23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I became unemployed in XX/XX/year>, and once I had exhausted all my checking/savings accounts, I applied for hardship assistance. I submitted a hardship application on XX/XX/year>. My lender requested that I submit a hardship application on three separate occasions after my application was successfully submitted with all documents. I have eight requests from my lender to submit a hardship application after one was submitted. This delayed the application process by more than 30 days, and my lender did not process my hardship application until XX/XX/year>. I am currently in the process of appeals on my hardship application. My lender is denying forbearance and loan modification due to my issue being resolved, and there are no unemployment issues. This is not true. I am still unemployed and have submitted the documentation five times to prove otherwise. When I contacted my lender to request to speak with management or the underwriter in charge of loss mitigation for my case, I was told that was impossible. There is a misunderstanding about my situation, and I have no way of relaying this information other than submitting appeals that are not being read correctly. I need to speak with someone who will listen to my situation and give a proper review. This has been the worst customer service I have ever experienced by a financial institution. There is no company communication between departments. I still have agents calling me to inquire whether I have submitted a hardship assistance application, and we're currently in the process of appeals.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  companies has violated my rights. 

15 USC 1681 section 602 states i have rights to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Debt collection

I sent a certified letter to Nissan Motor Acceptance on XX/XX/20. The letter was a Request for Debt Verification and Cease and Desist. They received the letter XX/XX/20. We did not receive a response from them at all. We reported it XXXX  and other bureas. XXXX  will not remove/delete the debt from our credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Reported fraud after card declined. Received & activated card XX/XX/year>. Made XXXX purchase ( @ {$55.00} ) from XXXX XXXX on XX/XX/year>. Tried to log into XXXX XXXX XXXX bill ( XX/XX/year> ) and account " frozen call secure line ''. Spent XXXX hrs trying to resolve with credit security. Told I needed to supply copy driver license, social security etc to verify identity. I refused and tried to close the account. Was told I couldn't. Asked them to send a paper bill to I could pay off balance. They said they couldn't because I was signed up to do e-payments and I had to go through portal ( which I can't access ). Pls HELP!
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Mortgage

I am the original creditor, in fact natural person and I extended my credit to Wells Fargo, I have been violated and discriminated against, I have been embarrassed and because of Wells Fargo i suffer from sever mental anguish
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to formally address concerns regarding my consumer credit report. My name is XXXX XXXX XXXX, and after recently obtaining a copy of my credit report, I discovered discrepancies that warrant your immediate attention.

It has come to my notice that my credit report contains inaccuracies, specifically in relation to late payments associated with finance charges. As per the United States Code, Title 15, Section 1605, the computation of a finance charge for any consumer credit transaction should encompass all charges imposed directly or indirectly by the creditor. Notably, fees and amounts imposed by third-party closing agents are excluded from the definition of a finance charge unless required or retained by the creditor.

Upon thorough review, it is evident that late payments have been erroneously reported despite the presence of a finance charge. I draw your attention to the relevant sections of the United States Code, particularly 15 U.S. Code 1605 ( a ), which clearly delineates the criteria for the inclusion and exclusion of charges in the finance charge calculation.

I hereby request the expeditious removal of all late payments associated with a finance charge from my consumer report in accordance with 15 U.S. Code 1605 ( a ). As a consumer, I am entitled to accurate and equitable reporting of my credit history, and any infringement upon this right will be addressed seriously.

I want to emphasize that, pursuant to the law, these accounts must be promptly updated to reflect " paid as agreed. '' Failure to rectify this matter immediately may compel me to pursue monetary damages for the violation of my rights under 15 U.S. Code 1605 ( a ). I am prepared to initiate legal action in small claims court in my city and state under 15 U.S. Code 1681n civil liability.

Furthermore, I have already lodged a complaint through various channels, including the Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. I anticipate a thorough investigation into this matter.

For your reference, the specific details in dispute on my credit report are as follows : XXXX XXXX XXXX Account Number - XXXX I kindly request your prompt attention to this matter and anticipate a swift resolution. Please furnish written confirmation of the corrections made to my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX XXXX due too not knowing about the account being opened. Experian denied to follow up with the investigation. I recently was notified that the CFPB has filed a lawsuit against Experian. They alleged the company of accepting unreliable information and failure to notify consumer dispute results. This aligns with my situation, Experian has not attempted to remove or correct any information. Im requesting this derogatory mark be removed or corrected immediately as for its negatively impact my chances of purchasing a house. Experian violates my rights as a consumer as well as Federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Debt collection

The guy that keeps calling repeatedly & leaving threatening messages on my voicemail, he says his name is XXXX XXXX. He said he was from MAC about a debt & that legal action would be taken against me. It will be put down as a refusal to pay & being evasive. I don't have any debt & I don't know who he is. He constantly calls from different numbers & leaves different call back numbers as well. Some of the call back numbers left on my voicemail are XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX. He also called from XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given XXXX  XXXX XXXX permission to access my credit profile and they did not have no permissible purpose by law to contact third parties with my private or personal information. 
15 USC 1681b Permissible purpose of consumer reports 1. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
This company violated my rights they closed the business filed bankruptcy and reported inaccurate information. 
I am demanding this account be removed immediately
Product: Debt collection

I checked my credit and saw another account from Receivables Performance Management for XXXX XXXX. I actually paid this debt last year and this should not be reporting.
Product: Mortgage

Ive been trying to retain foreclosure assistance for quite some time, first with my lender ( s ) then with HUD, and so on ... no one has ever helped or offered help. 
I have an FHA Loan in a rural area of California, I am 3 years XXXX and still unemployed as a result and due to COVID I am going on 2.5 years trying to obtain XXXX  Benefits .... 

Prior to COVID my lender denied modifications for every ridiculous reason or just ignored my request completely I file Bk in XXXX to halt the sale and now with COVID the care act has helped a bit as well, however Im again in the same position of filling out the mitigation packet, calling & emailing the bank, never getting a response They ARE NOT HELPING ME! 
HUD, always tells me to call someone else when I speak to them. 
I always go round & round until I give up so frustrated & XXXX & confused. 
Ive also asked about who Id contact to try to be eligible for all the different NOFA grants & programs and Im always told they dont have any programs for people like me ... .what does that even mean? 

Im very confused, I virtually have no immediate income, I cant afford a lawyer, Ive been scammed twice, and Im positive the lender has violated my homeowners bill of rights, lied, overstated/overcharged my account, and made changes to my loan without authorization. 

In fact, XXXX XXXX sold my loan to M & T Bank while I was in a loss mitigation, M & T never filed correct county documents stating they were my lender, my owed about is $ XXXX more than my original loan and Ive never borrowed money, they tried to charge me more than XXXX XXXX for my monthly mortgage, when I use the search tool online at HUD to search my lender it says XXXX XXXX however M & T Bank are trying to foreclose on me ... .Ive had the money to pay up the home out of black but their is so much hinky stuff taking place that I dont want to plus the county came and inspected my home and property dropping the value $ XXXX last year and this year as soon as they receive a soil report from finding sink holes in my hard plan to drop my value another {$50000.00} down to a value of {$150000.00} and the bank wants {$270000.00} for the loan I got in 2017 for only {$240000.00} .... 

Please someone help me! 

Thank you, XXXX XXXX
Product: Debt collection

I received a letter ( uploaded ) from the company Calvary Portfolio Management. Spoke with representative and explained this debt was paid thru a debt consolidation plan I paid in 2019. The representative stated it bought the account from XXXX XXXX  and they are trying yo collect. I also asked for documents and no one had sent any. I sent an email ( see attached ) and in the initial letter sent it states if you reach out to them to dispute ALL collections has to stop. They reported the account as being in collections on my credit report 7 days later. Now my score has gone down 60yrs due to this collection reflecting on my credit report. How can a company buy a debt from 4yrs ago thats been paid but shows the same amount of debt and try to collect it again? My credit is stellar and this is ruining it. 

I need this company to remove this negative collection mark off my credit report.
Product: Credit reporting or other personal consumer reports

This complaint is in regarding to trying to get my free annual report from Transunion. I started in XX/XX/XXXXXXXX   trying to access my report via the free annual report website, and also via a third party monitoring service and was told they were unable to retrieve the report. In XX/XX/XXXX I begin to try to access my report directly via Transunion 's website and kept getting an error message saying my request could not be completed. I asked for a hard copy of my report via mail around XX/XX/XXXX. I called on XX/XX/XXXX because I had not received my copy by mail and was told that there is no credit file on record for me. After being hung on at least 3 times, I was then told that there was an error on my file and there were " multiple '' files on record for me and they needed to be combined. So how do I know the information is correction. 

My call was escalated to a manager by the name of XXXX ( File # XXXX ). She supposedly was submitting a maintenance request to merge all of my files in order to give me on-line access to my report. This is unacceptable to me because I have attempted to apply for various things that require accessing my credit report and have been denied. How do I know my denials were not in reference to incorrect information an/or an outdated credit report. I am not sure if what XXXX does or doesn't do will resolve my issue, but as a consumer I have been denied access to my report for over 60 days. At the end of our conversation she said it would still take XXXX business days for my problem to be corrected. So I am still having to wait another week to see what is on my report, which I am sure is VERY inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$21000.00}, {$25000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$25000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX XXXX is reporting an Account on my Consumer Report without my Consent. XXXX XXXX Equifax and the Reporting company known as XXXX XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised that ALL the Inquiries reported was Fraud said company have 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed Authorized by the Consumer, EQUIFAX has 15 days to provide me with the name ( s ) of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an XXXX Report. If EQUIFAX does not have documentation to show these were in fact authorized it must be removed ASAP. SAID company is Liable under SEC to follow certain rules.
Product: Credit reporting or other personal consumer reports

THE COMPANY CHARGED OFF THIS ACCOUNT AND FILED ON THEIR TAX RETURN. 15 USC 1681(e)B . I REQUESTED A 1099C AND HAVE NOT RECEIVED IT. ACCORDING TO THE IRS, THIS DEBT IS CONSIDERED CANCELED. THIS ACCOUNT SHOULD NO LONGER BE REPORTED WITH A BALANCE REQUESTING PAYMENT FROM ME.

Account name  XXXX XXXX
Account number   XXXX
Account type   Note Loan
Responsibility  Individual
Date opened   XX/XX/XXXX
Status   Closed. XXXX written off.
Status updated  XX/XX/XXXX