23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced my loan back in XXXX, I thought the refinanced paid off my 2nd mortgage so I did not pay it. Once I found out I owed for this mortgage almost 10 years later, I discovered the tenants ( family members ) staying in my home were not paying the mortgage. I hired the law firm to help me avoid foreclosure in XXXX, they attempted to encourage Chase to use the title company who erred in the title search to get the money for the second mortgage but Chase would not. I tried to get a modification of the loan in XX/XX/XXXX, Chase ignored it. I tried to sell the home and at the last moment the 2nd mortgage company found out they were first and Chase backed out of the sell ( the price was  {$120000.00} ) because they were no longer first and would not collect all that was owed to them. The Law office tried to get the 2nd mortgage company to forgive the 2nd mortgage but they stated they did not like how Chase treated them so they would not sign off on the loan. Then Chase offered a modification that started XX/XX/XXXX was finalized in XXXX XXXX the amount I owed to Chase went from {$98000.00} to {$140000.00} with my loan stretched out to 40 years vs 30 years. I agreed to avoid loosing my home. All taxes and fees were included with this modification. In XX/XX/XXXX Chase did an Escrow analysis that resulted in an increase of my monthly payment from {$1100.00} per month, in XXXX of XXXX another Escrow analysis resulted in a payment of over {$1300.00} and in XX/XX/XXXX another Escrow analysis raised my payment to over {$2200.00}. I did call Chase and they offered another modification but I would have to start over in the process and do this all over again. The new payments starts in XXXX and I am just uncertain if it can be done. 

I signed a modification and I have paying faithfully. I can not afford {$2200.00} in loan payments and they could not explain to me why. I called and was told that I had a {$45000.00} overage. But according to the modification, it was supposed to include all of this. Chase erred with my refinance in XXXX, would not sue the title company in charge of the search to make amends for the error and now is trying to place the burden on me.
Product: Credit card

American Express is not listing an address, email or contact to be able to ask for the reason I was denied a card. According to XXXX XXXX says that all Americans are the credit or value for the nation 's debt. To deny me credit through a card is against the laws of this land. My name XXXX XXXX XXXX is held in trust in America. I trust that American Express will give me a card based on trust equity. The Emergency Banking Act of 1933 needs to be upheld. U.S.C. Title 18 Section 241 and 242 Deprivation of Rights under the Color of Law by Corporations discriminate on risk of an individual. We ( individual ) the people are the trust equity by arms and legs that have unlimited credit. Credit Card companies and banks are selling us as chattle/ stock. Corporations like American Express must be the pass through security exchange and not discriminate. 

Thank you, XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX XXXX XXXX and I was attempting to get a payday advance and ut is showing i have 2 outstanding loans with cash express i called consumer financial database they said its my ssn but not my account I called cash express they said I don't owe them anything I need this corrected asap please so I can obtain a new loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from XXXX XXXX XXXX that I do not recognize. XXXX XXXX XXXX has been contacted and told to remove this hard inquiry form my credit report as inquiries are hindering factors in some cases when you are trying to obtain credit. FTC report was filed for my protection.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX 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 Account number : XXXX Account name : XXXX XXXX  Account number : XXXX 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 Account number : XXXX Inquiries : XXXX XXXX XXXXXXXX NJ XX/XX/year> XXXX XXXX XXXX NJ XX/XX/year> XXXX XX/XX/year> XXXX XXXXXX/XX/year>. 
XXXX XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Consumer Loan

XXXX XXXX XXXX XXXX Open Road Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was sent a letter by my local bank offering me a loan for my 2016 Kia Soul. I went to my bank got the loan and purchased automobile. I never authorized or called any of the above companies to run credit checks on me. My bank said they do not sell my information. The companies below were not authorized to run credit checks on me. I contacted them and they want me to file identity theft when that is untrue. My credit rating dropped XXXX point after these were preformed. have contacted each company demanding proof with original signatures and contracts, paperwork etc. They said no we will not cooperate I need them to remove all info from all credit reports due to damage to credit rating. Its there fault I want them to fix it or I will seek legal action
Product: Student loan

Subsidized : XXXX Loan start date : XXXX Loan Amonut : XXXX XXXX XXXX : XXXX Estimated Payoff : XXXX : {$26000.00} 8 %
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS LLC is communicating with me ( a consumer ) in connection with collection of an alleged debt that I do not owe. They do not have my consent to communicate with me. JEFFERSON CAPITAL SYSTEMS LLC has my personal private information without my consent. This is identity theft. They are a third party debt collector who purchased this alleged debt from XXXX XXXX XXXX. No consent from me to communicate with me is a violation of the Fair Debt Collection Practices Act. They are reporting inaccurate, incomplete, negative and damaging collection information to my consumer report with XXXX, XXXX, and XXXX. 
Pursuant to 15 USC 1692c, I am notifying JEFFERSON CAPITAL SYSTEMS LLC that I refuse to pay the alleged debt and I wish for them to cease further communication with me which included reporting information to my consumer report. The only communication allowed aside from what 15 USC 1692c ( c ) allows is a copy of the AGGRAVATED VALUE OF PURCHASE which will show how much they purchased this alleged debt for as they are extorting me for payment in the amount of {$10000.00}. If they did not purchase this alleged debt for {$10000.00} then they are sharing false & misleading information.
Product: Checking or savings account

All I got was a letter stating they had opened fraudulent checking and/savings accounts in my name and didnt offer any restitution for the damages to my reputation nor credit history.
Product: Student loan

Navient manages several private loans of mine. But they don't allow for an easy transparent way to determine the monthly payments cost. The site is very confusing. Also, I have separate loans with different cosigners and I should be able to send in payments and pay extra amounts on each load easily and they are do not process my payments accordingly. I want to be able to see my monthly payments and be able to send payments to each specific loan, not a bulk payment to all loans. I should have complete control over how payments are applied.
Product: Checking or savings account

I had an account with navy federal since 2017 and was charged multiple overdrafts fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

by fcra rights and laws for my consumer protection i have not given XXXX XXXX .equifax XXXX XXXX i am requesting remedy for {$5000.00} plus removal permission to goto a third party and illegally furnish my bankruptcy in which the courts sent me a letter they do not and will not place a record on either reporting agency and they lied and responded fraudulently that the info was furnished by the courts itself this is not in truth, at this point i am asking remedy and seeking removal now no one has writes to do this to me take my personal business about my life and furnish it from any of these third party entities and lie ask them why the courts have proven they are in violations and they dare lied to you ask for evidence i already supplied attached to the previous reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX DEPTEDXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. 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 the identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Capio partners used false representation of the alleged debt trying to collect on a positive balance in regards to a negative alleged debt. The balance didn't have a ( - ) in front of the alleged debt making it a positive number. CAPIO PARTNERS used threatening tactics to report negative remarks on my credit file if the alleged debt was not paid. CAPIO PARTNERS furnished and compiled a deceptive statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 XXXX I have never authorized XXXX to run my credit i boughta car came with fin in hand use own bank contacted dealer as well as XXXX  please remove there is no open accounts on my credit with XXXX as of XX/XX/2022
Product: Mortgage

On XX/XX/XXXX, I went into the company 's website to pay my loans. I had 2 loans for 2 separate properties with them. The system let me make a payment for the property on XXXX XXXX XXXX. The system locked me out of making a payment for the property on XXXX XXXX XXXX. I called on XX/XX/XXXX to find out what had happened and was told that my loan was sold. I was also told that there was a 60 day transfer protection. On XX/XX/XXXX, when making payments on all of my monthly bills, I found out that it was actually the XXXX XXXX property that had the loan sold, not the XXXX property. Furthermore, I found that 1 day after making the payment against XXXX XXXX, the payment was not processed since the loan was sold. However, with the XXXX property, which I was locked out of making a payment against on XX/XX/XXXX, was now showing that I was 30+ days overdue on. After XXXX minutes of explaining this to an online " chat '' agent, I was finally given a customer service number to call, which was the very first thing I requested! As you can imagine, I was XXXX at this point! The first person I spoke to said that since it had been over 30 day since payment was due, it was now reported to the credit bureaus. In addition, it took a total of 3 people to talk to get my payments processed and my account caught up. The online website system wouldn't let me make the needed payments. In total, I have spend 3 plus hours today figuring out that their website originally had the wrong address as being sold and locked me out of making a payment against that account, but did let me make a payment against the property that had the mortgage sold, only to cancel that payment a day later. Now, my credit score, and therefore all access to loans, is going to take a hit with the result being a higher interest rate due to the error on Amerihome 's end! Not happy with this company!!!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX inquiry shows on my personal credit report dated XX/XX/2020. This inquiry was not authorized. Information is incorrect possibly belonging to someone else. Also show 's I have account opened with this company. Wish to dispute that as incorrect, would like to notify the creditor that I did not authorize this and is likely a result of fraud.
Product: Debt collection

JEFFERSON CAPITAL SYST XXXX last updated XX/XX/year> XXXX XXXX XXXX XXXX last updated XX/XX/year> XXXX XXXX XXXX XXXX last updated XX/XX/year> XXXX XXXX XXXX XXXXXXXX last updated XX/XX/year> XXXX XXXX XXXX XXXXXXXX last updated XX/XX/year> XXXX XXXX XXXX XXXX XXXX last updated XX/XX/year> 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report from XX/XX/XXXX. I saw some hard Inquiries that did not have permissible purpose. I also attached evidence. 
XXXX. XXXX XXXX XX/XX/XXXX Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B. 
XXXX. XXXX XXXX XX/XX/XXXX Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B. 
XXXX. XXXX XXXX XX/XX/XXXX Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. the list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

THE FOLLOWING COMPANEY BELOW IS FAKING THE OPENING DATES OF THE FOLLOWING ACCOUNTS BELOW AS WELL THEY HAVE NO BUSINESS LICENSE TO OPERATE AND CONDUCT BUSNISSE IN THE STATE OF CALIFORNIA. AND THE 3 CREDIT BUREAU ARE KEEP SAYING THEY VERIFIY THESE ACCOUNTS. ITS NOT TRUE THE 3 BUREAU IS LYING. THEY NEVER SEND ME ANY PROOF OF ANYTHINGS ONLY SAYING OH WE VERIFIY. LIE LIE LIE 1 ) XXXX XXXX  ACCOUNT # XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. 2 ) XXXX XXXX ACCOUNT # XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. 3 ) XXXX XXXX XXXX ACCOUNT # XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. 4 ) XXXX  XXXX XXXX ACCOUNT # XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. 5 ) XXXX XXXX XXXX ACCOUNT # XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. 6 ) XXXX XXXX XXXX ACCOUNT # XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. 7 ) XXXX XXXX XXXX XXXX # XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. IMMEDIATELY. XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. 15 U.S.C 1681 SECTION 602A 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 1681 c. ( 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 WGICH 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 REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : Account # XXXX To whom it may concern : This letter is being sent to you for VALIDATION OF DEBT ON THE ABOVE REFERENCED ACCOUNT as noted in my Credit Bureau Report XXXX Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a verification or proof of my mailing address, but a response for VALIDATION made pursuant to the above names Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : *What the money you say I owe is for ; *Explain and show me how you calculated what you say I owe ; *Provide me with copies of any papers that show I agreed to pay what you say I owe ; *Identify the original creditor ; *Provide that the Statue of Limitations has not expired on this account ; *Show me that you are licensed to collect in my state ; *Provide me with your license numbers and Registered agent At this time I will also inform you that if your offices have reported invalid information to any of the 3 major Credit Bureaus ( XXXX, Experian, XXXX XXXX XXXX this action may constitute fraud under both Federal and State Laws as well as, *Violation of the Fair Credit Reporting Act *Violation of Fair Debt Collection Practices Act *Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation period, if any action is taken which could considered detrimental to any of my reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated or verifying and account as accurate when in fact there is no proof provided that it is. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed form my credit file and a copy of such deletion request shall be sent to me immediately. 
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with and third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. 
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records ; any information obtained shall be used for that purpose. 
Best regards, Certified Mail Return Receipt