a scheduled sale date. I was not notified of any alternatives to avoid foreclosure. I am currently in review for a loan modification as well as review through XXXX Georgia. My case manager assigned to my case did not inform me of the sale date. I learned of the sale date by being flooded with advertisements which indicated the sale date. I contacted the lender and the representative confirmed that there was a sale date and when I asked why I was not notified the representative stated that I was sent a notice back XX/XX/XXXX. However my loan was modified and bought current XX/XX/XXXX.Should n't I have received a new notification as well as other options available? Now they are refusing to postpone the sale date.
Product: Credit reporting or other personal consumer reports

I have been trying to get this stuff figured out since XX/XX/year>. I had 2 erroneous late payments thrown onto my credit report, that has seriously damaged my credit and my reputation. After alot of investigating and phone calls we finally came to the conclusion that Citi Bank is the company in charge of Best Buy 's store branded credit cards. And they are the one 's who committed this HUGE reporting error on my credit report. Please see the attached document directly from best buy that proves my case to be correct. Not only did I cancel a subscription that i never signed up for, but i was also refunded the full amount of this hidden subscription that they gave me ( XX/XX/year> ). In XXXX and XXXX of XXXX Citi bank again violated me by placing a 30 and 60 day late payment on my credit report, for the subscription that was canceled back in XXXX of XXXX. How can a company of this magnitude make such a huge mistake? I've lost sleep, had to put buying a house on hold, and the worst part is that nobody has helped me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have six accounts that are showing up on my credit report they do not beloing to me they are not mine I have not applied or signed or used any of these accounts I need these accounts gone. 

XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$5700.00} OPened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX {$4100.00} OPened XX/XX/XXXX XXXX  XXXX/XXXX- Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX Amt {$860.00} OPened XX/XX/XXXX XXXX XXXX  XXXX XXXX Acct # XXXX Amt {$1200.00} Opened XX/XX/XXXX XX/XX/XXXX
Product: Student loan

On XX/XX/XXXX ... I emailed XXXX about a couple concerns that I have.
I have requested that XXXX exclusively communicate with me via email for any debts that I may owe. I asked them to please discontinue the daily phone calls to any of the numbers that anyone has provided on my account. I understand that I owe about {$450.00} dollars but I will continue to make payments until it is all paid off. An unnamed representative contacted me with this response : The staff does not have the ability to e-mail borrowers. The account is delinquent they will call parties that are associated with the loans. I had another concern that I addressed and need to be resolved ... A member of my family, XXXX XXXX, was added to my XXXX account a couple of years ago. Not sure why, but I was not contacted about this. It was her daughter ( XXXX XXXX ) that co-signed the loan, not XXXX XXXX. Unfortunately, my godmother, XXXX XXXX XXXX XXXX in XX/XX/XXXX and I went into financial crisis. Through that time, XXXX decided to constantly call XXXX XXXX 's house and I every single day ... so many times that in anger in around XX/XX/XXXX she told the representative calling that her daughter XXXX XXXX and please stop calling. In some strange turn of events, they are claiming that XXXX XXXX is the co-signer for a loan she did not officially sign for. I have not received any information, paperwork or validation of her involvement in my loan. According to XXXX XXXX, a representative calls every day for the past year. There are mentions of " taking you to court '' and " we will cease your house. '' I am not sure what to make of this, but I want her to be deleted from my account. She had nothing to do with my loan/debt.
XXXX XXXX response was : The person you are referring to below is a co-signer of the loan and is just as responsible for payments as you. They can not be removed from the loans. The staff does not and never threatens our borrowers with any such actions. Please maintain payment in order to elevate the calls.
XXXX has not reached out to me for a solution or an attempt to help me with any financial difficulties, just continue to call and ruin our credit. I hope we can come to a civil resolution so this goes no further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never notified by either lender XXXX XXXX  or Yamaha Financial Corporation USA that my loan was being transferred to Yamaha Financial Corporation. They made one attempt to contact me via phone regarding payment but I had no idea who they were and they asked for my SSN, DOB, Name, Address. I refused to provide this information to anyone on an inbound call.

My payments are scheduled through Auto Pay and were sent to XXXX XXXX  After talking to a manager ( today ) he said that they only transferred the payments for 3 months. Again, I was never notified about this policy. After 3 months and while XXXX was still receiving my checks they decided to discontinue transferring my payments and put me in a negative standing. I received 1 notice in the mail regarding late payment and again ignored it due to suspicion of a scam/fraud. After receiving the 2nd notice I called in skeptical to provide my personal information but did  so anyways. 

I spoke with a representative who for the first time explained to me that Yamaha Financial Corporation USA had taken over my loan. I sent in a payment for the 2 months XXXX XXXX did not transfer my payment and paid the upcoming 3rd payment in advance. In 2 years all my payments have been on time. I've attached bank info to demonstrate XXXX continued to receive my payments but just did not process them after XXXX. 

The person I spoke with in XXXX confirmed that my credit would not be damaged due to this. I told the supervisor XXXX ( employee ID XXXX ) to listen to the call and validate what I was told at the time. He told me it would take a while to do this, which is a lie, and I was more than happy to wait on hold. I was misled/lied to by the original collection officer about the negative reporting and a supervisor ( XXXX ( employee ID XXXX ) ) did nothing to fix it. 

I value my credit and have over XXXX on time payments in my history. 

He told me that he would not make any changes to the wrongful reporting because I missed payments. Which is not the case, either XXXX or Yamaha Motor Corporation received every monthly payment since the loan origination. See attachments. He spent more time trying to explain to me what had happened with the merger than it would take listening to the call I had with the previous representative and fixed what they had done to my credit. 

I am very displeased with the communication from Yamaha Motor Corporation USA. They made very little effort to notify me of the change in lender. My payment history defines my ability to make payments online but XXXX did not care a single bit. Continued to say that " packets were sent out ''. Seems odd that I wouldn't receive a single thing about a merger ( new lender ) but received the 1st and 2nd notice without issue about payments not posting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act : Collection : ( LVNV Funding LLC- XXXX XXXX XXXX ) , has violated several of my rights 15 U.S.C 1881 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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, 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.
Product: Mortgage

I just learned that dual tracking from the mortgage company and that exactly what they did to me. 
Midland mortgage was telling me on every call that i could make a payment and it would postpone the foreclosure as long as i was making a payment. Yet, i was still given a sheriffs sale date. I would call them no less than once a week. I had to leave my home. I can not undo what midland did but they should be forced to remove the foreclosure from my report so i can buy another home. Do i have legal recourse for what they did?
Product: Vehicle loan or lease

I refinanced my vehicle from Wells Fargo bank to XXXX XXXX Bank XX/XX/2023. I noticed that I was still receiving statements from Wells Fargo XX/XX/2023 so I called to verify my account has been paid as I understand it takes a XXXX  of weeks. The several Wells Fargo customer service agents I have spoken with recommended I make an additional payment or they will report my account as delinquent. I asked to speak with someone higher who could tell me about the status of the check received from XXXX  XXXX and after providing the requested information, they told me that they have NO record of the check from XXXX  XXXX. I also contacted capital XXXX and spoke to someone in a similar department and was told otherwise about the Check. XXXX  XXXX stated that it would have been returned but it has not. So currently I have multiple car notes due form both companies and still being charged interest and late fees from Wells Fargo bank.
Product: Money transfer, virtual currency, or money service

I transfered money from my Coinbase account to my bank account XX/XX/XXXX and got a response that money will be on my bank account XX/XX/XXXX but it still has not arrived. 

The amount was XXXX euros and XXXX cents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried disputing multiple accounts on my credit report.every month since XX/XX/2023. I have previously sent multiple requests to validate my debt with attached account numbers and names Each month, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023. Under the Fair debt collection practices act I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation and the inaccuracies are still on my credit report. The charge of accounts are falsely manipulating the statute of limitations which is the FCRA violation. Please delete collections, charge offs inaccurate personal information immediately due to the Gramm-leach-Bailey act : Protection of non public personal information 15us code 6801. Negative accounts : block of information 15 is code 1681 C-2, and Accounts verified : Procedure in case of disputed accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

This problem is with Experian. They are reporting several accounts negative and balances incorrect. I do not believe they are verifying the information at all because if they were these negative accounts would have been cleared up. My XXXX  account has me negative 4 times the remark is i had a late payment. if they actually verified the information they would know i did not have a late payment i had a partial payment and have never been late. My XXXX  credit card account is being reported with the wrong balance and not saying closed and paid in full. My XXXX XXXX account is still saying I had two missed payments after the representatives told me otherwise. Yet and still Experian is not doing their job. Then their updating it which is causing it to remain on my credit even longer.
Product: Mortgage

Payment Errors : I made 4 payments to XXXX XXXX, XXXX. c/o LoanCare , LLC in XXXX and XX/XX/2019. XXXX credited the first 3 payments on the dates received, then reversed the payments on XXXX  and credit the third payment as the only payment made before selling the mortgage. The payments have now been credited to my account, but I can not get them credited to the correct dates -- costing me hundreds in interest. I spoke to both XXXX and the new lender ( XXXX ) who incorrectly told me dates don't matter, and that I would never get the dates changed. I sent both servicers certified letters documenting my payments. XXXX did not reply to my written complaint and XXXX replied, but said they don't see any problems. 
1 ) On XX/XX/XXXX I paid XXXX XXXX, XXXX. c/o LoanCare , LLC the amount of {$42000.00}, which should have been credited to principal. This payment was initiated directly from the XXXX mortgage website ( XXXX XXXX XXXX ). This payment was not credited to my account until XX/XX/XXXX. 
2 ) On XX/XX/XXXX I paid XXXX XXXX, XXXX. c/o LoanCare , LLC the amount of {$27000.00}, which should have been credited to principal. This payment was initiated directly from the XXXX mortgage website ( XXXX XXXX XXXX ). This payment was not credited to my account until XX/XX/XXXX. 
3 ) On XX/XX/XXXX I paid XXXX XXXX, XXXX. c/o LoanCare , LLC the amount of {$1900.00}, which should have been credited as a normal payment. A check was mailed to XXXX XXXX, XXXX. from my credit union. This payment was not credited to my account until XX/XX/XXXX. 
4 ) On XX/XX/XXXX I paid XXXX XXXX, XXXX. c/o LoanCare , LLC the amount of {$1000.00}, which should have been credited to principal. A check was mailed to XXXX XXXX, XXXX. from my credit union. This payment was not credited to my account until XX/XX/XXXX. 

Failure to provide accurate information regarding mortgage servicing transfers : XXXX XXXX, XXXX. c/o LoanCare , LLC failed to tell me that my loan was being transferred to XXXX prior to the transfer. When I called XXXX XXXX, XXXX. c/o LoanCare , LLC on XX/XX/XXXX, I was told that XXXX received my loan on XX/XX/XXXX and XXXX staff told me they could no longer help me, because I wasn't their customer. After I complained via phone to both companies, I received a letter from XXXX dated XX/XX/XXXX ( the date I called ) letting me know that they would be taking over my loan on XX/XX/XXXX.  Both companies told me it was my responsibility to work with the other company to resolve my payment errors, even though by law they're supposed to work together to correctly credit payments made during the transition period. I have attached the letter I sent to both companies in XXXX.
Product: Credit card or prepaid card

Ive had this card for over 18 years and they offer reward points that can be redeemed for store cards. I accumulated XXXX point which qualified me to receive a XXXX XXXX card for {$250.00}. I requested the card in XX/XX/XXXX. I didnt receive it within the timeframe that they stated. I called them in XX/XX/XXXX and they verified that I didnt receive the card so they added back the XXXX points so I could request the XXXX XXXX card again. I did so and the same thing happened. I didnt receive the store card. I called them again in XX/XX/XXXX and was advised to file a claim for an investigation so they could research the issue. They also credited my account with the XXXX points and I redeemed them again for the XXXX XXXX card. I filed the claim over the phone with them and nothing was done. I didnt even receive a call to advise me of the outcome. Again, I called them, at this point it was already XXXX. They credited the points back to my account so I could redeem my rewards again. At this point I gave up requesting the XXXX XXXX card to see if I would have better luck with a different reward. On XX/XX/XXXX I redeemed the XXXX points that I had accumulated. I requested several store cards which to this date XX/XX/XXXX I have yet to receive. Is there anything you can do to help me get these rewards that I have earned? I really dont want to spend anymore hours on the phone with them and not get any results.
Product: Credit reporting or other personal consumer reports

I dont recognize these companies that have posted hard inquiries on my credit report. I dont know who they are and Ive never given them permission to use my personal information. Please kindly remove the hard inquiries mentioned below. 

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

Your system will not allow me to upload as many files as I have for a prior compliant. 

I want to upload all the files relating to the issue- and the complete file is over 39 MB. 

And all three, XXXX, TransUnion & XXXX  will have all the files pdf format, in completeness, giving them proof of my identity, and credit history with accuracy. 

Hopefully they will have some common sense to correct the Credit Report and generate a credit score.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX OF XXXX **** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chapter XXXX Bankruptcy XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX Chapter XXXX Bankruptcy Federal # XXXX XXXX OF XXXX **** XXXX XXXX Bankruptcy XXXX XXXX XXXX  FL XXXX # XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I paid off the remaining balance on my student loans on XX/XX/. I reached out the week of XX/XX/, as I could no longer could log in to my account. It seems the blocked my access to the portal but sent no confirmation that loans were paid off and after 30 days, the student loans are still showing on my credit reports. I am waiting for the credit report to be updated before I apply for mortgage. They are dragging their feet.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the Experian, XXXX and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX {$1900.00} Account name : XXXX XXXX XXXX {$1200.00}, Account name : XXXX XXXX XXXX {$610.00}, Account name : XXXX XXXX XXXX {$620.00}. ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX {$440.00}. However, they stated everything was complete and accurate. But how is that possible, if date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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.