23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of 2006, We attempted to refinance our home. I was asked to provide check stubs and did so showing my accurate monthly income of {$2500.00} per month. Instead of verifying my income, XXXX  XXXX/Wachovia/Wells Fargo generated an application via their computer system indicating that I was making {$8000.00} per month plus my title was changed from Analyst to Vice President. So without my knowledge, of this fraud, they approved me for a loan that was already illegal to sell to consumers in Illinois ( XXXX mortgage ). Then, they took out a default insurance policy in anticipation of my default. I was also unaware of this policy until I was contacted by XXXX XXXX, advising me of this default policy. They first stated that it was illegal for them to take out a policy without my knowledge. Then they advised me that the bank had put through a claim but was denied because they did not following the federal underwriting guidelines. I also have a letter indicating this from XXXX XXXX XXXX ( the default mortgage insurance company ). One year later, the bank used the same exact application indicating my monthly income of {$8000.00} to open an equity line in the amount of {$35000.00}. Firstly, I am not aware of such equity line. There is no proof of funds distributed. Incidentally, there is no proof of any closing for either loan. We also put in about 6 or more complaints to the Consumer Financial Protection bureau. Each time, they lied about the findings. They denied all allegation, claiming they did nothing wrong when the proof was provided. Even though, I provided a letter from XXXX XXXX, they deny any such policy. They even ignore the fact that the same exact application was used a year apart. The notarys signature is also on a blank piece of paper and is dated 1 day after the loan. The mortgage shows about 6 title companies. I contacted each title company and none have any recollection or information about any closing. They all state that there was no such closing on their books. Also, a recent title search shows that I do not have a mortgage.
Product: Mortgage

In XXXX of XXXX  my house was under foreclosure so to stop the foreclosure I applied for bankruptcy because previously my bank had offered a modification but the only thing they modified was the years added on to my account they never modified a payment or interest they just added 20 years on to the account and started over again I didn't need years added on to my account I need to keep my home and possibly split up the back payments and add them to it or push it to the end of the loan I already owe too many years on it and they also added another {$4000.00} for attorney fees
Product: Mortgage

Select portfolio Service is our loan holder ; we have been attempting a loan modification since XXXX of 2016. They sent us a letter indicating they had all the information they needed and we were pretty much approved. One week later we were asked again for the same information we have already submitted several times. Based on everything they have done and said they have no intention on giving us a modification, even though they admit they are legally required to do so. We and hundreds of other customers are treated unfairly and are the victims of illegal practices and an overall culture of attempting to stall and do everything possible to not help anyone. They are at best incompetent bumbling idiots that work there or more likely - following company policy which seems to be to help no one and try and accumulate as many fees as possible ... .they charge us for evaluating our property about 6-7 times a year, they charge us to make a payment. They are acting criminally.They are predators and should be stopped.
Product: Mortgage

We attempted numerous loan modifications, but ultimately were foreclosed on even though we submitted all requested documentation and made the necessary trial period payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX XXXX, My name, social, drivers license, emails, phone and XXXX bank account was breached, the XXXX XXXX XXXX also stated mail forwarding was in place to several abandoned buildings. 

I went to the XXXX XXXX and filed a report with a Detective. I will attach everything to this email. The XXXX XXXX XXXX has confirmed with me the breach and has deleted the fraudulent accounts. 

XXXX and XXXX XXXX are battling for me against Discover and XXXX XXXX Both companies come back as " verified '' even though I have proof I was a victim of identity fraud. 

The 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship. 

These 2 accounts need to be deleted and stop being reported to XXXX XXXX : 1 ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX ) Discover Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

These three accounts are being reported too XXXX  : 1 ) XXXX  XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

2 ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

3 ) Discover Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Thank You XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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

XXXX has failed to report accurate information to the credit bureau. By law, they are suppose to. My positive payment history has not been reported in months. I have made close to {$3000.00} in payments since XXXX and my balance on all my credit reports has not reflected this. I have no payments due until XXXX  because of my very positive payment history of making large payments to pay off balance and interest. Ive contacted them and they told me they have reported my most recent balance in XXXX, but my credit report does not reflect this and have not provided any proof of this. My balance has not been correct since XXXX on all my credit reports. I have had to dispute it on Equifax, but have not had a resolution as of today. I have all the proof in my most up to date balance and payment history. Because of this, Ive not seen improvements with my FICO. In fact, it is affecting me negatively. They need to taken action by law.
Product: Checking or savings account

Child support put a levy on my bank account with out my authorization on XX/XX/2022 of the amount of {$33000.00}.
Product: Credit reporting or other personal consumer reports

Attempted to dispute an incorrect name on my credit report. Only shows up on the Transunion report. I have only ever been known as XXXX XXXX XXXX - no other aliases. 

Attempts to dispute with Transunion have been unsuccessful. I can not login to the website ( shows as unable to authenticate my identity ). Attempts to call Transunion as directed by the website result in me being transferred to a " chat '' service ( if the call doesn't disconnect first ). The chat agents then direct me to call ending up in a circle.
Product: Debt collection

In XXXX I reviewed my credit report and found items related to identity theft I HAVE SENT POLICE REPORT, FCT REPORT PROOF OF MY IDENTITY & NOTARIZED AFFIDAVIT to Capital One for this in accurate account XXXX and specific amount {$500.00} I am citizen of the unites states of age, would like to make a complaint because for this specific account they apparently do not care about consumers rights for identity theft. I have made several attempts contacting the agency disputing fraudulent accounts. They refused to Delete & consider the ( FCRA ) FAIR CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU OF CALIFORNIA CREDIT LAWS Sections 605B,  XXXX ( f ), 623 ( a ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been numerous attempts at getting the issue resolved regarding fraudulent information being on my credit report. Issues were not resolved. Items were removed from credit report and then inadvertently placed back onto the report. With some items being with other bureaus and some not. They removed XXXX XXXX Account XXXX from XXXX  and XXXX  but it still remains on Equifax credit report as closed and reporting late instead of completely removed. There is also another account also with XXXX XXXX XXXX reporting that needs to be removed from XXXX, Equifax, & XXXX. I have reached out to the bureaus and also spoken with account holders to no resolution these accounts are being very detrimental to my credit score and hindering my future business endeavors. I would like this issue to be resolved finally.
Product: Credit reporting or other personal consumer reports

Recently, when I reviewed my credit reports, I discovered two accounts that I did notrecognize : XXXX XXXX ( Account Number : XXXX ) and BARCLAYSBANKDELAWARE ( Account Number : XXXX ). I recall losing my walletyears ago, which contained my driver 's license, social security card, and credit card. Isuspect thatsomeone might have used this information to fraudulently open theseaccounts. I need assistance in removing these unauthorized accounts from my creditreport.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

This collector is reporting a debt that I have no knowledge of to the credit reporting agencies ; I have disputed the debt, first with the credit reporting agencies and then have sent this collector a request for proof of the debt via a validation letter submitted under the FDCPA, both with no response other than continued reporting of the account to the credit reporting agencies. The account did drop off of XXXX, however is still reporting on XXXX. I have attached the validation letter, sent on XXXX/XXXX/16, to which they did not respond. Per FTC Opinion letter, the reporting of a debt to a credit reporting agency is a collection activity, therefore this collector has violated the FDCPA by continuing to collect on an account after receiving a validation demand but before providing the requested proof.
Product: Mortgage

Dear..ma am or sir. Imsending this e mail..because i feel my application for modification wasn t..handled in a fair and just manner ... i was told i sas denied the modification because they didn t receive all my documents..i was never notified about the modification being denied or the foreclosure or the sale of my property..until.another party came to my property and told my tenants not to communicate with me and mot to pay me any rent they currently not accepting any documents..or giving me a chance to redeem my property my name is XXXX XXXX loan # XXXX the address XXXX XXXX XXXX XXXX XXXX XXXX ph XXXX XXXX XXXX your urgent response to this matter would be greatly appreciated. Sincerely..
Product: Mortgage

I was a XXXX customer, bought by XXXX XXXX XXXX, ballooned into having to file a Chapter XXXX and during my bankruptcy, my loan was then taken over by Nationstar. Finished my Chapter XXXX, now 11 months behind and over {$100000.00} paid in interest alone in two years right under the trustees and attorneys noses, nothing to principle. Now, I 'm supposed to be current, not- and for the first three years they were listed in XXXX spots as a secured creditor, never filing their secured debt. Confront my attorney and nobody seems to know why this was allowed to happen. Now, I come out of bankruptcy, I 'm 11 months behind and my bank ca n't help me because I have to be current twelve months, to even refinance with them. The amount they valued my home when they took over was XXXX. This is lunacy that they can still continue to do this right under the judicial system 's noses and my interest is still 8.75 % fluctuating. So, basically, I 'm in a foreclosure status after paying all that money. Not to mention I was paying my own insurance and so were they, while I proved it, they made no effort to correct the issue. Nationstar sent a XXXX page payment schedule so while the courts were paying # XXXX to XXXX XXXX XXXX, the actual secured mortgage # XXXX was accruing more late charges and the payments sent to them were allocated to the mortgage then deducted from Nationstar and sent to XXXX XXXX XXXX. Therefore, the original mortgage was being neglected and actually using the court system to get more and more money. The Final cure document was not for my current mortgage it was for # XXXX not # XXXX.
Product: Money transfer, virtual currency, or money service

I refer to Geminis letter dated XX/XX/2021, in relation to the above-captioned subject. In that letter, they declined my complaint several times. This is regarding a known scam, referenced by the FBI in their PSA ( attached ). Given my own commitment to sensible approaches to coping with situations of this nature, and my ( perhaps blind ) belief in the system, I had been optimistic for Geminis letter to deliver novel, practical, and helpful insights on the matter, which it summarily fails to do. I find it baffling and reprehensible that my money has been so egregiously misused in a fashion which violates their principles, which call me to defend my rights. ( Please check more in the letter I attached ) I also attached letters to the company and their responses. I also have the FBI formally engaged who are pursuing the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Filed for Covid relief. Was put in the program and got the runaround till it expired. Now my house is in foreclosure!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days. 

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX  / XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the XXXX XXXX written consent. 

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file.

Requested Actions Immediate blocking and removal of the fraudulent account listed above.

Written confirmation of the removal of the fraudulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future.

Several times, I have contacted the credit bureau reporting these fraudulent accounts on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, these accounts have already been deleted and not verified by other bureaus, which raises concerns as to why they remain on my report.

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete these accounts immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case.

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to Equifax Information Services XX/XX/XXXX and it was received on XX/XX/XXXX per tracking # XXXX XXXX XXXX XXXX XXXX Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX / XX/XX/XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax Information Services furnish this information. 
Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit ReporXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i have already disputed these items with the bureaus but they did not remove them, nor prove validation. 

Under Sec. 602 " I Have A Right To Privacy ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with Equifax. please review an delete All data listed. these invalid information has caused alot of denials on m credit report. update an verify all information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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

XXXX XXXX XXXX is in collections in a closed status with a balance. please remove from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to remove 2 incorrect/fraudulent previous addresses from my credit report. I first informed them of these bad addresses in XX/XX/2018 and after about a dozen calls since then, they claim to have removed the bad addresses 3 times. However subsequent credit reports from Equifax still contain the fraudulent addresses. After all this, Equifax then claimed that they could not tell me which credit company was continuing to report the bad addresses and that I needed to call each one to determine who was reporting it and to correct it. I called all of the credit agencies on my report and all say that they are not reporting the fraudulent addresses. I called Equifax yet again today XX/XX/18 and they said that there is nothing that they can do. So despite their clear admission that they are reporting fraudulent information for me, EQUIFAX SAYS THAT THEY WILL CONTINUE TO REPORT INFORMATION THAT THEY KNOW IS FRAUDULENT. PLEASE HELP!