23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2020 Planet Home lending was assigned servicing of loan from XXXX XXXX XXXX In Breach of contract breached from XXXX XXXX Inc.4 times. Per note Giving of Notice, Any notice that must be given to me under this note will be given by delivering it or by certified mail addressed to me at the address above. Document A as of today this assignment has never been delivered according to terms Breaching contract. Planet Home Lending can not provide a clear assignment from XXXX XXXX XXXXXXXX to Planet Home Lending as requested with out proof of loan no payments could be made and loan balance is incorrect, questioning validity of transfer or fraud. Planet Home Lending did not notify me of acceleration of loan, by terms 2nd Breach of contract. Planet Home lending has sent fraudulent information a copy of 1st mortgage which violates privacy they should not have this document, Fraud document B. I am sure They had looked over all documents, as they sent twice. second letter was to XXXX XXXX violating privacy again this was not error or over site, this is fraud. Planet Home Lending took 13 months to Make any contact with me after their a ledge service and another 7 months stalling resolution beyond my resolution at the cost of {$30000.00} and much XXXX. planet Home lending has been nothing but dishonest and violating good faith as a lender.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report inaccurate information. The below account has not been properly validated or verified. There are several inconsistencies on the account XXXX XXXX XXXX  Account # : XXXX. 

XXXX XXXX XXXX Account Status : Closed Derogatory Derogatory Date Opened : XX/XX/XXXXXXXX  XXXX XXXX Balance : {$0.00} {$270.00} {$0.00} High Credit : {$270.00} {$0.00} {$0.00} Credit Limit : {$250.00} {$250.00} {$0.00} Past Due : {$0.00} {$270.00} {$0.00} Payment Status : Unknown Collection/Charge off Wage Earner Plan Last Reported : XX/XX/XXXXXXXX  XXXX XXXX Comments : - Unpaid balance reported as a loss by the credit grantor. 
Account involved in XXXX XXXX debt adj. 
Credit card Included in XXXX  XXXX Date Last Active : XXXX XXXX XXXX  Date of Last Payment : XXXX XXXX XXXX  15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

15 U.S. Code 1666d - If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over 1 dollar, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. The amount can not be known without knowing the journal and legder entries of the account from the date of account opening as described in Publication IRS 583.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00} Date Opened XXXX XXXX XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX {$3800.00} Date Opened XX/XX/XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX  date opened XX/XX/XXXX {$720.00} I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX date opened XX/XX/XXXX {$18000.00} I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance 0 I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX date opened XX/XX/XXXX balance XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Sometime is XX/XX/XXXX I was contacted by a representative who immediately asked me for my last 4 of my social, and told me they could not tell me what company they worked for and why they were calling unless I gave the last 4 of my social. I reluctantly gave my last 4 and then was told the representative worked for Enhanced Recovery Company, and were seeking to collect a debt of {$400.00} from a random address I had never lived in or been to. I stated that to the representative 3 separate times when she asked about the address and I had proof that I was residing in a completely different part of the county at the time. I told the representative that the account was fraudulent and needed to be removed from my credit report. Representative agreed that the account was fraudulent and that they would look into it and have it removed. Not a single call since then, but the company is reporting every month or other month to my credit report and it is effecting my score TREMENDOUSLY. This company did not have any of my information correct, had no social security number until I provided the last 4 digits, and told me it was going to be removed for being fraudulent. I want Enhanced Recovery Company removed from my report
Product: Debt collection

I have missed one payment this month from Paypal Credit.  They have called me at all hours of the day on this phone number and multiple others.  I have an automatic payment setup so I don't miss the next payment but they keep calling my phone non stop.
Product: Credit reporting or other personal consumer reports

The following credit inquiries were not made by me, these credit inquiries below were fraudulent and done without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the same account for about 6 months now and I have not received any results to resolve my issue. 

XXXX XXXX has charged off an account, but there is still a balance being reported. 

If in fact XXXX XXXX has charged off this balance then I would owe nothing, because this account has been charged off. 

I have also disputed this account multiple time and there is no indication that XXXX  has placed a " in disputes '' comment. 

How is this account coming back verified?
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. 

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or 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. 
Please Remove the following items from my credit report, immediately : XXXX XXXX ( COLLECTIONS ) XXXX XXXX ( COLLECTIONS ) XXXX XXXX XXXX ( COLLECTIONS ) XXXX XXXX XXXX XXXX XXXX ( COLLECTIONS ) XXXX XXXX XXXX ( COLLECTIONS ) XXXX XXXX ( COLLECTIONS ) XXXX XXXX ( COLLECTIONS ) These fraudulent accounts have resulted in several fraudulent hard inquiries XXXX, XXXX XXXX, XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. CFPB step and remove the alleged accounts 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 have been calling to get my account and credit updated at Carrington Mortgage Services. My account had been in forbearance, but I have been trying to get it removed since early XXXX. First, I was told it would automatically end and I could not end it early. Then, after weeks of calling because the forbearance was still showing, I was told that it would not end unless I paid the back due amount. So I paid the back due amount, and my account still has not been removed from forbearance and my credit report has not been updated. Every time I call I am told something different and it never matches up. I have dealt with many banks for many reasons and this is by far the worst one I have ever been forced to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 XXXX reported that my account is/was 120 days late with {$52000.00} past due.I previously had this same problem with this creditor a few months prior. Mr.Cooper transfer this account to another company RightPath as of XXXX XXXXDuring that time my loan was in process of a modification due to the pandemic. As of XXXX XXXX this home was paid in full. Mr.Cooper has now caused my credit score to DROP XXXX points for which has now cost me from obtaining a new home! This is a violation. Mr.Cooper is/was no longer my service provider and has reported my account being 120 days late!
Product: Checking or savings account

I HAVE FILED NUMEROUS WRITTEN COMPLAINTS AGAINST YOUR CONSUMER FINANCIAL PROTECTION BUREAU AND ITS REPEATED REFUSALS TO PROTECT THE CONSUMERS. CONGRESS NEEDS TO IMMEDIATELY DE-FUND THE CONSUMER FINANCIAL PROTECTION BUREAU DUE TO ITS REPEATED INABILITIES AND REPEATED REFUSALS TO PROTECT THE CONSUMER.THIS COMPLAINT IS RELATED TO THE ONE THAT MY BROTHER, ATTORNEY XXXX XXXX HAD PREVIOUSLY FILED WITH YOUR NON PERFORMING CFPB. ON OR ABOUT, XX/XX/XXXX MY BROTHER, ATTORNEY XXXX XXXX HAD OPENED UP AN ONLINE SAVINGS ACCOUNT WITH YOUR VIO ONLINE BANK DBA MID FIRST BANK XXXX XXXX   XXXX, OKLAHOMA. ALL OF THE MONEY THAT WAS DEPOSITED INTO THIS VIO ONLINE BANK ACCOUNT BELONGS TO MY BROTHER, ATTORNEY XXXX XXXX. I, XXXX XXXX HAD RECEIVED A LETTER FROM YOUR VIO ONLINE BANK THAT STATED THAT THE VIO ONLINE BANK HAD THE RIGHT TO CLOSE MY ACCOUNT. THE LETTER HAD ALSO STATED THAT ALL OF MY MONEY WOULD BE MAILED TO ME IN A CHECK ON XX/XX/XXXX. IT IS NOW ALMOST XX/XX/XXXX AND I HAVE NOT RECEIVED MY MONEY. A VIO BANK 'S SPOKESPERSON KNOWN AS " XXXX, LAST NAME UNKNOWN '' HAD REPEATEDLY STATED TO ME THAT MY MONEY WAS RETURNED BACK TO XXXX THROUGH AN AUTOMATIC CLEARING HOUSE ( ACH ) TRANSACTION. HOWEVER, XXXX HAD REPEATEDLY STATED TO ME THAT THERE IS ABSOLUTELY NO HISTORY OF VIO BANK AND/OR MID FIRST BANK ATTEMPTING TO RETURN ALL OF MY MONEY. FURTHERMORE, THE XXXX ACCOUNT THAT WAS PREVIOUSLY LINKED TO MY WRONGFULLY CLOSE VIO ONLINE BANK ACCOUNT IS NOW CLOSED. I, XXXX XXXX AM DEMANDINFG ALL OF MY MONEY BACK PLUS ACCRUED INTEREST MADE PAYABLE UP TO THE DATE THAT I HAVE ACTUALLY RECEIVED MY VIO BANK 'S PAPER CHECK/CASHIER CHECK THAT ACCURATELY AND CLEARLY SHOWS A PAYMENT AMOUNT OF ALL OF THE MONEY THAT WAS DEPOSITED IN THIS NOW CLOSE ACCOUNT PLUS ALL INTERESTS UP TO THE DATE THAT I, XXXX XXXX HAD ACTUALLY RECEIVED THE PAPER CHECK/CASHIER CHECK.
Product: Credit card

Key Bank credit card closed even though the account was in a good standing. Efforts to keep it open didn't work. The company even erased the online account such that payments can not be made.
Product: Mortgage

Mortgage company put my account in a state where I have to send wire, cashiers check, or certified check for my payment for 6 months due to insufficient funds. I tried to explain to them that my bank was flagging it as fraud and not letting them take the money because they were trying take the money 3 days after I submit the payment at XXXX in the morning. I obviously had no choice to pick how my payment was made so I continued with the check route. Ive been sending cashiers checks to them for the past 3 months. My bank who iniatoes the check and pulls the money from my account notifies me when the check is delivered and cashed. Pennymac then calls me to tell my account is in foreclosure even though Ive been sending payments every month via check - my home bank has notified me that every single check ive sent has been cashed by penny mac. Penny mac tells me they have no record and to send my proof and gives me a fax number. I sent them my proof to the fax number they gave me and it was delivered and received according to the company I sent it though. They still are telling me theyve never received my information but it is the correct number. I then submit my documents through the message portal in pennymacs website and they are still telling me my house is delinquent - theyve reported many of my on time payments late and ive had to submit bank statements to get these charges off my credit. Per my mortgage agreement I have untill the XXXX of every month to make my mortgage payment. theyve marked XXXX late and XXXX was paid on the XXXX
Product: Debt collection

I have no knowledge of these accounts. I don't know who open these accounts in my name using my SSN. However, it is the hospital and or doctors ' responsibility to make sure all information is accurate and to make sure all information has been verified. I have sent out numerous debt validation letters to these companies and not one company can validate the debt they say I owe. If you can't validate the said debt it has to be removed from my credit report. Please understand the law. You may be held liable for your actions ). Please note that these liabilities are under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX, interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX XXXX a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition.

( A ) Reporting information with actual knowledge of errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 a hard inquiry was placed on my account from a XXXX company. I've never applied or contacted this company before today. I called them to get more information about their company and why they were attempting to use my credit. I think someone has tried to use my identity
Product: Credit card or prepaid card

I have submitted Capital One a written statement of me informing that the services was not rendered from Capital One XXXX. Their terms and condition stated that I would be refunded the difference when the price dropped on the flight but they did not honor their own terms and condition and re-applied the charge back to my credit card XXXX. Capital One is in violations in multiple ways. I informed XXXX the " XXXX '' I spoke with on XX/XX/22 at XXXX XXXX XXXX with Capital One Billing and she did not try to resolve the issue but informed me to provide a screenshot of Capital one XXXX terms and condition in which I declined since I already provided a handwritten statement of the billing error dispute like they requested. 

Please see all attachments for clarity.
Product: Mortgage

I have been trying to modify my loan or get a repayment plan since XX/XX/2023. I advised the company my husband XXXX XXXX and as a result have gotten behind. I moved back for a bit after husbands XXXX but eventually went back to Texas. I have since got a new tenant. Every time the underwriter requests a document I submit then they turn around and ask for something entirely different. They continue to drag this on as though they are trying to reach date that file can be submitted to legal department.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a charged off account with errors again. As you will see with the attached file, XXXX is reporting three errors again. 1. XXXX is reporting to equifax that I have Available Credit remaining, 2. The creditor classification is missing again!, 3. The account designator is missing. 

The fair Credit reporting act says XXXX must be fair, complete, and accurate in reporting a bad debt to the credit bureaus. 

XXXX has been warned multiple times for this and it has been over 30 days with no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried calling and and reaching out to XXXX, equifax, and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report XXXX days ago. The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 
Account name / numbers XXXX XXXX XXXX ASSOCIATES Account Number : XXXX XXXX  Account Number : XXXX
Product: Mortgage

On XX/XX/XXXX, my daughter and I were approved for a loan modification from Selene Finance. According to this letter, the modified amount was {$3100.00}. We agreed to this loan modification packet, signed, notarized and returned by XX/XX/XXXX. The first payment would've been due on XX/XX/XXXX. Out of curiosity, I decided to call on XX/XX/XXXX to speak to an agent and touch base on the modification, right there and then I was told by the customer service agent that the modification was cancelled by the borrower. Neither my daughter or I spoke to anyone to cancel this loan modification if I originally requested to obtain one in the first place. I asked details about the cancellation and the person was unable to provide answers of who and when made that phone call. My daughter and I were truly devastated. Until then, we were waiting for the first payment to be withdrawn from my account which never happened according to the modification agreement. XXXX months later, XX/XX/XXXX, we decided to call again and found out the loan modification was approved again for the second time in the amount of {$3200.00} which first payment was due on XX/XX/XXXX of XXXX. We were confused because we did not sign any new packages nor received anything in the mail about this second modification. We asked why we weren't noticed sooner? The agent could not determine the reason why. I have been residing at my home for XXXX XXXX years. I do not want to lose my house for past due amount of {$27000.00}. It's been hectic since the previous loan servicer switched to Selene Finance. I have called and sent numerous letters to Selene Finance to figure out a solution for me to catch up on the past due amount. I am capable of making monthly payments, but they are not being cooperative. The end goal is to find a solution whether I can be on loan modification again since it was their fault or come up with a repayment plan.
Product: Credit reporting or other personal consumer reports

This medical collection is in violation under the HIPAA Public Law 104-191