23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I XXXX XXXX helped my mother modify her mortgage With XXXX the mortgage company the first payment was due XX/XX/XXXX Sadly that is the day my mother passed I informed them of her passing and told them that I was going to to keep up with the mortgage On XX/XX/XXXX The county in Florida where the home is XXXX XXXX was hit by a Cat5 hurricane which caused major damage to the home plus the town XXXX XXXX was not in shape there was no power stores and the courts were closed for a while There was no foreclosure filing or trials put in effect for the countys effected in XX/XX/XXXX I was XXXX days behind I was able to get the payments for the XXXXdays plus one for the month of XXXX I was told to Pay a reinstatement fee that was not reachable at that time I was told that the home would be foreclosed and sold on a auction The insurance company sent a inspector out to assess the damages I lost a lot of things that the inspector wrote in the claim I was never informed or sent a payment the mortgage company kept the payment So I need help with this matter I've spoken to many attorneys in my area and they tell me they are not taking cases like mine I also supposed to have whatever was left over from the sale but the judge ruled against me XXXX XXXX XXXX XXXX XXXX I would like to have them investigated And I would like to Add XXXX XXXX to the complaint too My mother was XXXX yrs old XXXX XXXX XXXX  and only had an XXXX grade education in XXXX of XXXX she was given a XXXXyr mortgage she did a refinance which they should have never did They didn't expect her to pay off the mortgage Please someone help me with this matter I've been trying to get it done but no one wants to take my case as you can see I have some stuff that is really complex I have more but I'll stop here
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has repeatedly contacted me regarding this loan account and subsequently reported me as in collections to all of the major credit bureaus. I do not have any responsibility for the debt that XXXX/PNC is trying to collect and I dispute its validity. XXXX/PNC Bank ( loan originator ) provided a promissory note that dictates that default occurs once the " Borrower does not make any payment before or on the date it is due -according to their documentation, the loan in question defaulted in late 2010. As the promissory cites Pennsylvania as its governing law, which has a 4-year statute of limitation on debt, this loan is unenforceable and XXXX has engaged in unfair collection practices.
Product: Debt collection

I referred several people to this company prior to my loan defaulting. On XX/XX/2021 one of the individuals that i referred to the company applied for a loan. This individual is not a relative of mines, however is residing in my home temporary. The gentleman sent me a text message while he was at work indicating the following " They turned me down because you already had a loan with them and its in collections ''.

This individual SHOULD NOT be privy to my personal information!!! This individual do not know anything about my personal finances and should not have been informed by this company. This is illegal. I am not married, he is not my husband and I did not give this company permission to discuss my debt with ANYONE. I am going to file a lawsuit. I am embarrassed by their actions and feel violated and judged.

Additionally, why deny a person who have no connections to me legally because of a debt they don't have anything to do with. Isn't this illegal too.

I also recorded the conversation when i called and informed the employee that i was recording the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that i am not 100 percent sure if they are. I also read something called " The Fair Credit Reporting Act '' where it said law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me. I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts need to be deleted. Well, i want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them I demand the following accounts be verified or removed immediately. 

NAME OF ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX NAME OF ACCOUNT XXXX ACCOUNT NUMBER XXXX NAME OF ACCOUNT XXXX XXXX ACCOUNT NUMBER XXXX In accordance with the fair Credit Report act XXXX  Account # 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 with my written instructions
Product: Student loan

I am writing to urgently request your assistance in rectifying a severe issue affecting my credit report. My name is XXXX XXXX, and I am deeply troubled by the presence of a fraudulent account that has been erroneously reported by Nelnet or the relevant student loan company. 
The crux of this matter revolves around a purported promissory note associated with this account. However, I want to emphasize that I have never signed nor provided any information for the creation of such a document. There is no record of my electronic signature or any associated IP address to authenticate any alleged digital signing process. Furthermore, the borrower information listed on the document, including an incorrect phone number, does not match my own. 
Given these circumstances, it is evident that there is no accurate promissory note or official instrument of indebtedness associated with this account. Therefore, I am formally requesting the immediate removal of this account from my credit report. The presence of fraudulent information not only undermines the integrity of my credit history but also has the potential to inflict significant harm to my financial well-being. 
I implore the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure the expeditious removal of this fraudulent account from my credit report. It is imperative that swift action is taken to mitigate any further damage to my credit standing. 
I am prepared to provide any additional documentation or information necessary to support my claim and facilitate the prompt resolution of this matter. Your prompt attention to this urgent request is greatly appreciated. 
Thank you for your understanding and assistance in addressing this pressing issue. I eagerly await your response and the swift resolution of this dispute. 
Sincerely, XXXX XXXX
Product: Debt collection

Simms and Associates a debt collection company has called me no less than XXXX times regarding an alleged collection for my daughter XXXX XXXX. 

I have informed them each time this is not her number, I have no involvement in this claim and in fact they will not disclose ANY information to me about it as they acknowledge that I am not party to the transaction and they can not disclose any information to me, yet they continue to call. 

Each time they insist they have never called me before, today I said, " then how do I know who you are and what you are calling about. " Each time I have asked them to stop calling yet they continue to call me. The latest call was today. 

My daughter has spoken to Simms and Associates approximately 3 months ago ( so yes they have been in contact with her directly ). She asked them to send her a letter with proof of the debt and explanation of the debt. Their response was they already sent it, however, she has received no such letter or information to date. She asked them to send the information and it still has not arrived. 

The person I spoke to today was aggressive, insistent about getting personal contact information for my daughter, refused to provide ANY proof they have a valid reason to contact her, and denied the firm has ever contacted me before. 

I told them they are violating the law by continuing to contact me and harass me. She insisted they are not violating the law by contacting me about a debt I am not a party to. She did say they would remove me from the list, BUT they have said this the last XXXX times as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with all 3 credit bureaus ( Experian, XXXX, XXXX ). The current companies are not complying with their own policies in a timely matter. I have reached out to them in regard to unauthorized inquiries on my account and it has been more than 30 days and i have not had any updates.
Product: Checking or savings account

Yesterday on XX/XX/XXXX 3 transfers of money from my account to a different account occurred. The 3 transactions totaled to {$150.00} and these transactions were not initiated or authorized by me at all and I do not recognize the person that the money went to. I contacted my bank Chime and explained the situation and they filed a dispute and told me that my account was compromised and I needed a new card. This morning XX/XX/XXXX I received an email stating that my dispute was denied and I wouldnt be getting my money back. I called the bank again and explained that I did not authorize these transactions and that they are fraudulent. The re-opened my claim and I submitted any documents that I had but what is most frustrating is that on XX/XX/XXXX the agent told me I would be getting a temporary credit no later than XX/XX/XXXX and they just completely disregarded that. They dont seem to care at all that {$150.00} was taken out of my account and I just want my money back
Product: Checking or savings account

i use XXXX for my XXXX investments but pnc won't let me i need to be able to sendmy money from XXXX to my account with pnc
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

Tranaction date for XXXX charge was XX/XX/XXXX. Post date for XXXX charge is XX/XX/XXXX. I spoke to XXXX customer service and they told me an account was created using my Citizen Bank XXXX. When I asked what was purchased and where it was delivered to XXXX refused to help ( provide further information ). I contacted Citizen Bank and filed a claim ( XXXX ). Since then, I've been getting suspicious letters from Citizen asking that I send different information to different XXXX XXXX XXXX. The first letter was dated XX/XX/XXXX. I was told to send supporting information before XX/XX/XXXX or they would not investigate. I was told to send infromation to Citizens XXXX XXXX XXXX XXXX CT XXXX or fax it to XXXX or email it to disputes @ citizensbank, com. I was also told to call XXXX if I had any questions. I immediately emailed them information the day I received the letter. Since them I received many phone calls telling me to call them and close my account and they will issue me a new card. When calling Citizen Bank you get different people from their call center in XXXX that just ask the standard gatekeeper type questions and this is not very helpful ( a waste of time ). I recently received another suspicious letter dated XX/XX/XXXX. In this letter, they asked for my name, account number, asked me to provide my signature, asked me to provide the dollar amount of item disputed, date of purchase, merchant name, why I am disputing, and they asked me to provide the same information I sent them a month ago again. This time I was told to send it to Citizens Accelerator Rewards XXXX XXXX XXXX XXXX CT XXXX or send the information by fax or email to the same number and address that was in the previous latter dated XX/XX/XXXX. At this point I am not sure what to do. I am not sure why they want my signature? I did not take action on the last letter.
Product: Credit reporting, credit repair services, 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. XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX, US BKPT CT NY XXXX XXXX ID # XXXX, DIVISION OF CHILD SUP 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 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 seven 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

What I said in my complaint ...       To whom  it may concern, I mailed a Multiple Inquiry Removal Letter  on  XXXX   XXXX ,  XXXX  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,  XXXX  and they completed the request on  XXXX   XXXX ,  XXXX . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it state s that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. This many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case, and is hindering building my credit as I plan to purchase a house by the end of the yr or early  XXXX . I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Mortgage

I had massive identity theft and was not able to recover funds because the CFPB nor the police protected me when I reported this three years ago. So even though I have receipts of other persons using my bank account, I still did not recover a cent. 

Then, during XXXX I lost a job, had no funds thanks to the identity theft, and had to move to start over. 

I finally started recovering but one of the jobs I took was essentially remote, so I had to step down because once XXXX  ended, they wanted someone more in the office and the job was several hours away. So I did XXXX  to attempt to work, but thanks to XXXX, XXXX  is only now recovering from the pandemic. 

So, I just began a new job a few months ago, however thanks to the ongoing identity theft ( XXXX swapping, XXXX spoofing, device management ) I lost even more funds, that I cant recover despite evidence that other devices were logging into my accounts and my accounts were used in two cities and states at the same time ( XXXX, XXXX ). 

So, I applied for XXXX since XX/XX/2022. Only then did I discover that XXXX XXXX  continued to buy unnecessary insurances for my mortgage and ran my escrow into the negative. Right when I got the initial approval for XXXX, XXXX transferred me ( this is the fourth time my loan has been transferred in a year of owning the home ). XXXX says they have tried to reach out to the lender ( LoanCare ) to no avail. Apparently, unless I call every day, no one is doing what they should and Im about to lose my home because XXXX and LOANCARE cant figure out how to communicate with each other, even though I tagged them both in emails together. Also, concerning my device being compromised, my caseworker in XXXX sent me a spoofing email with device management. This was confirmed by XXXX. 

So Im about to lose my home because my previous mortgage lender did fraud and had to correct it. The social worker over my case helped compromise my device and the police in this state refuse to arrest a pastor and his wife who used my bank accounts and obtained fraudulent student loans, credit cards and loans using my identity.
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, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX PLEASE UPDATE MY CURENT ADDRESS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested 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 # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting

Item # 1 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. 
Item # 1 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX accounts is fraud and should be deleted Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX Account number XXXX .... 

Account number XXXX .... 

Account name XXXX XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies, and I am the CONSUMER. I have the right to make sure my private information isn't shared, which 15 USC 6801 backs that, and it states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a financial institutions by definition under that title. 15 USC 1681, Section 604a, Section 2, states that " In general, subject to Subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX the financial institutions, and consumer reporting agencies Equifax and XXXX do not have my written consent. Any and all consents to XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether verbal, non-verbal, written, implied, or otherwise, are revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items of information, other than records of convictions of crimes that antedate the report by more than seven years. '' This account is an adverse item ; they are reporting again without my permission, which is against the law. 15 U.S Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of Section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under Section 1681b of this title. '' Equifax and XXXX are not maintaining responsible procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out anytime. '' I am opting out of your reporting services. " +*96+