23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX, I obtained equity line of credit from XXXX  XXXX XXXX. I was making payments until XXXX when I filed chapter XXXX bankruptcy in attempt to redeem a different property the XXXX XXXX XXXX staffs fraudulently sold. In XXXX, XXXX  XXXX XXXX without notification transferred the equity line of credit with a balance of about {$25000.00} to XXXX XXXX and investor simultaneously obtained the mortgage. Still on bankruptcy, there was no monthly statement received to request for payments because of the active bankruptcy. In XXXX, my attempt to redeem the property that the XXXX XXXX XXXX staff sold. I requested for voluntary dismissal of the application. Shortly the investor/XXXX XXXX, XXXX, not in its individual capacity but solely as trustee for the XXXX Trust, Series 2016-CCT filed a foreclosure action and obtained a judgment on pleading in the amount of about {$43000.00} around XX/XX/XXXX. I communicated with XXXX XXXX to pay off the equity line amount. Suddenly, I began to receive communications from Rushmore Loan Management Service threateningly to foreclose. I offered {$3000.00} and {$40000.00} as full settlement but each offer was rejected. I applied to be considered for modification but the manager called XXXX and XXXX considered to be my contacts persons had interest to sell the property to themselves or some investors they know. I filed a complaint with the company and contacted housing counselor to help resolve the problem. The housing counselor XXXX XXXX XXXX contacted Rushmore LMS and forwarded offer for {$28000.00} because about {$12000.00} repairs has been completed in the home. I intend to take possession as soon as some other repairs are finalized. On XX/XX/XXXX, I called to request if the offer was accepted. The offer was denied and received a final postponement of sheriff sale dates to be on XX/XX/XXXX. Currently, Rushmore LMS demands for {$62000.00} as of XX/XX/XXXX. I forwarded a request for explanation of how the equity line of about {$25000.00} as at XXXX has gone that high from XXXX to 2021.No explanation was received. I want help to stop Rushmore LMS from creating accounts to increase the balances of the equity line of credit and advise the attorney representing Rushmore LMS from identifying the loan as executed mortgage dated XX/XX/XXXX. It was equity line of credit of {$25000.00} I obtained from XXXX  XXXX XXXX on XX/XX/XXXX payments was made on the equity line of credit until XXXX at the time I filed XXXX XXXX XXXX Rushmore LMS and investorXXXXXXXX XXXX XXXX, not its should please accept the {$28000.00} recently offered on my behalf by housing counselor as full settlement or counteroffer. Otherwise, I demands for detailed explanations of all the charges appearing on the payoff statements that made up {$63000.00} requested as payoff as of XX/XX/XXXX, recognizing that insurance was paid by me prior to XXXX and XXXX was paid in full by me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I had did my daily check on my credit score and I noticed it went down XXXX points. So checked my report and saw that there was a hard inquiry placed on my report. There was a credit card application for XXXX  XXXX on the XXXX I didnt do the application.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXXX DATA BREACH. PER 15 USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/year>
Product: Prepaid card

I APPLIED FOR XXXX SHARE WITH XXXX  IN XXXX. I GOT APPROVAL ON XX/XX/XXXX AND DID NOT RECEIVE ANY DEBIT CARD AS I WAS TOLD I WOULD. I WOULD CALL BANK OF AMERICA AS THEY ARE THE CARD PROVIDER BUT THEY WERE REQUESTING CARD NUMBER EVERYTIME I WOULD CALL. I COULDNT REPORT THE CARD LOST OR STOLEN SINCE I HAD NO KNOWLEDGE IF THE CARD WAS SENT OUT OR NOT. ON XX/XX/2023, I RECEIVED A LETTER FROM BANK OF AMERICA STATING I CHANGED THE PIN NUMBER AND LETTER WAS SENT AS A COURTESY/CONFIRMATION, IT STATED IF I DIDNT REQUEST AND SUSPECTING THE CARD WAS STOLEN TO CALL THE NUMBER ON THE DOCUMENT. WHICH I CALLED RIGHT AWAY, I NOTIFIED THEM THAT I NEVER RECEIVED MY CARD AND DID NOT REQUEST A PIN CHANGE. THAT IS WHEN I WAS ADVISED THAT {$500.00} WAS RETRIEVED FROM A XXXX XXXX. I STARTED A FRAUDULENT CLAIM THE SAME DAY, UPDATED ALL MY INFORMATION ON THE ACCOUNT AND WAS PROVIDED A NEW CARD WITHIN 2 DAYS. I WAS ALSO ADVISED TO WALK INTO A BOA BRANCH AND PROVIDE MY PHOTO ID SO THEY CAN DOUBLE CHECK THAT IT WAS NOT ME WHO RETRIEVED THE MONEY FROM XXXX AND IT WOULD TAKE ABOUT 90 DAYS TO GET A RESPONSE. ON MONDAY XX/XX/XXXX, I CALLED TO GET AN UPDATE TO CHECK IF MY PICTURE ID WAS RECEIVED AS THEY ADVISED. THATS WHEN I WAS NOTIFIED THAT MY CLAIM WAS DENIED. REASON I WAS GIVEN WAS THAT THE RESEARCH DEPARTMENT DETERMINED I GAVE APPROVAL TO CHANGE PIN AND RETRIEVE MONEY. I ARGUED AND INSISTED THAT I DID NO SUCH THING. ON TUESDAY XX/XX/XXXX, I ASKED THEM TO REOPEN THE CASE SINCE I FELT THE RESEARCH DEPARTMENT DID NOT THOROUGHLY CHECK. I CALLED THE POSTAL SERVICE AS WELL TO OPEN A CASE INTO MY MAIL BEING STOLEN. THEY WERE MORE HELPFUL THAN THE BANK AS THEY SAID THEY WOULD SEND ALL INFORMATION I PROVIDED TO THEIR FRAUD DEPARTMENT. I CALLED BOA AND PROVIDED THE CLAIM NUMBER FROM POSTAL SERVICE.
Product: Debt collection

The collector debt company Name EOS/ CCA XXXX I think they are Fake collection agency because they send me the collection notice that I owe money frome XXXX XXXX cable company at the address that I do not live in or have anything to concern about the service XXXX.
Product: Student loan

I was proactive in getting everything ready for student loans. I linked my tax information, I filled out the application and I followed up with Nelnet to confirm I was set. They said yes. Then they inform me my payments will be over {$500.00} because my application was completed so I did it again. I waited and checked again to find it still was {$500.00}. I called and they said I need to fill out the application again. So I did. I explained I couldnt afford {$500.00} each month and they said we can set it to I think {$250.00} and I agreed. They then apparently put me on forbearance while they fixed the issue and put me on the SAVE plan. For two months my payments were {$5.00} and then I had a payment of {$210.00} so I thought they fixed it. I discovered this week they pulled {$710.00} out of my account. Theyre saying its because I was on forbearance and that not all my loans were consolidated so I didnt have all loans on SAVE plan. I had to pay my bank {$30.00} to cancel the payment and now my student loan account shows Im {$1400.00} past due. I called again today and they said itll take 30-60 days for this to be resolved. So I asked if theyd then be taking another {$700.00} out of my account and they informed me that the only way to prevent it is to go on forbearance again. This is affecting my physical well-being, mental and financial. I have done everything in my power to set this right and Im getting penalized. I tried speaking to a supervisor but they told me Id have to wait on hold for an hour. I have no control of this situation and Im doing all I can to make things right. They are negligent in their duties and theres no accountability. Ive also received no correspondence from them as to what they are doing to fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING LLC is currently reporting an inaccurate account on my consumer report attempting to collect an invalid balance of {$260.00}. Ive disputed this account Via certified mail and requested debt validation ( see attached file ). Pursuant to 15 USC 1692g, LVNV FUNDING LLC failed to send me a notice of debt/debt validation and is illegally using my consumer report to advertise a debt in attempt to collect the alleged debt being reported. I have no obligation to pay LVNV FUNDING LLC and Im demanding them to remove the collection account from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 XXXX XXXX XXXX credit its closed but the reason is CONSUMER DECEASED.i was pay off and no balance.
Product: Debt collection

I received a response from XXXX XXXX XXXX on XXXX XXXX. Account ending XXXX. XXXX XXXX. Im once again Informing you that I do not recognize this fraudulent account nor do I admit to any responsibility without proof of the contractual obligation. Therefore, as is my right under the fair credit reporting act 609 ( 5 ). Im requesting. The bill of sale, and all billing sales. Im also requesting proof that they are the original due holder In the course of this debt. Im requesting that you show proof of where you bought this debt. Im requesting proof of counter records and The proof I opened this debt Until this present time. Im requesting that You show the original contracts with this company that created this debt, bearing my signature and authorization, and all documents associated With this debt. Im requesting your method of verification Pertaining to those documents As is my right per fair credit reporting act 611 ( 5 ) ( a ). I am informing you that your offenses amount to aggravated identity theft Pursuant to 18 U.S.C.~1028A. You have knowingly transferred, Possessed, or used without lawful authority, a means of identification of me, which is a felony punishable with up to two years of imprisonment, in addition to civil liability. Pursuant to 15.U.S.C.~1681n ( a ), Any person who knowingly and willfully obtains Information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, Imprisoned for not more than two years, or both. Consumers suffer harm When consumer reporting agencies and furnishers of information Allow fraudulent activities to persist without proper authorization from the consumer. These harms include, The invasion of consumer privacy, emotional, physical, and Economical harms. Ive been hindered from establishing new lines of credit and credit lines of increase because of your willful violation of the fair credit reporting act. Therefore, Im demanding these accounts be blocked and deleted because they dont belong to me. Im attaching proof of my incarceration As well as my federal prisoner ID, Federal Trade Commission identity theft affidavit.. I have attached letters from government agencies with post office stamped dates during the times that this fraudulent account was opened. Im once again, giving you the opportunity to follow the laws required and do the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUEST A CREDIT REPORT FROM ALL THREE CREDIT BUREAU 'S AND IT'S A BANKRUTCY ON THERE FROM TRANSUNION AND XXXX. SO I DISPUTED IT BOTH CAME BACK VERIFED SO WHAT I DID WAS GO TO THE BANKRUTCY COURT AND ASK HOW IS THIS ON MY CREDIT REPORT AND THEY SAY THEY NEVERED REPORT MY INFORMATION TO NO CREDIT BUREAU 'S PLUS I HAVE THE PROOF. ALSO I SAW A PLACE CALLED XXXX XXXX ON MY CREDIT THAT XXXX  AND TRANSUNION SAY THEY GOT THE INFORMATION FROM WHICH IS ILLEGAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ACCOUNT # XXXX THIS ITEM IS UNVERIFIED ACCOUNT. Company has NOT provided any original documentation that you have on file required under section 609.
Product: Mortgage

I have been approved for HAF benefits, but no payments have been made or payments made have been consistently late - now affecting my credit rating.
Product: Debt collection

Hello I found an open collection account listed on a recent Credit Report which i obtained using XXXX and XXXX XXXX. I attempted to research the company, Enhanced Recovery ( ERC ) using XXXX. I found that this company does not have a website, which raised my eyebrows about the legitimacy of this collection. I called the original creditor ( XXXX XXXX XXXX ) to find out more. XXXX XXXX has NO RECORD of my name or social security number in their system. They told me to try to find a number for the Collection agency so I called the number on my report. The person who spoke with me did not inform me that I could dispute this debt, that I had any right what so ever to challenge the facts of the debt. I asked for him to send me a letter to verify the facts of the debt. They ended up sending me a " summary of the payment agreement. '' I can assure you I did not agree to pay them anything, especially when I had no information about why they had this debt and did not share with me my rights. Then they somehow assumed I had agreed to pay them in full without those words ever coming from my mouth. 
I Believe this is deceptive and illegal and furthermore, an immoral practice, especially coming from a company that is doing its best to hide their identity by not having a website or any contact information readily available to the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some years back my wallet was stolen that had my license, social security card, and bank information in it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX gave a legitimate claim to Helvy & Associates on XXXX from a electric utility invoice associated with a investment property sale. They claim 2 notices were sent along with a VM left for a {$110.00} invoice. 

Helvy & AssociateXXXX made no reasonable attempt to collect this debt in good conscience. They pinged my credit for collection of a {$110.00} debt without attempting to collect. When I was made aware of this on on XXXX, I immediately sufficed the debt and asked them to remove this collection due to the nature of circumstances. This was not done. This has severely adversely, effected my ability to gain credit in a matter of days, dropped my score by XXXX points, and without cause. 

In short, they are illegally placing items on credit collections, without attempting to collect the debt. This is my only collection and has no jeopardized a XXXX XXXX dollar commercial loan obligation. Please help.
Product: Mortgage

please help me my mortgage company approved for a loan modification however i noticed that my original loan balance was {$390000.00}. Now as of today i received the final modification agreement stating that my loan amount is {$390000.00} and they also adding {$280000.00}. for no reason. 
Bank of America is trying to take advantage of me and my family. We called Bank of America seeking help due to our hardship and it is not fair that because our hardship Bank of America is taking advantage. 


PLEASE HELP!!!!!
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a few inaccuracies on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have inaccuracies reporting on the following accounts : Account Name : XXXX XXXX  Account Number : XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these inaccuracies be removed from my reports. 

Signed : XXXX XXXX
Product: Checking or savings account

Reopen closed case involving Wells Fargo Bank Below is a copy of the correspondence sent to Wells Fargo. Customer Service Department Wells Fargo : I am writing to address a matter of significant concern regarding my account with Wells Fargo. It has come to my attention that unauthorized activities have occurred on my account, including enrollment in various banking products without my explicit consent continues. I want to stress that I did not authorize Wells Fargo or any of its partners to monitor my credit, share my information with other entities, or enroll me in any additional services. It is deeply troubling to discover that my privacy and autonomy have been compromised in such a manner. I continue to receive notifications about changes to my account. This ongoing breach of trust has caused me significant distress and inconvenience. I recalled years back both my daughter and I received notification regarding a Class- Action Suit, and submitted a claim, but never received information on its resolution. I am aware of the Retail Sales Practices Remediation Program and believe that both myself and daughter ( I was co-owner on her acct ) are eligible for compensation as a result of the unauthorized activities that have occurred on the accounts. I have been a customer of Wells Fargo for over 20 years. I am formally requesting that Wells Fargo take immediate action to rectify this situation and provide me with the compensation that I believe I am entitled to under the Retail Sales Practices Remediation Program, and immediately cease Credit Monitoring Services. I trust that Wells Fargo will handle this matter with the urgency and seriousness it deserves. I look forward to receiving confirmation that my concerns have been acknowledged and addressed promptly. 

Representative XXXX XXXX indicated since I was finally able to cancel services, XXXX unable to established when services started and therefore denied any compensation associated with companys illegal practices.

Ive attached one if the emails I received from Well Fargo in XXXX. Normally emails older than 1 year are deleted. Im working in retrieving older emails that clearly delineated WF involvement in these illegal practices spanning years back.
Product: Credit card or prepaid card

destiny credit card company is reporting inaccurate information to all three credit bureaus They are over charging high interest rates and extreme late fees. ( for example if you have a initial credit of XXXX and you miss a payment or don't make more than the minimum amount required. They still report late and over charge. so you will end up paying XXXX dollars for a XXXX card limit. This creditor grantor was misleading and promoting false advertising. This company is suppose to help rebuild credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Summary : Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.Criminals took advantage of a " U.S. website application vulnerability to  gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
How it relates to me : I used the site www.equifaxsecurity2017.com to check if I had potential impact. I did not sign up for their credit monitoring service following the check. I got the notification that " Thank You -- Based on the information provided, we believe that your personal information may have been impacted by this incident ... '' which means my information was indeed stolen. This is a violation of my credit report data because Equifax stored my data improperly, resulting in the ability for the hackers to steal it. As far as I can tell, my ( and others ) data was stored in plain text and not encrypted.
Product: Credit reporting or other personal consumer reports

I " XXXX XXXX XXXX XXXX  have noticed late payments on my consumer report that must be removed and deleted. Within addition, I request a new update with the credit cards reporting payments on time. According to the law FCRA 15 USC 1681 a 2Ai. ( 2 ) exclusions. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The credit bureaus have violated these consumer laws and must be held accountable for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting duplicate Hard Inquiries reporting on my credit report, I have repeatedly disputed these duplicate entries to be removed with no change :   XXXX   XXXX   XXXX   -   XXXX   hard Inquiries reporting   XXXX / XXXX /2016 and  XXXX / XXXX /2 016, I have requested   XXXX   of these inquiries be removed as it is a duplicate entry.
  XXXX   XXXX   -  XXXX  hard Inquiries reportin g   XXXX  / XXXX /2016 and  XXXX / XXXX /20 16, I have requested   XXXX   of these inquiries be removed as it is a duplicate entry.
  XXXX   XXXX   -  XXXX  hard Inquiries reporting   XXXX / XXXX /2016 and  XXXX / XXXX /2016 , I have requested   XXXX   of these inquiries be removed as it is a duplicate entry.
  XXXX   XXXX   -  XXXX  hard Inquiries reportin g  XXXX / XXXX /2016 and  XXXX / XXXX /201 6, I have requested one of these inquiries be removed as it is a duplicate entry.
Equifax is reporting duplicate Collections reporting on my credit report, I have repeatedly disputed these duplicate entries to be removed with no change :   XXXX   XXXX   XXXX   -   XXXX   collection reporting   XXXX / XXXX /2016, I  have requested  XXXX  of these collections be removed as it is a duplicate collection.
  XXXX   XXXX   XXXX   XXXX   -   XXXX   collection reportin g  XXXX / XXXX /2016,  I have reque sted   XXXX   of  these collections be removed as it is a duplicate collection.