23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX/XXXX/XXXX a letter was sent out to me advising me that I was denied a loan modification. The letter stated that I was evaluated for mortgage payment assistance based on eligibility requirements of Fannie Mae. I wasnt told which options were reviewed and I was not told which eligibility requirements I didnt meet. My HUD approved Housing XXXX called Loan Care at XXXX on XXXX/XXXX/XXXX to discuss the evaluation of my mortgage foreclosure alternatives as XXXX XXXX advised we do on the denial letter. Upon calling the XXXX XXXXXXXX spoke with XXXX XXXX ID # XXXX, whom said that she didnt see why exactly the loan was denied for a modification. She said that she would have to have the underwriter call the XXXX XXXX back with an explanation. 
On XXXX/XXXX/XXXX my XXXX XXXXXXXX called back, as she had not heard back from the underwriter. She called the loss mitigation number listed on the denial letter of XXXX, which is supposed to be a dedicated Loss XXXX XXXX line. However, the line was somehow routed to customer service, which then was routed to who knows where and the XXXX spoke with XXXX XXXX # XXXX. XXXX stated at first that she wasnt sure why it was denied either, but upon further investigation she stated it was denied because the financials didnt match up. She said that possibly my bank statements didnt match up with my expense statement, but again could/would not actually confirm if what she was telling my XXXX was the actual reason for denial or her assumptions. She said that the income listed on the XXXX was less than what they calculated, but she could/would not tell the XXXX XXXX XXXXXXXX what or how my income was calculated. As things escalated with XXXX she stated that she didnt need to tell my XXXX XXXXXXXX why it was denied at all. XXXX stated if we didnt agree with the denial that we should write an appeal letter stating that we appeal the denial. She said it doesnt matter why we dont agree with the denial, just that we dont agree. She said that it would then be reviewed again. 
The issue I have is that I was not given a proper list of what XXXX XXXX options were reviewed or why I was denied these options. I was told to just appeal the denial even if I dont know why I am denied. I will write an appeal, but I dont even know what my reason is for appealing. I dont know what barriers I need to overcome, if any, to qualify for a loss mitigation option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation XX/XX/2023 to valid this debt. I did not receive a respond within 30 days.
Product: Mortgage

I have a Nationstar Mortgage after my loan was sold to them. It was with XXXX, who sold to XXXX XXXX XXXX. They sold my loan to Nationstar Mortgage. It has been a rollercoaster since Nationstar took over my loan. After being denied the affordable home loan application b/c I no longer live in my house. I continued to make my payments at 5.75 % on XXXX loan. Recently there was a XXXX in the house so I had to setup a payment plan to fix the problems with the house. Long story short. They have been sending my payment back. I call and when I finally get a person on the phone, they note my account about my payment being sent in and satisfied with my payment and the process I am paying. I can not use their online service b/c when setting up a new bank account my payment was rejected. So due to that happening XXXX I can not make online payments anymore b/c they wo n't allow me too. This month my payment plan payment of {$2500.00} was return to me after funds came out of my account and went to them. THey rejected the funds and sent them back to me. I called and they stated they did not know why. I then stated I would pay the account to bring it current since it was the last payment in my plan and paid fees for that last payment. I sent {$2800.00}. They again rejected my payment and sent it back. Each time fees have been charged to my account. I continue to give them my money b/c it is my debt and my obligation and the right thing. Yet they make it difficult to pay and then continue fee me? Where do I go from here?
Product: Checking or savings account

It is too difficult simple to link my PNC checking account to my XXXX account. I called at least 3 times and issue was not resolved, and I visit branch and it is the same.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding cashapp handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using cashapp numerous times and reporting discrepancies, my financial institution and cashapp failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that cashapp has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several fraudulent accounts reported under my credit profile. I am submitting this request in accordance with the Fair Credit Reporting Act ( FCRA ) and would like these accounts removed promptly. As a survivor of human trafficking, my identity and personal information were compromised, leading to the unauthorized opening and reporting of the following accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX These accounts were opened or reported without my knowledge or consent, violating my rights under the FCRA. Specifically : 15 U.S.C. 1681 Section 602 ( a ) This ensures my right to privacy and accurate reporting. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Consumer reporting agencies can not furnish accounts without my explicit consent. To support my dispute, I have attached the following documents : A personal statement detailing my XXXX  situation. Additional records, where applicable, to verify my identity and substantiate my claim. I request your immediate review and removal of these accounts from my credit profile. Please confirm receipt of this dispute and inform me of any additional steps or documentation required. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Despite FTC in XX/XX/XXXXLawsuit and Permanent Injunction against Security Credit Services , LLC over issues to include deceptive voicemail messages. On XX/XX/XXXX I began receiving harassing threatening automated voicemail messages that failed to identify messages were from a collection agency ( please see attachment voicemail transcript/ answering machine incoming answer was later changed by SCS to depict medical facility ) from Security Credit Services , LLC a.k.a XXXX XXXX. Collection agency is slow or non responsive to my attempts to expeditiously resolve matters in a timely manner without further expense or delay in a manner where no further harassment and intimidation tactics will be used by the collection agency and despite my adamant wishes to resolve the account quickly and thoroughly remove collection listed from my credit reports that the collection agency has plastered all over my credit reports without first notifying me of the outstanding debt, my right to dispute the debt, or have the debt sent back to original creditor for resolution, and its failure to validate its authority prior to collect on debt. Or validate its legal right to collect debt or sue in Florida despite threatening to do so. Collection agency refuses to negotiate reasonably settlement on old/ charge off account. It has negatively hindered my ability to establish credit and purchase a home. Security Credit Services , LLC alleges an outstanding amount of {$1800.00} is owed to their agency from a charge off account it purchased from the original creditor in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit bureaus regarding the duplicate XXXX XXXX mortgage accounts on my credit report. ( The accounts showing are listed below ) XXXX XXXX XXXX XXXX : 1. Loan # 1 ( {$180000.00} ) status indicates it is part of a bankruptcy filed XX/XX/XXXX, closed XX/XX/XXXX. 
2. Loan # 2 ( no loan amount ) status indicates it was transferred, closed XX/XX/XXXX. 
3. Loan # 3 status indicates it was transferred, closed. {$33000.00} written off. Loans 1 and 2 have the same account numbers and closed dates. 

The response from the credit bureau states the account was updated, but they are still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that 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 is not information relating to any transaction by the consumer. 


XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$830.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$2200.00} ; XXXX XXXX Balance : {$990.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXXXXXX Balance : {$25.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complain with the Equifax regarding the account XXXX XXXX XXXX ( XXXX ) XXXX and the complain was already closed and they will delete this account from my credit report because they are violated my rights. As today I don't see any changes in my Equifax credit report and the account still there. Company responded an closed with explanation on XX/XX/XXXX and says that the account was removed from my credit report. Complain # XXXX Submitted to the CFPB on XX/XX/XXXX.
Product: Credit reporting

I purchased a one time credit report and FICO score from Equifax. The credit score analysis indicated that my most recent late payment was 2 months ago. However, my credit report does not show a late payment for at least a year. I contacted Equifax via email and received responses. The responses were general in nature that late payments have a negative affect ; however, it did not address the issue such that the credit score is indicating a late payment from 2 months ago while the credit report itself shows no late payments in at least a year. I further pursued clarification from the Equifax who indicated that I should call their customer service. I called the customer service number and spoke to an individual who provided the same generic information - that late payments can have a negative affect on my score. 

Both products were purchased from Equifax at the same time - I provided information that the score indicated a late payment two months ago and asked Equifax which account was reporting it. They were unable to tell me, and the credit report itself does not list any late payments for any accounts newer than 1 year old. 

Someone, somewhere is reporting a late payment on my credit report and it is n't showing at all - If, as a consumer, I am not able to see all information reported then the spirit of the FCRA is not being met. I ca n't dispute an item that does n't actually appear on my credit report ; if it does n't appear it should not factor into my credit score. 

I 've attached to this complaint the credit report showing no late payments in the last year, and the screenshot from the FICO score purchased from Equifax which indicates the last late payment was 2 months ago. 

Thank you for your consideration, XXXX
Product: Credit reporting or other personal consumer reports

Today XX/XX/2024 ) I do not and did not understand any of these bills except that the installer rep /door salesman stated {$42.00} a month!!! 
This notice says I owe {$26.00} past due, then now {$100.00}!! 
I want all these inaccurate information deleted or corrected not owning $ ( XXXX )
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that I didn't do like XXXX of XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX and another one from XXXX  on XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX pXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX  on XX/XX/XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX and XXXX  on XX/XX/XXXX they are on my TransUnion report
Product: Credit reporting, credit repair services, or other personal consumer reports

I been tryibn to get these errors off of my credit profiles for a very long time with no luck. The credit bureuas are not helpful. please help.
Product: Checking or savings account

Hello CFPB, I, XXXX XXXX, am a victim of Id Theft at Paypal Inc. An account was created in my name using my email ID 'XXXX ' on XX/XX/XXXX siphoning off {$15000.00} from my XXXX XXXX  XXXX Checking And Debit Card accounts . I filed a previous CFPB complaint against Paypal Inc. asking for return of lost money. XXXX  XXXX XXXX eventually did chargebacks on the transactions to return the whole money of {$15000.00} back to my original XXXX XXXXXXXX XXXX Checking Account in XX/XX/XXXX and XX/XX/XXXX from the ID Theft Paypal Account 'XXXX ' with Account ID 'XXXX XXXX ' that possessed my money. The previous complaint against Paypal Inc. with CFPB is XXXX. On XX/XX/XXXX, Paypal Inc has informed me on my phone call to them that my account is still in Fraudulent state and is pending investigation for previous complaint # XXXX and associated XXXX   complaint # XXXX. 

This is a Harassment complaint against the above ID Theft perpetrator who is the account owner of Paypal Account 'XXXXXXXX ' with Account ID 'XXXX XXXX ' . ID Theft perpetrator constantly texts my phone # XXXX asking for Release of Stolen Money back to the 'XXXX ' with usage of profane words. This has been an ongoing Harassment issue since XXXX of XXXX till now ( XX/XX/XXXX ). 

Paypal Inc. has to take legal action against the above ID Theft perpetrator account 'XXXX ' with Account ID 'XXXX XXXX ' ASAP so that I can protect myself from the said person 's threats against me and my family. 

XXXX XXXX Mobile # : XXXX Email ID : XXXX XXXX
Product: Mortgage

I purchased a home and obtained a mortgage from Wells Fargo in XXXX. I was up to date on payments until XXXX. At that point I contacted Wells Fargo who suggest a loan modification. After working with several of their employees over the course of the next year they were still not able to modify the loan and reopen the mortgage. The next steps in order to do so were to fill out a 10+ page form and fax it to their Loan Modification department in Iowa . I did this several times and upon receiving a fax transmission confirmation I contacted Wells Fargo. I kept getting the same line, we have a new person working with you, and that person would tell me they didn't receive random pages of the fax. I did this so many times that I decided to go into a Wells Fargo and have them fax it themselves. I still got the same response over and over after visiting several Wells Fargo branches who sent the fax for me with a XXXX percent success transmission log confirmation each time. Eventually Wells Fargo told me that they foreclosed the home. I have been pretty much homeless ever since even though I had the money to pay for the mortgage, and had found a renter who moved into my home which also covered the costs without my income. A real estate agent for Wells Fargo eventually came to the home and forced my renter out of the home illegally. I have been unable to recover from the damages I have gone through due to this loan modification that I was suggested that only made it so I was caught in a vicious cycle and caused the mortgage to close during the process and even though I had money to pay the mortgage was sent in circles until they took my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score ( XXXX, Account Number XXXX ). In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Debt collection

XXXX accounts keep appearing on my credit report and is confirmed to be accurate statements from collection agencies. 

I disputed XXXX separate collections within a month time span and they were both confirmed to be accurate, after disputing multiple times and not reaching end verdict I am now reporting these changes as fraudulent and I will proceed with legal practice.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Equifax Credit Bureau regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ Date of Credit Report ], I discovered discrepancies in the following account ( s ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax credit Bureau has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit card or prepaid card

On XX/XX/2021, I made a {$170.00} purchase on a website called XXXX. The following day, I looked up the website to check my tracking number and saw that the website was unavailable ( it is still unavailable to this day ). Without a way to cancel my order, I filed a dispute with Citibank to stop the charge. I emailed the merchant and asked where the website had gone and when I did not receive a response, I asked them to cancel my order. The merchant responded back confirming they would issue a refund and cancel the shipment. I have not received my refund. Citibank has denied my dispute despite agreeing with me on the phone when I called. I spoke with a person named XXXX at Citibank who confirmed with me that the email conversation was sufficient enough to resolve this dispute and that she would have the investigators have a look. I have since been told I am still responsible for this charge.
Product: Credit card

American Express Company continues to engage in a recurrent and maliciously intended practice of sabotaging the mailbox of XXXX XXXX XXXX XXXX with unwanted, unrequested, and unwelcomed marketing material about their products and services. American Express Company was informed that all of XXXX XXXX XXXX XXXX members and owners have already submitted their information to XXXX, has requested XXXX XXXX XXXX to inform any financial institution service provider to not send any sort of promotional material, and American Express Company was even informed by letter and phone call to Cease and Desist of this practice ; American Express Company has ignore all requests and continues with their sabotaging practices. 

I am humbly requesting the agency to assume jurisdiction, and to reach any other stakeholders needed to address these malicious practices. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX