23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Exhibit XXXX - My company XXXX XXXX XXXX has a mortgage with Lendsure based on a Term Sheet dated XX/XX/XXXX. 

Exhibit XXXX - We secured the loan for {$650000.00} of which {$82000.00} was set aside as Construction Holdback. We paid points amounting to {$16000.00} for the full amount of the loan, reflected on the Settlement Statement Exhibit XXXX - We paid for a full year, interest only at a rate of 10.999 % Exhibit XXXX - We applied for a loan modification wherein the original note shall be extended for 6 months and a {$50000.00} additional amount will be added to the loan, bringing the outstanding loan to {$700000.00} due by XX/XX/XXXX. 

Exhibit XXXX - Lendsure sent a mortgage statement with a Draw XXXX from the Construction Holdback amounting to {$22000.00} as payment for the loan extension. 

Exhibit XXXX - We sent a request for a release of Construction funds by XXXX but Lendsure deducted XXXX payment from the Draw XXXX amounting to {$29000.00}. On an email by Lendsure, they explained that only {$59000.00} was approved as construction funds. 

Exhibit XXXX - A mortgage statement for XXXX shows the current interest rate of 10.999 % and monthly due as {$6100.00}. Our total Draw was {$22000.00} leaving {$59000.00} as available funds Exhibit XXXX - A mortgage statement for XXXX shows the current interest rate of 10.999 % and monthly due as {$6100.00}. The total Draw was {$52000.00} to include the XXXX rent and release of funds. We still have {$29000.00} as remaining holdback funds. 

This is where the problem arises. We wanted to use the remaining Holdback Funds of {$29000.00} as rent payment for the remaining month since we are selling the property. At the rate of 10.999 % and {$6100.00} per month, these funds are enough to cover payments until XXXX. 

Exhibit XXXX - A mortgage Statement for XXXX shows current rates at 10.999 % and the same monthly amount due. Total Holdback is still {$52000.00} Exhibit XXXX - A mortgage Statement for XXXX shows interest rate is 24 %, and Holdback funds totaling {$82000.00}. Our monthly amount due is now {$14000.00}. We did not receive any other notice for the default rate being applied. 

Exhibit XXXX - We sent an email to question the default rate application, and the holdback funds not being applied to cover XXXX thru XXXX payments, like they did last XXXX. 

Exhibit XXXX - Lendsure sent a Pay off amount, demanding total payment of {$740000.00} and showing a {$14000.00} since XXXX. They also charged me {$14000.00} from XXXX and XXXX using the unused Holdback Funds of {$29000.00} No other notices were sent to tell us of this rate adjustment. In fact, their mortgage statements from XXXX thru XXXX shows a rate of 10.999 % and only {$6100.00} per month. 

Exhibit XXXX - XXXX mortgage statement showing default rate Exhibit XXXX - We paid Lendsure a total amount of {$750000.00} to fully satisfy the loan. We should have only owed {$700000.00} as of XX/XX/XXXX, and should be charged only default rate of 24 % effective XXXX when the original note expired.
Product: Money transfer, virtual currency, or money service

My mother went to send me money on Zelle and she unfortunately had my previous number saved and sent money to the wrong person i called XXXX XXXX and zelle to get this fix the transaction cancelled and they said there's nothing they can do and they never helped and i lost a lot of money because XXXXXXXX XXXX  and Zelle refused to help!
Product: Debt collection

Harassing calls multiple times per day. Ive informed them numerous times they have the wrong person. They are asking for XXXX XXXX who I have never heard of. They dont care that they have the wrong number. They keep calling. 
The company is sunrise credit services in XXXX NY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint about Experian. 

This is absolutely a terrible experience for managing a security freeze with Experian. I froze it a few years ago, and now they are unable to verify my identity online, and require me to send physical documents in the mail to a PO box address. Not only is this a long lead time, but this also blocks me from moving quickly on obtaining a mortgage. Especially when compared to the other bureaus ( XXXX, XXXX )  who have both moved to a fully-online account-based model for security freezes, Experian 's experience is incredibly NOT user-friendly, and this makes me concerned that they hold so much of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reporting that Equifax has been doing in relation to XXXX XXXX account number XXXX. Equifax received dispute information from me dated on XX/XX/XXXX about the inaccurate information of this account. I attached a identify theft policy report to Equifax as well on that date. I was notified on XX/XX/2018 by Equifax via their credit monitoring alert that this account was still reporting and that the information that was currently reporting is even different from the information on my credit file on XX/XX/XXXX with confirmation number XXXX. It is a material fact that the amount being reported on XX/XX/2018 is different that on XX/XX/2018 for the XXXX XXXX account XXXX and this account does not have the ability to increase due to its status. 

This has caused me tremendous personal damages with employment opportunities and various financial credit opportunities with potential new creditors.
Product: Credit reporting or other personal consumer reports

Remove these account for improper use of my Credit Report. The payment history reflects continued reporting a charge off after this account was closed. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

I have a debt in the amount of {$500.00} for a Capital One Credit Card. I was contacted by XXXX XXXX XXXX and I agreed to pay amount owed if {$500.00}. I completed the transaction via my on bill pay. Payment was completed on XX/XX/18. I was contacted by their collections agent again days later saying I still owed that amount. I explained them to how I made payment and provide the transaction ID and trace number confirmed by XXXX XXXX. Over the past 5 days they have contacted me and demanding me to pay them until they complete their research. They insist that I just " Pay me and then it will be done for sure ''. I asked to speak with a manager and I spoke with XXXX XXXX ( XXXX ) and then XXXX XXXX ( XXXX ). I provided the document from my bank again showing proof of payment. XXXX informed that this document wouldn't matter even tho my bank confirmed this is proof of payment. XXXX gave me two different email address when I asked for and when she did get the email on ( confirmed delivery and receipt ) she read my account number and confirmed it was the same on payment form. I have called to try to resolve but, they give me the run around. I paid the debt, I have confirmation of payment but, no honest results from them or XXXX.
Product: Credit reporting or other personal consumer reports

I sent letters over 30 days ago asking how do you verify bankruptcy and how did you get this personal information on my credit report. 
I also ask them to verify this bankruptcy on my credit report and send me a letter explaining the procedure they used to verify this Bankruptcy listed on my credit report. 
They have also blocked me from filing disputes online.
Product: Debt collection

I don't know who this company is. The debt is showing up on my Credit report with a {$0.00} balance
Product: Debt collection

Credence Resource Management Numerous calls and I mean Numerous Very hard to let them know- I mailed a {$52.00} check to XXXX XXXX XXXX  @ XXXX XXXX XXXX, XXXX  NY XXXX The bill amount is for {$52.00} check is fromXX/XX/2020 I am XXXX person and can not stand the stress of this issue! 
I believe in paying my bills-However I was taken to a hospital for almost serious health problem. 
I did call XXXX to check on what is going on. I believe they sold this to them probably for a dollar or so. 
I do not believe a person credit should be suffer for {$52.00} I need help with this matter. 
Better commucation is the key!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXXXXXX Balance Owed : {$2900.00} ; XXXX XXXX  XXXX Balance Owed : {$750.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXXXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXXXXXX XXXX Balance Owed : {$2900.00} ; CXXXX XXXX XXXX Balance Owed : {$750.00} ; XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( XXXXFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX removed late payment history and late payment information on a closed account over 7 years ago. I have repeatedly provided the credit reporting agency with my copy from XXXX XXXX stating they were removing the late payments. I have been on the phone with the credit reporting agency in XXXX and XX/XX/XXXX and also providing written disputes via their websites during the months of XXXX and XXXX and the information in error is still on my reports. Transunioin has still not removed the history of XXXX and XXXX  removed an XXXX but still have an XX/XX/XXXX which is supposed to be removed from the history payments along with any notification of late payments I have also attached a copy of the letter from XXXX XXXX XXXX XX/XX/XXXX that they were removing all late payment information from my account both history and written
Product: Debt collection

AmSher XXXX Collections is violating the Fair credit reporting act by not notifying the crediters about the debt owed. I came to know about this after my credit score took a significant hit. Please XXXX them and read reviews, everyone has the same problems. Their customer care number keeps going straight to voice mail. Please help
Product: Mortgage

My home equity loan is being reported as unpaid, late, and and still open. This account was forgiven by Bank of America due to the lawsuit from the Department of Justice. The account is damaging my credit score drastically and I have sent letters to Bank of America twice.
Product: Mortgage

My wife and I entered into forbearance on/around XX/XX/XXXX on our personal residence. 

XXXX XXXX XXXX, I contacted loss mitigation ( a 3rd party ) of Guaranteed Rate -- the lender for our personal residence. I told them I wanted to pursue a loan modification and come out of forbearance. 

I was to make XXXX on-time monthly payments in order to 'properly " come out of forbearance until the modification could be completed. I made my 1st payment over the phone. I was told to wait 3-4mo for an answer to my request to modify our loan -- while making payments -- which I continued to do. 

I heard nothing for 3-4mo. I called back with regularity in XX/XX/XXXX and was passed around from representative to representative who did not know what to do. 

XX/XX/XXXX : Senior Representative XXXX XXXX ( XXXX ) was helpful for some forward movement. She let me know that XXXX was the processor on my account, yet XXXX contacted a Supervisor of processors, XXXX XXXX to find more info. 

XX/XX/XXXX : Some info came from XXXX XXXX my loan is a " XXXX XXXX. '' I spoke to senior representative XXXX XXXX. who found another avenue to contact -- of which no information ever came about. 

XX/XX/XXXX : I gave up hope for a loan modification. I called Loss Mitigation, and spoke to Representative XXXX ( XXXX ) who changed and supposedly processed my request from a Loan Modification to a Loan Deferment. She again said this would take yet another 3-4mo to complete and I would hear back soon that the process was started. -- I never heard back. 

XX/XX/XXXX : I spoke to Supervisor XXXX XXXX ( XXXX ) who submitted a complaint for me which would " Red Flag '' the account. He also told me my loan is a XXXX XXXX and this was new to him. 

XX/XX/XXXX : Supervisor XXXX XXXX ( XXXX ) said my account must go through Master Servicer XXXX XXXX XXXXo remove the " XXXX XXXX '' on my loan to Guaranteed Rate would have the authority to work on it. XXXX said my loan had been escalated to upper level management XXXX. 

XX/XX/XXXX : I heard nothing for a long time after many calls to get back in touch with Supervisor XXXX XXXX. I finally spoke to him on XX/XX/XXXX and he had no new information to give me, except that he is getting inundated with these type loans now. he said I am not the only one in this position. He said he was going to follow up with XXXX and a XXXX. He did say a Client Manager, XXXX XXXX, said the " master servicer has to reach out to XXXX XXXX to get the XXXX XXXX removed. '' XX/XX/XXXX : I still have heard no response. 

I have been unable to refinance this and my other properties this whole time, as no lender will give me a new loan ( s ) until I am out of loss mitigation, have made on time payments, and the look of my personal residence mortgage statement does not say I am behind on any payments. We are losing equity and have missed lower rates. We need recourse against Guaranteed Rate and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( Private SSN LAST XXXX XXXX ), Consumer Date of Birth : ( Private D.O.B. ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card, Auto loan accounts, Mortgage loan account, XXXX XXXX account and multiple Inquiries. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquiries are the result of Identity Theft and Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for an investigation regarding an old account that has incorrect information and is too old to still be on my account. The account shows closed as of XX/XX/XXXXin an old investigation now it shows as last reported inXX/XX/XXXX. Which is incorrect. It also shows as the last payment beingXX/XX/XXXX. Which is untrue. However either date shows that this report should no longer be on my account. Its also affecting my credit score and transunion refuses to correct the issue. Despite it being removed once. the creditor changed the date illegally and now it showed up again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding inaccurate information that is still being reported on my credit file, despite my prior request for removal under the Fair Credit Reporting Act ( FCRA ). 
In accordance with the FCRA, I am entitled to have inaccurate or unverifiable information removed from my credit report. I previously identified the following accounts as incorrect and requested their removal : XXXX XXXX XXXX Account Number : XXXX The specific inaccuracies in these accounts include : Date of Opening : The reported opening date is incorrect. 
Credit Limit : The listed credit limit is inaccurate. 
Last Reported Date : The last reported date does not match any legitimate records. 
Last Date Active : The listed last date active is inaccurate. 
Last Date of Payment : The reported last payment date is incorrect. 
Payment History : The payment history does not reflect actual transactions. The reported cancellation of debt does not accurately reflect the circumstances under which the debt was canceled. Debt was Canceled by Insolvency/Other. Due unforeseen events and are now counted as Income on my 1040 Tax Form, and as such, it should not impact my credit report negatively. Furthermore this is a Tax Implications Misrepresentation. The reporting of this debt may have tax implications that do not apply in my situation, and therefore, it should not be reflected in my credit report. 

Despite my formal dispute, these inaccurate entries remain on my report. Under the FCRA, if the information can not be verified or is found to be inaccurate, the credit reporting agency is required to delete, this obligation was not fulfilled. 
I am requesting immediate action to correct this situation. Failure to comply with the FCRA may result in further action on my part, as my credit report is continuing to reflect erroneous information that is harmful to my financial standing. 
Please provide written confirmation that these inaccuracies have been investigated and removed from my credit report. I have once again included a copy of my credit report with the disputed information highlighted for your reference with proof. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

This agency continues to call even after I have explained XXXX times - XXXX messages and XXXX direct connection - that this number no longer belongs to the person they are seeking. My phone service identifies the number as Northwestern Debt Collectors. XXXX
Product: Student loan

I am court appointed guardian for XXXX year old suffering from XXXX and in facility. Guardian appointed after Older Adult Protective Services determined her to be neglected and financially exploited by family members. In 2012 she co-signed for a federal PLUS load to benefit a great niece. We applied for XXXX XXXX XXXXXXXX XXXX XXXX of co-signer obligation. We have doctor certification that co signer is permanently XXXX and can not engage in gainful employment. We submitted Great Lakes Education s Loan Services ( Servicer ) account number XXXX and copies of correspondence from Servicer indicating borrower making payment schedule. Servicer provided us with copy of loan application but redacted social security and birth date info.We provided this application to XXXX. Original loan ID # XXXX. XXXX is refusing to grant discharge of co-signer obligation because family is uncooperative and we can not obtain dates of birth and social security numbers for borrower and student.