23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX SELENE XXXX Complete Short Sale package was submitted to Selene XXXX Confirmed Selene received complete package under review XXXX Selene requested additional documents including pay stubs and Bk previously submitted on XXXX XXXX Submitted additional documents requested on XX/XX/XXXX and updated pay stubs and bank statements. 
XXXX Confirmed with Selene additional documents received XX/XX/XXXX Documents under review with review team XX/XX/XXXX Selene requested some other additional documents and updated pay stubs and bank statements for the third time. 
XX/XX/XXXX submitted additional documents plus updated pay stubs and bank statements XX/XX/XXXX Per Selene a drive by BPO was done value at XXXX XXXX, additional documents submitted on XX/XX/XXXX received and under review XXXX Per Selene Underwriting an interior appraisal would be ordered XX/XX/XXXX No interior appraisal requested waiting on XXXX approval to move forward with interior BPO. Requested for the fourth time pay stubs and bank statement XX/XX/XXXX submitted pay stubs and bank statements XX/XX/XXXX Per Selene all documents received XX/XX/XXXX re submitted additional documents requested on XX/XX/XXXX XX/XX/XXXX started corresponding directly with Selene underwriter and Loss Mitigation manager via email Since XXXX to date date after XXXX emails between underwriter and Loss Mitigation supervisor there is no response on any decision other than they want yet again for the 5th time pay stubs, bank statements and W-2s.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU BROKE THE LAW! 

To Whom It May Concern : I would like to say. that Equifax is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may Furnish a consumer report in accordance with the written instructions of the consumer. I the consumer living person never gave Equifax any written consent to report anything on my consumer report. No consent is identity theft. I have listed the accounts below and I demand you remove these inaccuracies of my consumer report. If they are not removed I will not extend my credit to anyone or allow Equifax to furnish my report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate consumer reports. By Equifax allowing these inaccuracies to ben furnished on my consumer report it has caused me to lose confidence in the banking system. If Equifax wants to continue doing business with me, it should delete the inaccuracies off of my consumer report below immediately. 

XXXX XXXX XXXX Bank XXXX Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Credit Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Bank XXXX XXXX Account Number XXXX Cease and Desist from reporting these accounts on my consumer reports now and one hundred years from XX/XX/2022. 

Sincerily, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name NATIONSTAR/MR COOPER Account number : XXXX I recently received a copy of my consumer report, and I noticed some late payments posted on my accounts. By law, pertaining to the CARES ACT, accommodations were made to my account and ive been current since, and late payments should have not been reported and is a clear violation to my rights as a CONSUMER. I have never missed a payment in the month of XX/XX/XXXX or any months AFTER. I have been affected by XXXX XXXX Please update the month of XX/XX/XXXX. PLEASE UPDATE to either ON TIME, NO DATA/DATA UNAVAILABLE, or DELETE ACCOUNT altogether : The following supporting documents are enclosed for your review : 5. CARES ACT 6. 15 USC 1666 ( BILLING ERROR ) 7. 15 USC 1681 C-1 8. 15 USC 1681 C-2
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to all the credit reporting bureaus about a XXXX  XXXX XXXX  XXXX XXXX that's been opened in my name and used apparently and I explained multiple times that I have been a victim of identity theft and that there has been many attempts to use my information for loans and credit numerous of times and that I never authorized a credit card account or any loans to be made in my name and now my credit score has been fraudulently decreased after all the time and hard work of getting my credit score to were it needs to be and now I'm suffering from fraudulent account on my credit score and having to take all these steps to try to fix this problem I don't have no credit card with XXXX XXXX XXXX and haven't tried to open a account with them so please help me get this took care of and get my credit score back to were it was before this mistake or before the identity of mine was stolen please
Product: Debt collection

I was contacted by XXXX XXXX XXXX XXXX from XXXX GA about a payday loan debt I took out about 2 years ago from Easy Money in XXXX TN for {$25000.00}. XXXX XXXX called me on my job and threatened me that if I did not sign a promissory note and pay them {$100.00} within i week with a credit card or debit card that he would be garnishing my wages for {$1500.00}. The following day he called my fiancee on her mothers cell phone and discussed my debt with her. He told her that I had to pay {$100.00} in 2 days then pay {$350.00}. within a very short time and if I did not do a promissory note the following day and pay the day after that that I would be served with papers that had already been approved through the court and I would have to pay {$2000.00}. My fiancee and I have just had our first child and this payment would cause a great deal of undue hardship for my family. I researched my consumer rights and the following day I received a message from XXXX XXXX on my in-laws cell phone again threatening me that if he does n't hear from me by the end of the day I will be served garnishment papers at my job the the following day. He called back and my fiancee tried to ask him for information concerning his company, the address and the license # and documentation about the loan he rudely interrupted her saying documentation has been sent and an email was sent which it never was and that he would be sending someone to my place of business with papers in the am. He then proceeded to call my boss told him I had bad checks and was going to be arrested. My bosses company depends on me to be there every day and he said he would pay this debt to keep me out of jail. I have to pay this back to my boss with my pay check and it will greatly harm my ability to pay my rent and get food for my family.I am extremely angry and feel this man has put lies and my financial business out to people who have no business knowing. I plan on legal actions concerning this company and this man.
Product: Credit reporting, credit repair services, or other personal consumer reports

My SSn was compromised because Equifax did not guard the information with stringest level security.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I attaching proof that Equifax has admitted that i was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Debt collection

This is an old cell phone bill originally by XXXX, that occurred in XX/XX/2012 while I was in high school working a part-time job. I paid on it until my temporary job ended and it took awhile to get another part-time job. Due to limited income I was not able to continue to pay and XXXX turned the unpaid bill over to a collection company. This is now affecting my credit score and now affecting my ability to get a good job with a federal agency. I am willing to settle the account but I would like proof of the contract which I am not getting.
Product: Prepaid card

Im a victim of identity theft from a roommate of 20 years, when you say you see patterns of the same purchases its because she lived with me of course we went to the same stores, and also she wanted me to think it was me. She activated the first card and many after that, the only reason I knew about missing money was XXXX let me
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with an individual named XXXX at Early Warning Services today, in response to getting declined for a bank account with XXXX XXXX XXXX XXXX She was not helpful, rude, and seemed to experience schadenfreude when I informed her that EWS was the apparent cause of the aforementioned decline. When I told her that I had already requested my consumer report, and requested that they send it to me by email ; asking how long it would take to get to me, she said " We have the right to take fifteen days, to verify the report, and then email it to you. '' I believe she is one of those reprehensible individuals who just uses the word " verify '' to sound official, without in fact knowing what it means. She used " apologize '' in a similar way. <P/>Regardless, I have never had a problem with any bank, I have no issue on XXXX and yet, there appears to be what I can only assume is an error on EWS. Moreover, their customer service department is nothing short of recalcitrant. <P/>To wit, when I asked her name, she asked, " why do you want to know my name? '' to which I responded, " I must know whom I am speaking to, '' to which she responded, " I stated at the beginning of the call my name is XXXX. '' That sequence of sentences only makes sense if someone is going out of their way to be difficult. <P/>Please do something about EWS. If they are going to hold up people 's lives, and experience schadenfreude about it, they should at least provide one 's consumer report immediately online.
Product: Credit card or prepaid card

Account XXXX ... XXXX XXXX XXXX XXXX. 

I have been a long time credit card customer of XXXX. They don't care one bit about the fees they charge. I contacted them because I paid off my credit card all but apprx XXXX. I paid them {$4500.00} on XX/XX/XXXX. On XX/XX/XXXX, they want to charge me {$68.00} in interest? 

This what they said " Any time your statement balance is not paid in full by the due date, youre assessed interest on the average daily balance. Your previous statement balance was {$4600.00} and we received payments totaling {$4500.00}, thus causing interest to bill to the account. '' Okay, I understand that interest would be charged on the balance, but {$68.00}??? 
This is pure robbery and their way of making BIG time $ $ off of consumers. 

On XX/XX/XXXX, where the balance was {$4500.00}, they charged me {$79.00} in interest which is understandable, but I make a large payment BEFORE the interest is posted and they still want to charge me {$68.00}? I would like to have this interest fee either removed or reduced drastically. 
This is the problem with credit cards ; they don't even allow you to pay off any debt, because they double your monthly payments all because of the interest they charge. It's strictly a game and what's even worse, I have a credit score of XXXX. 
Your assistance on this would be greatly appreciated.
Product: Credit card or prepaid card

I purchased a Vanilla Visa Gift Card- before I could use it, the card was compromised- I've called the number in the back of the card- XXXX they keep telling me that they will be sending me a form, via email, their claim form to file a dispute, however, to date I haven't received this form. I phone all the time and still haven't received resolution to the issue. I purchased a Vanilla Visa gift card at XXXX for XXXX in XXXX and would like this to be resolved. According to the back of the card, they are serviced by InComm Financial Services.
Product: Payday loan, title loan, personal loan, or advance loan

I received a welcome call about two weeks ago from Regions Finance about a loan recently opened, this alerted me to my identity being stolen. I went through XXXX to confirm my DL was found on a dark web search. I learn from Regions that they mail whats called a live check which is the same thing as opening a loan. This alleged check was then cashed in the amount of about ~ {$1800.00}. Regions said the account was opened using my DL number and a signature. Regions also read the signature to me on the phone and it clearly was not my signature. So I asked them to freeze and cancel or do what they can because I do not have any business with them, I have all my regular accounts through XXXX, car loan through XXXX  XXXX, and a small personal loan through upstart. Regions refused any action, kept threatening my credit score, and wont take any action unless directed to by law enforcement. They continue to call, wanting me to fill out an involved packet that requires police report, notarized documents and affidavits, absolving them of responsibility. To recap, Regions Finance used my information to mail an unrequested/unwanted check and then used a stolen drivers license number and a forged signature to cash it. Its worth noting that this happened whilst my credit profile is on lockdown. XXXX. There should be no offers even generated. This is gross negligence on the part of Regions Finance.
Product: Credit reporting or other personal consumer reports

I am hoping for your assistance with an ongoing situation I am having with my mortgage company XXXX XXXX. Shortly after my area was devastated by hurricane XXXX in late XXXX, I went into a forbearance plan with XXXX XXXX. I hoped to free up some cash to take care of damages that had occurred during the storm. I started the plan the month of XXXX and was to continue in the program until the end of XXXX. I continued to pay my escrow amount {$390.00} each month, but excluded the principal amount {$1000.00} each month. My plan was to do a loan modification for the three months of principal to have it added on to the end of the mortgage. In XXXX I reached out to XXXX XXXX to start the loan modification process. During this phone conversation I was not notified that I might not qualify for a loan modification. During this conversation with XXXX XXXX, I was NOT told that I would no longer be in forbearance. During the first of XXXX I attempted to make an online payment for the escrow amount and found I was locked out of the system. I then called XXXX XXXX and thats when I found that I had been removed from forbearance and was delinquent on my account. I immediately took care of paying and getting my account up to date. I later found out that XXXX XXXX had turned my account into the credit agencies for being late. Before the reporting from XXXX XXXX, I had an XXXXcredit score. I have been told by representatives from XXXX XXXX there is nothing they can do since they sent me a letter about being pulled from the forbearance program. I did not receive a letter from XXXX XXXX advising that I was pulled from the program. Again, I NEVER received any notification from XXXX XXXX letting me know I was no longer in forbearance, not a certified letter, not a call and not an email. Prior to this situation I had never missed a payment and had an excellent credit score. I would not knowingly jeopardize that good standing and have to deal with this horrible situation of trying to correct it. I would greatly appreciate any assistance you might could give on this situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : DEMAND for IMMEDIATE DELETION of unlawfully reporting of inaccurate, incomplete, and unverifiable information in dire infraction of federal laws. 
To whom it XXXX concern CAPABLE of making appropriate changes, Please DELETE the illegally reported items below : XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Unverified through FCRA and XXXX STANDARD. 
XXXX XXXX XXXX XXXX  XXXX, Date : XX/XX/XXXX, Account # : -, Issue : Unverified through FCRA and XXXX STANDARD. 
XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : UNVALIDATED THROGH FRCA AND XXXX XXXX COMPLIANCE XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Date : {$0.00}, Issue : Unverified through FCRA and XXXX STANDARD. 


XXXX. XXXX in case of disputed accuracy ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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 About XXXX XXXXs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the XXXX. The XXXX is returned to the initiating CRA with updated information ( if any ) relating to the consumers credit history. If an account is modified or deleted, XXXX Copies are sent to each CRA with whom the XXXX has a reporting relationship. 

XXXX XXXX TransUnion Credit Bureaus Must Delete Without Proof. 


XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim, I had an account with XXXX XXXX XXXX XXXX deleted from my credit report in late XXXX, early XXXX. I recently discovered that the account has been added back to my credit report. In accordance with the requirements of the FCRA Transunion was supposed to notify me within 5 business days of reinserting the account, but failed to do so. I demand the immediate removal of the account from my credit report. This is the second fraudulent account that has been reinserted and I will be seeking legal counsel if I do not get this resolved.
Product: Checking or savings account

My wallet and phone were stolen on XXXX and money was transferred to XXXX XXXX and XXXX and used to by XXXX. They drained my account and I am on vacation in XXXX. I live in XXXX. I am now sick in XXXX  with no way to get home and no money. I filed a fraud claim with wells fargo and was denied saying the transactions were authorized. It was for {$XXXX}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello again, My name is XXXX XXXX XXXX from XXXX XXXX XXXX XXXX NC XXXX.

I am writing with an immediate urge to remove 4 entries of collections off of my report with you. I am a veteran over XXXX   years old now. And to think that you treat us US Citizens like this is unconscionable.

I have filed a complaint with the Identity Theft board of the Government and am looking forward to when the entries below will be removed from my report.

-XXXX XXXX XXXX XXXX  : {$75.00} XXXX XXXX XXXX XXXX  : {$59.00} -XXXX XXXX XXXX  : {$150.00} XXXX XXXX XXXX  : {$1000.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

I have correspondence from an XXXX XXXX XXXX XXXX XXXX regarding my loan with Citizens Bank and my mortgage. The VA is trying to fund my loan with this bank and she is not communicating with XXXX XXXX from the VA. XXXX is needing to know that my loan was in forbearance in XXXX and she is not giving him that information. She is avoiding that at all costs. This has been going on since XXXX. All he needs is a simple yes and it can be funded. I don't know where the disconnect is with XXXX but she needs to be removed from handling Va loans or Citizens in general should not be approved to handle VA loans I have had nothing but problems with them. I spoke to a loss litigation representative today XX/XX/XXXX and he is XXXX  the covid forbearance letter his name XXXX. XXXX owes me loss of wages and time spent on dealing with this and the stress I have dealt with due to the issues with this. I have been put on stronger XXXX XXXX XXXX due to this and have checkins with XXXX XXXX XXXX XXXX  due to the stress of this mortgage process. That is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from XXXX, the vehicle was repossessed they said they sent a delinquency letter to me within 10 days which in XXXX the law in Georgia. They did not send a letter I submitted it to the credit bureaus they have not fully investigated the problem. There is no bill of sale where they say they sold the vehicle for {$1500.00}. They sold my account to a collection agency without my knowledge. I have a $ XXXX debt with XXXX and they can't provide me with a copy of a bill of sale that I have requested to show proof that the car was sold for the amount they are telling me it was sold for.