23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Midland Mortgage has taken so much from many consumers and should not be allowed to get away with THIS!!! THEY ARE THE WORST!! In 2019 I became very ill and we fell behind on our mortgage. We reached out to Midland Mortgage for assistance, which we now regret. Our mortgage contract was sold to Midland Mortgage from XXXX. The only option we were offered was a loan modification. We were placed on a " 3 month trial period '' where they lowered our payment by {$300.00}. This just didnt seem right and was very misleading. They had instructed and promised that this would not be reported to the credit bureau as it was during the trial period and considered as forbearance. We paid as we were asked for the 3 months. After the 3 month trial period we were sent more paper work to sign, I was physically ill and just needed help with catching up on our mortgage. Well, we decided to sale in XXXX of this year, and finding out there is a 2nd lean on the home-HUD. This was overwhelming!! I have never cried so much in my life, feeling we were taken advantage of. I reached out to Midland and HUD and was given the run around regarding how they determine the amount owed to the 2nd lean. The balance we owed to HUD was like a 2nd mortgage over {$90000.00} not counting the {$230000.00} owed to Midland. We continued forward and sold our home but, had to come to the table with a closing cost of {$18000.00}. I had to borrow money from my retirement account so that we could close on the home. We just wanted from under this horrible company. To add insult to injury, we just found out they reported us being 120 days late on our mortgage. Our score dropped about 50 points and has affected us horribly. ALL THIS going on and being sickened with COVID!! We are very disappointed with this company and will not recommend them to anyone. Please put a stop to this company they should not get away with what is taking place. A TOTAL RIP OFF!!!
Product: Debt collection

XX/XX/2021 I sent a letter to Firstmark Services LLC requested a debt validation letter according to the FCRA and the FDCPA, They sent me back a correspondence on XX/XX/2021 saying they would review my request and the respond said that I made a payment on the loan but they didn't provide any other evidence or promissory or signature or anything. I sent another request on XXXX XXXX requesting documentation and contract obligating me to pay the company, again I didn't receive the information I requested. I received an email saying that I received a promissory note on XX/XX/2021, which I didn't They also sent me about much the loan is but no proof. On XXXX XX/XX/2021, I sent a letter again stating this is my last and final time requesting debt validation on I will have to pursue with the courts and now I am waiting on a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2021 when signing up for timeshare as a single individual there was no credit pulled or stated due to property was being taken over at the same rate and amount that was owned by the original owner. Three months later I noticed westgate being report without my written consent
Product: Credit reporting or other personal consumer reports

TransUnion credit reporting has denied my request for my free credit report for many reasons, none of which make any sense. They first attempt they told me my NJ state XXXX  ID and verification was invalid, " XXXX and XXXX accepted the prison documents ''. The second attempt the XXXX ID and address documents were not proof of who I am. " XXXX picture IDs ''. This final attempt after being on the phone for over XXXX minutes '' multiple calls because their phones were cutting out '' I was told that they don't accept my New Jersey State Drivers License or the letter from the Homeless XXXX  Transition residence '' NJ State Agency '' or the Resident ID with BOTH picture and address of my residence. In addition I provided a XXXX XXXX ID and Social Security card. 
I talked to " XXXX '' at the call center and answered two out of three question correctly but I couldn't remember a phone number from 6 or more years ago. Help me PLEASE
Product: Vehicle loan or lease

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Checking or savings account

I opened up a Wells Fargo checking account in 2017, and they kept charging me ridiculous fees, like overdraft ( Which I never did ) then they charged me a monthly fee for not having XXXX in deposits ( When they told me there was no monthly fees )
Product: Credit reporting, credit repair services, or other personal consumer reports

I found XXXX hard inquires on my credit reports opened XX/XX/2021 that I did not apply for, XXXX XXXX XXXX XXXXXXXX Discover XXXX. I think someone stole my information and attempted to open accounts in my name. I have contacted both XXXX XXXX and discover, they can not find the inquires and no XXXX will answer at XXXX XXXX XXXX XXXX  XXXX is sending me a letter with the information to call the company but I did not open any new accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date : XX/XX/2022 Dear XXXX XXXX XXXX l, First Name & Last Name, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. Account Name : Capital One Account Number : XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy. 
15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation XXXX. Account Name : Capital One Auto Account Number : XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy. 
15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation Sincerely, XXXX XXXX
Product: Mortgage

I was in forbearance from XX/XX/XXXX to XXXX XXXX XXXX due to pandemic. Since then I have not missed a payment. I contacted my mortgage company BSI Financial about a stand alone partial claim. They did not contact me back until XX/XX/XXXX. They gave me 2 new loan options and I chose one. It said my new loan would start on XX/XX/XXXX and when I recieved my statement nothing had changed. When I contacted the person in charge of my account they said the new loan would now start on XX/XX/XXXX. When I go online to look at my account information it says I can't view because my payments are overdue and is unable for viewing. Don't believe my new loan will start on XX/XX/XXXX and need help getting this rectified.
Product: Mortgage

My bank is charging me {$190.00} a month for PMI to insure they get paid. I pay the premiums. I asked to get it waived and they said I need to get an appraisel to see if the value is high enough. Surprise! The appraiser must be theirs and it costs another {$360.00}. It 's their appraiser and not an independent one that I could shop for. Unethical!
Product: Mortgage

Company : NewRez, Shellpoint put us in forbearance in XX/XX/XXXX. We did not request it. They said that they did it on their own behalf. On XX/XX/XXXX, we demanded that they take us out of forbearance, as we didnt ask to be in that state in the first place. We are current on our payments. 
We have now received a letter of LOSS MITIGATION. We have spoken to Padamore ( date XX/XX/XXXX ), XXXX ( date XX/XX/XXXX ), XXXX XXXX at ext XXXX ( date XX/XX/XXXX ). We are exhausted trying to get through on the phone ( Sorry, don't have other names ). Yesterday and today, we have been on the phone for hours and were told that we are still in forbearance and they will again try to take us out of it, but each time we call ... they don't. We are currently in the process of streamlining to another finance company because we don't trust them. Please help. We need to get this resolved, as soon as possible. We fear that they are trying to take our home. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint with XXXX XXXX XXXX to dispute a debt they say I owe them. In response from another company XXXX XXXX XXXX XXXX they tried to explain to me why I must pay them. They provided me a notification of a debt letter from another company. How should I dispute the validity of a debt if the company that I must call is not XXXX XXXX XXXX? I received no notification from XXXX that I must dispute validation with them. They violated the Fair Debt Collection Practices Act and I demand you to delete that account from my credit reports.
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid in full my statement balance of {$36.00} and then called Chase Customer Service Representative ( CSR ) to close my account. This closed account in XX/XX/XXXX was verified by XXXX credit report. XXXX months later, In XX/XX/XXXX, my already CLOSED Chase credit card account was charged with {$110.00} for XXXX XXXX XXXX XXXX XXXX that I did NOT purchase. Chase processed the {$110.00} to my already closed account. 

My husband who is an XXXX XXXX XXXX asked me to apply for XXXX XXXX XXXX XXXX account as it gives better benefits and services to XXXX XXXX and their dependents. As soon as I closed my Chase credit card account, I placed the Chase credit card in our shredder and got it shredded. Please be advised that the Chase representative confirmed my account has XXXX balance and has been closed. Again, this was documented in XXXX credit history. 

I believe that I am a victim of fraud in this situation and I am not sure and confused as to why Chase processed this fraudulent charge. Then, In XX/XX/XXXX, after the account closure for over two years, I was shocked to receive a collection letter from the XXXX XXXX. I spoke to many Chase CSRs ( ID # XXXX : XXXX, XXXX, XXXX, XXXX, and XXXX but they all failed to help me. CSR ID # XXXX divulged the charge was made in XX/XX/XXXX and provided me with the merchant name and telephone number. To my due diligence, I called the number XXXX provided by the Chase CSR, which was XXXX XXXX XXXX XXXX XXXX. I spoke to an XXXX XXXX XXXX XXXX XXXX representative named XXXX and her investigation revealed there was no record of the charge in XXXX XXXX XXXX XXXX XXXX. Additionally, I also filed a complaint to Federal Trade Commission XXXX with report # XXXX. 

There was no way for me to dispute the fraudulent charge then as it happened since I learned this fraudulent charge two ( 2 ) years passed after I received the collection letter. Chase did not provide me any statement/s ( they have my physical address ) so I am not sure how Chase expected me to know about the charge I did not make. I never visited the online site XX/XX/XXXX, the official closure of my account ( reflected in my XXXX report ). 

I really do appreciate your time and please give me guidance on how to proceed with this fraudulent charge. 

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

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On my ChexSystem report, there is an incorrect address. That incorrect address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX. 

I never lived in hte state of New Jersey, Also the account in question is " PAID OFF, '' there fore it should bot be reported in the first place. 

When I asked XXXX XXXX about this - XXXX XXXX sent me a letter stating that they have no knowledge of the mentioned account.
Product: Credit reporting, credit repair services, or other personal consumer reports

We rented a home from XXXX XXXX XXXX which we did a signed contract then renewed with XXXX XXXX and it went into default for {$1500.00} in XXXX of XXXX and we moved out. 7 Years later we now see Fair Collections for Invitation Homes ( which we never signed a contract with ) on our credit report for over {$2600.00} for this same address in default for XX/XX/XXXX which is ALL INACCURATE and should be removed completely. We are trying to get a bigger home for our terminally ill parent to live with us and this is causing so much strain to complete thjs process. We have contacted XXXXXXXX XXXX directly and they have responded stating their accounting department says we have to go through Fair Collections which has been very unsuccessful to say the least. They too agree the dates are not correct.
Product: Debt collection

I have tried to contact debt collector, the phone number doesnt working its a recording, I am not able to speak to a live representative to inquire about this unknown debt
Product: Debt collection

In XXXX I took out two payday loans with XXXX Loans. At some point I defaulted on the loans and XXXX garnished my wages to fulfill the remaining balance of the loans. I received my original contracts back from XXXX stamped paid in full. On XX/XX/XXXX Douglas Chancellor Meyers, a debt collection company, listed a new item on my credit report for {$140.00} with the original creditor listed as XXXX loans. I called XXXX and they stated that all of my loans were paid in full and I needed to contact Douglas Chancellor Meyers to have the item removed. As of XX/XX/XXXX, I have never received a phone call or letter notifying me of this debt or my ability to dispute it. On XX/XX/XXXX I sent a certified letter to Douglas Chancellor Meyers disputing this debt, and requesting proof of the debt owed. As of today, XX/XX/XXXX, I have not received an acknowledgement of receipt of the letter, nor the documentation requested. Meanwhile the debt is continuing to be reported to the credit bureau with the last reporting on XX/XX/XXXX. This is lowering my credit score, and for a debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I submitted my FTC paperwork along with a letter and proof of identity. This issue has still not been resolved. There is still multiple items that are fraudulent still being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

good morning, I have already filed a complaint with Hyundai motor finance back in XXXX ... with the matter of a lease i paid off, to buy another new car .... 
this is XXXX, and XXXX credit bureau is still reporting this paid lease on my credit report and has been for some years now... i have reached out to XXXX to try and clear up several times online with disputes on this closed and paid account!!!! 
The complaint i have is, ,everytime a complaint is filed they keep lowering my credit score, now this has been going on for years now .... 
They have lowered my credit score over 180 points in the last 5 to 6 years now ... .when is this going to stop or end... 
I either paid this lease off or it was charged off back in XXXX..my balance is XXXX either way... it has been several years now since i leased this vehicle in XXXX... 
How do i regain my credit score back with XXXX and finally get hyundai motor finance to stop reporting on this account as it keeps reporting on my credit report???
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and 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. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) 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 shalli ) 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 KINUM INC
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 asking Experian, XXXX and XXXX to investigate an account that is reporting on my consumer credit report that is not mine. It has been over 30 days and these consumer reporting agencies are in violation. 

According to 15 USC 1681i : Experian, XXXX, and XXXX have 30 days to investigate and send me the results. They did not even record the current status of the disputed information which is another violation. 

So in general to sub-section F and extent as provided in sub-section G if the completeness or accuracy of any item of information contained in the consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute that agencies shall free of charge conduct at a reasonable reinvestigation to determine whether the disputed info is accurate and the record the current status of the disputed information or delete the item from the file in accordance with paragraph 5 before the end of the 30-days beginning on the date in which the agency receives the notice of dispute from consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my child.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Amount 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
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX XXXX XXXX referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Within Grace Period : The payment reported as late for XX/XX/XXXX was made within the 15-day grace period allowed by my creditor and should not have been recorded as a late payment. 
Clerical Error : There appears to have been a clerical error in how the payment was processed by XXXX XXXX XXXX, leading to the incorrect reporting of a 30-day late payment. 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payment was made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit reports from XXXX XXXX on XX/XX/2025, and discovered multiple inaccuracies across Experian, XXXX, and XXXX. I disputed these errors, but the credit bureaus failed to properly investigate and correct them, violating FCRA 1681i. 

The following issues were identified on my credit report : My reports contain unauthorized variations of my name, address, and date of birth, which remain uncorrected despite formal disputes. My report includes inquiries without proof of permissible purpose, violating FCRA 1681b. These include : Experian : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Accounts such as XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. ), and XXXX XXXX XXXX XXXX are inaccurately reported with mismatched account numbers, balances, and statuses across bureaus, violating XXXX XXXX compliance standards. The credit bureaus failed to provide verification or supporting documentation from furnishers and continue to report inaccurate and unverifiable information.
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX I CALLED XXXX AN REPORTED THAT MY XXXX LOANS ARE PAID IN FULL, I WAS ADVISED TO UPLOAD A COPY OF M CREDIT REPORT SHOWING THE LOANS STILL SHOWED A OUTSTANDIN BALANCE, I WAS ALSO INFORMED BY THE CUSTOMER SERVICE REP THAT MY LOANS HASNT BEEN REPORT TO THE CREDIT BUREAUS SINCE XX/XX/2023. I LATER RECIEVED A LETTER FROM XXXX STATING THEY DID AN INVESTIGATION AND THEY VEFIED THE INFORAMTION WAS ACCURRATE. IM ASSUMING THE INVESTIGTION WASNT PROPERLY CONSIDERED AND WAS UPDATED BY A COMPUTER INSTAED OF A PERSON. BECAUSE THE RESULTS WOULDVE BEEN DIFFERENT.