23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

FHA Mortgage is behind from XX/XX/XXXX to XX/XX/XXXX. 
When covid forbearance ended I called and wrote US bank mortgage to inquire about repayment options and to begin regular monthly payments. 
I recieved a letter stating I do.not qualify for any type of assistance. I responded by attaching the Treasury guidelines about COVID-19 stand alone partial claim showing loan is eligible. 

Beginning of XX/XX/XXXX I recieved paperwork showing total amount of Partial claim without any type of breakdown on amounts.These documents had a deadline of 14 days to accept, sign. and return. 
This partial claim offer included revisions modifying original note agreement 's by misrepresenting FHA backed mortgages. Additionally US Bank tried to fraudulently obtain Title owned by Treasury in order to prioritize lenders interest in property over Homeowners rights. 

Middle of XX/XX/XXXX I called to let them know I wasnt comfortable signing ths terms of parital claim and again would like complete financial hardship application as requested and never recieved. 

on XXXX received notice of default in mail and demanded entire lump sum payment. The very next day other owner XXXX called to conplain about not getting this hardship application to find out about all our loss mitigation options and should not be demanded the lump sum. Was again told it would be sent out that day. 

XX/XX/XXXX was the date on fiancial hardship app and got in mail 1 week later. 
XX/XX/XXXX US BANK filed to forclosure on our FHA loan. Did not offer any type of face to face interview and delayed financial assistance resulting in larger amount of default to homeowner. 


in XXXX a fha hamp modification was dons and i finally realized it was a predatory lender practices. After hurricane irma forbearance, only option given was hamp modification i was told. this was when i had no idea of loss mitigation programs or info about it. 
over XXXX was added on to total amount of loan. Some amounts added are over max limit allowed, and some include fees that aren't permitted period. 
My fixed rate mortgage interest was fraudulently increased, monthly payment increased as well making it more likely to default.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Mortgage Service is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile and I have no permissible purpose by law to contact third parties with my private or personal information.
Product: Credit card or prepaid card

XXXX XXXX their credit card from XXXX XXXX XXXX First National Bank of Omaha XXXX When I paid my XXXX bill I sent the money to XXXX rather than XXXX. After receiving a XXXX statement I paid a late fee & interest because I thought maybe the payment didn't arrive in time. I did not owe the interest or the late fee because it was paid on time just to the wrong bank. I called XXXX times and faxed proof of payment and the collection calls and emails continued. I just got another statement and they are charging me another {$45.00} in interest and late payment fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates are approximate. 

When the news reports came out saying that Equifax had known that personal consumer information had been leaked from their system, I went to the website to try and understand how I could protect myself. The website was confusing. I started the process but was still confused, so I tried to call them. 

After being hung up multiple times, I gave up. The next day, approximately XX/XX/XXXX, I called them again. After two or three calls, I got through and spoke with someone. That person said I had to use the website. I asked to speak to a supervisor, and was put on hold and hung up on. I called back, and spoke to a representative who told me I had to use the website. I asked to speak to a supervisor, and was put on hold and spoke to a supervisor who said they were only an answering service and could not help me. They said I had to contact Equifax. 

On XX/XX/XXXX, I spent a great deal of time trying to call Equifax. I tried every number I could find. All I found was voice mails and automated systems. 

On XX/XX/XXXX, I went back to the Equifax system and discovered that my information had been leaked. I tried to contact Equifax by phone. After going through many menus, their automated system told me their automated system was unavailable, and they hung up on me.
Product: Credit reporting or other personal consumer reports

Hello All, These hard inquiries are fraudulent and doesn't belong to me and need to be removed. Please see the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Thank you, Best Regards XXXX XXXX
Product: Debt collection

I have XXXX accounts on my credit from West Asset Management that they refuse to remove. Both accounts are from XXXX XXXX XXXX in XXXX Oklahoma. I was informed that they have sent me several notices prior to placing them on my account. I advised that I received no notices or validation of the debt. I also advised that we/I have always carried XXXX medical insurance providers through my work and my mothers job. The agent as well as the supervisor verified that only XXXX insurance company was submitted to request payment and not the other. I have disputed with the agents numerous times and they refuse to remove or verify any information with the medical provider. I was advised that billing the medical insurance company is a courtesy provided by the provider and it is up to me to make sure the insurance company pays the bill. I never received any documentation to dispute the charges and when I found out they were on my credit report. I can not stress the issue with NEVER receiving any documentation to submit to the company to dispute the charges. The supervisor was extremely disrespectful and offered no additional assistance. I have valid proof that I had XXXX medical providers coverage at the time and offered to submit the documentation. The agent stated she read through the notes and does not see any notations referencing billing the secondary insurance and that she can not do any thing to remove the accounts and that I needed to obtain a different avenue.
Product: Debt collection

We originally opened an account with XXXX in XXXX XXXX for {$550.00} and paid down the account balance extensively during that time up to the point of our daughter being hospitalized for 34 Days including XXXX for a major life-threatening medical issue and tried to pay through mid XXXX but could not make payments due to our daughters extenuating medical condition and financial circumstances due to a major job loss as well. This information was communicated repeatedly to XXXX XXXX and XXXX and was denied the access to receive a Hardship Program under the Credit Card Protection plan which would have released this debt. We were discriminated against in the process because we are XXXX XXXX-Americans and also U.S. Veterans who have served our Country well. Other Majority XXXX citizens are not treated this way and that is a proven fact based on statistics and research in the area of Credit Card Protection and Hardship Programs offered to them as opposed to XXXX XXXXAmerican U.S. Citizens. 

I also reached out to the XXXX XXXX XXXX  who XXXX XXXX sold the account to and raised concerns regarding the account balance and inflated interest rates and late charges which were incorporated into my account illegally. XXXX XXXX utilized false Misrepresentation tactics when they denied us access to the Credit Card Protection Plan and illegally denied us access after I was told to raise the concerns in XXXX when I reached out to them amid my daughter being released from the hospital. I also sent them a letter in XXXX of XXXX as well regarding our financial extenuating circumstances. I also raised the concerns regarding the Credit Card Protection Plan in the portal which were instructed to do by a Customer Service Representative for XXXX XXXX. However, no one reached out to us to resolve my concerns with this matter and it still has not been resolved to this date. 

Also, I requested that Ragan & Ragan Law firm to reach back out to XXXX   regarding a reconciliation account payment register and was denied this information today as well. We do not owe this debt because we were denied access to the Credit Card Protection Plan and we exhibited an extenuating Medical Circumstance regarding our daughter and was denied debt forgiveness, although XXXX and XXXX have forgiven others of their debt even without a Credit Card Protection Program with this type and/other extenuating medical circumstances. They just refused to release ours because we XXXX XXXX-Americans.
Product: Credit reporting or other personal consumer reports

15 US code 1681g ( a ) Information on file ; sources ; report recipients Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 

Delete the following inquiries from my credit report ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; U.S POSTAL SVC FED, has violated my rights with an unauthorized inquiry on XX/XX/20 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting 2 tradelines on my TransUnion credit report that are not my accounts. I have disputed this information and you have constantly came back verified without proper information. I have filed an ftc identity theft report as I have stated many times these accounts are not mine. I demand these accounts be removed immediately or I will have to take legal action against your company.
Product: Credit card or prepaid card

Filed dispute for refund not provided as a result of merchant not providing the service paid for. Received a request for information in mid-XXXX and supplied the information. Received letter dated XX/XX/2020, my case was closed due to not receiving information. Called, they said info received. Case manager called me and left message. Two attempts to call back were not returned by case manager. Spoke to general customer service who requested additional details which were provided. About one week later received letter saying case is closed due to insufficient information. However, as described all requested information has been provided.
Product: Mortgage

countrywide mortgage took a pre existing home equity loan for XXXX dollars and without my consent or knowledge changed the loan balance to XXXX dollars in which I, ve been paying for since 2007. the loan was sold to bank of America and than to XXXX I, ve pursued this matter vigorously to where bank ok America has investigated this complaint thru it, s CEO president XXXX XXXX XXXX who informed me after a thourough investigation she had no other options but to refer this case to their fraude dept. I was told by XXXX that after 30 to 60 days that the fraude dept would be in contact with me, it, s been close to a year now with no contact, I, ve tried contacting XXXX since than with no success. I, ve filed a complaint by mail with CFPB with no success, I, ve attempted to employ the FBI to look into this obvious case of bank fraude with no response. bank of America has turned this case over to the fraude dept and I, am still paying as of this date for a fraudulent loan
Product: Bank account or service

visited bank to requested a voided check and was accosted to apply for a credit card - informed sales agent I was concerned that credit application would place another " hit '' with an inquiry to the bureaus with my application. Agent informed me this inquiry plus the others I suggested concern about were " soft '' inquiries and would not show up OR affect my credit score. Shortly after being denied for a few more applications, I found out this was not true. BOA '' refuses to amend this credit application to inform the bureaus that it was invalid.
Product: Student loan

Navient had predatory strategies from changing and transferring my account from debt collector to the next.. From bad information, reporting to my credit with not from payments and dates. This overall, interfere with my credit score. They were the worse with trying to get a payment plan going, from handling the laws with congress. Overall its a mess.
Product: Credit reporting or other personal consumer reports

This mortgage was taken under an XXXX, not a personal mortgage yet it is reporting under my personal credit.
Product: Checking or savings account

I am a victim of identity theft, my information was compromised and fraudulent transactions and credit cards were opened without my authorization. I do understand that because my information was compromised, my account could be at risk however I did add extra security measures over my social security number and other bank accounts and my drivers license. With this extra security measures, I get additional screening before any applications get approve with any government assistances or loans. I think with this extra step chase should consider giving a second chance and allowing me to full take control over my chase account. I've had my chase account for 5 years and this has never been an issue up until I was a victim of identity theft.
Product: Payday loan, title loan, personal loan, or advance loan

From XXXX, I contracted XXXX on XXXX separate occasions and was forced per CDC guidelines to quarantine. In the jobs that I had, I was only compensated for when I was symptomatic ( usually XXXX days ) the other I had to take no pay. I kept a good payment history with my creditors but XXXX thing led to another and I fell behind on basic expenses ( XXXX ; XXXX etc ). I started to fall behind and then found myself caught in a debt trap.
Product: Student loan

When signing up for loan through Sun Trust Bank, advertised as allowing auto-payments with a reduction in interest for using auto payments. No asterisk or fine print associated with this claim on their website. Still seen here : https : //www.suntrust.com/XXXX " 0.25 % interest rate reduction for auto pay. '' Today I called and spoke to both the Lender ( Sun Trust Bank : XXXX ) and the loan serving company XXXX XXXX XXXX XXXX : XXXX ). Both informed me that automatic payments will not be accepted on my loan because I am paying interest-only while in school. They state that their computer system can not handle this. Clearly this is a deliberate predatory practice designed so that customers will forget to make manual monthly payments, so that the company can collect late fees and additional interest.
Product: Checking or savings account

CAPITAL ONE 360 PERSONAL CHECKING PLACES OBSTACLES FOR DISPUTING POSTED AND CLEARED TRANSACTIONS - CUSTOMER SERVICE REFUSES TO ACCEPT DISPUTE OF DUPLICATE CHARGES AND REFUSES TO REMOVE FALSE UNAUTHORIZED DUPLICATE HOLD FREEZING ACCOUNT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX  : XXXX  XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sold Bitcoin online on localbitcoins.com using paypal to XXXX XXXX. I sent her paypal invoice to pay on paypal. She wanted to send payment through Family and Friends option. I allowed her to do so. Each transaction was for {$1000.00} totaling {$3000.00} purchased on XX/XX/2018 and XX/XX/2018. On XX/XX/2018 she opened dispute with paypal saying that it was unauthorized. Paypal sent me an email on XX/XX/2018 about this that they are reviewing. I logged in to paypal to find my balance showing as - {$3000.00}. I called paypal and I explained my situation. Later that day I found that paypal had resolved the issue and my balance was back to {$0.00} and not negative anymore. I was so afraid to use paypal again that I decided to close my account as I had never sold and never faced this problem before. Upon closing, I recieved an email from paypal that my account is closed and can not be reopened using same email. Just yesterday on XX/XX/2018, I got email from paypal saying buyers bank requested reversal for all {$3000.00}. 

All 3 transactions were authorized and the buyer sent me her ID with selfie and note saying this was nonrefundable. I also have all her communication and receipt of the sale. All payments were sent using paypal balance and her email. 
For paypal to close the matter and allow me to close my account and then to email me 5 days later does not seem right. If there is a negative balance, paypal never allows user to close their account. But my balance was set back to normal by paypal after they realized XXXX XXXX authorized this transaction and closed the dispute, there was no open dispute upon me closing my account. This seems to me like someone working at paypal/localbitcoins and working together with XXXX XXXX to scam people of their hard earned money by saying unauthorized transaction. This transaction was legitimate. I need your help in investigating this matter.
Product: Payday loan, title loan, personal loan, or advance loan

It has come to my attention that you DISCOVER PERSONAL LOAN ( Person ) are reporting my transactions with your company to the consumer report. You DISCOVER PERSONAL LOAN ( Person ) have reported a transaction on account ending in on this day XXXX, XXXX XX/XX/XXXX between I XXXX XXXX the Consumer ) and yourself DISCOVER PERSONAL LOAN ( Person ) and according to the Fair Credit Reporting Act 15 U.S. Code 1681a.

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; The term in the consumer report does not include reports containing information solely as to transactions. The transaction history between myself XXXX XXXX the ( Consumer ) and you DISCOVER PERSONAL LOAN ( Person ) is excluded from the consumer report.
Product: Debt collection

Out of nowhere, I got an alert on my credit monitoring service that a new collections account showed up. After reviewing it, it was  Southwest Credit Systems  for a debt they say I incurred back in   XXXX   with  XXXX . I spoke with someone there and told them that I never received any information about this debt and it was not mine. I never got a statement or any information on what it was. The agent said that even though it was n't mine, since I was buying a house, it would be in my best interest to pay it off and then they would remove it. I agreed, but it still shows on my credit report and still shows a balance due. It 's actually showing on ALL  XXXX .  XXXX ,   XXXX   and  XXXX . They never sent me anything or gave me the opportunity to get more information. They essentially held my credit report for ransom and demanded money in order to not ruin my credit  score.  But then ruined my  credit score  anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

I have an XXXX XXXX XXXX checking account. I paid with check # XXXX for {$100.00}, my monthly payment to American Express. 

American Express presented check # XXXX to my XXXX XXXX XXXX account and was paid by them on XX/XX/20. Image is available. 

Check # XXXX was also presented to my XXXX  XXXX XXXX account and was paid by them on XX/XX/20. For the same amount, {$100.00}. No image available for this transaction. I am missing {$100.00}. 

Telephoned and spoke with American Express agent. I was told that I would have to contact my XXXX XXXX XXXX agents to get to the bottom of it. I did. I was sent right back to American Express. Now, I am asking you, can you help me?