23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We had a heloc with XXXX in XXXX. We tried a loan modification and was denied for unacceptable collateral. It was charged off on XXXX. We made payments until XX/XX/XXXX. In XXXX XXXX, XXXX sold the mortgage to US Mortgage Resolutions LLC and we were never notified. On XX/XX/XXXX, we received an XXXX XXXX from XXXX XXXX XXXX We went to XXXX to apply for help on XX/XX/XXXX. They said their was nothing listed in the XXXX courthouse against our property. We hired a lawyer and he found that both US Mortgage and XXXX had placed the mortgage lien against a satisfied property we own in XXXX XXXX. XXXX tried to foreclose on XX/XX/XXXX. On XX/XX/XXXX, XXXX discontinued foreclosure on the XXXX property. On XX/XX/XXXX, US Mortgage Resolutions LLC placed mortgage assignment against our XXXX property. On XX/XX/XXXX, XXXX placed a mortgage assignment against our XXXX property. On XX/XX/XXXX Monteric files act 91 foreclosure against XXXX property. On XX/XX/XXXX we respond by lawyer. Monteric files for summary judgement. On XX/XX/XXXX We had to sign a loan modification to avoid foreclosure and pay {$5000.00} in legal fees to XXXX. During this process, interest has been charged by US Mortgage and XXXX and added to the debt which ended being more than we borrowed.We still have liens placed by them on a satisfied property in XXXX XXXX, Pa. We tried to sell the lackawanna property but were told it had lien against it. We believe that we were victims of mortgage fraud and were forced to sign a loan modification under duress! On XX/XX/XXXX XXXX sold our mortgage to XXXX XXXX XXXX principal balance on XX/XX/XXXX was XXXX with XXXX. The address of US Mortgage Resolutions LLC -XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. The address for XXXX XXXX is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Il. XXXX.
Product: Credit card or prepaid card

On XX/XX/19 I was charged by " XXXX, XXXX '' two times for {$29.00} each. I contacted my bank and they handled the dispute and re-issued my credit card. The same thing happened on XX/XX/19 except this time the charge was {$2300.00}. Again, Bank of America handled the dispute and re-issued my card. On XX/XX/19 the same thing happened twice for {$29.00} each and again Bank of America handled the dispute and re-issued the card. 

I have been on contact with both B of A and MasterCard about this recurring fraudulent charge. Each entity is blaming the other. While B of A has provided new cards each time, the same thing happens each month and no one is sure how to prevent it from happening.
Product: Credit reporting or other personal consumer reports

I have asked for my full free credit report several times, and my accurate credit score, they had refused to provide me with my full credit report and my accurate credit score. 
They still keep informations which have been removed from other credit bureaus on my credit report.
Product: Credit reporting or other personal consumer reports

After discovering negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted XXXX to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the XXXX breach. Despite my efforts, XXXX, Transunion and XXXX denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, as these negative marks are damaging my credit and financial standing. I believe that XXXX, Transunion and XXXX has not fully investigated the potential identity theft tied to the XXXX breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. ACCOUNTS LISTED BELOW : XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX. Account XXXX : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX. Account Name : XXXX
Product: Credit card

I BOUGHT A XXXX TURN MOWER FROM XXXX SYNCHRONY DOES THE FINANCING. I BELIEVE IN XXXX AND HAD MADE ALL PAYMENTS THROUGH XXXX XXXX XXXX XXXX BILL PAY, SOMETHING THAT I HAVE BEEN DOING FOR YEARS. ON XXXX XX/XX/XXXX I MADE A PAYMENT OF {$550.00} WHICH LEFT A BALANCE OF {$300.00} WHICH WAS PAID ON XXXX XX/XX/XXXX. THIS LAST PAYMENT THEY ARE SAYING THAT THEY DIDN'T RECEIVE. I CALLED THE AND PROTESTED THAT AS ALWAYS XXXX XXXX HAD ISSUED A CONFIRMATION NUMBER : XXXX AND XXXX ONLINE PAYMENT NUMBER XXXX. THIS I SENT THEM AFTER RECIEVING THEIR FIRST LETTER DATED XXXX XX/XX/XXXX TELLING ME THAT THE PAYMENT HAD NOT BEEN CREDITED TO MY ACCOUNT. I THEN FAXED THEM THE INCLOSED COPIES OF THE PAGES WHERE I HAD DOWNLOADED FROM MY PAY SHOWING THE ELECTRONIC CONFIRMATION NUMBER XXXX. ON OR ABOUT XXXX XX/XX/XXXX I RECIEVED AN EMAIL DATED XXXX XX/XX/XXXX REQUESTING A COMPLETE BANK STATEMENT. I WENT TO THE BANK XXXX XX/XX/XXXX AND REQUESTED A LETTER SHOWING WHERE THIS PAYMENT HAD BEEN MADE AND WHEN I GET THIS LETTER I WILL SEND IT TO THEM BUT I AM NOT GOING TO GIVE THE ACCESS TO VIEWING MY CHECKING ACCOUNT WHICH I DO NOT BELIEVE IS THEIR BUSINESS.
Product: Credit card or prepaid card

Someone open a JPMCB credit card without my permission. Account # XXXX I disputed the account with XXXX, XXXX and XXXX credit bureaus, I also contact JPMCB I spoke a XXXX XXXX employee # XXXX in collection department. She stated the that the Identity Theft that was file XXXX was not valid do to I didn't submit a police report with the dispute. I dispute it once again on XX/XX/XXXX the credit bureaus they said they contacted the creditor and also send all the information over to them. Which included, A Identity Theft Report, a Police Report I also Fax the information to Chase Card Services fax # XXXX XXXX per XXXX XXXX employee XXXX XXXX in JPMCB collection department.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XX/XX/2022 I Spoke with a representative by the name of XXXX who is a representative of Rocket Mortgage. XXXX refuses to remove the two delinquent payment status that is currently reporting to my consumer report. I explained to XXXX thoroughly that I encountered these two late payments during the Pandemic of " Covid 19 '' and that this status should be marked as " Current '' during this unprecedented time. XXXX states that Rocket Mortgage is unaware of the " Cares Act ''.
Product: Debt collection

Am receiving approx 4 phone calls a day. This company has also called family members with the threat of legal action. Today I received a pre legal notification from this collection company. I have not received credit from them, nor have I requested this service.
Product: Mortgage

I applied for refinance with my current lender Freedom mortgage. I left voice mails in XX/XX/2019 for refinance option without any response. I did another time, but still no response. I finally reach out again around XX/XX/XXXX, I finally got a nice gentleman helped me with refinance application. We submitted all documents almost immediately. A few days went by, I didn't hear anything. I reached out to the gentleman helped me, and was told we had a new loan processor. I emailed multiple time and left multiple voicemails to the new loan processor and had no reply at all. I called refinance department and was place on hold for 35 mins, I finally hung up. I called again on XX/XX/XXXX was and told we got a new loan processor, i left her a voicemail, and got no reply again. I called her again and had no answer. I called the customer service and was told to hold for refinance department. I was on hold for another 45 mins and no one answered. It's been a long and frustrating process with no response at all. I believe it's my legal right to request a copy of my appraisal report at least.
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CONSUMER CREDIT REPORT AND NOTICE THAT I HAD SEVEN ( 7 ) LATE PAYMENTS ON AN ACCOUNT THAT I NEVER WAS LATE LIKE MY OTHERS ACCOUNTS AND THE CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEY'RE ABILITY WHIT MAXIMUM ACCURACY, I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT ( NAME : XXXX XXXX ) ( XXXX ) PLEASE INVESTIGATE AND PROVIDE ALL PROOF WHIT STATEMENTS SHOWING THAT THOSE PAYMENTS WERE LATE. IF THE PROOF CAN'T BE PROVIDED, I DEMAND THESE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOUD BE AS I WAS NEVER LATE. 

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

I appreciate your time to correct some of the erroneous items in my credit file ; however there are still many items that need to be corrected and updated. 

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

Capital One is reporting an erroneous late on my credit file. This late is for XX/XX/19. I have never missed a payment with Capital One. I do not recall receiving a call, notice, or letter about this delinquency. I have had an account with Capital One for a really long and have never been late other than this late notation and I'm sure i made this payment on time. I am asking that you remove this erroneous late remark. I truly don't think i was late, this may have been a system issue on the banks end. It is affecting my chances of obtaining financing and need it removed.
Product: Debt collection

AFNI contacted me saying that I supposedly owed a debt. 

Then another collection agency under the name of XXXX contacted me also saying that I owed them the debt. So basically they are trying to double collect. 

A few days ago I filed a complaint against XXXX and they said that the debt was completely removed and that they will not pursue it. 

AFNI never verified the debt and they are still showing up on my credit report? 

I sent them a few letters and they never validated the " so-called '' debt. 

I need them to remove themselves from my credit report and am asking for punitive damages for willfully neglecting to verify the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and Equifax. 

I understand that Equifax has some problems recently where they were incorrectly reporting a significant number of peoples Equifax accounts; thereby denying them credit or driving a credit score that drove their score down. 

I was denied credit by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. My credit score with Equifax, at the time I applied for the loan was over XXXX. As the declination letter from XXXX XXXX describes my Equifax FiCO score of XXXX was the reason for declination. The difference between the score reported by Equifax and XXXX XXXX is a significant difference. Equifax also sent me a notice that they changed the recipe to develop my FICO score. This sounds fishy as their score is the bedrock of the credit industry and they changed the recipe to cook a different brew of XXXX. 

I believe that Equifax reported my credit incorrectly and I want the CFPB to investigate this in lite of their changing their recipe and their failure to report correctly. 

The attached letter is a copy of what I sent to XXXX XXXX. This outlines my primary issue with XXXX XXXX and Equifax. XXXX XXXX XXXX has not responded to my letter. 

Additionally, I also believe that XXXX XXXX has discriminated against me, violating my rights by using my age to lower my score on their non-published criteria. 

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

I recently challenged the validity of XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) - XXXX ( Collection ) account, I.C. SYSTEM, INC ( Original Creditor : XXXX ) - XXXX ( Collection ) account and XX/XX/XXXXXXXX XXXX Original Creditor : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ) - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XX/XX/XXXX ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.
Product: Credit card or prepaid card

My credit card usage is incorrect and has been for months. Its showing I have {$130.00} balance which I do not. The balance has been XXXX since XXXX XXXX  if I were to miss a payment it would be immediately reported. So my payments made on time should be as well. It looks like Im using much more of my credit limit than I actually am. Its negatively affecting my credit score. It has not been reported since XX/XX/2022. Ive been afraid to use the card again.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that the referenced account was fraudulently opened in my name without my knowledge or authorization. This account appears on my credit report and is negatively affecting my credit. I believe this is a case of identity theft. 

Account Details : Account Name : JPMCB CARD Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/year> I did not open this account, nor did I authorize anyone else to do so on my behalf. Therefore, I request that you immediately close this account and cease all collection activities related to it. Additionally, I request that you remove any negative information related to this account from my credit report. 

This company - that I have XXXX knowledge or affiliation with was fraudulently operating with my information. I did not authorize any of this. I do not own a company or operate a company. I have never in my life walked into a Chase bank nor called nor applied anywhere for a card with Chase. This is ridiculous. I do not even have personal accounts with Chase. My credit and EVERY single one of MY accounts are in great standing and have always been. I have beautiful financial history and I have always protected my credit score. I do not know how this even happens and how I am responsible for paying a card I have never had or spent any money on. I do not have a physical card nor could I even tell you the card number. I do not know any of these " employees '' that Chase is saying I sent payments to. None of the payments made on this credit card where with accounts I own. This account is not my debt and this is incredibly unfair. I have never contacted Chase to open an account ever in my life. This needs to be thoroughly investigated.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach. As a result, I request that the following accounts and inquiries, which are associated with the breach, be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These provisions entitle me to have fraudulent or unauthorized accounts and inquiries removed from my credit report. 
Accounts for Blocking and Deletion : XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$19000.00} XXXX. XXXX XXXX  Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5000.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3300.00} XXXXXXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$11000.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3100.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$17000.00} XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1800.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1800.00} XXXX XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$550.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXXXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$690.00} XXXX. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3600.00} Inquiries for Blocking and Deletion : XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX o XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  o Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX o XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # 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 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 XXXX years. 

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts Below : Account name : XXXXXXXX XXXX XXXX  purchas Account number : XXXX I dont have the full account number but I wrote the numbers reporting on my credit report However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Student loan

I was placed into administrative forebearance XXXX XXXX, and requested a refund for my payment made in XXXX of XXXX. This initial request was made XXXX XXXX via message as directed by automated prompt when I called. I waited the 60 days as stated, and when I did not receive my payment I called Mohela XXXX XXXX to check on the status. They had not processed it. They placed the request during the phone call, and I was told 30 days. Its now almost 60 days and I have yet to recieve the refund, initially requested XX/XX/XXXX.
Product: Vehicle loan or lease

Wells Fargo entered into a loan agreement with me in the county of XXXX XXXX at their XXXX XXXX branch in 1996. I paid my loan religiously and in the last year of the auto loan wells fargo reposesed my truck and auctioned it off. The truck loan was around {$15000.00}, and I had paid off more than {$12000.00} when they reposessed it. I never missed a payment, contact with wells fargo after that was obsolete, they would not talk or work with me or honor their agreement.
Product: Debt collection

I just received an email from Mobiloans who is the original creditor alleging that I took out a payday loan with them, I have never heard of this company and was a victim of identity theft, as I filed a police report in addition to a report with the FTC, I never authorized a loan with Mobiloans or this third party they sent this account to, furthermore I have not received any mail from them with a proper debt validation. I am very familiar with my rights and would appreciate if this debt is removed from all 3 credit reports as there is no signature showing that I in fact owe this alleged debt.
Product: Debt collection

i dont know who was XXXX... i never heard XXXX... i dont owe this XXXX... i got a statement from Portfolio Recovery Associates , LLC. 

thanks
Product: Credit reporting or other personal consumer reports

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX XXXX XXXX are not maintaining reasonable procedures.