23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX CFPB and XXXX XXXX content ( online complaint ) Describe what happened : I am a 100 % XXXX veteran with a VA mortgage loan through Loan Depot. I struggled with XXXX during Covid lockdowns and ended up having to resign from my private sector job. This led to me falling behind on the mortgage loan. I communicated with Loan Depot and told them the situation and asked if they could help. They told me I could apply for a loan modification, and I have spent the past 5-6 months sending and re-sending the same documents to them repeatedly without ever being considered for any help. They did not offer me the CARES forbearance, they did not offer any type of medical hardship forbearance and they have never reviewed my ability to pay. They refuse to accept the mortgage payment and I fall further and further behind and Loan Depot says I have to pay all the missed payments at once if I want to keep my house and foreclosure. 
I bought my home in XXXX. At that time I was working in the private sector as an IT engineer and making a good income. I started struggling in XX/XX/XXXX with XXXX associated with my service but also due to XXXX and the pandemic and how it was affecting my family. I kept working and paying my bills but my condition was getting worse. I early XXXX I was struggling and ended up having to be hospitalized due to the effects of the XXXX  and XXXX and XXXX. In XX/XX/XXXX I reached out to the VA to report my condition and request additional medical benefits and after they evaluated me they told me I was no longer allowed to work and could not leave my home on my own. I was sometimes going into " combat mode '' while in public and it was a bad situation. The following month I was unable to make the mortgage payment and contacted Loan Depot to explain what was going on. They said I needed to apply for a loan modification. I spent the next 5-6 months sending and re-sending the documents to Loan Depot to be reviewed for assistance programs. I was never reviewed, no one looked at my file and I feel they just kicked the can down the road and now I am looking at foreclosure. This is wrong, because our financial circumstances have changed, my benefits were increased by the VA and my wife is working as well. Loan Depot has never evaluated our ability to pay, Loan Depot has never considered us for government programs to help struggling homeowners who need assistance such as loan modification, forbearance, partial claim, deferred principal or repayment plan and instead demand that we make a lump sum payment of full past due amount of $ XXXX or go into foreclosure. 
DESIRED RESOLUTION : We want Loan Depot to make our case a priority and assign a single person to work with us. There are 7 people in our home ( my wife and I and XXXX young children ) and we do not want to lose it. I served my country proudly for 8 years in XXXX and XXXX and unfortunately this has caused me ongoing problems. We can afford a reasonable and affordable solution as our income and situation have stabilized and improved but need Loan Depot to work with us instead of closing the door and demanding all past due balance in one payment
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, and 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: Mortgage

I am a co-applicant on a mortgage with Specialized loan services. They purchased our previous loan. I am not and have never been late. They have added forced insurance even though we have always had insurance. I have attempted numerous times to send them the policy. They continue to say they have not received it. I did an online search and this is a predatory practice for them nationwide. People are losing their homes. The forced insurance is {$8000.00} per year. There is no email, only a fax number and therefore no way to document anything. 

XXXX Specialized loan services XXXX SS # last four of co-applicant XXXX XXXX Acct. # XXXX XXXX XXXX XXXX XXXX XXXX, In. XXXX is property address on file
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau 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 supposed to modify or delete accounts that aren't reporting correctly. 

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

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I am buying a house. I am a loyal customer of XXXX financial services for many years since XXXX. I have leased XXXX each time for XXXX years lease terms and my payments were always on time with no problems. They reported that I was late in XX/XX/XXXX. Nobody informed me. All they did was just leaving me messages about advertisements or to come in and get a new auto lease. I also paid them and they informed me that their system was down which caused more delay of the payment. I explained to them the situation of being a loyal customer since XXXX and that XXXX never had a problem with their system, but they kept refusing to remove it from my credit report. So not only I paid the following month balance of {$210.00}, but also I did pay all the remaining balance till end of the lease term because I did not trust their system. I did pay everything till XX/XX/XXXX, which is the maturity date, a few month ago and the balance has been XXXX since then. I asked XXXX to remove the negative credit report that they submitted to credit bureaus on my behalf but they denied it. I was going to buy a house in XX/XX/XXXX but my credit score came down so tremendously, that I could not apply for a loan to buy a house. I have XXXX sick children and I am a single mom and this added more problems on my shoulder especially during this difficult time of Covid-19. XXXX of my children are very sick and buying a house for them is extremley essential. I do appreciate if this negative credit report could be removed asap from my credit, since it is the only negative report which brought my score down. Thank you very much. Please feel free to contact me if you have any questions. Thank you.
Product: Money transfer, virtual currency, or money service

I realized slower than I would have wanted or will ever allow agian. There was a fraudulent charge on my chime bank spending account for {$550.00}. By grace it was discovered before there was any transfer of goods or services. I raised the dispute to the company which the order was placed. Which is a firearms business in FLA. I am a Michigan resident. I also have a felony on my record. So I had to act before there was. A transfer of a good. The order hadnt even been pulled of the shelf. The FLA firearms company where the order was placed was very prompt and the info agent told me within a couple hours of me contacting them to have chime issue a charge back. There is no transfer of good, service or monatary value besides the {$550.00} that I have to wait at least 10 business days before I would be even considered for a supposed " complementary credit ''. I also have to bring up chime support agent hanging up on me when I was expressing the legal troubles that I would get if this oder was placed with my personal name and info with me having a felony record. The agent had no corcenrn of potential legal injuries that could possibly come to their customer thus needing a prompt response. The agent was more concerned with voicing thier baseless bilief that i was someone who was a liar who wanted to get a free order while comitting fraud and they would eventually press charges and shut my account down. The firearms company never even processed the order in house further than the recieving the order. I was able to obtain by my own with refusal for help from chime bank from the info support that there would be no transfer of any service good. To have my company issue a charge back and they would refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

investigation has been more than 30 days with no response. i have reported incorrect information on credit, requesting it be verified or deleted within 30 days. It has been almost 2 months since original writing of letters and still no response via email or address in which I provided. Since the investigation took longer than 30 days ( almost 60 ), a violation of the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) has been made. This violation has affected me from being able to get housing and other assistance highly needed during the rough times of the pandemic. I will attatch proof of letters that include dates recorded for sole purpose of business.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : XXXX XXXX  - XXXX I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNT : XXXX XXXX XXXX Account number - XXXXXXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number - XXXXXXXX XXXX XXXX - Account number - XXXX XXXX XXXX XXXX XXXX  - Account number - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block
Product: Credit card or prepaid card

Attempted to dispute a NON-APPROVED charge on my card. Very little help on website-lots of rerouting and sales pitches, diversions. Eventually reach a rep who then states she has to transfer me again-while on hold the call is disconnected.? 23minutes just to call back and get the same recordings and routing. Did not bother to continue. This compamy has pulled this before and even before that on my mortgage. These delays allow them to add charges for forgotten paperwork, diversions, promises etc. I was stuck with {$60.00} in fees the last time since they continue to charge fees while helping me resolve issues. Why with all this credit card fraud and known illegal billing are they allowed to continue-forcing we customers to enlist a lawyer at higher costs and minimal resolution?
Product: Student loan

I contacted ECSI Heartland to pay the remainder of a XXXX Loan from XXXX XXXX XXXX. They refuse to let me pay my bill. They said that I can not pay it off until XX/XX/2024, in the meanwhile I will be accruing interest and late fees.
Product: Payday loan, title loan, or personal loan

A few years ago I got a loan from Ace Cash Express and I paid it off. All of a sudden they started taking money out of my account, when I questioned them, they said I took out another loan. I have bank statements to prove that I did n't get a loan from them and had my bank reject all requests from them. I told them if they provide me with the paperwork that proves I got a loan out, then I will talk with them about repaying them back. They have not done this and now I am getting calls and threats from random companies phone numbers saying they are going to take me to court and suspend my license. I actually spoke to the " attorney '' ( which I looked up online and could n't find her name anywhere ) and they said they would email me the information showing that I got a loan with them. Never got the email. I said I would gladly review the information with my lawyer if they sent it to me, but they could never get it sent to me. I hate the threatening calls they leave me, but I guess I will just have to keep ignoring them and hopefully they will stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$770.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a bankruptcy on my credit. The courts name are reporting inaccurately and different between transunion, XXXX  and XXXX   and the dates are reporting wrong as well. The original creditor is the Bankruptcy courts and they have communicated with me that they do not report this information to the XXXX XXXX are any other credit reporting agency. i would like to know your method of verification on how you verified this information.
Product: Credit card

Regarding : Credit reporting from Barclays Bank Delaware. 

I do not recognize how this account is reporting to my credit report. This was closed reported as charged off. If this debt has been forgiven, canceled, or settled for less than the full balance, the IRS 1099-C form is required to be filed under 26 U.S.C. 6050P if the amount of canceled debt exceeds {$600.00}. But I have never been provided with a 1099-C form from Barclays Bank Delaware XXXX Everything reported here does not meet the FCRA. Please permanently delete off my credit reports from 3 major credit bureaus ( XXXX, XXXX, XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$810.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$140.00} XXXX XXXX
Product: Checking or savings account

Deposited a check XXXX XXXX XXXXXXXX check with Chase, who I have decades of history with. The check was for over {$200000.00}. They claimed the check was a fraud and never notified me. I found out 2 days later when they not only refused the check but also took away XXXX so my balance was then negative {$200000.00}. They also froze my account and said they scheduled it for closure. 

After 2 trips the branch and also several sessions and hours on the phone with Chase, they were able to call their " verified number '' ( which was not a secret verified number, it was the one on the companies website ). So at that point, the check was verified and Chase confirmed that the account would be unfrozen and that the check was verified and good. They also mentioned that they sent a legitimate copy of the check to me when it was first determined fraud. Yes, Chase told me that they created a new legitimate copy of a check they thought was fraudulent and mailed it to me so I can redeposit. They also claimed they could not track it, but it was coming from Ohio they assured me. 

Three days went by and no check in the mail. I call Chase back and they say the only resolution is to go get a new check from the maker ( who will not issue a new check because Chase has the original and won't give it to me ). Chase claims there is nothing they can do despite it being 100 % their fault for a broken verification system.

So now I have no check, no money in the account, no resolution. We missed payroll, we are almost 3 weeks delayed on starting our project, we can't pay material suppliers. I've spent countless hours and days going above and beyond to fix Chase 's mistake. I have no idea how to get this resolved. My only thought is to get an attorney, which I can't afford.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance Owed : {$11000.00}