23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My house is encumbered by a mortgage loan that is serviced by Bayview Loan Servicing. They have been giving me conflicting information and the runaround for over one year and now have set a foreclosure sale date for my home on XXXX XXXX. They have failed to review my recent financial information which indicates a change in income as well as the tax documents that they had requested I provide. I feel that they are in violation of the California Homeowner Bill of Rights and should not be moving forward to foreclose on me without giving me the chance to be reviewed for government and internal programs. 

This is an adjustable rate loan that I took out with other members of my family to purchase this home in XXXX. I am an XXXX XXXX veteran and currently out on a medical XXXX and live here with my wife and XXXX teenagers. I ran into problems because of this bad adjustable rate loan that started going up ( could go as high as 8.87 % ) and was pleased to get a loan modification in XXXX, which lowered my payment a little over {$200.00} a month. We made those payments as agreed for over two years but then ran into problems in XXXX. My daughter, who had been helping with the monthly payments lost her job. In that same time frame I had a death in the family and had to go back to the XXXX and help out with the funeral expenses. And to make matters worse, the person I hired to be the property manager for my rental home was assigning repair jobs to vendors who were not approved with my insurance company -- -which meant I had to come out of pocket to pay them. I ended up going to court over this, but lost. Due to all of these issues we fell out of our approved modification in XXXX XXXX. 

We immediately began reaching out for help at that time, and have literally been going around in circles for 18 months and now find ourselves on the verge of losing our home. We have all of the requested documentation ( past income taxes etc. ) and I also have my military pension and VA Benefits. My wife is now earning more money and I am being approved for medical leave XXXX pay. With these new and increased sources of income, we are in a position that we can afford a fair mortgage payment and this situation could be resolved. Bayview, as a recipient of bailout funds in the state of California, is required to review our current financial circumstances prior to a foreclosure auction sale. This has not happened, and I feel that our dedicated contact XXXX XXXX from Bayview is purposely denying us options. She asks for numerous documents and engages in communication, then tells us we ca n't get any help. Shortly after that we get numerous letters telling us that we qualify for help and to call in and send in our documents for review. It is confusing and wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my credit report is displaying unverifiable and inaccurate information I am going through severe anxiety trying to get the issue resolved as I wait for a response. I am sure with your help and the integrity of XXXX, Experian, and XXXX we can get this handled quickly. But I mailed letter to them a month ago and I haven't received a response and they haven't yet complied with my request. I'm not even sure if they opened an investigation. Please help. Thank you.
Product: Payday loan, title loan, or personal loan

XXXX - TD Bank - XX/XX/XXXX - present. I am having an ongoing problem with this companies online payment system. I submit a payment online successfully, only to find out later that they rejected my payment, I was never notified on this change. ( I have adequate funds to make this payment ), and they charge me an extra {$34.00} ( check assessment charge ). I have tried to call them ( their is no person to talk to via their customer service line. I have tried to email them and haven't received any response back or phone call., This has been the worst online payment experience I have ever had and regret signing up with XXXX to to purchase their products. I a senior citizen and a XXXX XXXX XXXX. I am very concerned that this ongoing issue is affecting my person. credit. Request immediate resolution to this problem. I have worked hard to be a good customer and make my payments and have received terrible customer service from this company. ( TD Bank handles the product financing and billing for XXXX )
Product: Credit reporting or other personal consumer reports

XXXX Experian and XXXX haven't sent me information on how they determine their investigation. When I spoke with experian stated they get their info from XXXXXXXX XXXX XXXX  and I've provided info that I got from them
Product: Debt collection

I called and canceled service from XXXX XXXX back XXXX XX/XX/2022. I called the company they came and picked up the box, I told them I switched over to XXXX, a better product, a better offer, and my internet would freeze and stop working, they refused to come out and check the lines. Once I switched over I never used the spectrum services and they still charged me, when I called back they said they would recalculate my bill and send it. they never sent a bill so I assume it was credited and taken care of. I was never contacted by this company Sunrise Credit Services they just posted this to my credit reporting agencies. I was never late with my XXXX bill so because I switched providers I feel they retaliated and just ignored my rights to cancel my service and go to another company. this collection needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Huntington National Bank. They have amounts and other information not authorized by me to be advertised on my credit report.
Product: Vehicle loan or lease

THIS IS NOT MY ACCOUNT. AND I BELIEVE I WAS A VICTIM OF FRAUD AND IDENTITY THEFT. 

I TRIED RESOLVING THIS ISSUE SO MANY TIMES WITH THE COMPANY BUT IT GOT ME NO WHERE. 

THEY SENT ME VALID INFORMATION PROVING THAT IS ME, BUT TO MY BEST KNOWLEDGE AND CONSENT, I HAVE NEVER PROVIDED ANY OF THE INFORMATION THEY SENT ...
Product: Credit card

I have been receiving credit card offers for the past couple of years through Citibank. Every time that I apply for a credit card, my application gets rejected. It is very frustrating to receive credit card offers every month and after applying at least three times, I continue to have my application rejected. I have sufficient funds in the bank and I have great credit. I work a full-time job as well. Thus, I believe that those are good enough reasons as to why I should qualify for a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION : DUE TO IDENTITY THEFT THESE INQUIRIES DONT BELONG TO ME. PLEASE REMOVE. 
1. XXXX XXXX XXXX XXXX-XX/XX/XXXX 2. XXXX XXXX XXXX XXXX- XX/XX/XXXX 3. XXXX XXXX-XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX- XX/XX/XXXX 6. XXXX XXXX XXXX XXXX-XX/XX/XXXX 7. XXXX XXXX XXXX-XX/XX/XXXX
Product: Debt collection

The debt they are attempting to collect is over 10yaers old and the account has been closed. They call me at XXXX every night. When I answer, someone asks what my name is and when I ask who they are they say " please hold '' and then they transfer me to midland management. Whom I 've told several times that the account has been closed, I 'm not paying it, and stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX US DEPT ED XXXX Account # XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX, & Account # 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
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Reinvestigation and Removal of Charge-Off Accounts- XXXX XXXX  ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXXXXXX ) To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account name/number ( *please reference the above list ). I have received a 1099-C form for this account indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both incorrect and misleading. 

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 

Please provide me with written confirmation that this item has been corrected and removed. If you can not verify the accuracy of this information, it must be deleted from my credit report as required by law. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORTS. 
THESE SAID AGENCIES HAVE NOT CORRECTED THE FRAUDULENT ACCOUNTS.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute discrepancies I have found between my credit reports from TransUnion and XXXX. I have reviewed both reports and noticed that certain information is inconsistent, which I believe requires correction. Please note that this account is deleted from XXXX Discrepancy Information : Discrepancy in Charge-Off Reporting TransUnion Report : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion shows a charge-off date of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inconsistency affects my credit score and the accuracy of my credit profile. 
Discrepancy in Account Last verified TransUnion Report : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ on TransUnionXXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discrepancy in Account Date of last activity TransUnion Report : Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Date of last activity : [ on TransUnionXXXX ] XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of last activity : [ on XXXX XX/XX/year> XXXX Discrepancy in Account Date of opened TransUnion Report : Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Date of opened : [ on TransUnionXXXX ] XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of opened : [ XXXX XXXX XX/XX/year> ] XXXX. Discrepancy in Account Date of closed TransUnion Report : Account Name : XXXXXXXX XXXX XXXX XXXX  Date of closed : [ on TransUnionXXXX ] XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : The account status reported by TransUnion does not match the status reported by XXXX . For instance, TransUnion shows this account as the last activity with a different date, whereas XXXX lists it as XX/XX/year>. This inconsistency could mislead potential creditors about my creditworthiness. This is a charge-off account however, the creditor is reporting it as charge- off every month which is not accurate according to FCRA law 15 U.S. Code 1681 ( e ) and 15 U.S. Code 1681 ( i ) Request for Resolution : Correct the Discrepancies : I request that you investigate these discrepancies and update my credit report to reflect accurate and consistent information. Please align the data between TransUnion and XXXX to ensure accuracy. 
Provide Written Confirmation : I request written confirmation once the necessary corrections have been made or if additional information is required. 
Enclosures : Copies of my credit reports from TransUnion and XXXX with discrepancies highlighted.
Product: Debt collection

AFNI, Inc sent a letter stating I owed them {$280.00}. I sent an initial letter in XX/XX/XXXX asking for validation with my signature ; they never replied. On XX/XX/XXXX AFNI illegally placed a collection on my credit report. I sent a letter XX/XX/XXXX and requested they remove it immediately as I have never had any business or relationships with this company.
Product: Checking or savings account

At the time cash app had no live people it was always a chat and when I did get a number nobody answered
Product: Payday loan, title loan, personal loan, or advance loan

I took out a {$400.00} loan from this company mid XXXX. I went online and paid off early XX/XX/24 and noticed I was charged {$130.00} when the payoff amount was {$380.00} ( XXXX on XX/XX/24. I was charged these XXXX amounts. I called the company several times inquiring about why XXXX payments were taken out of my account. They lied and said I called in on the XXXX off XXXX to pay off and then gave another excuse that they could not refund me because the payment had gone through ( they took out ). I had this loan for about XXXX  days and I should have been charged the {$400.00} plus any interest it accrued. I calculate they overcharged me by {$90.00} by having me to make payoff amount and XXXX  month 's payment.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and I found hard inquiries that do not belong to me
Product: Credit card or prepaid card

I have had a XXXX XXXX now Chase Freedom card in excess of 5 years. When they discontinued their affiliation with the XXXX  XXXX, rates stayed fair low. However in the last year the rates have gone up on my card and where from .25 to .50 %. In XX/XX/XXXX, they sent out a letter indicating my rate would go up to 16.99 % in XX/XX/XXXX/XX/XX/2019. They gave me no valid reason but matching the current prime rate. A 5 % increase is not a valid increase or fair increase. 
If I don't agree, my card gets closed due to know fault of mine but NOT liking the new rate
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account that need to be investigated and corrected for erroneous reporting in my file islisted on my credit report :
Product: Debt collection

This morning ( XX/XX/XXXX ) at XXXX ( conveniently 30 minutes past the time debt collectors are allowed to call ). I did not answer the call as I thought it is probably just a spam call which I receive often. The number was ( XXXX ) XXXX After getting this call I was informed both of my grandparents ( only family members that live in the same state as me ) had both received a call from them on their mobile phone numbers. I was told they were asking about a car I used to own and she gave me their number. 

I called the number to be greeted by a woman named XXXX. XXXX claimed to be calling from " XXXX '' or " XXXX ''. It seems they used a name that is conveniently often misspelled. She told me that she was calling to locate the car I previously owned. I sold this car last XXXX. She told me the car is registered under my name, which is false. I sold the car over a year ago and the new owner got the car registered under his name and a bill of sale was filed. I bought this car cash without getting any loans through any banks so not sure why they'd call me. 

The call was all very confusing, she wouldn't tell me any details about why she was trying to locate the car or who hired her to locate the car. She told me to tell the person I sold the car to contact her. I reached out to the person I sold the car and he told me he had sold it again a few months ago. 

After looking up the number it came back to a website called " Roquemore | XXXXXXXX XXXX XXXX XXXX  ''. Who specializes in debt collection and skip tracing. They also had multiple complaints from people for harassment and shady business practices. Sources say the XXXX  has closed 13 complaints around Roquemore XXXX has listed 3 cases of civil litigation involving them as well as of XXXX. 

So I am very concerned as to how this lady was able to track down my close familys contact methods and contact them regarding me about a car I used to own. I did not even own the car for a full year.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name XXXX XXXX : account number XXXX
Product: Credit card or prepaid card

I have a Capital One card that is reporting to my credit as an " Authorized Account ''.

I have no knowledge of this card, i have called the company several times including today and they said they could not help.
Product: Credit card

Please review the chat attached. I have an issue with how Capital One is reporting information on the Cardholder 's end in comparison to their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$3800.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$250.00} ; XXXX  Inquired on XXXX XXXX, 2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

TO WHOM IT XXXX CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. XXXX XXXX XXXX SECTION XXXX STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX UNDER A SECTION XXXX, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. XXXX XXXX XXXX,. A CREDITOR XXXX NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. 

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. 

THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX REPORTED : XX/XX/XXXX XXXX XXXX XXXX- REPORTED : XX/XX/XXXX XXXX XXXX XXXX, REPORTED : XX/XX/XXXX XXXX XXXX XXXX XXXX  REPORTED : XX/XX/XXXX XXXX XXXX XXXX, REPORTED : XX/XX/XXXX THE FOLLOWING INQUIRY ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX, REPORTED : XX/XX/XXXX XXXX  XXXX XXXX XXXX REPORTED : XX/XX/XXXX XXXX  XXXX XXXX XXXX, REPORTED : XX/XX/XXXX XXXX XXXX, REPORTED : XX/XX/XXXX XXXX XXXX, REPORTED : XX/XX/XXXX XXXX XXXX, REPORTED : XX/XX/XXXX XXXX XXXX, REPORTED : XXXX, XXXX XXXX XXXX REPORTED : XX/XX/XXXX XXXX XXXX XXXX, REPORTED : XX/XX/XXXX XXXX REPORTED : XX/XX/XXXX THE FOLLOWING NON-MAILABLE ADDRESSE ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX THE FOLLOWING IDENTIFIER ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOLLOWING EMPLOYER ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805. 

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN PRODUCING COMPLAINTS FILED AND POSSIBLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.