23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My Home loan was originally serviced by XXXX XXXX XXXX in XXXX. My original loan was XXXX. XXXX packaged the loan with a HELOC for XXXX and all payments were through them directly. In XXXX I refinanced my property with XXXX and was told there were no additional obligations. Later in XXXX, I began to receive calls from SLS for payment and threating against my property. I have attempted to settle this matter directly by phone and agreed to send them a check in the amount of XXXX. I was told by one of there representatives that loan was to pay against a check that was sent to me for home equity. I have never requested or received any money. In addition, I found out the part of my land was no longer mine. I have attempted a lawyer but this company is still contacting me and has even attempted a foreclosure. 
1.Specialized Loan Servicing is attempting to collect on a loan without showing proof of ownership for the loan. 
2. SLS is responsible for selling a loan whereas the description of the property does not match the loan documents. 
3. XXXX failed to pay my property taxes from escrow. SLS now represents this company and has caused me to lose part of my property in a tax sale due to failure to pay property taxes on property they financed me. 
4.SLS has costed me XXXX in loss of property and income. 
5. SLS did not send out regular payment schedule and waited years later to quote me different balance amounts inconsistently.

6. SLS did not send me statement for years and now are attempting to collect which has exceeded the Statue of Limitations. The original loan is XX/XX/XXXX. 
7. SLS has attempted to foreclose on the remaining property described in my loan that is being serviced by XXXX XXXX loan XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) am filing this report to urgently address and demand the removal of several inaccuracies on my credit report. These inaccuracies are unjustly affecting my creditworthiness and must be corrected immediately. The accounts in question are : Inaccurate Accounts : XXXX XXXX XXXX XXXX  : Account # XXXX XXXX. XXXX XXXX XXXXXXXX : Account # XXXX XXXX. XXXX XXXX XXXX : Account # XXXX XXXX. XXXX XXXX XXXX  : Account # XXXX XXXX. XXXX XXXX XXXX XXXX : Account # XXXX Applicable Fair Credit Reporting Act ( FCRA ) Laws : 1. Section 605 - Requirements Relating to Information Contained in Consumer Reports ( 15 U.S. Code 1681c ) Obsolete Information : The FCRA mandates that consumer reporting agencies exclude outdated negative information, ensuring that only accurate and current data is reflected.

2. Section 611 - Procedure in Case of Disputed Accuracy ( 15 U.S. Code 1681i ) Reinvestigation of Disputed Information : The FCRA requires credit reporting agencies to investigate any disputed information within 30 days. Inaccurate, incomplete, or unverifiable information must be corrected or deleted promptly.

Notification to Furnishers of Information : The credit reporting agency must notify the furnisher of the disputed information within five business days.

Provision of Results : Upon completion of the investigation, the agency must provide a detailed response, including the results of the investigation and an updated copy of the credit report if changes occur.

3. Section 623 - Responsibilities of Furnishers of Information ( 15 U.S. Code 1681s2 ) Duty to Provide Accurate Information : Furnishers must provide accurate data and correct any erroneous information they discover.

Duty to Investigate Disputes : Furnishers are obligated to investigate disputes received from credit reporting agencies, reviewing all pertinent information and reporting back to the agency.
Product: Credit reporting or other personal consumer reports

I'd discovered an old account that was recently deleted from my consumer report. This account has been deleted & reinserted on my consumer report without notice. Equifax has violated section 1681i ( B ) ( ii ) Treatment of inaccurate unverifiable information.

( 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.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

Accounts : XXXX XXXX Act. # XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax 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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX   XXXX ;
Product: Mortgage

Property tax is not being paid out of escrow account. More then enough funds are available in the account. 
several phone calls have been made as well as 6 or 7 emails sent to customer service with no response.
Product: Credit card or prepaid card

In XX/XX/XXXX, I paid off my Wells Fargo credit card, as it was in collection status. Due to financial struggles, I never had the chance to pay it off for almost four years prior to this. After paying it off, Wells Fargo informed me by letter that it will be reported to all three credit bureaus as closed & that it can be removed, along with the late payments from XX/XX/XXXX-XX/XX/XXXX. However, that status has never changed and the account is being reported as a " charge-off ''. I've disputed this account with the three credit bureaus, only for the dispute to be denied.
Product: Consumer Loan

Without my knowledge or consent, Ally Financial forced me into electronic billing and requires me to log in to their website in order to see my statements. No notice or statement was sent out for my payment due XX/XX/2016. Based on prior experience, the due date shifts around. Today is the first day in over 60 days I 've received any communication from Ally which was by email, saying I need to log in to see my next statement due in XX/XX/XXXX which will have a late fee. 

When asked for licensing information I was told they do not provide that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion was notified that there were duplicate and unauthorized inquiries on my credit report over 2 months ago and have not done any investigating or correction of error. 

XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were all unauthorized XXXXXXXX XXXX- are duplicate inquiries both dated XX/XX/2020 XXXX XXXXXXXX are also duplicate inquires As a result, I was recently denied credit due to the number of inquiries on my credit report. 

Transunion has received several documents regarding this issue and yet no resolve
Product: Debt collection

I do not owe this debt to XXXX or R.A.Rogers I recently put in a complaint of Identity Theft against R.A.Rogers.I am now asking for a second time with XXXX provide me with a contract between myself ( Natural Human and original Creator ) and XXXX  ( corporation ). Notice A contract is All parties must agree about an offer made by one party and accepted by the other. Something of value must be exchanged for something else of value. XXXX did not produce anything of value, my social and signature did and so did the dealer. My contract was with dealership and they also committed identity Theft. I never signed a form saying reach out to XXXX and give XXXX my personal information. Pursuant 15USC 1681c ( 2 ) 15 USC 1681q ( 3 ) and permissible purpose is not being used and fraud and identity theft has been proven. attachments below. A charge off for over {$11000.00} is being reported and over {$14000.00} is being reported by the NCRAs this is all inaccurate information and identity theft and fraud is being committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/ XXXX violated my 609 rights by reporting information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX  XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX/ XXXX, XXXX XXXX XXXX , XXXX XXXX  XXXX, XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX- XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX  XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXX  Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : OPEN Status Updated : XXXX XXXX Balance : XXXX Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$11000.00} Highest Balance : {$800.00} Late Payment Date : XXXX ) XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN... XXXX AND XXXX XXXX .ALL HAVE DIFF DATES ON THEIR SITES ... OBVIOUS MISTAKES AND THEY WILL NOT HELP OVER THE PHONE AND WHEN YOU DISPUTE AN ITEM ... ITS NOT CORRECTED OR INVESTIGATED AND YOU TRY AND DISPUTE IT AGAIN BECAUSE ITS WRONG... .THEIR COMPUTERS KICK YOU OUT AND DONT LET YOU DISPUTE ERROR THAT HAS NOT BEEN FIXED... .AGAIN AND AGAIN AND AGAIN. ON THE PHONE THEY WONT REMOVE OBVIOUS ERRORS AND THE DISPUTES ARE NOT RESOLVED PROPERLY OR THEY ARE LEFT IN THE HANDS OF THE CREDITORS ... XXXXALL 3 HAVE HUNG UP ON ME WHEN I QUOTE THE FCRA AND THEIR RESPONSIBILITIES ... .CFPB IS NO HELP AT ALL ... .WHY DO YOU ALLOW THEM TO TOY WITH PEOPLES LIVELIHOOD ... .AND GET AWAY WITH IT ... ..HOW IS IT CFPB IS A BANDAID ... .ON A CUT THAT NEEDS STITCHES ... .CREDIT BUREAUS ARE GETTING AWAY WIRH MURDER AND YOU TELL THE AVERAGE WORKING PERSON TO GO TO COURT ... .WHY AM I GOING TO COURT TO PROVE THEY ARE WRONG ... .I HAVE XXXX CASES ON MY REPORT WHERE IVE MADE NO PAYMENT ... .CREDITOR CANT PROVE IT ... .BUT THEY KEEP IT THERE AS IS ... A BLATANT LIE ... AND THERE IS NO REAL RECOURSE OR PENALTY TO OR FOR THEM SO THEY KEEP DOING THE SAME THING THEN A COMPUTER GIVES U A CODE AND REJECTS DISPUTES THAT HAVE NOT BEEN RESOLVED MOBTHS XXXX MONTHS GO BY AND NOTHING... .WHAT GOOD IS THIS SYSTEM THAT ONLY BENEFITS THE COMPANY GETTING PAID TO HELP CROOKED BUSINESSES WHO DONT CARE ABOUT PUBLISHING WRONG INFO AND DOING SO KNOWINGLY ... XXXX HAVE XXXX ACCTS THAT HAD CLOAED DATES ... REPORTED BY CREDITOR THEN WHEN I DISPUTE IT ... .CREDITOR SUBMITS " NEW VALIDATED CLOSED DATES '' HMMMM
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  Date of inquiry : XX/XX/year> XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX  Date of inquiry : XX/XX/year> etc
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XX/XX/year> It is a fraudulent inquiry
Product: Debt collection

XX/XX/2017 numer account # XXXX This account was his balance of {$2400.00} that transaction was fraudulent ... I made a police report ; I sent the report to the discover card, I have disputed this balance with the end that we reach an agreement which I have been appealing for now, this refusal is still debt in my credit report. I did all the necessary process but it turns out that there will be an investment and then they tell me that I am obliged to pay this amount of debt ... please I need you to make an investment since I can not pay a balance of XXXX dollars that was consumed through fraud ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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/XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent My XXXX report 3 times to transunion but when I call they claim they never received it.
Product: Checking or savings account

I had a freeze on my accounts becauseni was unable to lock my debit cards. Well I went in to open an account to get access to my funds but the branch manager never got me access to my money and all the calls I make with an employee calling the fraud department for me I get scammed left and right. So XXXX picks of the banknkf america in XXXX XXXX California have been very discrimination force closing KY account because I got frustrated when. I asked them about the missing money. So the branch manager is the fraud department and so are the workers at that same location because they pick up all the calls I make weather to banmmof america or the XXXX XXXX XXXX. This is not the first time a ban k has stolen from me but it's the first time they stole my social security money. Either way is it was money I worked for or a financial aid check I've studied and worked very hard for whats mine. And so the branch manager. I'm not sure her name XXXX. XXXX or XXXX the branch manager said to bring the police next time I want them to help me. So phone agent set me up an appointment at the XXXX  location and XXXX branch manager there was playing games. Saying she asked for my ID when she was asking for a bank card. So she decided she wasn't going to help me and called XXXX  police on me. Please I'm traumatized I don't want to step into another financial center because of tye way they treat me. So please please I need a real person to help me not just say b they are an executive and deny business for thee company. I am a XXXX  and I feel I've been treated very bad.
Product: Credit reporting or other personal consumer reports

Capital one make a hard inquiry in my credit score in recently in XXXX whiout my concern. I Don't open any new account or any credit card. I don't know why I have a hard inquiry in my credit score from them.
Product: Mortgage

Our home was heavily damaged by Hurricane Michael XX/XX/XXXX. After lengthy battles with the insurance companies, we have finally received the funds needed to repair the home. However, we are required to send our check to Amerihome for disbursement. This is the second time we have had to do this, and once again it has become a circus of incompetence, inaccuracies, and misinformation regarding the process to receive OUR money. The check was sent to Amerihome XX/XX/XXXX. It is now XX/XX/XXXX and we still don't have all the money released to us for repairs. 
1 ) We are required to call about every three days for instructions or updates. Every call results in a different answer, different process, different requirements. How is everyone not on the same page. This is a tremendous waste of our time. 
2 ) We have submitted lien wavers, contracts, and receipts. we have been told they're incorrect, not needed, or we need a different form??? Which is it? 
3 ) As stated, we went through his with the first round of checks. Now the process is different per Amerihome, even though it is the exact set of circumstances as before.

4 ) They advise to log in to account to check status of checks. However we were told that's not possible, we have to call every time we want info. And every call results in a different answer.

5 ) We have been told disbursements would be made in X, Y, and Z amounts. This amount changes every time. We were told submit receipts and get reimbursed. Submit contract and they would send money to the contractor. Finally today they said only about 1/3 of the money would be sent, and after work is 100 % done, final payment would be made. How are we supposed to fix house to 100 % without 100 % of the money?

Again, after over a month of back and forth with no consistency in the process, we are still waiting for our money to fix the house. And it's even scarier to know this same company manages our mortgage. We just want our money now and we want our house repaired without having to deal with such XXXX. It's been almost 2 years since the storm and I don't need Amerihome dragging this out any longer.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capitol One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capitol One has cited technical issues, which may violate the Electric Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request tour assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with THE FAIR CREDIT REPORTING ACT ( FCRA ) This creditor XXXX XXXX XXXX account # ( CLAGUK ) has violated my rights under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have the right to privacy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  also States that a consumer reporting Agengy can not furnish an account without my written instructions under XXXX XXXX XXXX XXXX a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.