23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

1. The first complaint that I have is that I requested a loan modification XX/XX/2015 because I was unable to make my payments at the current rate and I was approved. I followed everything I was supposed to do according to the verbal conversation I had with the representative. After I mailed the 4th payment I received a letter telling me the loan mod was cancelled because I had not sent back the paperwork. I called and asked what paperwork they said the modification agreement. When I requested them to send it back out so I could sign it, their response was no we will not send the paperwork again, we are returning the last ( 4th ) payment made and to not make any other payments at the modification amount, and to contact a HUD agent. 
2. After working with a HUD agent for the last 6 months, we have been offered a new loan modification agreement. This modification agreement has worse terms that the last one. Examples of these terms are the interest rate and the length of the modification. 
A. I was told the 11.9 % interest rate would go to 5.57 % for 5 years and then would increase by 1 % until it reached the cap, which is current market interest rate. This was in the preliminary loan mod paperwork. Which my HUD agent and I called to get verification on so we could make an informed decision before sending in the {$1500.00} payment required to start the modification process. However when I received the paperwork to sign and send it back it said the rate was 6.232 % and after the 24 months it would go up it would back to the 11.9 % interest rate. 
B. This new modification is for only 24 months not a permanent resolution to the problem. The last loan mod was a permanent fixed modification. 
3. The new loan modification paperwork I have received says that the balloon payment is no longer required but is unclear if it will come due at the end of the 24 month modification or the end of the loan or if it completely gone. All of these answers have been given to us by several " mortgaging specialists '' at HSBC when we have called to get clarification and none of these answer are put into writing give confirmation of what answer is the correct answer. 
4. Deferred Interest : In the modification agreement I received it claims over XXXX dollars in deferred interest. When asked about this we were not given answer on who authorized and agreed to this. I was told on the Phone with my HUD agent present the last deferment was made in XXXX 2015, which I had no knowledge of, did not ask for at the time, and was not notified of the deferment. HSBC took it upon themselves to do what they wanted without consulting or notifying me about this. 
5. Then all on the same day, my HUD agent was notified I was approved for the loan modification, I was sent the preliminary paper stating that I need to mail the XXXX payment to start the modification process, and they filed for foreclosure.
Product: Credit reporting or other personal consumer reports

My information was unlawfully leaked during the data breach and I want my entire profile swept clean & all address that are not mine that are in my profile removed as well
Product: Debt collection

On XXXX XXXX, I received a phone call from Nelson Cruz and Associates, advising that if I do n't pay taxes on an old debt that was written off over 7 years ago, that they would garnish my social security wages and freeze my credit cards and bank account. They represented themselves as being associated with the IRS. The total they were looking to receive was {$1700.00}. I was not home at the time of the phone call, so I called them back and they started threatening me. I was not going to pay them, since the initial debt was written off, but they kept calling and harassing me to the point that I gave them a credit card to pay this debt. When I realized what I had done and that this was a scam, I called my bank ( XXXX ) to put a stop on the payment, and they froze the account. They later unfroze the account and made payment because they found out that I had unwittingly given them my account information. I spoke to XXXX Bank fraud department and they told me that I was not informed of my right to cancel under the cancellation refund policy and I should make a formal complaint against the company. 

I made this payment under duress, since I am living on a fixed income and could n't afford to have any of my income frozen. I am, therefore lodging a formal complaint and am looking for a refund of the {$1700.00} from this company that should not have been paid in the first place. 

Please look into this and advise how I can proceed. 

Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is my personal statement that the inquiry that I have listed is a result of identity theft and needs to be deleted pursuant to 15 USC 1681c-2. Also, pursuant to 15 USC 1681e ( b ) please update my personal information.

See Attached Identity Theft Report.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unexplained Credit Score Decrease To Whom It May Concern, I am writing to formally file a complaint regarding an unexplained decrease in my credit score, which has significantly impacted my financial standing. I have always maintained good credit behavior and have never missed any payments. 
On XX/XX/year>, I contacted XXXX to inquire about my credit score decrease. On XX/XX/year>, my credit score was XXXX, but it inexplicably decreased to XXXX in XX/XX/year>. On the same day, I also contacted XXXX to investigate the reason for my credit score dropping from XXXX to XXXX in XX/XX/year>. Additionally, on XX/XX/year>, I contacted Experian to understand why my credit score decreased from XXXX in XX/XX/year> to XXXX in XX/XX/year>, a significant 30-point drop. 
Unfortunately, none of the credit reporting agencies provided a satisfactory explanation for these unexplained decreases. The representative from Experian even advised me to contact FICO, which I did on XX/XX/year>. The FICO representative stated that they had nothing to do with the decrease in my credit score. 
For over 20 years, all of my payments have been in good standing. If any changes were made to my credit score, it is concerning that the three credit agenciesExperian, XXXX, and XXXXdid not reach out to me before making such changes without my consent. Moreover, I have opted out of sharing my personal information with all three agencies. 
According to 15 U.S.C. 1681, the Fair Credit Reporting Act ( FCRA ) governs how consumer credit reports are accessed and promotes the privacy, accuracy, and fairness of personal information. Specifically, 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of consumer reports. It is evident that Experian, XXXX, and XXXX have not followed these regulations, resulting in inaccuracies and unexplained decreases in my credit score. 
I respectfully request that this matter be investigated and resolved as soon as possible. My credit scores should be restored to their previous levelsExperian at XXXX, XXXX at XXXX, and XXXX at XXXX. 
Please refer to the attachment for further details Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX.
Product: Debt collection

I got on my bank account today to see about getting groceries. And I noticed that I had an overdraft charge, but my account still stated that I had {$300.00} balance with a negative {$140.00} available. I have 6 pending charges, each at {$75.00} from XXXX XXXX agency. I do have an agreement of autopay at {$75.00} per month. I have submitted an email to this company in regards to the over charging. I also had gotten onto their website to view my account and it also states there of the 6 payments that I had not authorized. I have attached my bank statement showing the multiple pending charges and the overdraft charge along with the account/payment information from the collection agency showing all payments at {$75.00} per month until XX/XX/2021 with 2 pending payments and XX/XX/2021 with 4 more pending payments.
Product: Credit reporting or other personal consumer reports

FCRA 605B, I think, demands the elimination of any inaccurate accounts from my credit report. Could you review the documents? Some listed accounts inaccurately report amounts and dates.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. Under 15 U.S.C. 1681 section 604A section 2, it also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please update these accounts per section 15 U.S.C. 1666b XXXX XXXX : Account Number XXXX XXXX  : Account Number XXXX XXXXXXXX XXXX : Account Number XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, as referenced below. These entries appear to be the result of a data breach, fraud, or unauthorized activity. I request verifiable proof, including my signature or electronic signature, for any transactions or inquiries associated with these entries. 

Please note that I am submitting this letter on my own behalf and not through a third party. I ask that you carefully review this matter, as I did not authorize these actions. These unauthorized entries constitute a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which requires the blocking of information resulting from a data breach or fraud, and Section 604 ( 15 U.S.C. 1681b ), which defines the permissible purposes for consumer reports. 

I have already contacted the relevant companies and found that these actions were initiated without proper validation or original documentation from the reporting entities. Since I did not authorize these accounts or inquiries, they should be classified as a result of a data breach or illegal reporting by creditors or third-party data furnishers. 

I request that you conduct a thorough investigation into this matter and take the appropriate action to resolve these discrepancies as soon as possible.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Equifax Dispute Information Center Dear Equifax I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( XXXX ) ( A ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Product: Bank account or service

I had a savings and checking account with Huntington Bank for the last 6 years. I was victimized by a scam artistic who got my email address from previous professional shops I had completed. Nevertheless, they wrote me a fraudulent check which I had no idea it was a bad check. I immediately contacted my local authorities since my checking account had been compromised. Huntington closed my account after the fraudulent check was deposited. I am the one who had been victimized. I was informed that I could no longer have an account with Huntington after I am the one who reported the bad check. Thus reporting the scam artistic to the authorities showing the various emails to my local police. The police file number is XXXX. I am requesting that a new checking account be able to be opened. Since I still have a savings account with Huntington. 

Thank you for reviewing this complaint.
Product: Credit card or prepaid card

I overpaid my credit balance, combined with a charge refunded back to my card that totaled just over {$1100.00}. On XX/XX/2022 a balance refund was initiated by me, and a check was sent to my address. I informed them 2-3 days after requesting the refund I was moving and was assured it would arrive in time. By XX/XX/XXXX this check had not arrived and I was moving from my house and had to call yet again to cancel this check. I requested the money logically be refunded back to the card it was charged from - the card was very clearly linked to my account. 

They denied being able to find any such account in the system requiring me to provide them with my account information. My account information was restated back to me correctly, the first time. After requesting an estimated time frame for canceling the check and depositing the money into my account ( initially stated as 10 days ) the lady yet again repeated my account information back to me this time INCORRECTLY. 

By XX/XX/XXXX I have heard nothing back from them and no money has been deposited into my account. I called, yet again, to understand what was going on. The next lady assures me that I will be called within 48 hours because the money should most definitely be deposited into my account and she 'escalated " the issue ( read as did nothing because that is what happened ). Now XX/XX/XXXX ( around XXXX XXXX  ) I call YET AGAIN because I never received a call back within this mythical 48-hour time frame to inform me why my money has not been deposited or what in gods name is happening. 

I was then told, that it was not 10 days, no it is 14 days. I would have my money deposited no later than 14 days, and yet again, wait for the money to be deposited. XX/XX/XXXX, I am now filing my complaint as it has undoubtedly been far longer than the federal regulations allow for my money to be returned upon the initial request for a refund. In fact, it has almost been an entire month since this whole charade started, I still don't have my money, I now have a balance, and they are saying it will take ANOTHER 14 days to even return the money to my credit card. 

This is absolutely absurd. Not only will they not provide me any information I request such as at what point in their 'research ' process they are or have they even attempted to deposit the money back into my account but every time I call I am told the waiting periods for literally anything and everything will take 2 weeks. 

They have my money. They told me they have not tried to deposit it. Why am I waiting 2 weeks for them to put the money back onto the credit card? All I am told is they need this time to do " research '' ( whatever that is even supposed to mean ) to ensure the money wasn't deposited into an account they have not even tried to deposit the money into.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy filing that was dismissed and should have been removed from my credit. Bankruptcy was file in 2014. 

Also loan modification on current mortgage but late payments that were required to even be considered for a modification are still showing on mortgage.
Product: Checking or savings account

On XX/XX/XXXX i received a personal loan into my MoneyLion checking account via direct deposit. On that day I also made a purchase of just under {$1000.00}. On XX/XX/XXXX my debit card was declined for a small XXXX transaction. When I checked my account there was a noticed that said were seeing slower than normal responses retrieving your balance. Dont worry, you can still use your debit card to make purchases or withdrawal cash. After seeing this message I contacted customer support who informed me that that account had actually been deactivated due to suspicious activity. I was never contacted asking if the transactions made were initiated by me, they just shut my account down leaving me without access to my account and all of my funds. When I asked how the matter could be resolved I was instructed to send a copy of my current ID, proof of address and an explanation of the charges to their resolutions department. they then told me it would be 3-5 business days to get back to me. I asked to speak with someone in resolutions to expedite the process and they said they could not contact them. I have now been without access to my checking account for 3 days with no access to money. This completely cut me off from all funds and there is the potential this will not be resolved until Friday. This is not a normal banking practice. I was never reached out to by them regarding this and I only discovered it by my card being declined. It is completely unacceptable for the to cut someone off from their account for potentially a week. I sent them all information requested early on Friday as well as several follow up emails with no response. This online bank Id backed by XXXX XXXXXXXX XXXX whom I will also be filling a complaint with through the FDIC.
Product: Credit reporting or other personal consumer reports

The existence of this account has caused me significant XXXX  to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX Social Security Number : XXXX XX/XX/year> Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, EQUIFAX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below XXXX XX/XX/year> XXXX XXXX XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), XXXX have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

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

I had a repo back in XXXX thru XXXXXXXX XXXX and every month since then they update it and report it as a new repo. Every month it causes my score to go down. I disputed it and all 3 corrected it for the month of XXXX causing my score to go up alot. But XXXX reported it again as a new repo so back down it went. I can't dispute it because the system won't let me because I disputed it once already. Not to mention XXXX bank sold my truck to an employee / member instead of sending it to auction where I know it would have went for far more then they sold it for. Then they turn around and have been charging me interest and late fees on top of interest and late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX OF XXXX XX/XX/2022 ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$940.00}.
Product: Credit card

I requested Chase Bank to take a look at a fraudulent charge over {$500.00} plus in XX/XX/year>. I reported as fraudulent first and the situation without speaking to me without details was drawn out twice over several months for it to get resolved. They said it could take 90 days. Once they contacted they advised the charge would stand, and provided me with no evidence of why it would stay. I had to dispute the charge with the dispute center and it took them days to give me back a response saying it has been too long since the purchase and the charge would stand. 

This is a diabolical response because Chase Bank prolonged the process for months without a response since XXXX to fix this that now its been too long and I have been waiting for them to fix it. This is an unethical practice to prolong a response to now lay it on the consumer to pay for a charge that was never made by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX  XXXX NOT MY ACCOUNT ( DISPUTE SENT ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE ON XX/XX/XXXX XXXX  XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX  XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT ON XXXX ) UNAUTHORIZED INQUIRES 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 US BKPT CT  GA XXXX CHAPTER XXXX REF # XXXX NOT MY ACCOUNT ( DISPUTED XX/XX/XXXX