23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I informed my mortgage or loan servicer PHH that I was the successor in interest due to divorce. I requested to assume the loan on more than 1 occassion. I just sent a letter again to them that I request the same thing once again. The letter was faxed to their escalation 's department/ research dept on XX/XX/XXXX. I am attempting to avoid foreclosure by requesting " successor in interest to assume the loan once again due to divorce ''. The former spouse states via email and in open state courts he wants nothing but to be released from the loan. So with his requests this substantiates my successor in interest to the mortgage to remove him from the loan. PHH already has the divorce decree. Divorce happened in XXXX. The co borrower has not paid on the mortgage since XXXX. Once assumption is approved I can then modify the loan in which to bring my loan current. I will attach the " successor in interest rules and laws '', as well as caselaw that states that once a party claims he or she is successor in interest to a mortgagee due to divorce and the home is located in Georgia, that all one of the party 's has to do is to inform the mortgage company that they are assuming the loan and to remove the other party from the loan. Again my former spouses emails states he wants nothing to do with the loan. He wants his name removed from the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of the Pandemic, CrossCountry Mortgage offered us the option to " pause or skip '' 3 payments under their Covid Forbearance & Cares Act program as most lenders were offering similar pandemic assistance. We were assured by the representative that this would NOT affect our credit. Months later, we decided to sell our home. Once we paid off the loan in full, CrossCountry Mortgage decided to report over 6 months worth of late payments! Our credit scores dropped over 150 points due to this error! We are now forced to rent until our scores improve to purchase another home. My wife & I need our payment history to be updated and reported as on-time/perfect to all 3 credit bureaus ASAP.
Product: Mortgage

I have been told by my mortgage company Newrez that they have placed lender based insurance on my property due to me not having insurance from XXXX of XXXX to the present. I live in a condo so my building and my insurance information is needed. I have been providing them the proof of insurance documentation since XXXX of XXXX, when this was brought to my attention and my payments went up almost {$400.00}, showing that we have been current the entire time and they have yet to apply the update to my payment information, therefore requesting that I pay the difference. I have called numerous times and get a different answer on every call. The most recent being that they just updated the account XX/XX/XXXX with the proof of insurance and that I will have to wait an additional XXXX days to have this addressed, while I am also required to keep calling and checking the status. Meanwhile, I am getting collections notices and calls stating that I have not made payments. The supervisor that I spoke with today stated that I am being allowed to make my payments in the amount of my " previous '' disclosed amounts in the mean time, which I have made monthly. I am not being helped and in the mean time it feels like they are ripping me off.
Product: Debt collection

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account, they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX  have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account from all three credit reporting agencies due to the violations : XXXX XXXX - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Product: Credit reporting or other personal consumer reports

In Accordance of the Fair Credit reporting act.The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXXXXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 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 7 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for a CreditCare account ( Synchrony Bank, XXXX FL ), to pay for an elective eye procedure for my daughter ; made sense to pay over time interest free ( I always do this for large purchases and always pay within interest free period ). 

The application process was online and I was pre-approved immediately! ( credit score is and has always been exceptional current XXXX XXXX score XXXX ), but XXXX uses a third party identity verification service that requires uploading a copy of your drivers license with readable barcode. Ive had to do this with other identity verification processes and never had a problem but I could not get it to work with XXXX third party service. 

So, I called them to resolve the issue and they absolutely refused to work with me in any way, shape or form. I even asked to be elevated to a supervisor also refused to offer any alternatives to resolving the matter. I am certainly sensitive to the issue of identity theft but a major financial institution like XXXX should have alternatives to resolve such issues again, credit score of XXXX I could easily provide a federal employee ID, military retiree ID, birth certificate, US Passport, etc for them to confirm my identitybut they made no attempt or offer to resolve the matter. 

This company ( XXXX, Synchrony Bank ) should must be a pretty incompetent financial business to make no effort to resolve an issue with someone with my credit score makes me wonder if they are not running some sort of scam that prefers people who cant or dont pay because they can then get some sort of government tax or insurance scam.
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 XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me.
Product: Debt collection

Fair collections and out is re-aging an old debt for the amount of XXXX. It is hurting my credit worthiness. It is stating that the account was opened on X/XX/12 and that is untrue, nor does this company have an active license to collect any debts in the state of Washington. This is an illegal practice and I would appreciate if it was deleted from all major credit bureaus immediately. I have called this company on XX/XX/XXXX and XX/XX/XXXX and they would not listen or try to resolve
Product: Debt collection

Pioneer Credit RecoveryXXXX XXXX XXXX sent me a letter in the mail stating that I owed a debt to them based of an alleged previous debt owed to the department of defense that I have no knowledge of. They are reporting this debt to the consumer reporting agencies causing my credit score to drop significantly which is stopping me from getting a new place of residence and causing significant stress and hardship for me. They have not proven any rights to collect, provided any validation, or responded to any of my request for original information according to rule 1002.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

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

The account was satisfied. I did not received a 1099C. I paid this account so it is not a charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously contacted Equifax about this issue. I sent a XXXX  written request for EQUIFAX to correct my credit report.
Product: Credit reporting or other personal consumer reports

I filed a CFPB complaint XXXX, company responded that they would notify me of the results personally, not wanting to do it publically. To date I haven't received notification, response, nor has the information been removed from my accounts. I want an immediate, public response from XXXX reguarding the steps they have taken to remove this fraudulent account from my file.
Product: Credit reporting or other personal consumer reports

I see fraudulent accounts or charges appear on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) that have significantly impacted my financial standing and personal life. As a victim of identity theft, I have discovered numerous fraudulent accounts and inaccuracies in my credit reports, which the credit reporting agencies and creditors have failed to address adequately despite my efforts to rectify these issues through proper channels. 

Summary of the Issue : I have been the victim of identity theft, with several fraudulent accounts opened in my name. I have reported these inaccuracies to the respective credit bureausXXXX, Equifax, and Experianas well as to the original creditors, outlining the fraudulent accounts and requesting their removal under the guidelines of the FCRA. Despite these efforts, my disputes have not been resolved satisfactorily, and the fraudulent information continues to adversely affect my credit report.
Product: Debt collection

I keep getting calls from a XXXX number who calls themselves XXXX. I was accused of a debt owed and legal action that would be taken out against me. 
I requested information about the alleged debt, and was denied. 
I requested information about the company and what XXXX stood for and was denied. 

Rep Threatened to continue to call and harass when I asked for them to remove my name and number from the call list person responded " too bad Im going to continue to call '' Rep Threatened to take negative or legal action, person said legal papers will be filed
Product: Debt collection

Macy 's Credit Dept continues to call after payment to bring account up to date has been made. They are the only creditor to call if you are one day late on a payment. Also, when the past due amount is made and acknowledged they continue to call because their system does not update the minimum due for the next month after a payment is made. Example - payment amount due on the XXXX of the month is XXXX. It is made on XX/XX/XXXX. Minimum due the next XXXX of the month is not updated with one day late payment. They charge you a late fee ( which I understand ) but continue to call asking for a " post dated '' check for the NEXT month 's payment which is 25 days away. XXXX????
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX XXXX XXXX are reporting the XXXX XXXX XXXX partial account number XXXX on my credit report. ( Please see page attached. ) There is no outstanding balance due. The bureaus removed this account previously and now they are reporting it again. This false reporting is seriously harming my credit score and needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX XXXX several times to fix this however, I have not been successful.
Product: Debt collection

I have asked them to provide documentation/bill for amount they claim is owed - I believe this is paid or is more than 7 years old. I have asked them to stop calling - they call sometimes 2 or 3 times in a row mostly with no message.
Product: Debt collection

I have student loan debt and was in default for a long time. When I finally got a job I did n't really make enough to make payments, but instead of trying to work out a solution I ignored the problem for a while. I finally started working things out in 2014 and qualified to consolidate all my loans but XXXX, which were getting ready to garnish my wages. I asked the collection company if they would release them to be consolidated but they refused. My wages are being garnished at 15 % of my total income, not just disposable income. It is my understanding that it should be 15 % of whatever I make over the federal poverty level. I have tried to ask the collections to correct it, but they said that my employer must not be using the form given them to figure the correct amount. Bottom line, I can not be self sufficient and be on my own with this amount of money coming out of my check every pay. I would like them to adjust the amount they take or add those loans to my consolidated loans in which I qualify for the income based repayment plan which is more affordable to me. I do n't want to end of losing my job because I ca n't afford transportation there. My living expenses are a hardship just to take care of bare minimum items.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 isc 168 section 602 states I have right to privacy it also states 1681 604a a consumer reporting agency cant furnish a account without my written instructions
Product: Checking or savings account

I have had a Chase checking account for several years. I have my social security direct deposited into my checking account. Just over 2 months ago I learned my account was over {$2000.00} in the negative. I called social security to stop my check from being lost to Chase 's overdraft practices. I was unable to stop it in time and lost half of my limited income. I filed an investigation with the bank and some those funds were returned to me. I got a new debit card. I had my social security direct deposited again. Before I realized it the same thing happened again. I called and tried to have the account frozen. No one would help me. I received a letter from Chase saying I was right and the money they returned stood. But I still lost my s.s. check which sent me and my bill paying into a spiral into a deep hole. I had to leave my home and am now XXXX  and will probably lose my vehicle as well. As soon as my new card came in, new strange charges again appeared on my account. I called and complained. I was told to go to a branch for help. I did and was told that since I had already received help they were not going to help me again. I had again had my s.s. check direct deposited thinking everything was straight. Not only did I lose it but instead of just {$1000.00} in the negative I'm now {$2000.00} in the negative even after again losing my s.s. check again to the Chase bank. Over the past two weeks I've been dealing with storing my belongs, finding a place to stay temporarily. ( I live with my adult son who has been fighting his past and struggling to get a job so we r both XXXX ) and have not been able to physically go to a Chase location. I plan to on wednesday but from my last reception I don't expect much help. Of course on top of all the bogus charges are the bank overdraft charges. I have ordered the government direct deposit card and my next check will go there but that won't happen for another three weeks. In the meantime I can't pay any bills, I can't buy food, gas, etc. I have no money to pay to get into an apartment. 
My biggest question and complaint is why didn't Chase stop these charges before Chase allowed this situation to completely destroy my life. I don't know where to turn.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with Capital One and do not have a contract with Capital One. They did not provide me with the original application like i asked but I keep getting automated responses
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE AND DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY PROFILE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I AM A VICTIM OF IDENTITY THEFT
Product: Debt collection

The company put the adverse information on my credit report. before contacting me. I call them to inform them of the issue. The supervisor refused to send me any information and said that the information on my report will stay until sprint contact them. I told them I am only dealing with sprint due to my dispute of the debt was with them and they would have known if they would have properly contacted me. They said they contacted me by phone but were not allowed to leave messages, in which that was the only way I woukd have known they called.
Product: Credit reporting, credit repair services, or other personal consumer reports

other reports show XXXX balance, closed ... ..TransUnion update pending for months, please correct immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX