23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name is XXXX XXXX. I am a XXXX XXXX. For the last 6 months I have been trying to buy out the reverse mortgage my mother had on the house. The address is : XXXX XXXX XXXX, XXXX TX XXXX. Here 's just a little background. 

Starting about XXXX Mom was is very bad health with XXXX and other issues. She went into the hospital 3 times when a XXXX ( that she was prone to ) went XXXX. This had us on an emotional roller coaster as each time it happened it was a little worse. The second time she was in an induced come for 6 weeks and in the hospital for 12. The third time she never recovered. She passed away shortly after XXXX of last year. Myself, my sister, and my brother in California were labelled as executors on the will. 

Here 's the situation. I've been working with XXXX XXXX XXXX and XXXX XXXX to get financing to pay off Mom 's reverse mortgage with XXXX XXXX and take ownership of the house. I planned on living there as it is close to my sister. I had planned on moving there from XXXX XXXX for years. I had to move into the house since my apartment complex will not do a month to month lease. For the last 6 months I've been providing XXXX 's XXXX with all the documentation they required. I've had the foundation repaired and the fence replaced. I spent {$1000.00} on plumbing. All together, I've spent over $ XXXX XXXX dollars getting to this point. I've also payed for a Survey and inspections. We were supposed to sign the closing paperwork Tuesday XX/XX/XXXX. I received a call saying that somehow my name got on the title without my consent. This is news to me because I am not aware of a Transfer on Death Deed. I have also not signed anything that would give me ownership. 

What XXXX 's XXXX told me that due to a Texas Law they could no longer finance me. As you can imagine, I was shocked, disappointed, and discouraged. I called XXXX XXXX and they said that they could not either. I think they mentioned a lien against the house. I am not really sure because I was still in shock at the time from the news. If there is, it would probably be by the reverse mortgage company XXXX XXXX. I'm just not sure. Right now I just do not know what to do. I'm working with XXXX XXXX, but it's hard to be positive since XXXX XXXX  said they couldn't help. 

I'm really angry because I did everything that they asked of me. Now someone illegally has gone in and just before closing ( and thousands of dollars later ) crushed my hopes of getting into this house. To my understanding of the Law, no one can force me to accept property without my consent short of a Transfer on Death Deed of which there was not one. I am looking for help.
Product: Debt collection

I was contacted by Ability Recovery Services over the last three months and they have already listed a " Collection '' with my credit agencies hurting my credit score.

I have-on every occasion- asked them to provide me proof that this debt is mine... they refuse to do it. 
I wrote a letter to them sent it certified return receipt wherein I requested information on the original creditor : name, address, account number. If the debt started with another creditor their name address and account number and the date the debt was transferred. 
I asked for a copy of the original contract between me and the original creditor to prove it's a valid debt ... .the date this debt became delinquent and an itemized payment history, I asked if any fees have been added I asked if they they had a debt collector license in Georgia and if so provide the name on the license and the license number plus the name of the state agency that granted the license. 
I told them that I dispute the debt. 
They received the letter on XXXX and acknowledged such but told me they did not have to provide me with anything! 
They refuse to show the collections reported to the bureaus as being in dispute.
Product: Mortgage

XXXX XXXX made promises to me in XX/XX/2022 that my loan would be for XXXX cash out and take about 2 months. XXXX made the samXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX made the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX from XXXX to XXXX. 

I thought my loan had started, I gave XXXX every piece of document he used in the loan by XX/XX/XXXX. However, XXXX said he needed my certificate of occupancy to go forward. He needed that in order to make the appraisal work for the loan. So he lied to me to make sure that he increased my interest rates XXXX % for the entire loan. 

XXXX also said I did not qualify for a home equity because XXXX XXXX is qualifying for a home equity anymore since covid ''. the qualifications have changed, you don't qualify. But that was also a lie so he could refi the entire amount of the loan he did a year an half earlier. 

How is that the Alameda Mortgage standard of care that XXXX XXXX the board of XXXX agrees with and says its a competitive loan??? Its fraud!!! The claim at the California Department XXXX Financial Protection and XXXX is the same as the one here. please answer my question, why is this ok>? >?
Product: Credit reporting, credit repair services, or other personal consumer reports

the following inquires were not authorized sent letter out on XX/XX/XXXX never got a response back from the bureaus, XXXX, experian, or XXXX. 


1. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12.The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13.The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

I receive notification from court that I was being sued for credit card debt that was purchased by collection agency. They said that I bought sent over {$3000.00} at Zales for earrings. I did have a Zales credit card but I never used it and assumed the account was closed. I sent in a response back in 2020 that I disputed the debt and never heard anything back. I also disputed the debt on my credit report and it was removed. In XXXX of this year I received a notification from my job about possible garnishments. Apparently, there have been multiple hearings that I was not notified about to be able to defend my side. When I contacted the collection agency, they keep saying they are gon na send me information from the Zales but all they sent was a statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with a Experian on XX/XX/XXXX on XXXX XXXX XXXX, Account # XXXX. They stated it was verified and updated but they didnt actually verify it. There has been no date of status since XX/XX/XXXX which means the account was never investigated. This is violations of FCRA and FDCPA and it needs to be deleted immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 41. financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


8. The following personal information is incorrect Account Number : EMPLOYER : XXXX
Product: Credit reporting or other personal consumer reports

the IRS sent me two letters saying I owed back taxes in the amount of XXXX dollars between the years XXXX to XXXX. I informed them that it's false because I have not worked in over 10 years. I currently receive VA compensation and that is federal money and is exempt from taxes. I have been receiving this for over 10 years. I reported the IRS to my state congressman, and the IRS dropped the case informing me that someone has stolen my identity in an official document. I informed TransUnion that I was the victim of identity theft and that I wanted 4 accounts removed. The disputes came back as verified accounts belong to me.
Product: Credit card or prepaid card

Payment never late. The amount paid was incorrect by a few dollars, because of an error when paying. I was out of town and my wife made the payment ; she accidentally made the payment for a nominal amount lower than what was due. 
When the error was discovered, it was corrected immediately. Never late before or since. 
GAAP and SEC rules state that Capital One can correct this, just as I did upon learning the amount was wrong, and update my credit report to say never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has no record of any credit activity at all, and can not pull up my information, despite years of credit history existing. 

I initially applied for a home loan and was informed by the bank that it appeared I had a credit freeze on Equifax. 

I then called Equifax customer service the first time on XX/XX/2020 to inquire. I was informed that I needed to submit in writing a letter to their fraud department. This letter was to contain a copy of my drivers license and social security card with a brief description of the problem. I complied and submitted the letter as required. 

On XX/XX/2020 I received a rather unhelpful response back by letter which I have attached. Stating mainly that they do not have a credit file for me currently. 

That same day I called their customer service for the second time to inquire how that is possible considering I have numerous creditors that supposedly report to all three major credit agencies. I have years of accurate credit history showing with both XXXX  and XXXX. 

They simply told me the computer is pulling nothing up and suggested I call my creditors and have them resubmit the information. 

I called XXXX XXXX that same day on XX/XX/XXXX and they suggested I submit a complaint and offered to submit one on their behalf. 


Essentially Equifax has no record of any credit history and the issue is not being resolved. It is inhibiting my ability to purchase a home.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Credit card

I had a bankruptcy and had a judgement taken care of within the BK, now Bank of America is refusing to release the lien they placed against my house for this judgment.
Product: Checking or savings account

I HAVE BEEN A VICTIM OF IDENTITY THEFT, I NEED MY REPORT TO STOP REPORTING INACCURATE INFORMATION. ALL ITEMS ON MY REPORT NEED TO BE INVESTIGATED AND UNREPORTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original mortgage was with America 's Servicing Company. Wells Fargo assumed my mortgage. Prior to the transition I applied for a Hamp modification which took 3 months. During that time ASC reported me as being 60 days late which was incorrectly reported to the 3 credit bureaus. Additionally, after Wells Fargo assumed my mortgage and I was paying them direct, America 's Servicing Company continued to report me as being late on my old mortgage account/loan number. They have double dipped and incorrectly reported negative hits to my credit report.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run XXXX XXXX, XXXX which involved me making deposits for a total amount of XXXX USD from my JPMorgan Chase Bank account to fraudulent investment firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for over a year to get someone to help me regarding removing this inaccurate information from my credit reports. I have a Bankruptcy on my XXXX, Experian and XXXX credit reports that was dismissed and never discharged because I never went to court for the judgement because I found a job before I had to file bankruptcy so I withdrew my request for the court to begin an active bankruptcy. I have written letters to Tennessee Bankruptcy Court numerous times only for them to not answer my certified mail even after I paid for them an envelope to send me the information to be corrected. All 3 credit bureaus claim to have verified the information with Tennessee Bankruotcy Court but no one has sent me proof or contract or court documents of an active bankruptcy because one simply does not exist. All copies of the letters that I sent and dates are attached for proof. Please I am begging to remove this inaccuracy from my credit report. I do not wish to file court proceedings against XXXX, Experian, and XXXX  for reporting inaccurate information that is a violation of my rights as a consumer. Please remove Bankruptcy from my credit report within 15 days according to FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Ss # XXXX XXXX : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by XXXX XXXX XXXX XXXX  XXXX, CO XXXX I contacted XXXX XXXX XXXX XXXX  XXXX, CO XXXX asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed documents to XXXX and am writing because my credit report is not accurate, I have attached my birth certificate, ssn, and a recent police report number from a incident in which I was almost killed, but thankfully Im still alive. Your records have revealed to companies Im deceased and this is untrue. 
Under Missouri state law I am also entitled to one free report a year if you are unemployed and plan to look for a job within 60 days, you are on welfare, or your report is inaccurate because of fraud. I have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a file, knowingly misuses file data, or fails to correct inaccurate file data. 
As you are aware I have made numerous attempts to get you to correct my credit report. Your records stating Im deceased has caused a delay in income tax services, among other things and has harmed me severely financially.
Product: Credit card or prepaid card

Received on XX/XX/2023 a prepaid card from Chime including my name and an account number I did not request or inquire.They encourage activation for the purpose of direct deposit. I am not currently employed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a hard inquiry on my credit report around the dates on XX/XX/2018-XX/XX/2018. I did not to my knowledge apply for anything that would warrant this enquiry. I would like more information on who performed enquiry and have it removed from my report. 

Thanks
Product: Credit card or prepaid card

in early XXXX of 2019 i applied for a XXXX XXXX walmart credit card based largely on a promotion which was running. the conditions were to make a first time purchase of over XXXX $ and you would be given a XXXX $ cash reward. i satisfied my conditions of the promotion on XXXX. 


several months went by and i had not seen the XXXX $ credit so i called XXXX. i was told there was an issue with the conditions of promotion and after my explanation i was offered an apology as well as an update ; in a couple months i would observe the XXXX statement credit. 


more months passed and walmart chose to align with capitalone. i have since spent over XXXX minutes trying to resolve this with, walmart, XXXX and capitalone to no avail. XXXX  claims they no longer have access to my account information as they surrendered it to capitalone. capitalone says they do not know the terms of the promotion as it was not their own and they are unable to pay it out for the same reason. 
wal-mart told me they were aware of the problem and that i am not alone. 


people need to be held accountable for this fraudulent activity as if the shoes were reversed my credit card score would suffer.
Product: Prepaid card

I purchased 2 cards with a {$500.00} balance on each card in XX/XX/XXXX  and within 48 hours the cards were compromised with charges being made to the card without opening the package. I reported the problem and was informed to visit the company website to submit documentation that I have the cards in my possession. Once they received the information via their website, they sent new cards and I received replacement cards and within 48 hours of receipt of the new cards, they were compromised again. 

I was informed by their customer service team to begin the process again, but now their website has not been operational for many weeks. They have stated they are aware of the issue and the only way I can submit my information is via fax. I have submitted the information multiple times via fax and they claim to not be able to read the information despite my confirmation documentation of the faxes being very clearly eligible.
Product: Credit reporting or other personal consumer reports

Ive sent documentation to each credit agency XXXX, Experian, and XXXX far as these unauthorized hard inquiries on my credit report. Ive been contacting Experian each day since XXXX XXXX Im Unable to speak with someone each time I call Im on hold for more than XXXX minutes. Ive contacted them numerous of times unlike XXXX, and XXXX Im able to Speak with someone. Experian isnt taking this matter seriously Ive sent them my complaint, along with my ftc report, with my identification such as my drivers license and social security card. Ive spoke with someone XXXX XXXX at XXXX XXXX  he answered and stated they are closed they will contact tomorrow after being on hold For XXXX minutes this is continuous behavior Im not sure how would I speak to someone at Experian. 
These UNAUTHORIZED HARD INQUIRIES MUST BE REMOVED ACCORDING TO THE FCRA UNAUTHORIZED HARD INQUIRES MUST BE REMOVED. 

XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been reporting inaccurate information to credit reporting agencies, in regards to my Mortgage account. This issue has caused me troubles trying to refinance my mortgage for a better rate. They have been reportinting illegally 120 days late for XX/XX/XXXX and XX/XX/XXXX and inaccurate amount of the loan for more than {$50000.00} in excess. I have tried to solve this problem directly with them but They haven't corrected such information.