23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX has a sale date on her home set for XX/XX/2015. A completed thorough investigation on the above mentioned client/ borrowers ' property with regards to requesting the true identity of the " Beneficiary '' and the true " Party of Interest '' has been done.The comprehensive title report " Chain of Title '' and/or " Foreclosure Validation '' show the following error ( s ) have occurred during the foreclosure process.The comprehensive title report " Chain of Title '' and/or " Foreclosure Validation '' show the following error ( s ) have occurred during the foreclosure process.Cal. Civ. Code 2923.5 states a notice of default recorded pursuant to Section 2924 shall include a declaration that the mortgage servicer has contacted the borrower, hast tried with due diligence to contact the borrower as required. The notice of default, document number XXXX, is invalid as the servicer did not contact the borrower in person or by telephone in order to assess the borrower 's financial situation and explore options for the borrower to avoid foreclosure. The notice of default, document number XXXX, is invalid as it had passed the 90 days before issuing the notice of trustee sale ( document number XXXX ). Furthermore, XXXX XXXX has reached out to Nationstar on numerous occasions for assistance. The inability of Nationstar to receive a simple facsimile, email, or simply maintain a file is inexcusable. Most recently, our office has repeatedly sent in information to Nationstar and they claim they did not receive the documents. By unreasonably and unnecessarily delaying the assistance request, XXXX XXXX continues to get farther and farther behind on her mortgage payments. Practically speaking, it can only be inferred that Nationstar has pushed XXXX XXXX farther into delinquency and foreclosure. The events described above are just a sample of the practices that are taking place at Nationstar. Nationstar appears to be more interested in foreclosing on homes and fire selling them at auction to make a profit. It appears that Nationstars lack of participation in following CA. Civ. Codes indicate a preference to profit directly from her hardships. XXXX XXXX is XXXX and it is apparent that Nationstar has discriminated against XXXX XXXX by refusing to review her file for assistance to retain her home. At this time we are requesting that the sale date be postponed, or Nationstar and XXXX XXXX XXXX XXXX will be named as defendants District Court Complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of purchasing a new home for me and my family. Please remove all the fraudulent accounts from my credit report as soon as possible
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U. S. C. section 502 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't furnish a account without my written instructions.
Product: Debt collection

Re : Dispute of Account Information Account : CREDIT COLLECTION SERV - XXXX Original Creditor : XXXX XXXX XXXX 

Dear Sir/Madam, I am writing to formally dispute the accuracy of the information reported for the account listed under CREDIT COLLECTION SERV, with account number XXXX, in my credit file. As required under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation into the accuracy of the reported account details. 

Specifically, I dispute the following inaccuracies and discrepancies : 1. Account Information : The account is listed as a collection account with a {$260.00} past due balance as of XX/XX/XXXX. The reported balance of {$260.00} as of XX/XX/XXXX does not match my records or understanding of this debt. I request verification of the balance, as well as supporting documentation confirming that this debt is accurate and properly attributed to me. 
2. Date Opened : The account indicates that it was opened on XX/XX/XXXX. I have no recollection of receiving any communication from XXXX XXXX XXXX or being made aware of this account at the time it was opened. Please provide details regarding how and when this account was initiated. 
3. Payment History : There is no indication of payments made or payment history on this account, yet I have no record of having been contacted or notified about this account prior to its reporting as a collection. I request a full and clear payment history, including proof of any communication regarding this debt. 

As required by the FCRA, please investigate this matter promptly and correct any inaccuracies. If the information can not be verified or validated, I ask that this account be removed from my credit file entirely. 

Please send me a written response indicating the results of your investigation, including any documentation that substantiates the accuracy of this account, or confirmation that the information has been corrected or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with ( Equifax, XXXX, XXXX ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 my phone and wallet were compromised which resulted in someone accessing my Coinbase account and transferring all funds ( approximately {$900.00} in crypto-currency ) to their account. This transaction happened around XXXX XXXX on XX/XX/2022. I attempted to call Coinbase twice ( once at XX/XX/2022 and a second time on XX/XX/2022, where they said although they understand there were unauthorized transactions, there is nothing they can do about it ). The second time I called they said that I could file a complaint and hung up on me stating that " it was disconnected " on a follow up email, even though they have my number as a callback and said they would reach back if disconnected. I filed a police report on XX/XX/2022 as I also had money transferred from my checking account in the amount of {$1300.00} from the same person that compromised my Coinbase wallet and they said there was still nothing they could do about it.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate accounts appear on my credit report with no explanation. I review my credit report consistently, but today I found discrepancies that werent there before. I tried refreshing the page, hoping it was a technical issue, but nothing changed. Im now asking that the documents I submitted be carefully reviewed so I dont have to face this stress again.
Product: Mortgage

Our mortgage was transferred from XXXX to Rushmore Loan Management at the beginning of XXXX. We received a request in XXXX for our HOA condo insurance declaration, which we submitted to Rushmore 's vendor imcovered.com/rushmore. I uploaded the hazard insurance declaration and received an email confirmation that it had been successfully verified. 

In early XXXX I received another notice asking for verification and again uploaded the hazard declaration to imcovered.com/rushmore. Again I received a confirmation that it had been successfully verified. 

On XX/XX/XXXX I received a letter from XXXX stating that hazard insurance had been added to my account and I needed to pay an extra {$120.00} starting in XXXX! I spoke with " XXXX '' in the insurance department and was told they couldn't verify the insurance from the declaration, so I gave them the number of our insurance agent and he said he spoke with them and verified our coverage. 

Afterwards, we received a letter stating that our payments starting in XXXX included the insurance premium of {$120.00}! I called and spoke with " XXXX '' who said we needed to provide our personal condo policy declaration page, which I did. Today I received a letter that we were receiving no refund and on the phone, " XXXX '' said we owed {$580.00} for the " time the policy was in force at the beginning of the year. '' This is extortion! We proved that our policy was in force since XX/XX/2019 and I don't know if this is some kind of collusion between Rushmore and " XXXX XXXX '', their insurance carrier, but it is not a productive way to maintain customer service.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto lease with XXXX XXXXXXXX XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Experian and XXXX Credit Bureau with no successful resolution. There was definitely an error on their part. 

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

Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on and I noticed a bunch of unauthorized credit inquiries had been made. 

I contacted the companies, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into the following inquiries on my credit report to determine who authorized the inquiry. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX, and XXXX XXXX Inquiry : XXXX XXXX, XXXX. Once your investigation is complete, you find my allegation to be true, please remove the inquiries and send me an updated copy of my credit report. If you find the inquiries referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 items 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 in my file : XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$10000.00} ; XXXX  XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached PDF.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were charged off. Upon reviewing my current credit report, the accounts have been repeatedly updated as a charge off every month. My understanding is that charge offs should not have an active payment history. This is not legal as it unfairly manipulates the statue of limitations. Ive disputed this multiple times with XXXX and Equifax and they have not responded nor removed the accounts. One account in particular XXXX I paid it off but then in XXXX of XXXX they updated the account by adding late payments made in XXXX which dramatically reduced my credit score. The account was closed but when I sent them a dispute letter they added late payments from XXXX. XXXX should not have went in a closed/paid off account and added late payments from XXXX. 
I am requesting that the following accounts be deleted immediately : XXXX Acct # XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX
Product: Payday loan, title loan, personal loan, or advance loan

First of all, Im a senior citizen living on a limited income from Social Security only. 
I contacted National Debt Relief to clean up my credit report XX/XX/XXXX. 
The Debt showing on my credit report was {$26000.00}. National Debt Relief immediately starting debiting my account for {$230.00} twice a month on the third and the XXXX, which was very much a hardship for me. NDR was able to Negotiate my debt down to XXXX in XX/XX/XXXX this year my account was transferred over to XXXX XXXX. Thats what a whole Lotta of fees and charges were added on bringing my debt back back up to {$27000.00}. 
XXXX XXXX immediately started doubling my account twice a month for {$240.00}. At this point Im Struggling to take care of myself.
Product: Mortgage

XXXX XXXX ( XXXX  # XXXX ) with Guaranteed Rate Affinity started by submitting the mortgage application for me and entering the wrong ethnicity as I am XXXX. I made him aware of the error and he said I had to sign before he changed it. I checked several times over the week and it still showed XXXX. In addition, he continued to push me off for loan terms just to get an approval and then told me to wait until 30 days until closing. Then we asked for options and he sent emails that had no clear idea of what options we had so we then we chose to move to another lender as he does not have good/clear/informative information. He made me feel that I would get approved only if I was XXXX  based on the application and his brush off of my ethnicity. In addition, he has continued to harass me when I chose not to move forward with his mortgage terms even when I clearly outlined why we moved in an email, yet he continued to harass me with calls and emails. Then he sent emails to another person with my information, which puts my information at risk. Lastly, i was under contract for a house purchase and selling of my home which fell through because the buyers got cold feet four days before closing. The realtor from the home I was trying to buy contacted XXXX KNOWING we went with another lender, to inquire about the approval for a loan and he said he was not aware as he had us ready to close. He is not the lender and had no right to claim anything and should have told the realtor he was not the lender, but instead said he had our loan was approved and ready to close ... which is false since we sent several emails canceling him as a lender. He was also not aware that we could not get approved for XXXX mortgage loans as we had to sell our house for the terms we needed and I feel he retaliated against me and my partner with telling the realtor that we are approved with him. He is unprofessional, put my information and my partners information at risk by sending personal information to someone else, harasses me to go with him telling me how he is disappointed... which suggests that he is disappointed in me, and then retaliates to mess up my termination of a home so I lose my earnest money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX received call at my work wanting to verify someones employment information. I asked who and she said my name, I said what, I have not applied for any loans. The lady name was XXXX and she sent me to fraud department. I immediately called credit agengys to put fraud alert on. Saturday XXXX still had inquires so I set up accounts with all 3 credit agencies and froze my credit. The thief has since tried to access my XXXX account online and it is no locked and no one there will help me. I have called everyday. These are companies that pulled my report and I have contacted each one and let them know it is fraud XXXX XXXXt XXXX XXXX XXXX XXXX Tx XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received {$1200.00} in my Venmo account on XX/XX/2021. 

Since then, I can not transfer this money to my account or any other user. I have reached Venmo 7 times since then, and they have requested by drivers license which I have promptly supplied however the issue persists. Sometimes they say I need to add a bank account or debit card, however the app does not allow me to do that anymore. 

It is clear that Venmo is withholding my money. It has been 5 months.
Product: Credit reporting

I have called Transunion credit agency and asked why is my credit score so much lower than the XXXX other agencies. I was explained to by a Transunion Rep " that they are allowed to use a different scoring system than XXXX or XXXX ''. Transunion credit score is always lower therefore causing me to pay more for items I chose to purchase. 
Why is Transunion allowed to score much lower and different? Most creditors use Transunion for credit in my dealing. I asked if I could close my file with them the Rep said no. I paid over XXXX for my credit score back in XXXX 2016. I have not receive it.
Product: Debt collection

Mercantile Adjustment Bureau has continuously called, texted and emailed me at all hours of the day and days of the week. This was a debt that occurred in XXXX  and has since fallen off my credit report. They are the most recent debt collector to harass me over this debt. I have tried disputing the debt and settling with the original company, XXXX XXXX and was ignored. The reason for disputing is I only owed them {$80.00} and they were charging outrageous fees with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX in regard to this incident. Please investigate these matters and remove the disputed items as soon as possible. 

Please remove the inquiry below : XXXX XXXX, XXXX - XX/XX/2021 2021
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. 

ACCOUNT : XXXX ( XXXX ) ACCOUNT : XXXX  XXXX ( XXXX ) ACCOUNT : XXXX XXXX ( XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section2, also states a consumer reporting agency can not furnish an account without my writing.

15 U.S.C. 1681 C ( 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.
Product: Credit card or prepaid card

I applied for a Chase Freedom Unlimited credit card in XX/XX/XXXX. One of the perks of the card was 5 % cash back on grocery purchases for one year. I was approved for the card and when I received the card it did not include any information regarding the 5 % cash back on grocery purchases, so I called Customer Service. The Customer Service Representative assured that I would be receiving the 5 % cash back on grocery purchases, so I was satisfied at that point. 

When I received my first statement ( Opening/Closing Date XX/XX/XXXX - XX/XX/XXXX ) it listed 10 grocery purchases totaling {$170.00}. There was no 5 % Cash Back for Groceries listed. I called Customer Service XX/XX/XXXX. After describing everything I have said above, then a long wait on hold, the Customer Service Representative said that I did not qualify for the 5 % Cash Back on Groceries. I said that in the form that came with the card, Chase indicated my XXXXredit score was XXXX, why would I not be qualified? She did not know. Also, the promotion for the card said nothing about qualifying separately for the 5 % Cash Back on groceries. That was just one of the perks if you qualified for the card. 

I called again on XX/XX/XXXX. After describing everything, the first Customer Service Representative I spoke to transferred me to another Representative. After explaining everything again, he said the 5 % XXXX Back on groceries was not a perk on my card. 

I told that Representative that if you look at the current Chase offer for the Freedom Unlimited card ( https : //creditcards.chase.com/ ) it is the same as it was when I applied except the 5 % Cash Back is now on gas station purchases, CHASE FREEDOM UNLIMITED CREDIT CARD {$200.00} bonus plus 5 % gas station cash back offer Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening. And earn 5 % cash back on gas station purchases on up to {$6000.00} spent in the first year. 
Earn 1.5 % cash back on all other purchases No Annual Fee He did not change his position and he said that he was the last person I could talk to.