23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

As relief from the Country Wide loan fiasco. Bank of America purchased the 2 loans and placed me on an interest only loan. I applied for a modification in 2009. It was completed and I was placed on a step rate loan. ( fixed rate ) the HELOC was sold and the first modified. 
After 2 years amount increased per schedule, BUT was to cap at 4.5 %. Loan continues to increase. Nothing going to principal. B of A changed the loan to a jumbo Arm loan. I did not agree to another interest only loan. No other lender will touch it. Now Im upside down on the loan. I am stuck with 2 loans. I applied for a modification/ denied. Did not qualify. How is this helping me?. I was told by B of A to do a short sale. I have never been late or missed s payment since 2009! I dont want to sell. I have made multiple improvements, upgrades landscaping etc. XXXX XXXX a month is ridiculous. If I could afford that amount I certainly would not live here. Id live closer to XXXX XXXX
Product: Debt collection

This company that identifies itself as ACS I is continuously calling me at an opportunity times as I work from my cell phone. The company is also making harassing calls to others on my behalf. 

If this company believes that it has a valid debt that belongs to me, it may contact me solely at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX. 

Any other method of communication will be deemed harassing and/or a violation of my privacy.
Product: Credit reporting or other personal consumer reports

This is to follow up the presence of these late open accounts inaccurately reflects my financial history and has the potential to adversely impact my creditworthiness and financial opportunities. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. 

This recurring issue not only causes me significant inconvenience but also undermines my trust in your organization 's ability to manage such matters competently and effectively. It is unacceptable that despite multiple attempts, the late open accounts remain unresolved, raising questions about the reliability and accuracy of your record-keeping processes. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open account entries on my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and XXXX has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander is reporting an old account as open and current. It shows a payment of {$3800.00} made to open the account back up fraudulently. The account was closed and charged off and all of a sudden it shows open and current. I have correct documentation on how the report looked in XXXX versus XX/XX/XXXX. This is due to be removed from my credit report in a month. I would like this to be removed now due to inaccurate information and fraudulently activity opposed by Santander.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters on XX/XX/2022 to XXXX, XXXX and TransUnion about unrecognized negative items on my credit report and have not received any Information back. It has been over 30 days. These companies are not complying with their own policies in a timely manner. I sent a second letter XX/XX/2022 asking the companies listed to comply but received no response.
Product: Money transfer, virtual currency, or money service

I took a cashier check from my Money Market for {$75000.00} account on First Bank at XXXX XXXX on XX/XX/2023 and took the cashier check to Chase Bank to open a new account on XX/XX/2023, after I finish the paper work I was told that {$65000.00} of my cashier check were put on hold until XX/XX/2023. The employee told me to call XXXX XXXX XXXX XXXX to get an early release of the hold, I spoke to several employees at Chase Bank and finally spoke to XXXX and his superviser XXXX who told me there is nothing they can do. 
On XX/XX/2023 I call to First Bank and spoke with XXXX, XXXX, then the superviser XXXX XXXX who told me the cashier check has been presente to First Bank by Chase Bank on XX/XX/2023, so I don't understand the reasoning for holding my cashier check.
Product: Debt collection

For the past 2 weeks, consistently, Prime Recovery LLC has been calling and texting my father incessantly. I went on to their website to confirm my contact information with them and requested that they remove any other numbers or contacts associated with my file and to stop harassing my family and friends and it has not stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I applied for a XXXX XXXX Secured XXXX Credit Card. I received an Approved status ( Reference Number XXXX ). I had the funds in my account and waited the 7 - 10 days for them to retrieve them. It never happened then within that period I received a letter saying i was not-approved. I was irritated but after seeing on the news the fraudulent accounts XXXX XXXX created I thought perhaps that was what is was and I was kind of glad the account was n't opened now. Then on XXXX/XXXX/XXXX it was reported that i had a credit card account opened and closed within days. I have repeatedly disputed it wanting it removed. I never received a card or any account information yet it ruins my already struggling credit. It dropped me 30 points they day it went on due to my young aged credit. I would like this immediately removed and an explanation to why this was done. I also do not understand how the CB could let this go on my report with such an incomplete picture.
Product: Credit card

We have a trip booked to the XXXX, through Capital One 's travel Center. They have my wife 's maiden name on the ticket. They are refusing to change it to her married name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 paid the account balance in full and shows placed for collection
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan through XXXXXXXX XXXX was paid off on XX/XX/2023. I sent in a bank statement to all three credit bureaus showing the balance was paid off {$1900.00} on XX/XX/2023 but when the dispute is returned to me it keeps stating nothing has changed and that I still owe the entire balance. and was verified by the lender which I find ridiculous. I am working with a mortgage lender trying to raise my credit score. but this is impending my progress. I need this resolved asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act and finally some misinformation like my name, address, and employer to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Mortgage

This is a continuation of my prior complaint, which was closed without appropriate resolution. 

Reference is made to such prior complaint. 

Moreover, my complaint is that my payment was 30 days late because my payment history in the Mr Cooper mobile application showed a payment being made, when in fact it was not. Had the Mr Cooper mobile application showed my payment was still outstanding, I would have made the payment as needed. Because the Mr Cooper mobile application did not accurately reflect my payment history, the 30 day late notice should be removed from my credit history. 

Likewise, I understand Mr Coopers previous complaint response, but such response does not account for the confusing and inaccurate display of my payment history in the Mr Cooper mobile application. Because my payment history in the Mr Cooper mobile application was confusing and inaccurate, the 30 day late notice should be removed from credit agency reporting.
Product: Credit card or prepaid card

This is not my account They are hurting my credit. I am a victim of identity theft. This company has not and will not provide documents of how they are verifying the account to me. this account is not mine i do not and has NEVER shopped with this company. I have XXXXXXXX XXXX
Product: Debt collection

XXXX XXXX XXXX has added fraud debt to my Credit reporting agency. This information is fraud and have not been validated. I have disputed this debt with XXXX XXXX and got no signed credit agreement showing my signature that I agreed to this debt. Midland has not sent me the signed credit agreement with my signature that I requested and by law when a account is in dispute no negative information is allowed to be on the consumer credit report. This debt was removed a while ago and no it has mysteriously ended back on my credit report.
Product: Credit reporting or other personal consumer reports

After reviewing my XXXX, Experian and XXXX credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Product: Debt collection

I moved out of an apartment at XXXX building ( Owned by " XXXX '', real estate and property management ) in the summer of XXXX, I ended my lease term and moved into a new apartment with no pushback or issues. In XXXX of XXXX, approximately 5 months after my lease term ended, I received a phone call from an individual claiming to be from XXXX corporate regarding a debt I owed in the amount of {$980.00}. This was the first I had been informed of this alleged debt I owed, even though on the phone she claimed there had been multiple letters sent. Due to the little evidence of this being a legitimate debt, and it being the first time I had heard of it, I did not follow up with this individual. On XX/XX/XXXX I received an email from Columbia Debt Recovery LLC, dba Genesis, regarding this alleged debt to XXXX ( email is included in attachments ) This email informed me that the debt increased due to interest {$0.00} due to interest. This email also included all the proper information regarding debt collection. I planned to wait a few weeks and dispute the debt before the deadline on XX/XX/XXXX. On Wed, XX/XX/XXXX I received a text message ( included in attachments ) from what I believe is the same debt collection company ( both use " Genesis '' ) regarding the same alleged debt. However, this message included much less information and used the unfair and deceptive ( and illegal ) practice of threatening to furnish my credit. Not only is this against the law, but it's also completely ridiculous to threaten credit over an alleged debt of less than {$1000.00}.
Product: Debt collection

I recently retrieved my credit report and found out that there is an outstanding {$120.00} balance from my current college, XXXX College, that was apparently sent to collections and has still not been paid off until this date ( XXXX 2015 ). I work at the XXXX and I have reviewed my personal account in detail a XXXX times, and never have I seen an outstanding balance nor any evidence that my account was ever sent to collections.
Product: Debt collection

I noticed on my credit report a company called Jefferson Capital System. Looking into it further, the debt is from XXXX XXXX XXXX for a loan. I have never had a loan with this company, nor have I ever had a loan with any company. The loan was obtained on XX/XX/2015. During this time, I was in XXXX XXXX XXXX XXXX and had no access to be able to obtain a loan. I have no knowledge of this loan.
Product: Debt collection

Experian is reporting a debt under my credit report and has refused to remove it, they have removed several collections to my name but have been continuing to remove this one and have been yet to provide evidence that this debt belongs to me, and NONE of the reported information is accurate. They have shown no contracts, loans, supporting documents, signatures or any other links or evidence to show this debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late paymemt/missed payment and closed account was reported on my credit report during the Covid-19 Pandemic. I had difficulty keeping up with the payment due to being laid off from my job to job. I have tried to find multiple job just from being laid off job to job due to the business closing and not need much workers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , I wrote to  XXXX   XXXX   ( with a copy to Equifax ) a  second time to have them report my loan information to Equifax. They have been reporting to both  XXXX  and  XXXX . This is positive information which would help to increase my Equifax score if it were to be reported.     Neither  XXXX  nor Equifax ever responded to my dispute and now four months later, the problem still exists. I am shortly applying for a large commercial loan and my terms will be negatively impacted if my Equifax score remains significantly below my  XXXX  scores from  XXXX  and  XXXX .
Product: Vehicle loan or lease

XXXX/XXXX is reporting inaccurate information on my credit file. They are reporting a balance of over {$8000.00} and I had the balance down to {$1000.00}. How could it now be 8x the amount I had owed/paid it down to? When I call them nobody can access my account. Nobody can help me & they just transfer me around. This is old & erroneous. How can a company just charge whatever they want!?
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on multiple accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

In XXXX we paid college loan amounts on our son and daughter to XXXX for {$79000.00} and Sallie Mae for {$26000.00} This is {$100000.00} dollars with probably XXXX or XXXX as much in late fees and interest. It took all of our savings. My daughter had some left {$20000.00} left that we could not pay and they are coming after her with late fees and wants {$250.00} a month and said she was in default. She has struggled to find a job in her field and the money she has made goes to her living expenses. This is not fair. At this point we wished we would never of even sent them to college. We raised good kids and to send them to college should not of taken all of our savings and caused her this much stress. I see people doing better that do nothing and live on welfare. We definitely picked the wrong loan company but do n't know what to do now. It has ruined us and now we have to worry about this all over again. She has government loans she is paying back but they are willing to work with her. Sallie Mae is not.
Product: Mortgage

On XX/XX/2021 I was charged {$500.00} as a good faith with JP MorganChase to continue with a mortgage application. We made an offer on a home and that home fell through. 
When we made an offer on another home, I was asked for another {$500.00} for the next application and charged on XX/XX/XXXX. 
I was explicitly told that the first {$500.00} would be refunded to me. This call and all calls are recorded with Chase and they do have these calls on record. 
The Chase lender I had this conversation with was : XXXX XXXX | Home Lending Advisor | NMLS ID XXXX On XX/XX/XXXX, after not having received the refund, I followed up in an email to XXXX and he replied that it needs to go to a manager and then his manager. 
Today on XX/XX/XXXX I was told that the refund was denied and that he had hoped that because of my relationship with Chase that the refund would be approved and that did not happen. 
My complaint is that I was not told that there is a chance it will not be approved. I was told on a recorded phone call that I will be refunded the {$500.00} charged on XX/XX/XXXX.
Product: Debt collection

XXXX XXXX on behalf of First Data Global Leasing made numerous attempts to collect a debt over the course of 4 months. I filed for chapter XXXX bankruptcy protection on XXXX/XXXX/XXXX and had my hearing scheduled for XXXX/XXXX/XXXX. My FINAL Decree was issued on XXXX/XXXX/XXXX. It is my understanding that the initial filing of the petition is meant to stop the debt collection process. Despite me filing on XXXX/XXXX/XXXX, XXXX XXXX still sent the attached collection letter dated XXXX/XXXX/XXXX trying to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Please remove these items in my file : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original XXXX XXXX XXXX XXXX / ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My primary name is wrong see letter enclosed for explanation and my previous addresses are not mine delete them now and other accounts that are not charged off
Product: Checking or savings account

I deposited a check in the amount of {$3600.00} on XX/XX/2023 into my personal checking account through the mobile banking app. Truists XXXX XXXX department suspected the transaction as fraudulent. Truist not only put a hold on the deposit but froze all accounts, including our business account, until the investigation is complete, which can be up to XXXX business days. We can not deposit nor withdraw any of our cash. All of our funds are with Truist. We have no money for XXXX business days. My husband is unable to conduct business until the investigation is complete. I requested proof of fraudulent activity but was told its merely under investigation. While I appreciate the need to investigate, preventing our family of XXXX from accessing our money feels criminal. For what its worth, the check is from a former employer and is in fact not fraudulent. It is for unpaid wages following my departure as their employees. They would have happily vouched for the legitimacy of the check if asked. There is no evidence of it being fraudulent ( only the banks suspicion ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these filesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name : XXXX XXXX, My husband used to do my BMW car payment from his bank account ending in XXXX days ago found out that BMW reported me late on XXXX payment saying that payment was received on XX/XX/XXXX, and last date is the XXXX. 
i asked my husband he informed me that he called on XX/XX/XXXX to issue the payment Attached is bank print out showing that payment was initiated on the XXXX, but its not my problem that BMW did it on XX/XX/XXXX XXXX XXXX