23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ive had an open Foreclosure it was closed. and reopened when the statute of limitation ran. Reopened ive tryed doing loan modes and SPS. well not work in means want a large down. Most of my life ive worked in XXXX XXXX. and for family reason i had to leave. I stared back this year. I did an Investigation on my case when they refuse to work with me. the loan stated in Fl. with XXXX   XXXX. the vice President was arrested. the loan started in XXXX XXXX XXXX placed a trust in XX/XX/XXXX the trust was closed in XXXX also the Vice President on Trust is on XXXX XXXX XXXX Robo signer sheet. Understand i owe money but its not to the trust it was not placed into or XXXX XXXX. SPS. said the Appraised the home for XXXX I can short sale it for that. to do a Loan mode its XXXX with XXXX down. XXXX VS XXXX XXXX. i attached the paper work is the same case I have. everything is attached. Thank you in advance. P.S. Iwas refereed by TEAM TRUMP
Product: Vehicle loan or lease

Regarding CFPB Complaint # XXXX, we received credit turn down letters from Chrysler Capital nearly 90 days after applying for credit. Are n't companies bound to send letters out within 30 days of denial? 

Also, the credit score that Chrysler reported for XXXX XXXX XXXX on XXXX/XXXX/XXXX is XXXX. Every credit monitoring service ( one for each of the three major credit bureaus ) lists the score as XXXX, XXXX and XXXX. 

In the late dated letter to XXXX XXXX XXXX, Chrysler also lists : " Serious delinquency, and public record or collection filed '' when there is none. " Too few accounts currently paid as agreed '' when every single account is paid as agreed and always has been. There are dozens of accounts in total. How could that possible be " too few? '' " Time since derogatory public record or collection is too short '' when it 's been over XXXX years since any such record was listed. " Length of time revolving accounts have been established when revolving accounts date back XXXX years. And, Number of recent inquiries on credit report when there have only been two inquiries in the past year, including the inquiry to Chrysler Financial. 

In the late dated letter to XXXX XXXX, Chrysler also lists : Number of accounts with delinquency when there are zero accounts with delinquency. Proportion of loan balances to loan accounts is too high when each loan balance average under XXXX XXXX of the available credit. Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high when each loan balance average under XXXX XXXX of the available credit. And, Length of time revolving accounts have been established when they have been established for many years.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX - XXXX - XX/XX/year> - {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I inquired with XXXX XXXX for new service. They said they would run a soft credit check to be able to provide service. I was very clear with them that I would not authorize a hard credit check and the representative assured me it would not show on my credit report. 

The HARD credit check immediately showed on my Equifax credit report and I filed a dispute on XX/XX/XXXX.  Equifax returned the dispute saying it was a valid record and refuses to remove it from my report. XXXX XXXX refused to provide any assistance in removing the inquiry. 

I cancelled my service request with XXXX XXXX on XX/XX/XXXX before any services were provided. 

I did not authorize a hard credit check and made it very clear to the representative that a hard credit check was not acceptable.
Product: Credit reporting or other personal consumer reports

This is for my XXXX credit card. I made a full balance payment of {$170.00} via phone payment in XXXX of XXXX The representative confirm that the full balance was paid, with no mention of any additional fees or charges. I was not notified that there would be any additional charges during the call that I paid the full credit card balance in XXXX. 

Later, I received a letter stating that I was months late on an apparent late fee so I called a representative in XXXX to correct the account. The representative cleared up additional late fee charges that they combined from XXXX to XXXX. I paid the late fee charge of {$65.00} from the {$170.00} payment I made in XXXX. 

As of today, my credit report reflects 120 days past due, which based on the facts above is incorrect.
Product: Debt collection

I received a loan from XXXX for the amount of {$1800.00}. The payoff amount was {$2000.00}. I made numerous payments on time over 6 months paying off the full amount on XX/XX/XXXX. I received a collection account on XX/XX/XXXX. The Collection company called me regarding my assets and said I have no proof that I paid anything and they stated I had not made a single payment. I sent all the confirmation emails from every payment I made equaling the amount they claimed I owed. After receiving the emails they stated the last payment amount was XXXX which is not the last amount I paid and I have a time stamped emailing proving it. They told me I had to have something in writing stating that it was paid off from the original company. I contacted the original company and they do not have my account or any information on it.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account with multiple errors that are not reporting accurately. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information with maximum accuracy. The account in question is showing inaccuracies in payment history for XX/XX/year> & XX/XX/year>. I'm requesting you investigate these errors and update the account. Thank you for your understanding and prompt action in advance!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/XXXX Torres credit Srv, an entity Ive never even heard of brought my credit down XXXX points. The original creditor says XXXX XXXX  who is trying to collect money not owed as I just moved into my place with a current bill of {$35.00}. Previously Ive canceled services with them 2 years ago so I dont appreciate the attempt of being exploited over fraudulent information. Especially when Ive been identified as making very low income, this is making my life harder and emotionally stressful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I canceled my XXXX auto insurance policy in XX/XX/XXXX through an agent called XXXX XXXX XXXX XXXX. XXXX XXXX as my XXXX Insurance Agent intentionally decides to renew my policy with XXXX XXXX after my cancelation without my permission even though I called to inform XXXX XXXX about my cancelation. XXXX  XXXX Insurance billed me an unauthorized charge which has Negatively Impacted my credit scores. When I called XXXX to resolve the issue, XXXX asked me to submit an insurance declaration page that clearly state the policy period for both XXXX XXXX Insurance and XXXX XXXXl insurance. I have submitted all three declaration pages to XXXX, and I have not heard from them since. 
Insurance Information and Policy Periods. 

XXXX XXXX Insurance : Policy Period XX/XX/XXXX - XX/XX/XXXX XXXX XXXX  Insurance : Policy Period XX/XX/XXXX XX/XX/XXXX XXXX XXXX  Insurance : Policy Period XX/XX/XXXX - Present
Product: Credit reporting, credit repair services, or other personal consumer reports

Portion of my XXXX has been forgiven. But, the loan balance is overstated on my credit report.
Product: Credit card

Tidewater finance has been reporting inaccurate credit information on my credit report and I have disputed their reporting several times only to get nothing resolved. This company continues to violate law and sabotage my credit reporting causing me unfair credit denials because of their updates it appears that I have a current derogatory account which is false. It is federal law that any interest charged on an account is required to send out a monthly statements and they repeatedly change the account owed on my credit and do not send out any statements.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act. The list of accounts below gas violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX 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 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 know or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

In XX/XX/2022, my company had several bank checks stolen from the US Postal Service. Three of those checks were cashed by someone at a XXXX XXXX XXXX somewhere in XXXX XXXX. The total of the cashed checks were around $ XXXX. The checks were written to major corporations and had bad endorsements and one had no endorsement at all. I have notified my bank, Bank of the West ( BOW ), and asked to have the funds replaced to my account. I have submitted the necessary claim forms and supporting documents. To this point, BOW has refused to replace the funds in my account. 

Obviously, XXXX XXXX is at fault for cashing the checks without proper identification or verification, but that is a transaction between XXXX XXXX and BOW. BOW has to seek restitution from XXXX XXXX. I have been working with BOW, to get reimbursed, but apparently they are waiting for XXXX XXXX to reimburse them. As a customer of BOW, I have a contract with the bank that allows for reimbursement since BOW honored the checks that were not properly payable. It is up to BOW to go after XXXX XXXX separately. 

I have submitted all the evidence and requested documents to BOW several months ago. My bank forwarded all the documents to XXXX XXXX accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and BLOCKED. 


XXXX XXXX & XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting a agencies need to report all information with complete accuracy. This account was never late I have attached a copy of my complaint on the following ( XX/XX/2020 and XX/XX/2020 ). I am now requesting you investigate this account and update these payments to paid on time immediately.Thank you for your prompt response
Product: Student loan

I have paid on a consumer credit student loan since XXXX. My school did not accept federal or private loan disbursement of funds. This was living expense. After XXXX for over 10 years I am on XXXX XXXX. Consumer loans earmarked as student loans disbursed directly to me are not dischargable in ch. XXXX bankruptcy. ACS services my loan and ca n't make discussion in regard to discharge, and they will not provide me with the of the bank who owns the loan, who makes those decisions. THE PROMISSORY NOTE HAS BEEN LOST BY THE SERVICER AND THE OWNER OF THE LOAN. THEY HAVE PAGE XXXX AND XXXX. THE TERMS ARE LOST. THEY TELL ME THEY ARE UNDER NO OBLIGATION TO TELL ME ANYTHING. IF I STOP PAYING, I CAN HAVE CONTACT WITH THE OWNER OF THE LOAN. Federal loans are discharged in my situation. In bankruptcy this is no longer a consumer loan. The rules that apply to federal loans would benefit me, but now I found out the XX/XX/XXXX bankruptcy reform only punishes those with a consumer credit loan and does not afford those of us with the private loan the benefits afforded for a federal student loan holder. OF ALL OF THE RULES PERTAINING TO CREDIT, THIS IS THE MOST UNJUST AND INCONSISTENT. THERE IS NO PROTECTION OF THE INDIVIDUAL FROM BANKS WHO CREATE LAWS FOR THEIR BENEFIT. UPON MY DEATH I AM NOT EVEN ALLOWED TO KNOW WHAT WILL BECOME OF THIS LOAN. XXXX XXXX currently claims they hold the loan, but my SERVICER will not confirm or deny. Banks can change legal documents even after agreeing upon the terms and they do n't even have to keep a copy of the promissory note.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave XXXX  XXXX  or Experian consent to furnish a consumer report on me they are violations of my consumer rights as federal protected consumer Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit card or prepaid card

Please refer to case # XXXX ; the case was closed without me adding a response to their response. After reviewing the case #, Capital One updated the account from reporting me delinquent in XXXX and changed it to XXXX after reviewing the case #. This validates that they falsely erred on my credit report. I am now asking to have them forbidden to make any credit reporting on my account or credit rating. We made an agreement for the past two years while I was on their payment plan that my account would not be reported delinquent. I am asking to have them removed from any reporting asap. I am hurt and upset about the backlash I am receiving from Captial One over our disagreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending request to remove accounts which were opened by fraud another person. I never give permission to open these account and never signed any documents. The both accounts fraud. Please investigate and remove as soon as possible. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the mortgage application process and the report from Underwriting is showing that my credit card issued by XXXX XXXX  is in 'dispute status '. I called XXXX twice, and I was told twice that the dispute is not showing up. The account has a XXXX balance and there is no dispute.
Product: Vehicle loan or lease

THIS VEHILE WAS TOTALED AND THE LOAN WAS PAID OFF BY INSURANCE, IT WAS NEVER LATE SHOULD NOT SHOW A BALANCE, AND SHOULD BE MARKED CURRENT
Product: Debt collection

VALIDATION AND CEASE AND DESIST Dear XXXX : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. the ___ __________________________
Product: Mortgage

Our mortgage was recently purchased by Nationstar Mortgage Company. We keep scheduling our payments online via their website well within the payment period but continue getting phone calls on our home and cell phones advising that our mortgage payment is late. This happens every month and have asked that they check their records prior to calling and disturbing us. We have asked numerous times but they continue to call day and night. No matter who we speak with they will not stop calling and harassing us.
Product: Credit card or prepaid card

Hello, On XX/XX/2022, I bought a set of 4 chairs on XXXX. 
I received my order. However, the chairs were damaged, and some of them were of different colors. 

I contacted the merchant asking for a return. The merchant sent me two return labels. They also told me that XXXX would come to pick up the chairs. XXXX gave me two different dates for the return. However, XXXX never came. 
I contacted XXXX back. The agent told me that I canceled the return directly with XXXX. I told the agent that I never canceled the return and had never been contacted by XXXX. I also requested the prove that I canceled it. XXXX never replied to my request. XXXX offered me a 5 % refund to keep the chairs. I refused and asked to return the chairs and get a full refund. 

Because XXXX didnt follow their return policy and never accepted my return. I disputed the transaction with my bank : Naver Federal Credit Union. 
On XX/XX/2022, Navy Federal gave me a temporary credit while they are investigating my dispute. 

Apparently, XXXX didnt appreciate that I dispute the transaction so XXXX charged my card one more time for the same order. 
A few days after, I sent my documentation to Navy Federal and they said that no billing error occurred because I canceled the transaction.

I explained to Navy Federal that XXXX said that I canceled the return but was not able to prove it. How is it possible to refuse my dispute if the merchant was not able to prove what they said? 

I sent pictures of the damaged items. I sent pictures of the return labels I got. I sent emails I received from XXXX telling me that XXXX was coming on different dates. I showed my good faith in my wish to return everything I got my money back. 
I proved that XXXX never wanted to accept my return and just wanted to give me a 5 % refund in exchange for the damaged items. 

NOW : - XXXX charged me one more time for this order. 
- Navy Federal reversed the second temporary credit I received. 
- Now my credit card is charged twice for the same order. 

I am asking for a refund of the order I placed in XXXX AND a refund for the new charge that was processed without my authorization. 

Thank you. 
Best, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to get me to pay a debt that I do not owe. This debt is owned by another company and is past the statue of limitations.
Product: Mortgage

XXXX XXXX from Market Place Mortgage call me and ask if I would like to refinance my house, I told him sure send me email with options I will look at my options and I will call you back. Week and half later he send me application to sign and the same day I got notifications as he pull my credit with out my authorization, he have my SS number from 4 years a go he did my refinancing on my old house, but yjos home was sold. I email him to correct this with credit bureaus and he fail. I would say this is miss practice pulling credit report with authorization.
Product: Mortgage

Dovenmuehle Mortgage , Inc . 

Mortgage closed XX/XX/XXXX ... Still showing open as of XX/XX/XXXX I have contacted the company via their account portal messaging, only to be ignored. Which is perfectly normal for such an awful company. Looking back on the last messages I sent them when I was a customer, it took 20+ days to get a response. On one massage it took over 6 weeks for them to respond.