23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My family income rate decreased which lead us to apply for a loan modification 3 years ago. This process of mitigation has gone back and forth for 3 years with no resolution until now ... .FORECLOSURE! A realtor company just arrived to my door to inform me that our home was forclosed on Tue, XXXX XXXX. No one from Nationstar had contacted us at all. We were told that the foreclosure process would be stopped upon receiving the requested documents. This loan started with XXXX XXXX XXXX but was sold to Nationstar. The communication is horrible with Nationstar, until the last minute, to request an IMMEDIATE update on paperwork and repetitive forms that have already been faxed or emailed with confirmation. However, we ALWAYS immediately send every form/document, hardship letter, profit and loss statement, letter of explaination, etc has been sent in a timely manner. We do n't always get a confirmation from Nationstar that they 've received the documents so we have to call or email them. We ca n't get any one particular person to handle our case so it 's always difficult and almost impossible to consistently reach someone to discuss your case or issues. No clerk/technician ever has any concrete information about your case being settled, etc. They can only tell you if the documents have been received or not. After successfully receiving all requested documents our home has now been foreclosed. We 're capable of paying for our home but not at these extremely high interest rates. We 'd still love to keep our home but just do n't know what else to do. We 've even been using a third party, XXXX XXXX XXXX ( Foreclosure Prevention ) to no avail. XXXX is just as shocked about the foreclosure as we are and instructed me to file this complaint. Also, the realtor, XXXX, suggested I file a complaint as well because this happens too often and it does n't seem as though banks want to work with the occupants at all. What else is the consumer to do when you 've done all that was requested? All requests were honored in timely manners. If at all possible, IMMEDIATELY. We 've worked hard for what we have and are fighting for our rights to be property owners at this address. We 're young hard working professionals as a family of XXXX, who 's faced hardships and misfortunes just like others but we 're financially stable now and do n't know what else to do. PLEASE HELP!
Product: Mortgage

XXXX Bank crisis XXXX approval letter received. I called stated sitting on desk approved XXXX laid off. Preditoriay lending bought out at least 3 times. Fire damage from unit next door XXXX fire. XXXX  court a person followed me up ramp to secured entrance. Told person to leave me alone numerous times. I tried to explain to Judge and lawyer. I am sure they heard commotion as well as others. A lot of harrassment, agression during covid-19, fire claim, late payments and river stage. The loan balance is thousands more than I paid. After almost 15 years. 
Taken advantage by pushy people.
Product: Checking or savings account

I have a Certificate of Deposit of which I have never seen because the bank has refused to release it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you of the fraudulent accounts and information you are reporting on my Credit File that has damaged my Credit Worthiness. I researched on how to remove the fraudulent items from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX I have read that according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted due to fraud, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX  several disputes to get inaccurate items off my credit in which they fail to correct errors and never return my green return receipt showing they received my letter certified mail XXXX  shares my information with out my written consent they also never received my written consent to report anything about me which is illegal and identity theft every dispute I send in if they acknowledge it is always verified which is not accurate cause laws states that the consumer is the only person who can verify a debt so how is XXXX XXXX or these alleged creditor able to verify alleged debts for Me when 15 u.s.c 1681 clearly say that the reporting agency are supposed to to confirm everything with me the consumer before reporting it but this company breaks the law cause of the money they receive from these alleged creditor who pays them to keep control of the consumer 1681a ( 2 ) ( b ) state that no comsumer credit transaction made with my credit which is my social security card should be a private transaction but yet in still Transunion reports this information then tell me lies or give me false information on why they can't delete meaning they fell they are above the law cause they want to keep receiving money for illegal activities which has cause me personal financial injuries
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report, I discovered unauthorized credit inquiries. These unauthorized inquiry concludes that my identity has been compromised which can be very damaging to my credit rating. Please delete this inquiry from my credit report. Failure to do so is a direct violation of my FCRA consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting act American : The following Inquires Have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

ALSO THESE inquires are in itself fraudulent and not done by more nor my consent and I have not consented to the reporting in my personal name to any reporting agencies.

& 15 U.S.C. 1681-1681, imposes that responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. This is unauthorized by me and unlawful and I seek immediate removal. Ive requested this before and ive yet to get a response from my inquiry. This is my XXXX time reflecting upon this matter.
Product: Vehicle loan or lease

This is a complaint against Toyota Motor leasing. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
Product: Credit card

I have a balance transfer with Chase Freedom and I find it absurd that for automatic payments, there are only XXXX options. Either to pay the balance in full or to make the minimum payment. Where 's the option to pay something in between XXXX automatically XXXX? I 've done balance transfers in the past with Chase and have always had to option to make an automatic payment that would enable me to pay of the balance before the APR went up .This seems like another slick maneuver by the Chase to make it more difficult to pay the balance off in full before the APR is set to go up.
Product: Debt collection

Please help this medical account every two months is sold to another company. This is NOT mine nor can anyone validate it. I haven't received any notices from this new company at all giving me the right to dispute it. All I ever get it is added to my credit file which is not fair, right, or accurate. 

Please help
Product: Debt collection

I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. 
Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Please Know That I am ONLY requesting this Validation on the following accounts Opened XX/XX/XXXX ( 1 yr, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name 01 XXXX XXXX Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Please note that i see you are attempting to sue me in court on XX/XX/XXXX and i will be there to dispute it and show the just this issued complaint as my proof that i have requested debt validation and you have at this time failed to comply -
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a fairly common name, XXXX XXXX. Portfolio Recovery is calling my house multiple times a day. I 've talked to them XXXX times yet they persist in calling me. At the time of this writing, the only debt I owe is the mortgage on our house, a car payment, and a couple grand on our XXXX that we will pay off this month. This company is relentless and I do n't even owe anything! I can see how the XXXX, the XXXX, or folks who do owe a debt but ca n't pay it would be hounded by this company.
Product: Mortgage

i believe Ocwen has not been forthright with dealing with my mortgage and one example is they foreclosed on my house and did not obey the judge 's order to give me a total on what i owed them during bankruptcy.My mortgage went from XXXX to XXXX and was but on loan modification that to me wasnt one because the payments where irregular and never offered me any relief.i am not an accountant but i believe i have been mistreated.my score has changed and the delinquency i has been taken off XXXX scores seem to be up to date.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$450.00} Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX ' XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The home associated with the mortgage from Trustmark was sold and paid on XX/XX/2020. I have tried to update this 4 times with XXXX, and the lender. 
This has harmed my chance at a mortgage.
Product: Credit card or prepaid card

To Whom It May Concern : I am contacting your agency to dispute damage against my credit by Discover. Historically, I have been a Discover customer since XXXX  and have consistently paid on time over the years with no issues. Due to an incorrect email address and no attempts by Discover to reach me through a physical address, my credit has been damaged by very small amount - {$3.00} ( {$6.00} total including fees ). Please see attached statements related to the matter. 

The card was primarily my back up card and on XXXX I had to use it because my normal bank card was left in another purse. Purchases were made on XXXX at XXXX XXXX XXXX and XXXX for a total of {$48.00}. 

A payment of {$45.00} was made on XXXX without the statement because I knew I had used the card in the past month, but I couldnt remember the exact amount. I went ahead and scheduled the payment through my online bank ( XXXX XXXX ) of what I thought would cover the whole amount - {$45.00}. I was wrong in that assumption and was unaware of the email attempts Discover made to me due to an old email address and the paperless option I selected years prior ( I did update my physical address ). The statements were never sent to my physical address ; only through this old email account which I had been locked out of due to forgetting the password ( XXXX vs my updated XXXX ). 

No first, second, or final attempt was ever sent to my physical address before having my credit score negatively impacted. Had I been contacted, I would have absolutely paid off this small amount. The Ohio Attorney Generals site ( https : //www.ohioattorneygeneral.gov/FAQ/Debt-collection-FAQs # XXXX ) has this fact : 'A debt collector must send you an initial letter within five days of contacting you to tell you the amount of the debt you owe, the name of the creditor to whom you owe the debt, your rights to dispute the debt and how to request verification of the debt. ' I was contacted by mail XXXX that my account was closed due to inactivity and serious delinquency for {$6.00}. Confused, I immediately called Discover to inquire about what I read and learned the dollar amount I paid on XXXX was insufficient. I proceeded to pay off the remaining balance of in full through XXXX XXXX online banking. I asked the Discover representative if there was anything I could do to re-establish the account and apologized. I was informed there was not an option. 

A year and half later I am preparing to buy a home and I remembered this incident. I am regretful I did not catch this mishap earlier, but I also feel Discover failed to adequately contact me in the matter as prescribed by the Ohio Attorney General. I learned of the wrong email address through follow up calls recently. Again, there was nothing Discover could offer me to make things right. 

Damage to my credit for such a small amount can have rippling effects for 7 years. My other credit history demonstrates how seriously I take my great credit standing. I am hopeful your agency can act on my behalf to set things straight as the long-terms effects do not match the error made. 

Thank you for your time.
Product: Checking or savings account

I was issued a check that was not signed by the issuer, I was told this will need to be reviewed before they can clear my account. After 7 days, I was told the review processed was over, but they put my account on hold. I needed the fund in that account to close on a Mortgage, I spoke to various people at Chase I was told they needed to speak with the person who issued the check. I provided all the person 's contact information including the phone number listed on the check that was deposited. Chase had told me that they can not use that person 's information because it didnt match their system. The check issuer called and was told her PERSONAL information is not accurate ( she provided all sorts of supporting documents including her license and her correct phone number that she has been using for well over 20 years ). I escalated this issue and spoke with XXXX XXXX ( Supervisor ) from the Chase Fraud department was very unhelpful. He hung up on me after asking to speak with his superior. I am at risk of losing my deposit on this house if i cant close due to insufficient fund.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} 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
Product: Checking or savings account

I opened a business checking account with US Bank on XX/XX/XXXX - a new account bonus of {$500.00} was offered via an online ad if I deposited {$5000.00} within 30 days and completed 5 qualifying transactions within 90 days. I signed up for the account after clicking on the ad with promo code XXXX. I deposited {$5000.00} on XX/XX/XXXX and completed the XXXX qualifying transaction on or before XX/XX/XXXX. The {$5000.00} remained on deposit with the bank until XX/XX/XXXX. 

I contacted the bank in early XXXX and was told it would be 45 days from my last transaction for the bonus to post ( which would equate to XX/XX/XXXX ). As of today, XX/XX/XXXX, the bonus has still not posted and after contacting the bank again today, I was transferred to 3 different departments with no resolution and was disconnected without getting additional information.
Product: Mortgage

My mortgage servicer dovenmuehle sold my loan and never recieved a letter about this. They also would accept the next payment to forward to the new service during the transition phase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a collection account from the original creditor ( XXXX XXXX XXXX XXXX ) with a collection agency named ( XXXX XXXX XXXX ) Under a written agreement from them stating to remove from all credit reports. Experian has not removed this collection from my reports. I have disputed more than once with them. I have the Pay for Delete letter that XXXX XXXX XXXX sent me as proof. XXXX and XXXX   have already graciously removed said Item from reports.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate correction of inaccurately reported late-open accounts on my credit file maintained by Credit Bureaus . Upon reviewing my credit report, I discovered multiple instances of late-open accounts, which inaccurately portray my credit history and negatively impact my financial standing.

Specifically, the accounts listed below indicate open dates that are not consistent with the actual terms of my agreements with the respective creditors : These inaccuracies are concerning as they misrepresent my creditworthiness and could have adverse effects on my ability to obtain credit or favorable terms in the future. I request that you promptly investigate these discrepancies and take the necessary steps to correct the information on my credit report. 

Please ensure that the correct open dates are accurately reflected for each of the accounts listed above to provide an accurate portrayal of my credit history. 

Furthermore, I urge you to review your procedures to prevent such errors from occurring in the future and to provide me with written confirmation once the corrections have been made to my credit file. 

I request acknowledgement of receipt of this dispute letter within the exact timeframe and periodic updates on the progress of your investigation. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXXXXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 650 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.