23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had a loan that was used as a refinance a long time ago. The loan was dissolved as a part of a mortgage company that wrote off the loan with the IRS as a tax deduction. Mr. Cooper got ahold of remnants of the document and instead of ceasing the payments pursued the collection on a new loan number. I signed no new loan and I have no idea what the loan is or what the terms may be. The Title insurance company told me there are no entries to the county documents where XXXX or Mr Cooper are lien holders or have any other attachments to the property. She stated the old loan was dissolved and removed from public record. I have a letter and printed proof that they have no interest in the property. I have no idea where they got the new loan number. The IRS sent me a letter to pay taxes on income from the property and I had to send them proof that I am paying Mr Cooper. The IRS agent told me there are no records stating that the loan exists, however I am off the hook. I started this XXXX years ago and the CFPB agent told he could not pursue it due to the Mr Cooper pending case that resulted in a {$94.00} XXXX dollar settlement. I am still getting charged on this ghost loan and some of the Mr Cooper employees are just getting put in XXXX as a result of my reports to the IRS and the FBI. Who can stop the payments and threats against my credit? I have a list of the payments and it is approaching about {$150000.00}. Can I get my money back? I have documents if you need copies of them. Thank you.
Product: Credit reporting or other personal consumer reports

Ive been filling disputes with Experian for a while now. I see there being sued for not properly investigating debt and reporting it. Therefore I would like them to reinvestigate my credit to file and delete anything that wasnt handled properly
Product: Debt collection

Aldous & Associates im unware of this debt i did not have tje oppurtunity to dispute this information if in fact you believe you gave proper notication plezsr send me the certified mail with my signatuer on it sign stating i receive it. and furhish proof that you are license and bonded to collect a debt i donnt believe you can collect in tje state of New York
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM IN NEED OF RECEIVING AND REPORTING SUSPECTED FRAUD OR MISUSE OR ABUSE OF AND THEFT OF MY SON 'S SOCIAL SECURITY NUMBER AND THUS, CREDIT STATUS. 

THE SOCIAL SECURITY CARD WAS STOLEN XX/XX/2012. 

MY SON IS XXXX YEARS OLD AND HIS BIOLOGICAL FATHER WAS LAST IN THE ROOM WHERE THE VITAL RECORDS AND MY WALLET ( INCLUDING MY SON 'S SOCIAL SECURITY CARD ) HAD BEEN PHYSICALLY PUT AWAY ON MY DESK AND IN BACKPACK ... .WHILE FATHER VISITED WITH MY SON ALONE AS A COURTESY FROM ME AND OUR VISITATION ORDERS AFTER FIVE + HOURS, THE WALLET AND RECORDS WERE NO LONGER LOCATED. 

I WAS LED TO BELIEVE I HAD GIVEN FATHER COPIES OF RECORDS, ETC, HOWEVER, I WAS NOT GOING TO ARGUE OR BRING UP THEFT DUE TO XXXX POTENTIAL. 

WITH FULL TIME WORKING AND PART TIME SCHOOLING I SOUGHT AND OBTAINED REPLACEMENT CARDS AND RECORDS WITH THESE REPLACEMENTS BEING INCORRECT NAMES FOR MY SON AND I BOTH. 

I AM CURRENTLY AS OF TODAY REPLACING MY SONS AND MINE SOCIAL SECURITY CARDS AND REPORTING PASSPORT STOLEN. I AM NOT POLICE REPORTING AS I HAVE EXHAUSTED MY TIME AT POLICE STATION WITH REPORTS OF ABUSE, XXXX XXXX, AND HAVE EXHAUSTED LAWYER CASE MANAGED COURT CUSTODY HEARINGS IN XXXX COUNTY TEXAS FOR AND AWARDED WITH SOLE CUSTODY OF MY SON. 

XXXX XXXX HAS RECORD OF THEFT AND XXXX AND XXXX XXXX. 
HAS BEEN KNOWN TO HARASS ME WITH PHONE CALLS, THUS, I SEEK A SIMPLE EASY SOLUTION INTO OBTAINING A REPORT FOR MY SON 'S CREDIT
Product: Checking or savings account

I have a checking account with Axos Bank that I have had since the summer of 2022. For the last month I have tried to contact their customer service hotline because I could not retrieve my password. Everytime, I have called Axos during their business hours I have been on hold for more than an hour without anyone ever picking up. The only way I can get my password retrieved is through getting in touch with a customer service representative, so my account has been locked for more than a month now. I have called and left them a message as of today, but I have not received a response yet. I need access to my account as soon as possible, and it is ridiculous that I have not been able to get in touch with someone from this bank for a month, so I don't know what my funds look like at all. I just need my password retrieved so I can access my online banking, and then I will be leaving Axos Bank. Thank you.
Product: Credit card or prepaid card

So I opened a Chase XXXX Rewards Credit Card with high Available credit and had to spend {$5000.00} in 3 months to be able to get XXXX points for XXXX. So we took a vacation spent and spent about {$3500.00} on the first month than they just up and close the account the next month of the opening Credit Card. My Credit had no changes or any new derogatory marks beside actually going up a couple points. They said it was risk factors but the risk factors that they said proclaimed where there when I opened. Now I just spent XXXX dollars on a Credit Card to get rewards that I really did not need to do. I feel like it was some kind of bait and switched tactics and now my credit just to a hit Down 15 points because of them closing the account. Why on earth why they open an account and then just close it down the next month it makes no sense and since credit is so important these days I feel like they are just messing with people lives in this situation and needs to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

wrong amount on my credit cards
Product: Credit reporting

Some one has stole my SSN and used it as well used the last name XXXX and it 's XXXX. There was credit cards and other charged accounts that I did not know about as well.
Product: Credit reporting or other personal consumer reports

Target credit card services reported a 30 days late payment for the month of XX/XX/XXXX. The payment due date was XX/XX/XXXX. I made a payment on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I Register with MyEquifax online on Tuesday XXXX XXXX at XXXX. I noticed that FRAUDULENT ACCOUNTS that I have reported to the police months ago & I sent Equifax the police report which Equifax has added on file. Were previously Equifax DELETE OFF MY Credit Report due to Equifax investigating the accounts and finding them to be Fraudulent. The Accounts are Now Showing As CLOSED/CHARGER OFF.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the reporting of child support account # OAG ID XXXX on my credit report. I am XXXX XXXX, and I have reviewed my credit report and found that the reporting of this account is inaccurate and is negatively impacting my creditworthiness. 

I understand the importance of paying child support and fulfilling my obligations as a parent. However, I have fulfilled my obligations in a timely and responsible manner. I have never been delinquent on any child support payments, and there is no reason for this account to be reported as negative. 

The inaccurate reporting of this account is affecting my ability to obtain a home. I have applied for a mortgage, and my application was denied due to the negative reporting of this account. I am concerned that this inaccurate reporting will continue to impact my ability to obtain credit and loans in the future. 

Therefore, I request that you remove child support account # OAG ID XXXX from my credit report. I have attached documentation that supports my claim of accuracy, and I kindly ask that you review this information and take appropriate action to remove this account from my credit report. 

Thank you for your prompt attention to this matter. Please let me know if you require any further information from me. 

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

I have reached out to XXXX, XXXX, XXXX, and experian on multiple occasions to investigate the incorrect reporting of this account and each account. This account is not reporting 100 % accurately and has multiple violations in the reporting. Each time I receive letters saying that this is verified and that the debt is validated ... how is that possible if the reporting is totally inaccurate ... .They did not conduct a proper investigation and they are in violation..I am XXXX ... I will be filing a complaint with the state attorney general if this is not removed immediately ... .see attached report and see below for some of the violations that my untrained eyes see ... someone should be holding these companies accountable to follow the law and guidelines that they are supposed to follow. This account is charged off and sold to a collection agency but reporting
a balance of {$2100.00} this is a violation they are reporting a credit limit on a charged off account. this is a violation they are reporting 2 different high credit limits this is a violation they are reporting a past due balance on an account they sold to a collection agency and charged off ... this is a violation they are reporting 3 different dates of last active. this is a violation ... this account has been re aged the 2 year payment history is definitely a violation ... they are reporting a new charge off each month and this is killing my score ....
Product: Credit reporting, credit repair services, or other personal consumer reports

i got in the mail a letter from Experian that i had requested a security alert to be put on my credit report on XX/XX/2019. I did nothing of the sort. I did not make this request to have this alert put on my credit report. Attempting to get in touch with them regarding this is almost impossible because they provided no phone number to contact them. Now having found the correct number and discussing this issue with them they are saying that i must provide documentation to them to have the alert removed. I have missed several phone calls for my work while trying to clear this matter up. Experian can not just a will throw alerts on then ask me to send them personal information. 

Supervisor : XXXX Team Name : XXXX Location : XXXX XXXX Representative : XXXX Location : Arkansas Neither were willing to remove this alert that Experian put on themselves without my consent. This is not a burden that i should have to take on. I want this resolved immediately and i want to know when it is done and what will be done to those employees who would not correct the error made by Experian. 

Thanks XXXX XXXX
Product: Credit reporting 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 this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

My Fiance and I have been having medical issues for the past 45 days where we have had to go see multiple doctors and specialists. Along with medical issues we had to move 30 days ago and we did not receive a bill from the collector with the  XXXX  due date.I received an email on  XXXX / XXXX / 2017  from  XXXX  stating that a 30 day late notice was reported on my credit report and lowered m y credit score  by  XXXX  points. I contacted the creditor at  XXXX  PST this morning  XXXX / XXXX /   2017  and was advised I needed to speak with the collection department. I spoke with a  XXXX  and I advised her of the situation, how I 've been repairing my credit so I can purchase my first home and asked if they would extend me a goodwill courtesy of removing the 30 day late notice. I advised that I would even pay the account in full since the payment was n't missed due to a financial hardship rather I was unaware of the due date. She advised my request would be denied. I feel despite having a reasonable case the creditor is acting unreasonable.
Product: Mortgage

I have a 2nd mortgage with a {$31000.00} balloon payment that was due last XXXX. I was unable to secure financing because my XXXX mortgage was in forbearance. My lender SLS didnt offer me any options to additional financing or paying till I find financing. I continued to make the payments until XXXX when SLS refused to accept payments and terminated my automatic payment withdrawal from my checking account. A month later I started getting collection notices and calls, also someone there referred me to a HUD program that Ive had trouble fitting my situation into. Concurrently I was able to end the forbearance with the XXXX mortgage in XXXX with a new agreement with XXXX XXXX. While I was clearing forbearance from my credit report SLS started reporting the delinquent payments. 

Now here I am my credit score has dropped XXXX points and no one will lend me the money I need nor will they refinance my mortgage. Ive tried to use the Hud assistance I was referred to by the lender. I get collection and foreclosure notices on one call then I call and get referred to an agency and more forms. Im bombarded with calls with lenders who cant loan me money. I have the means to pay my mortgage like Ive done for the last XXXX  years. SLS has destroyed my credit can they now somehow take my property? Im caught in the middle with nowhere to go. If they would clear the late payments from my credit report I can get a new loan ( since Im no longer in forbearance ) or they could accept my payments and it would be paid off in time. Why are they doing this to me? Can anybody help?
Product: Checking or savings account

On XX/XX/2021. Wells Fargo bank charger my account for a transaction that I did not authorize. It was listed on my account as XXXX XXXX XXXX XXXXXXXX. I spoke to 5 different people whom I didnt receive any information from nor did my issue get resolved. 

I have 3 claim # s that I received XXXX XXXX. XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They have informed me that they verified the accounts listed below : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX However, they didnt give me any verifiable proof ( have my signature inside ) to prove that these accounts belong to me.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX received a bill by email for normal wear and tear of a rental property ( carpet, tub re-glaze, and toilet paper holder ). XXXX XXXX emailed back and forth with the billing office several times and they refused to remove the charges. They then sent the bill to Genesis collections agency. I, XXXX XXXX, was contacted by email by Genesis collection agency on XX/XX/XXXX. I sent certified mail to have them validate the debt on XX/XX/XXXX, in which I asked for the following : The Notice of Assignment The Deed of Assignment The original executed agreement A full statement of account Documentation showing that you are licensed to collect debts in Virginia Documentation that you have verified that I am responsible for this debt or a copy of any default notice/judgment Any signed agreements where I have stated that I am responsible for this debt. 
On XX/XX/XXXX Genesis mailed a billing statement for XXXX XXXX that the charges were for carpet, tub re-glaze and a toilet paper holder with only XXXX pages of a lease that expired on XX/XX/XXXX. The XXXX pages did not state that a tenant is responsible for normal wear and tear of a rental unit. To which I replied by certified mail on XX/XX/XXXX that the bill is not for XXXX XXXX and the charges are for normal wear and tear of a rental property bound by laws of the state of Virginia. I received an email on XX/XX/XXXX with the billing amount that they are saying is owed. These charges are an attempt at extortion and are illegal in the state of Virginia.
Product: Debt collection

In XXXX, XXXX XXXX and XXXX XXXX fraudulently opened a student loan with Sallie Mae for {$25000.00} using my Social Security number without my consent. XXXX XXXX passed away in XXXX due to XXXX, and XXXX XXXX XXXX now an adult. I was made a co-signer for this loan and only became aware of it in XXXX when XXXX began missing payments. Despite XXXX only paying interest and not the principal, XX/XX/XXXX refinanced his debt. 

I have attempted to contact XXXX for repayment, but he has blocked all communication and is currently residing in XXXX XXXX, where U.S. laws do not apply. I contactedXX/XX/XXXX, who advised me to file a police report, which I did. I was a victim of fraud perpetrated by XXXX XXXX, and the police have documented this case as fraudulent. 

Despite this, I recently received a letter from XX/XX/XXXX stating that I am responsible for over {$37000.00}, even though I have provided documentation of the police report. I have pressed charges against XXXX XXXX, and I firmly refuse to pay this amount as I am a victim of fraud. 

I have provided XX/XX/XXXX with XXXX XXXX 's contact information, and it is their responsibility to pursue action against him. They have his Social Security number. 

XXXX XXXXXX/XX/XXXX contact information : Phone : XXXX Email : XXXX The police officer handling the case : Detective XXXX Case # XXXX Phone : XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX, MD
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. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX  XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX 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.

I have filed a police report which is attached as well as submitted a complaint with the FTC about the fraudulet accounts.
Product: Checking or savings account

Either Wells Fargo or some other private individual has opened a fake checking or savings account in my name. The only reason I came to know about it was when a PIN for a debit card was mailed to my address. 

I do not have the account number for this fake account opened or the debit card. I do have a closed mortgage account. When I log in with the credentials for this closed mortgage account, I can see in the bank communications portal that a debit card was mailed to my old address where I resided in XXXX and prior ( debit card was mailed in XX/XX/XXXX ). Then another message says another debit card was mailed to my current residence in XX/XX/XXXX. That wasnt received either. Only a PIN mailer was received. 

Upon calling Wells Fargo customer service, the phone banking system prompts multiple times to enter an account number ( which I do not have ) and doesnt let one to speak to a customer service representative. Then after a long delay I was able to get to a customer service person. That person refused to help me and gave me an XXXX number to call to handle this complaint. Upon calling that number, I spoke with the representative and explained the situation to her. She put me on hold for a long time and never came back. After about 15 minutes or so, I hung up. No attempts were made by Wells Fargo to call me back. 

At this point I do not know how to resolve this issue after multiple failed attempts to bring this issue to the bank 's attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Consumer Loan

i took out a loan of XXXX $ from green trust cash. i paid XXXX XXXX after looking at the contract more closely i realized that if i made the minimum payment i would pay more than XXXX $ in total. that is absolutely rediculous. This must be illegal?
Product: Debt collection

Subject : Formal Complaint Against Santander Consumer USA for Unlawful Repossession and Assault Incident To Whom It May Concern, I am submitting this formal complaint regarding a deeply troubling incident that occurred on XX/XX/year>, involving an unlawful repossession by Santander Consumer USA. During this incident, a tow truck driver, acting on behalf of Santander, entered my property and assaulted me in my own backyard in front of my XXXX XXXX XXXX son. I was assaulted on my own property by a tow truck driver, XXXX XXXX. Following the assault, XXXX XXXX made a false report to the police, accusing me of assaulting him a blatant lie aimed at covering his own actions. XXXX XXXX has a history of violent behavior and currently has an active warrant for his arrest for prior assaults. It is deeply concerning that I am now facing charges based on false statements made by someone with a documented history of aggression and criminal behavior. This violent and traumatic encounter has caused me significant emotional distress and left me feeling unsafe on my own property. 
Following this assault, I have made numerous attempts to contact Santander to address this matter. However, over the past XXXX months, my emails and calls have been ignored or met with vague, noncommittal responses. The lack of professionalism and communication from both parties has been unacceptable. 
As a consumer, I have the right to be treated with dignity, respect, and transparency. Instead, I have been met with silence, delays, and evasive tactics that have only exacerbated my frustration and sense of injustice. 
I am demanding immediate accountability from Santander for the assault I endured and for the unlawful repossession of my vehicle. Their failure to provide a timely and satisfactory response demonstrates a complete disregard for my rights and the law. 
I respectfully urge the CFPB to investigate this matter thoroughly and take swift action to ensure that Santander and their representatives are held accountable for their misconduct. No consumer should have to endure such treatment, and I am determined to see that justice is served. 
Thank you for your attention to this serious matter. I look forward to your prompt response and to a resolution that reflects fairness and accountability. 
Sincerely, XXXX XXXX