23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hi, I have a very urgent matter due to a foreclosure sale on XX/XX/2018. I applied for a loan modification to Bayview Loan Servicing numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing to ask about any status or updates for the loan modification and a status on the loan modification I get nowhere. I call in, the phone system asks for my social security number or my loan number, I put in the loan number and or social it rings couple of times and then I get nowhere. Seems like when I put in my information the phone system recognizes my information and does not connect me to anyone. This has happened multiple times on multiple days and each one does this until I clicked the number 0 for a very long and tedious process I finally got someone. After speaking to the employee she did not give me any information regarding my loan and said that only one person could talk to me but I can never get a hold of that person. Also asked for a supervisor and was on hold for over 40 min and never got one. Bayview is playing dirty games for me to not resolve my issue and get an update on my loan modification.

Im being thrown around the phone system and no one can speak with me. Is this a game they play to hold off so long until its too late to speak to someone and then they sell my home? I have done everything needed to do and i have sent them all documents. If Im not mistaken Bayview Loan Servicing is in violation of my Homeowner Bill of Rights. Seems like they do not want to help me but to just sell my home.
Product: Student loan

I am seeking loan forgiveness. Im over XXXX XXXX XXXX and have been paying on this student loan since XXXX. I am immune compromised and have had to go out on forbearance during times when my XXXX is active leaving me unable to work. In XXXX and XXXX I wasnt able to work during Covid shutdowns and I placed my loan on Covid forbearance. 

During forbearance in XXXX I was charged over {$900.00} in interest and am not getting any closer to paying off my loan. My body is breaking down. I need to have a XXXX and have this old debt still hanging over my head. Im old enough to start taking social security now but cant do it because of the student loan.
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 accounts 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 accounts 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 is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$35.00} XXXX  XXXX Balance : {$330.00} XXXX  XXXX Balance : {$47.00} XXXX  XXXX Balance : {$70.00} XXXX XXXX Balance : {$70.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$300.00} 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: Checking or savings account

Received text " Thanks For Shopping : id- # XXXX for XXXX XXXX XXXX XXXX of {$540.00} Charged-from Your a/c.If not done by you, Reach us XXXX '' I did NOT order this. I clicked on the phone link and customer service for XXXX claiming to be Amazon, came on the line. Promised me the problem could be fixed. I went to XXXX XXXX, downloaded an app. as instructed. Agent took remote control of my phone. 
Accessed my XXXX XXXX XXXX XXXX credit card and made 2 XXXX XXXX gift card purchases for {$100.00} each. Also overnight, my XXXXXXXX XXXX checking account was emptied by 3 XXXX cash transactions to - XXXX XXXX {$190.00}, XXXX XXXX {$170.00} and XXXX XXXX {$150.00}. I contacted XXXX XXXX and stopped one of the two {$100.00} transactions. Too late to stop the 2nd one. On instructions, I drove to nearest store and tried to purchase gift cards. Was denied because of NSF on credit card. Store owner warned me of possible scam. I did not purchase any gift cards. Was instructed to not check accounts online overnight. Received call next morning from " XXXX '' who assured me I would be reimbursed. That number not longer exists. Am changing all accounts with bank and credit union.
Product: Student loan

On XX/XX/XXXX, I paid off all of my sallie mae ( " SM '' ) student loans online. The online portal showed that I owed {$0.00} on all of my student loans. 2 months go by, and I had not received any communications from SM indicating that I had any balances outstanding, until my mom got a something in the mail saying that I had past due loan amounts from SM. So after hearing about this, I logged onto my SM account and say that I had small balances due on three loans. I planned to call SM the following week to figure out what was wrong and did ( this was the beginning of XXXX ). They told me that it looks like I still owed money. I told them that I paid off everything and asked what the outstanding balance was. They told me ~ {$210.00}, which I knew was way to high compared to what I saw online initially. I tried to access my SM account online, and was locked out. I asked told the SM employee I was locked out and asked for access. They supposedly gave me access and told me it could take a few hours or even days to get into my account. So I did not worry about not having access to my account initially and asked them to submit a research case for my issue. Then, the calls started. I have been called multiple times a day by SM for the past 2 months, even with 3 different ongoing " research cases '' occuring ( not simultaneously ). Additionally, in almost all of my calls, I have requested that the SM employee let me know the breakdown between principal, interest, and fees that I owe ( because I dont have access to my account ). In every instance, no one has told me. Even now, after being locked out of my account until today ( XX/XX/XXXX ), I am still unable to see via the website ( that I now have access to ), the breakdown of my loans between principal, fees, and interest. I am a XXXX, I showed be able to pretty easily figure out what is going on with a loan balance. 

In all instances, I have spoken with a SM representative, they have looked at my file and agreed that a research case would probably fix the issue and have encouraged me to file it, however it has not. When I try to get an explanation as to what the research report found, i can never get a clear answer. In summary, my account balances showed {$0.00} after I paid off my student loans. I should be done with SM following that, not having SM calling me every day try to extract every other XXXX I have.
Product: Debt collection

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by Spring Oaks Capital LLC, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt. 

**Lack of Opportunity to Dispute XXXX Despite being approached by Spring Oaks Capital LLC XXXX XXXX an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it. 

**Request for XXXX Mail XXXX XXXX 15 USC 1692g , debt XXXX are obligated to furnish consumers with a written notice within XXXX days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand Spring Oak Capital XXXX, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in XXXX XXXXXXXX XXXX has come to my attention that Spring Oak Capital XXXX XXXX XXXX authorization to pursue debt collections in XXXX XXXX XXXX my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Product: Credit reporting or other personal consumer reports

Sent some Papers that was supposed to be debt validation, but it doesnt have my signature or my name. It has someone elses name on there with their signature. Also its reporting wrong dates from the paper they sent to me. I have disputed this account more than four times nothing happens Saying I owe {$1500.00}
Product: Mortgage

This is related to a refinance of a condo in North Carolina with Mr. Cooper ( Nationstar Mortgage ). 
The purpose of the loan was to refinance and remove XXXX borrowr ( ex wife ) from note and title. 

The Closing was remote taking place with a notary in Maine who came to my house and my ex-wifes house for signature. 

The closing was on XX/XX/XXXX with disbursement on XX/XX/XXXX ( this is an investment property and I signed after XXXX PM ). Settlement Agent was XXXX XXXX XXXX. 

On XX/XX/XXXX i recieved an Email from the title agent that a date was missing from a document and that my loan had not funded. The agent said the lender was requiring this document to be printed and dated ( by me ) and sent back to the lender via email before funding could take place. 

I work in XXXX, and have never heard of funding being held up for a missing date on the Borrowers Emploment Attestation. Couple things on this : 1 ) I was counting on the 1,000 from funding from a finamcial perspective. This caused issues for me as I was counting on that to be in hand.

2 ) The notary hand dated all the documents before we signed. My assumption is that he missed this document. My feedback would be to ( 1 ) make sure to date them all ( to the extend that is permissible ) and also review eaxh document in real time at closing to confirm proper execution.

3 ) I was on vacation wheh this all happened and the day I was home i printed the doc at XXXX  ( had to drive 20 minutes each way ) and sent back. 

The loan was funded on XX/XX/XXXX. The processor was good through this process, but I felt this might be a violation. Holding up funding for a bank/title agent error.
Product: Mortgage

I called my mortage lender to ask for assistance. The first time I called and asked could i have the payment changed to the end of the month i was told 'No '' and the lady began to tell me the reason they choose the XXXX of every month to the point she was talking to me like a child. I have lost some income and reached out to XXXX which advised me to call them and ask if they have any assistance options for me. I called and spoke to XXXX which handles my account when i asked for the retention department. XXXX went off and said they gave me assistance when they gave me the {$74000.00} loan and I had one late payment in XX/XX/XXXX. he then said you have lost of income, i said Yes SSI, he then said you did n't know it was going to end. I said it was income when I applied, so are you telling me you ca n't help me? he then transferred me to his manager XXXX he was then rude and went down the line saying when I made payments and XXXX told him why I was calling and I got my answer. My point is I love my home and all I asked was that they move the payments to the end of the month and was very disrespected and talked to like a DOG. I then hung up on XXXX. I will never in my LIfe do business with 21st Mortaga that will not allow individuals assistance when they are reaching out for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. I want to dispute fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Was contacted XX/XX/XXXX about a debt that was from a Payday loan from XX/XX/XXXX. I have never used a Payday loan, they contacted me and told me it was reported on my credit, checked my credit on XXXX XXXX and it was on there, said I owed {$1300.00}, but they would settle for {$540.00} or if I didn't they would presue this even more I hung up, and started researching this company and cash net   the payday loan company they say I used, it is a scam, and now my credit has dropped and they won't quit calling and harrassing me. My husband and I are building a house and this has really messed my credit up and it is not my debt and I won't it taking off my credit and I want them to stop calling me, please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

there is an XXXX account on my transunion report that was sold to XXXX XXXX   XXXX that was opened XX/XX/2018 that doesn't belong to me. I don't know who's it is i always had XXXX XXXXXXXX.I tried to fix the issue in the store i gotten nowhere. my last resort will be legal actions if its not removed from my report
Product: Checking or savings account

Citizens Bank aka XXXX  bank every month makes me walk back and forth I'm XXXX. They're XXXX. I keep asking them to close my account and send me my money a d they are refusing. I refuse to go there again. I want my social security XXXX money that I live off of and they can not touch. Give it to me now.
Product: Credit card or prepaid card

Several times now supposedly TD bank has specifically either not correctly updated my address or has updated my address to the wrong address for no necessary reason despite explicit instructions otherwise.
Product: Debt collection

XXXX XXXX has 3 accounts in collections for me totaling {$4800.00} that where opened on XX/XX/17 that are not mine. I would like to dispute all 3 accounts. Accounts are with a collection agency by the name of Astra Recovery. I spoke with them and they advise me to file a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX SOC SEC #  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXXXXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX REMOVE THIS NOTICE FROM MY CREDIT REPORT. I DONT HAVE A TRANSPORTATION SERBVICE THESE NAME VARIATIONS DO NOT BELONG TO ME NAME : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX NAME : XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these accounts presented, have 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. 


XXXX XXXX XXXX Account # XXXX .... 
XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX, XXXX Account XXXX XXXX .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX, SC Account # XXXX .... 
XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  Account # XXXX .... 
Account # XXXX .... 
XXXX XXXX  XXXX XXXX, SC XXXX XXXX XXXX Account # XXXX .... 
XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX XXXX Account # XXXX .... 
XXXX XXXX XXXX XXXX, SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I must express my frustration with the Credit Reporting Agencies regarding their inexplicable persistence in reporting fraudulent accounts and inaccurate information on my Credit File without proper verification. It is absolutely expected that these agencies adhere to federal law, which mandates the removal of any accounts resulting from fraudulent activity. Despite my extensive efforts to dispute these items, the Credit Bureaus have regrettably failed to fully comply with my requests. Moreover, my repeated demands for evidence of verification have been constantly ignored by the Credit Bureaus. Under the provisions of the Fair Credit Reporting Act section 605b, I am left with no choice but to submit this CFPB Complaint. I demand, in no uncertain terms, the immediate and complete removal of all fraudulent accounts and associated information from my Credit File without any further delay or excuses. The following items must be deleted at once : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00}. I must also draw attention to the inconsistency in the reporting of certain accounts, some of which have already been removed by other Credit Bureaus. This discrepancy raises serious doubts about the Credit Bureaus ' investigative practices or lack thereof, leading to multiple conflicting results. Such glaring errors and inconsistencies underscore the undeniable negligence on the part of the Credit Bureaus, and I insist that these disputed accounts be expunged entirely from my Credit File.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681a - Definitions ; rules of construction Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Late payment should not have been reported
Product: Mortgage

Company gave written instructions on how to make payments, they were followed. Company continue to provide no information regarding my payment. Have sent confirmation of payment. XXXX XXXX XXXX and money transfer. I have receipts of how I made payments. No communication from them just past due listed on profile.
Product: Debt collection

received a collection bill from XXXX XXXX from American express opened under my name. This account is false and opened without my consent or acknowledgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT, I NOTICED MANY UNAUTHORIZED INQUIRIES ON MY PROFILE THAT I DID NOT AUTHORIZE!! PLEASE INVESTIGATE AND HAVE SAID INQUIRIES REMOVED. PLEASE...... .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 OF ANY AND all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account ... ..... 
I request to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below ... ... .... 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below ...... 
I request that the following inquiries be verified or removed immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX