23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, I previously had a mortgage with XXXX XXXX XXXX. Upon the loan being transferred, I completed a loan modification. The loan mod was supposed to eliminate XXXX. I am under water by over $ XXXX. Well, the loan was transferred to Carrington Mortgage. The terms of the loan modification did not carry over to the new lender. Now, the XXXX, that was supposed to be forgiven once I came out of the loan modification. That never occurred, additionally, XXXX  XXXX XXXX reported the mortgage late the entire time. Thus my home is still under water and the XXXX k was never forgiven
Product: Checking or savings account

On XX/XX/13 I informed Chime that I was charged twice for a XXXX ride and it was already paid on another card I sent proof that I only took XXXX ride XXXX charged a different card after I switched payment but chime still charged me also and refused to issue a refund though XXXX said they should and I sent proof.
Product: Mortgage

LENDER CALL : ( XXXX XXXX ID XXXX ) /Foreclosure ACTIVE / SALE SET XX/XX/XXXX / 60  months / {$94000.00} ( delinquency ) -The rep from the executive office contacted me back to advise me that the appeal we submitted was denied cause of income once again. When asked what was the reason I was advised once again that the client was denied over not sufficient income. I asked XXXX XXXX what was the income used and she advised me that the amount was {$3400.00} which I advised the rep that why wasn't the income we provided and showed proof of the wife was not used. She couldn't answer me and just kept saying that a manager denied it and that is that.
Product: Checking or savings account

I noticed 3 unauthorized pin based transactions on my account and contacted Citibank to dispute. The provisional credit was reversed and my claim denied. I was told to write a letter to appeal my claim. The transactions occurred in places where I have not been. I dont use my debit card for purchases and havent in over a year and despite this the bank felt that the transactions were consistent with my normal banking. I have faxed the letter every week for 6 weeks with no response. I have also called numerous times and get bounced around.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the account on my credit report attributed to XXXXXXXX XXXX This account is invalid as I have no ownership or written agreement with this company. XXXXXXXX XXXX has failed to provide any documented evidence associating me with this debt, nor have they presented my written signature on any documents confirming my ownership of this account. This lack of verification is in direct violation of 15 USC 1681b ( A ) ( 2 ). 

Furthermore, Equifax has caused damage to my credit report by allowing a verified account to be reported without sufficient evidence of its accuracy. This action is a clear violation of 15 USC 1681i ( 5 ). I demand the immediate removal of this account from my consumer report, as I have not provided written consent to Equifax to include this unknown account in my credit report, nor do I have any acknowledgment of this account, which is indicative of fraudulent activity. 

Given Equifax 's history of data breaches and the potential fraudulent obtainment of personal information, I insist on the urgent removal of this account from my credit report. To protect myself I apply fraud alerts to assist this matter moving forward
Product: Debt collection

I spoke to this debt collector several times, each time I disagreed on the amount and requested for detailed invoice including payments made to the account. I never received the detailed invoice. I also spoke to the Creditor twice and requested for details but they asked me to contact Synerprise. 

On XX/XX/2020 ( letter dated XX/XX/XXXX ), I received a bill from Synerprise to pay the past due amount. On XX/XX/XXXX, I received a phone call from a Synerprise representative. Again, I told him that the amount was not correct and requested him to provide me detailed bill including payments on it. The representative was very rude and kept telling me to pay the incorrect amount. At that point, I told him that I will report him to an agency in Texas. THE NEXT THING I RECEIVED A NOTICE FROM CREDIT REPORTING AGENCY THAT SYNERPRISE HAS REPORTED THE COLLECTION AND MY CREDIT SCORE DROPPED BY 90 POINT. My student loan was denied due to having a collection in my credit report.
Product: Credit reporting or other personal consumer reports

According to a CFPB brochure, effective XX/XX/scrub> 2022, Experian, XXXX and XXXX will no longer include medical collection debt under at least {$500.00} on credit reports. 
I have made a payment, and it's still showing an incorrect balance ; it's still showing on my credit.
Product: Debt collection

Debt collector called me everyday and it seems all day. I am a victim of XXXX XXXX and I am needing to move on XX/XX/XXXX I communicated that if I paid they will remove the account from all three bureaus. I am now looking at my credit report and it it still showing an account from debt collector that I never had a contract with, I am a victim of XXXX and I need this account removed I did pay the full amount and I am needing this removed so I can move into a new place please have the debt collector remove the account from all major bureaus. 

Sequium asset solution balance paid {$1200.00}
Product: Mortgage

The company involved is Zions Bancorporation, N. A. The issue is the fraudulent way they go about requesting proof of insurance. I would say at this time, the problem is systemic within the industry. The scam goes like this. Your mortgage company request proof of homeowners insurance for a mortgage. However, they require that it be sent by facsimile only. WHO USES FAX IN THIS DAY AND TIME? I am surprised they don't request a stone tablet. Anyway, it makes it too convenient for the mortgage company to say that they never received the fax. THEN, they charge your mortgage balance for insurance. They don't tell you exactly, and you would never know because your payment never changes but the banks and mortgage companies are pocketing millions in fees. I know because I check my account. ALSO, this is the second time that this has happened with this particular organization. And the last time, they vowed that they would take emails. THEY LIED. All companies I have ever done business with employ these tactics to take advantage of poor and unsophisticated mortgagors. There should be a law against this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize or sign for any of these inquiries and By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.1681 ( a ), ( c ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$0.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3200.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00}
Product: Debt collection

XXXX XXXX XXXX outsourced debt to a collection agency ( Delta Outsource Group ). I contacted the agency that they referred me to. The agent said they have not had the debt in over a year. I contacted XX/XX/XXXX XXXX XXXX again and they told me there is nothing that they can do because they don't own the debt. I would like to resolve this debt as quickly as possible. Emails and phone calls were made on XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Mortgage

Reached out to BBVA to inquire about a refi mortgage with their professional loan program. Asked very SPECIFIC questions about loan rates, buy-downs, costs, LTV requirements, and credit requirements. We were given rates with an email stating that this was for 90 % LTV and credit scores above 700 scores. After giving our application info and meeting all of those requirements for a 3.5 % rate, our loan officer was out sick for a week leaving no one to handle her files or clients, and not even an auto reply ... just no answers for five business days. When she returned, all of sudden, our rate was almost a point higher and our 740-800 credit scores were not good enough for a lower rate anymore. My husband and I were applying jointly, and I ( the cosigner ) NEVER completed my application, yet I get my credit card statement this month ... and a {$650.00} charge was made to it on XX/XX/20 by BBVA. There was no permission for my card to be charged nor did the cosigner ever even complete a signature. We have not even been informed with an email or a receipt giving information as to what the charge is covering. BBVA has displayed fraudulent rates and programs, purposefully misrepresented the program, intentionally withheld true requirements when asked repeatedly by the customers, allowing them to begin processing our loan under false pretenses when there is an email as proof that they were told to cease all operations of our loan application. Apparently now the representative has started the processing procedure by charging {$650.00} without permission to our credit card. We have emails and screenshots to share if it would help to understand this situation better, and we are happy to share the name of the mortgage originator and her license number. This is deceptive and predatory marketing/operations, at best.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit report and noticed unauthorised accounts being listed. I've reached out to the credit bureau to solve these issues but have not received any information or any updates.
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to run my credit report, it is affecting my credit score. Can you please remove ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Contract hire ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Bank XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I received my Equifax credit report. Equifax is responding back to me about a dispute regarding 4 false pretense inquiries. Equifax states on the credit report that the four " disputed items are not currently reporting on the equifax credit file. " I have attached my most recent credit report show that the inquiries are reporting on the same credit report documents. I have highlighted the reinvestigation results of the inquiries that they did not remove. Equifax also stated in the CFBP compliant number XXXX XXXX that these four inquiries were not currently reporting. Equifax is violating federal laws of the fair credit reporting act. 
604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] 1681d. Disclosure of investigative consumer reports 1681g. Disclosures to consumers 1681h - Conditions and form of disclosure to consumers 1681i - Procedure in case of disputed accuracy 1681q - Obtaining information under false pretenses 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these accounts have violated my rights.

According to 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 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

Account XXXX XXXX, XXXX. 
Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name DEPT OF EDUCATION/XXXX Account Number XXXX Account Name XXXX XXXX XXXX  XXXX Account XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX, XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name OFFICE OF THE ATTY GENER Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT HAS BEEN CLOSED & CHARGEDOFF FOR MONTHS NOW AND YOUR COMPANY STILL REPORTS THIS AS CURRENT WHICH IS NOT ONLY FALSE BUT IS ILLEGAL AND VIOLATES MULTIPLE RIGHTS UNDER FCRA. LISTED BELOW IS FCRA SS 623 WHICH EXPERIAN IS GOVERN BY STATES THESE LAWS AND THIS ACCOUNT VIOLATES MULTIPLE LAWS & CONSUMER RIGHTS LISTED BELOW. 

XXXX XXXX XXXX
Product: Student loan

I have been enrolled in autopay with MOHELA from my personal checking account for XXXX years. When Mohela transitioned to a new platform in XX/XX/XXXX they REMOVED my autopay unbeknownst to me because their hold message literally says it will carry over to the new system and stated such in their transition carryover letter. ( see attached letter ) My new student loans ( old MOHELA loans forgiven after XXXX years of payment ) were in a graduation grace period from XXXX XXXX. XXXX  payment due in XX/XX/XXXX. It never auto debited. 

Emailed Mohela XX/XX/XXXX- they said Id have to re-enroll in autopay despite them telling me previous to repayment status that my autopay would carry over. So I re-enrolled in autopay and made a manual XXXX payment. 

Then, XXXX XXXX, XXXX payment NEVER auto debited! Emailed them XX/XX/XXXX- they said they need more details and I need to call. My account shows a late/overdue payment! They will not address the autopay issue via email in writing. 

XX/XX/XXXX ( XXXX day before next payment due ) on hold for XXXX mins mid-day on a Wednesday with no resolution. Their past due letter says autopay wont debit for any overdue payments ( well it also wont debit for regularly payments either ). So HOW ARE WE SUPPOSED TO PAY OUR LOANS? 

MOHELA HAS TERRIBLE CUSTOMER SERVICE. CLEARLY UNDERSTAFFED and THEIR SYSTEMS DO NOT WORK AS PROMISED. This needs to be rectified immediately with help from the US Dept of Education. Thank you. 

Researched online and found this is a widespread issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

I am a victim of identity theft and have fraudulent accounts listed on my Equifax credit report that do not belong to me. I have sent numerous letters and police reports to Equifax disputing the inaccurate information listed on my report and I received numerous letters from Equifax informing the disputed information is accurate. I want the following fraudulent accounts listed on my Equifax credit report removed immediately from my credit report : XXXX XXXX XXXX, Account Number : # XXXX XXXX, Account Number : # XXXX XXXX XXXX, Account Number : # XXXX XXXX XXXX XXXX, Account Number : # XXXX XXXX Account Number : # XXXX XXXX, Account Number : # XXXX Collection XXXX, Account Number : # XXXX Of XXXX, Account Number : # XXXX XXXX XXXX Account Number : # XXXX XXXX Bank USA XXXX XXXX Account Number : # XXXX BankXXXX XXXX XXXX Account Number : # XXXX XXXX XXXX, Account Number : # XXXX Loan XXXX XXXX XXXX Account Number : # XXXX Bank/GLELSI, Account Number : # XXXX Bank, Account Number : # XXXX XXXX, Account XXXX : # XXXX XXXX. XXXX, Account Number : # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There are fraudulent accounts on my credit report that need to be removed immediately. 

Collection Companies XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Bureaus XXXX Equifax XXXX These collection companies and all three credit bureaus are in violation of 15 USC 1681b - Permissible purposes of consumer reports by reporting to the credit reporting agencies without my written permission. They are also in violation of FDCPA Section 807 False or misleading representations. All three credit bureaus are in violation of federal law and have refused to acknowledge these laws. My federal rights have constantly been violated for going on over a year now. I have asked for proof which is required according to federal law, and they still have not complied. I advise Equifax, XXXX and XXXX to cease and desist collecting and reporting the accounts until they have provided and supplied the full, thorough details surrounding their reasoning for keeping the accounts on my report against my wishes as a consumer. This is not only harming my credit report, it is also harming my chances of owning a home.
Product: Credit reporting or other personal consumer reports

These late payments dont match my regular on-time record. Please take them off and update my accounts right away.
Product: Mortgage

In XX/XX/ 2018 I applied for an FHA loan with 1st Alliance lending.I was seeking a pre-quailfying letter. I was told I couldn't be given a yes or no with out providing further documentation. I submitted the documentation and asked will I be issued a pre- qualifying letter to apply for my down payment assistance program with my state. I was told the laon had to be underwritten first. Which I am not understanding why the loan needs to be underwritten before I can be told yes or no. Here is the response I receiver from the agent. ( please see below ) I thought the response to be uninformative and disrespectful. 

Hi XXXX, You have an extenuating circumstance loan. We always want the extenuating circumstance to be approved by the underwriters BEFORE we issue a prequalification letter. If you want to ask XXXX if they will write an extenuating circumstance loan prequalification letter before seeing documents please do so. But they dont even write loans for credit scores under 600. 

The only reason I will EVER ask for anything is so we can write the loan. If you are really serious about buying a home then this is what we require for documentation. I will never ask for unnecessary documents. 

Let me know if you want to proceed. 
XXXX XXXX Home Loan Consultant 1st Alliance Lending , LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CT XXXX XXXX Toll Free : XXXX Local : XXXX Fax : XXXX www.1stalliancelending.com
Product: Mortgage

On XXXX XXXX, XXXX, our XXXX was XXXX under Chapter XXXX by the Bankruptcy Court in the XXXX XXXX XXXX Florida. Said mortgage was recently sold to Statebridge Company, LLC. on XXXX XXXX, XXXX. 

Today, XXXX XXXX, XXXX, we receive the first mortgage statement and it lacks the acknowledgement and language that the mortgage was discharged in XXXX and is in direct violation of the Fair Credit Reporting Act ( " FCRA " ) and Fair. Debt Collection Practices Act ( " FDCPA '' ), I am attaching a copy of the bill received as well as a copy the Bankruptcy discharge. 

I am requesting that Statebridge Company, LLC reflect our Chapter XXXX Bankruptcy discharge on our account.and abide by the law. 

Thank you. 

XXXX XXXX
Product: Debt or credit management

I have an account in collections with Wakefield and Associates from a charge from XXXX  in which I just found out about since I got the XXXX XXXX app. It's for {$860.00}. I was never sent a bill for this at any time. Any medical should of been covered by my insurance around that time. I'm trying to get it removed from collections
Product: Debt collection

ATTENTION COMPLAINT DEPARTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Complaint Department Dear Sir or Madam : I am writing to dispute the following information in my file. EOS CCA XXXX Status Closed Balance {$140.00} Type Collection Payment Status Late EOS CCA XXXX Status Closed Balance {$180.00} Type Collection Payment Status Late EOS CCA XXXX Status Closed Balance {$140.00} Type Collection Payment Status Late EOS CCA XXXX Status Closed Balance {$58.00} Type Collection Payment Status Late XXXX XXXX XXXX and collection company did not have my correct address on file, after my credit report company contacted me to report this change I became aware of the charges I immediately called and paid in full. I am requesting that the item be removed to correct the information on my credit report. Please reinvestigate this matter and remove the disputed item as soon as possible as Im in the process of purchasing a home! If you have any questions please feel free to contact me at XXXX XXXX XXXX XXXX or XXXXXXXXXXXX. Sincerely, XXXX XXXX