23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I bought my home with a government backed FHA loan in XX/XX/XXXX. I am now facing foreclosure because of a misunderstanding regarding the mortgage payment. I have been told that there are no options for help besides full reinstatement or an expensive repayment plan. I feel that Carrington Mortgage has obstructed access to government programs that should be made available to me since I have a government backed loan. I have never been considered for a loan modification or a partial claim and was not even aware that there was a problem until two months ago. When I bought the home I lived here with my boyfriend and XXXX XXXX. My boyfriend covered the mortgage payment and I took care of all of the bills and groceries. In XX/XX/XXXX my boyfriend separated from me and moved out. Since we share a XXXX  we made an agreement that he would continue to pay the mortgage payment until XX/XX/XXXX and I trusted that he was following through. 

I was contacted by Carrington collections in XX/XX/XXXX and told that I was behind on the mortgage payment. This was the first I had heard of this, as I was being misled that my boyfriend was still covering the house payment. I found out that he had not made a payment since XXXX. I spoke with an English speaking representative and there was some difficulty understanding because of language barrier. They offered me a repayment plan that I believed required a one month payment of {$2200.00}. I made the first payment and thought after that my payment would go back to {$1300.00} but then realized that there were two more payments of {$2200.00} that I could not afford. I called back in and asked for a Spanish speaker who helped me better understand. Once it was explained to me I said I could not make this payment. The agent said they would look at the information and see what they could do to help. I did not hear anything from Carrington so I called back and found out that I am in foreclosure. 

I am a single mom who works full time as an XXXXXXXX XXXX at the XXXXXXXX XXXX XXXXXXXX XXXX. I was surprised to find I was behind because my ex-boyfriend lied and told me he was still paying. Now the court said he has to pay me {$600.00} a month in child support but he has not given me any of this money yet. I do not want to lose my house and I know that because I have an FHA loan that there were several programs that could help and feel that Carrington should have explained that to me instead of pushing me into a repayment plan. I have never been granted access to government programs that your Carrington is required to make available to struggling homeowners with FHA loans. I have never been reviewed or considered for any of these programs like loan modification or deferred partial claim or recapitalization of arrearages or 12 month repayment plan ( not 3 month ) that your company needs to review me for. This has never happened.
Product: Money transfer, virtual currency, or money service

I was hacked and can no longer access the email on my cash app account $ XXXX and I reached out to cash app and even though it is in my name and my social they will not give me access to the account. I also have the cash app card. I have filed a police report, about this situation. There are crypto funds on the card including XXXX. Cash app refuses to work with me and says they will only respond to the police.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees charged to my account. These fees were assessed despite having sufficient funds available at the times the transactions were authorized. However, due to delayed posting and charging of credits, I was unfairly charged overdraft fees. 

This issue appears consistent with the recent findings of the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the the Fair Credit Reporting Act XXXX XXXX account # 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. also states a consumer reporting agency can not furnish a account withought my written instructions.
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO DLR SVC has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a strange call about winning the lottery and a free credit card. The person on the other line told me that they will give me a free cruise ship.I denied the request and ask the person how did you receive my information. The person stated to me that they notice on my consumer report I had no credit and I will be a perfect fit for the cruise ship rewards. I hung up the phone and called my local police and notified them of the weird call and scam. The dispatcher of the local police notified me to call all the consumers reporting agencies and notified them of the scam. I also checked XXXX, Experian, and XXXX consumer reports and noticed many false inquiries that I never did. I even notice addresses and a fraudulent account as well. I even contacted the fraudulent dept of these reporting agencies still no one contacted me back 120 days later.
Product: Debt collection

LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Cease and Desist Letter Regarding Account XXXX XXXX  Dear LVNV Funding LLC, This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. I am disputing the alleged debt you claim I owe and am demanding that you cease and desist all communications with me, including but not limited to any direct or indirect mediums such as my consumer credit report. This demand extends to all forms of communication, including mail, phone calls, electronic messages, or reporting to credit reporting agencies. 

Specific Demands : Provide the Chain of Assignment : I require documentation evidencing the full chain of assignment of the alleged debt, including the original creditor and all subsequent assignments. This must include details of any transfers of ownership or rights to the alleged debt.

Ink-Signed Contract : Provide a written, ink-signed contract that establishes a direct agreement between me and LVNV Funding LLC regarding the alleged debt.

Authorization to Access Personal Information : Supply documentation that explicitly grants LVNV Funding LLC authority to access and utilize my personal information. 

FDCPA Violations : It has come to my attention that you stated I owe you money, which is a violation of the FDCPA ( 15 U.S. Code 1692e ).

Utilizing any logo or symbol in a misleading manner constitutes a violation of 15 U.S. Code 1692e ( 9 ).

Reporting the same account twice on my consumer report is a violation of 15 U.S. Code 1692d and is considered deceptive and abusive.

Mail Fraud : Using the United States Postal Service to attempt to collect on an alleged debt without proper authority constitutes mail fraud under 18 U.S. Code 1341.

Identity Theft Laws : If the alleged debt is not mine, I demand you comply with the Federal Trade Commission ( FTC ) guidelines under the Fair Credit Reporting Act ( FCRA ) and identity theft laws by investigating and resolving this matter promptly.

Immediate Action Required : You have five ( 5 ) days from the date of receipt of this letter to : Remove all references to the alleged account from my consumer report with all credit reporting agencies.

Provide all requested documents and evidence.

Cease Communication : Per 15 U.S. Code 1692c ( c ), you are hereby notified to cease all communications with me regarding this alleged debt. This includes direct communication, indirect communication, or any reporting on my consumer report, which is considered a form of communication.

Permissible Purpose : Provide written documentation demonstrating that you had a permissible purpose, as defined under 15 U.S. Code 1681b, to contact me or report on my consumer report.

Failure to comply with these demands will leave me with no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I reserve the right to pursue legal action for violations of the FDCPA, FCRA, and any other applicable laws.
Product: Credit card

I have been sent letters in the mail, about XXXX letters, from various credit card companies about someone trying to open up an account with them without my knowledge or consent. A few of these credit card companies include XXXX, Capitol One, XXXX. 

What do I need to do for this to stop happening?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX requesting you to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX 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 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 DEPT OF EDXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. Please comply with the Fair Credit Reporting Act section 605b nad have the disputed items removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$15000.00} Nice! You've paid off 100 % of this loan XXXX  Highest balance {$15000.00} {$16000.00} {$17000.00} ( ON CREDIT REPORT ) WRONG Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Reporting Wrong on Credit Bureaus. Derogatory Remove asap. 


XXXX Last reported XX/XX/XXXX {$8200.00} {$6200.00} {$7700.00}. ( ON CREDIT REPORT ) WRONG Reported balance Highest balance {$6900.00} You've paid off XXXX % of this loan OVERVIEW Highest balance {$6900.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term 48 months ( 4 years ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status Reporting Wrong on Credit Bureaus. Derogatory. Remove asap XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$670.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX PAID IN FULL. REMOVE ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, the servicing of my mortgage was transferred from XXXX XXXX XXXX  ( XXXX XXXX  XXXX ), which was sub serviced by XXXX XXXXe XXXX to Amerihome Mortgage Company LLC. On XX/XX/2021, the XX/XX/2021 payment was made to XXXX through a bank draft. The XX/XX/2021 installment was not processed and I went online and made a payment to XXXX, accidentally, on XX/XX/2021. I also made the XX/XX/2021 payment to XXXX on XX/XX/2021. On XX/XX/2021, both payments were returned to me and upon research, I found the mistake as well as why the payments were returned and called XXXX mortgage to make the XXXX and XX/XX/2021 payments on XX/XX/2021. In speaking with the representative, I was assured that the XX/XX/2021 due date would be covered under RESPA. Per RESPA, I have 60 days from the date of servicing that the payments made to the prior servicer will not be considered late. XX/XX/2021, is the XXXX-day post servicing transfer. The XX/XX/2021 payment should not be reported late by the new servicer. XXXX XXXX is reporting the XX/XX/2021 installment in XX/XX/2021 as 30 days past the due date. This is incorrect and needs to be changed. I have made multiple calls to fix the error, I disputed with the CRAs, and I have faxed a letter with my explanation to XXXX with no investigation that fixes the issue. I was told by more than one agent on the phone with XXXX that they have a servicing date of XX/XX/2021, in their system and I suspect this is the reason the credit reporting has not been fixed. Per their " Welcome Letter '' the servicing date began XX/XX/2021, and they must abide by their official correspondence with me. I have missed my opportunity to refinance my mortgage for a better rate now that rates have been going up again. I could have saved thousands, but the error in the reporting has prevented me from going forward with the refi. I have attached the welcome letter and my bank statement proving payments to XXXX, payments returned from XXXX, and then payment to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20XXXX XXXX XXXXXXXX name this account was opened fraudulently this not my account please remove
Product: Checking or savings account

There have been multiple dates where Chase will manipulate the withdrawal times or charging In order to capitalize off overdraft fees. I am not sure of the date, but I have had over XXXX overdraft fees taken this year while also trying to explain my situation and receive a refund.
Product: Checking or savings account

I had a wellsfargo business account and I reported on XXXX that an ex XXXX of mine made a threat to steal my account. They noted the account with his name and my issue, placed a hard freeze on the account. The XXXX branch then the very next day GAVE THIS MAN MY ENTIRE BUSINESS ACCOUNT!!! Took my name off of it and gave it away within 1 day! Ive called and they refuse to talk to me saying Im not on the account. This man was NEVER ON MY ACCOUNT, nor was he a signatory on this account EVER! Hes since used my own financial documents to try and file a criminal case against me and has shut my business down. Ive lost ALOT of money from being closed down based upon the fact he placed an injunction stating that has been his business account. Had they never gave him access to MY ACCOUNT, and protected me, this man wouldnt have used my own documents against me claiming he owns said business! I warned them, they ignored me and protected me NONE!!! This will be a law suit unfortunately Im so upset!!
Product: Credit card or prepaid card

Chase Bank never contacted me to inform me that my account was closed, or how to make payments. After speaking with a representative, they told me my account was closed in XXXX and they sent a notice about it. I asked them to resend the original notice so that I could understand why my account was closed and how I could reconcile. The notice they sent me simply said this confirms your account was closed with no explanation or information on how to pay off the account. They disabled the ability for me to see statements or make payments on their mobile banking. I believe they are attempting to scam me by not providing adequate information and revoking access to the ability for me to pay my account off.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$200.00} XXXX  XXXX Balance : {$380.00} XXXX XXXX Balance : {$160.00}
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
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

I did not authorize XXXX XXXX XXXX to run my credit 5 times. 

I have been contacting Equifax and XXXX XXXX XXXX since XXXX 2018. The 5 inquiries are still on my credit report. 

Dates : XXXX XXXX, 2018 ; XXXX XXXX, 2018 ; XXXX XXXX, 2018, XXXX XXXX, 2018 ; XXXX XXXX, 2018.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX XXXX XXXX Sunday, XX/XX/XXXXXXXX  Federal Trade Commission Consumer Response Center XXXX XXXX XXXX , XXXX XXXX  , DC XXXX Re : Incorrect Listing of XXXX  XXXX Bankruptcy on Credit Report Dear Sir/Madam , I am writing to formally request the removal of an inaccurate XXXX XXXX Bankruptcy listing from my credit report. 

According to my personal records and as confirmed by the USBK Court XXXX California, my bankruptcy was dismissed in XXXX of XXXX. Here are the relevant details of the court : USBK Court XXXX California XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Upon realizing the complications of my financial situation, I consulted my legal representative and decided not to proceed with the bankruptcy. He subsequently dismissed the filing, for which I was billed. However, to my surprise, this bankruptcy still reflects on my credit report, even after its dismissal over five years ago. 

The implications of this error are significant. Im XXXX XXXX XXXX fXXXXXXXX  and just recently, while trying to secure rental accommodations alongside my son, I became keenly aware of how this incorrect listing is hampering my ability to secure credit at reasonable terms. It is adversely affecting my credit score, undermining my financial reputation, and creating undue challenges in my personal and professional endeavors. 

I kindly request your assistance in investigating and rectifying this matter as a matter of urgency. I am more than willing to provide any documentation or additional information you may need to expedite the process. The correction of this error is paramount to ensuring the accuracy and fairness of my credit report, which is integral to many aspects of my life. 

I look forward to a prompt resolution of this matter and thank you in advance for your attention to this serious issue. 

Please feel free to contact me at XXXX should you need further information. 

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

My two credit card accounts with American Express were opened XXXX XXXX, XXXX  XXXX and XXXX. I set up automatic payments with the company. Everything was fine until around XX/XX/2017 when I told AMerican express, via phone, that my bank account on file experience fraud and I had to change the payment account with american express to another due to this. We changed the payment account over the phone. The next payment was never taken out of my new account. American express kept on trying to take it out of my old account. I did not realize this because they never called me and I set up auto pay with my new account. It took a while for me to realize it. This is when they closed my account in XX/XX/2017. I would like to have the charge off and closed account removed from my credit because this is the fault of American Express. I've reached out to American Express several time throughout the years and tried disputing it with them and the bureaus so I turned for CFPB because no one would listen. I filed a police report and a report with XXXX XXXX. American Express should check their phone records to verify what I'm saying and remove this account from being reported to the 4 major credit bureau agencies.
Product: Debt collection

they are harrassing me calling between 20 to 30 times a day before XXXX and after XXXX pm i have ask them to stop but they use diffent numbers calling
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft. 
these are unauthorize Accounts
Product: Credit card

Good day, I called Citi 's hotline XXXX on XX/XX/XXXX to ask why my XXXX  XXXX card is still showing the {$2700.00} balance which I supposedly transferred to Citi. The first representative informed that XXXX XXXX should have received the payment since it's showing that the check has been cleared. I then called XXXX XXXX at XXXX and the agent told me they do not see any payments. I called Citi the second time and was told I entered the wrong credit card number and that I need to reach out to XXXX  XXXX and ask them to find where the payment went. I then called XXXX XXXX and was told they can't initiated an investigation since they are not the ones that did the balance transfer. I called Citi the third time and was told the same thing on my second call attempt. Called XXXX  XXXX again begging and crying for help since I kept being tossed around without any concrete resolution. Unfortunately, I was denied assistance again. Tried calling Citi again and spoke to an agent that I felt like tried to go an extra mile. She said she will start an investigation and there should be an update on XX/XX/XXXX. She told me to call XXXX XXXX again and tell them to provide information in case Citi calls them. I called XXXX XXXX and they said they can't grant that information request from a third party. I called Citi today and was told that I should have received a letter about the investigation on XX/XX/year>. I said that can't be right and I did receive a letter but it's just a confirmation of the balance transfer last month. He gave me other misinformation and finally put me on hold and told me that the investigation is still going through. I am filing a report now because I just don't feel assured that this will be resolved in a timely manner. I am now paying both credit cards with {$2700.00} each plus the interest it will incur. This is really a nightmare. I hope you can help me. Please. Thank you so much.