23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TN XXXX EQUIFAX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XXXX RE : Social Security Number : XXXX and account reported from XXXX with account # [ XXXX ] ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND CERTIFICATE EACH EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. 
XXXX XXXX
Product: Mortgage

i have been advised by my realtors to contact this Bureau. My husband andI acquired a Home Equity Line of Credit in XXXX of XXXX. The prepaymentphase ended this past XX/XX/XXXX. Uneducated and unaware, wewere caught off guard and can not afford the payments. Our home is vacant, we own another home, in the city where we work and live, we aredesperately wanting to sell, sell, sell, the home, but it is not selling. We havereceived a cash offer on the home, a lowball offer, and we have applied for ashort sale with our primary plus our secondary mortgage lien holders. This isthe very beginning stages, I am still faxing in documents. However, the mostrecent appraisal on the home shows {$230000.00} on XXXX XXXX, XXXX. Weowe $ XXXX on the home. This does not include the HELOC which is over XXXX. I haI have missed XXXX payments on the HELOC. But like I said, I am applying forShort Sale status, in the hopes that I get another offer, if this offer does notgo through. At any rate, I have NOT enough equity in the home to pay backthe HELOC even if I were to get an offer for the appraised price. I am not surewhere to turn.
Product: Mortgage

during the housing crises my mortgage loan was being service by XXXX XXXX XXXX XXXX. After 6 years in foreclosure I receive a loan modification. I was under duress and facing the homelessness with my XXXX year old child I had no other choice. At the time of the modification the home was valued approximately {$190000.00}. XXXX XXXX  place a new loan on the of {$480000.00} this was unconscionable. Additionally this loan has a balloon payment of {$350000.00} on the loan maturity date. There is absolutely no way they value of the home will every be worth {$480000.00} and there is just now way that the home will be value at {$350000.00} on the maturity date of the loan. XXXX did this knowing that there is just no way out. Recently my loan was transferred or sold to PHH mortgage service who has decline to help me. The loan is now owned by XXXX XXXX  and is being serviced by PHH Mortgage
Product: Credit reporting or other personal consumer reports

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, 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 has neither corrected nor removed disputed items despite the evidence I I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer
Product: Mortgage

We are very disappointed with the outcome of our complaint to your office ( complaint number XXXX ). We know now, we were victims of a predatory loan. The people who worked at XXXX XXXX XXXX XXXX in XXXX, PA, the office that prepared our refinancing in XXXX, were XXXX for fraudulently inflate mortgages. ( please read the article we found XXXX : XXXX ). We were unaware of this until many years later after our home went into foreclosure. We have also discovered the company they worked with XXXX XXXX ( whose name is on many of our refinance papers ) were also involved in the scheme. ( please read this article : XXXX : XXXX ). 

Also, our mortgage company now Ocwen, who took over our mortgage from GMAC, say our modified mortgage is not from the HAMP program which is not what we were led to believe. When we signed for the modified mortgage, we were told it is part of HAMP and we even wrote a letter to thank President Obama and we received a nice reply from him. 

Needless to say, we are very disappointed you did not follow up on our complaint as of this date. We are still underwater on our mortgage. Our modified mortgage is a principal of around XXXX but at the end of our 30 years we will still owe another $ 90,000+ which is so unfair. We will not rest until this is resolved. 

Sincerely, XXXX and XXXX XXXX XXXX, PA XXXX
Product: Checking or savings account

A check was issued to XXXX XXXX for the amount of {$140.00}. It was deposited in his account at wells Fargo in XXXX XXXX, Florida for the amount of {$640.00}. It clearly states on the check, {$140.00}. To date wells Fargo has not returned the {$500.00} nor they stated they don't know where it is. The check was written on XX/XX/XXXX and deposited on XXXX XXXX XXXX
Product: Checking or savings account

My job send my deposit to my bank capitol one and since XXXX XX/XX/XXXXtill XXXX I havent received anything. The bank did not notify me on a text or email whats going on. I have bills that was due today and is costing me a lot of late fee for not making any payments.
Product: Credit reporting or other personal consumer reports

Please see attached, I HAVE SENT MULTIPLE REQUEST TO RENT RECOVERY TELLING THEM SOMEONE USED MY INFORMATION. THEY HAVE IGNORED MY REQUEST.
Product: Student loan

I have a loan that I defaulted with XXXX XXXX XXXX. My account is being sent to different collections agency. I was making payments with a collections agency than my account was sent else where with out notice. Now my loan is with XXXX law. In a response they stated that they received my account on XX/XX/2015. But on XXXX XX/XX/2015 I received a letter from XXXX that they had my account and was receiving phone calls from them up until XXXX XXXX 2015 and I filed a complaint against them and they never responded until the account was with XXXX. I do n't understand why my account keep getting passed around so quickly. I did n't received notice from XXXX until XXXX XX/XX/2015. As I stated previously I 'm unemployed and I 'm actively seeking employment. I can only pay about {$25.00} until I 'm employed. Once employed I 'm more than willing to pay more. My co signer is also unemployed and is leaving on a fixed income. He has medical bills he has to pay because he had XXXX XXXX and had to get it removed he also had XXXX more XXXX after the initial XXXX. He was in the hospital for almost XXXX months. I was paying on my student loan up into XXXX. I called the previous company and it took them XXXX weeks respond to let me know they were no longer in charge of my loan. I finally contacted the people who had my loan through XXXX they told me to call a number. I called the number several time and did n't get a response I later found out the company had changed it 's name. I also have medical problems and have to take XXXX medication which I have to pay out of pocket because I do n't have any health insurance and have to see doctor regularly and have to pay out of pocket. So the money I have left is about $ XXXX- {$30.00}.
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these unauthorized and fraudulent inquiries are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the unauthorized and fraudulent inquiries that are reported on my credit report. These inquiries are NOT MINE! Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit card

Dear Avant Credit Card Services, I am writing to bring to your immediate attention an inaccuracy in my credit report concerning my Avant credit card account ending in XXXX. It has come to my notice that the reported balance is incorrect, and it inaccurately reflects a late payment history. I wish to clarify that I have always made my payments on time for this account. 

I respectfully request that you update the records sent to the Consumer Reporting Agencies to reflect all payments as paid on time. Additionally, please adjust the reported balance to show the correct amount, which should be a {$10.00} credit. 

I trust that Avant Credit Card Services will promptly address this discrepancy to ensure the accuracy of my financial records. Thank you for your immediate attention to this matter. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I have identified some information on my reports that are a result of identity theft, these items are not related to any transaction completed by me : 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 XXXX ( XXXX ) XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

My loan has PMI insurance. The current principal balance is 74 % of original appraised value and the company is still taking out PMI insurance included in my payments. There are no late payments, loan is current and always has been.
Product: Credit reporting or other personal consumer reports

My Department of Education account in collections was opened in XXXX and never paid on at 0 %, having nothing to do with the other secondary loan, I paid off with Dept of Edu ; these are separate accounts. However, the collections dept is reporting my debt as one and it shows I went into default in XXXX. This means my Dept of Edu account should have never reported/past/came off in XXXX and not been reported to the credit bureau because it was already in default for seven years since the day I opened it in XXXX ( because I never paid back any amount due for this loan over XXXX now ). Therefore, I am not responsible for the default of charges after seven years from being reported on my credit report, whether or not the collection agency wants to take on the debt themselves, it was already in default and should not be reported if they give the correct non payment date information as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. I have never filed for any type of Bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX to request my personal credit report, as I have done for years. I completed the information to request a report from Experian. Despite having lived at the current address for over 3 years, the web site kept saying it could not confirm my address. I know I answered the challenge questions correctly. 

It next said I could upload images of a driver 's license and utility bill. I tried several times to do that with a 500kb scan file, using both PDF and TIF file formats. Each time, it reported an error, saying to use PDF or TIF. It finally kicked me out, saying to mail in the information. 

I successfully used XXXX last XXXX to order my report from Experian. Nothing has changed on my end since then. I'm an XXXX XXXX, so I know all about file formats, sizes, etc. The file I was trying to upload met all of their criteria. It feels like they are deliberately trying to make the process difficult or to fail.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX, 2022 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX Account Number XXXX
Product: Credit reporting

I have contacted XXXX XXXX several times about a debt being reported for collections and received no answer from them. They will not confirm where or how this debt was originated and whether or not I actually owe it, but it 's still listed as being for collection on my credit report.
Product: Credit card or prepaid card

I had a capital one credit card since XXXX and I never missed a payment. I usually made payments through my XX/XX/XXXX account. Fast forward to XXXX I lose my debit card from XX/XX/XXXX so i start making payments from my sisters bank account. On the capital one app there is no option to delete a payment method! Only to add a new one! So I add my sisters debit card and make a payment ( ON TIME ) the next month comes around and I go on the app and make a payment for {$300.00}. Unknowingly choosing the wrong bank account ( because theres no option to delete a payment method that you can no longer use ). After a week I get a notification saying that the payment was returned. I call capital one and they say to call my bank. I call my bank and they tell me the funds are available that there shouldnt be a problem. Now at this moment I have no idea that I chose the wrong payment option so I dont know whats going on. Next monthly payment is due and I try and make a {$1000.00} payment I wait a week while it says processing and after that week it tells me returned again. So I call capital one again and they tell me to call my bank. Now this time I call my bank and the lady tells me she doesnt see any transactions for {$1000.00} and thats when I went back on the app and saw that I had been choosing the wrong payment option! So I chose the right option and made the payment and it went through only for capital one to close my account a week later because of fraudulent activity how is this fraudulent activity? It wasnt a random account I was trying to make the payment with it was a account that I had used to make payments for 2 years! Because the capital one app doesnt have the option to remove payment methods! I think it is very unfair for them to have closed my account because of 2 missed payments. When I called capital one they said there was nothing they can do and there was no way to reopen my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's information reporting on my file inwhich is a direct result of identity theft and these accounts went on to become closed but this is not sufficient I'm demanding that they be removed and blocked from my credit file. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX  3 ) XXXX XXXX 4 ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan modification on my student loans before I go into graduate school, I was denied due to serious credit risk, over limit on credit card, and adverse action. I reviewed my credit report and found these 2 Capital One accounts ( which I have never had any association with Capital One bank or credit ).

I filed a police report, once finished the officer gave me the website of the FTC to file a federal report there.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 my online banking account was hacked. I was a victim of fraud/scammed. I received a call from what I believed to be my banking institution, JPMorgan Chase. The rep asked me if I initiated a wire transfer, I advised her that I did not. While placed on hold I entered my online banking and could see money leaving from my account. I instantly got in the car and headed to the bank. By the time u arrived XXXX wire transfers in a total of XXXX was stolen. XXXX wire for XXXX XXXX for XXXX. I informed my bank, made a police report, closed all accounts at chase and got new accounts. The money appears to have went to someone named XXXX XXXX and XXXX XXXX. These XXXX wires I was informed were not in Texas where I live. Chase has refused to return my money stating that someone must have stolen my information and this is not on them. I am reaching out in dire need of help. I was informed the device used to process this transaction was XXXX never logged in before on my account. I have never made a wire transfer ever from my accounts. Chase still declined my money. I've banked with Chase for over 15 years. While I was being hacked I was at XXXX dealership getting my car serviced. I have provided docs to support this as well.
Product: Debt collection

I borrowed money to complete an expensive purchase of a pet for my daughter! 

They took application at the pet store. 

They let me have {$1800.00} loan They said I could pay loan in 90 days without penalty or interest. 

I tried to pay the loan and they said that I missed 2 payments so the loan went into default and that I owed almost twice the amount of original loan in fees and interest! 

I contacted them and they insisted that I owed the money ; and that I could do nothing! 

Now they have another entity trying to collect the debt and in less than 14 months the debt has been reported to 2 of the credit agencies as over {$5000.00} They reported several times with variations to account number and totally different dollar amounts so the agency has lowered credit scores over 100points because of multiple violations or debts. 

The agency reporting the debt has not verified the debt and its been over 65 days since we requested proof or verification of debt. The companies name is DUVERA FINANCIAL.
Product: Credit reporting or other personal consumer reports

I am writing to address the unresolved issue regarding fraudulent items on my credit report, despite previous attempts to have them removed. Despite my diligent efforts and submission of supporting documentation, the fraudulent items persist, causing undue stress and potential financial harm.

This situation is deeply concerning as it not only affects my creditworthiness but also exposes me to the risk of further fraudulent activity. Therefore, I am submitting this complaint to request a second attempt to remove the fraudulent items from my credit report.

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation into these fraudulent items. It is crucial to safeguard consumers against identity theft and ensure the accuracy of information reported on credit reports. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX  Balance Owed : {$4600.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX  Balance Owed : {$7000.00} XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX Balance Owed : {$7000.00} XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX  Balance Owed : {$4600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX  Balance Owed : {$7000.00} XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX XXXX