23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage company city mortgage would rather foreclose on me then except my monthly payments. I 've been fighting with my mortgage company for two years or more. I believe this is predatory lending and fraud. I went through a modification I signed off on the modification and they still foreclosed on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following inquiries on my credit report were not made by me. They should not appear on my report. The Bureau refuses to remove them.
Product: Debt collection

I have a XXXX cell phones services for my family from XXXX. 
I bought them from their website and connected during covid coz stores were closed. 
We put the account on Autopay since the beginning of the account. 
I suddenly see a letter came to us saying that my XXXX account is in collection for 2 diff bills on {$18.00} and {$54.00} that I am not aware of. XXXX customer services say they created sub accounts. 
I never got a bill or nor should I coz they are not my account number. 
So I disputed it with the customer service rep and they said it has gone to collections and I have to pay to save my credit. That was ridiculous. 
So I wrote to the collection agency saying these are not my accounts. Not sure what a sub-account is. Asked them to remove it from my record. My credit took a 54 points dive due to this. I need help to maintain my credit with this big corporate giant.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian, XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX
Product: Mortgage

On XX/XX/year> my husband and I received a letter by US mail ( and dated XX/XX/year> ) that stated that our mortgage loan was two payments overdue. The loan is being held by Freedom Mortgage. This letter was our only notification and by the time we received the letter the missed payment had already been reported to the Credit Reporting agencies. 
We subsequently called XXXX XXXX XXXX  on the next business day, XX/XX/year> - who has been submitting for several years, the mortgage payment through their electronic bill pay service. I spoke to their representative, XXXX, who stated that XXXX mails a check through a third party company - XXXX  - and that maybe it was lost in the mail. She also stated that XXXX would contact me and that she would contact Freedom Mortgage. 
On XX/XX/year> I called XXXX XXXX XXXX  and was able to speak to XXXX. My husband called XXXX XXXX XXXX  on the same day, and the representative stated that Freedom Mortgage was told not to cash the first check, return it and that XXXX was mailing a new check. 
A new check was mailed to Freedom Mortgage ; however, we were never told what happened to the first check. A XXXX representative, XXXX, did speak to a Freedom Mortgage representative while we were on the phone. Freedom Mortgage was informed that the payment was late, due to no fault of our own. 
In XXXX, XXXX, our credit score was reduced by approximately XXXX to XXXX points. I requested to Freedom Mortgage that they contact the Credit Bureaus and advise that the late payment was not our fault, but they refused. 
I would like the late payment removed from out credit report since the lateness was not our fault. Up until that time we had not late payments. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020 I have been unable to make payments due to the pandemic. Every month since then I have contacted my financial institution I have let them know this. I made payments whenever possible. On one particular occasion I made a payment of {$100.00} towards my credit card, I received a notification that the bill has been paid however the money was not deducted from my account as I thought. So I continue to make purchases with my debit card. Because I received a notice that the money was deducted from my capitol one 360 checking. I thought the payment was already made and it was not made! In fact they never took the money out of the account as they initially said so the payment was declined therefore it resulted in late fees however because of the pandemic its only happened once maybe twice at best but my credit score to drop 90 points as a result is very serious and I believe that my financial institution set me up for this to happen. Please investigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to Equifax with no response. I submitted a duplicate dispute XX/XX/XXXX. Equifax sent a regular credit report instead of an answer to my disputes. this places them in violation of the following FCRA regulation : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information * ( 1 ) Reinvestigation Required * ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

* ( C ) Limitations on extension of period to reinvestigate. Subpara- graph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very frustrated because I have mailed the credit bureaus twice and they are ignoring me. There's information that is too old to be on my report and I want it removed. I tried in XXXX and again in XXXX and I have received NOTHING in response.
Product: Checking or savings account

On XX/XX/2019, Unfortunately I deposited a Fraudulent check, I did not know that it was fraudulent when I deposited it. I was fooled into a Smart Shopper scam and I withdrew the funds and dispersed them with XXXX  and XXXX XXXX. My bank is charging me the amount of the check {$3700.00}. They are withholding my direct deposit from my employer and my savings account. I spoke to the Branch manager at the XXXX XXXX XXXX  Branch and he advised that he would not release the funds even though I explained to him that I needed this money to live on and that I have been a valued customer for many years. The amount deposited into the savings account was {$1300.00} from my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, have not had an updated Experian credit score/file since XX/XX/2018. I have asked for updates with the company directly and no one contacts me back as they say they will. I am trying to buy a house and my credit score is the same as it was 2 years ago when I have been working diligently on my credit. I have not been able to keep up with debts and they have now grown as I found out today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request for reinvestigation due to inaccurate information reporting on my credit report. I want to bring attention to the follow law which is 15 U.S Code 1681e Compliance procedures ( b ) accuracy of report. The law states the bureaus are required to follow reasonable procedures to assure maximum possible accuracy of the information reporting. They have failed to do that and my rights have been violated. The laws also state there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I even demanded that they provide me with the methods use to verify such information and have not received any response as required under 15 U.S. Code 1681 ( b ) Reasonable Procedures. I have not received any correspondence of any investigation being initiated on my behalf which is again a violation of my consumer rights. The law states that any and all unverifiable information is immediately deleted and blocked from my consumer file.
Product: Checking or savings account

XX/XX/XXXX purchased tickets for XXXX XXXX XXXX through XXXX in the amount of {$1200.00} XX/XX/XXXX found out that XXXX has issued warnings against XXXX, declaring the merchant an unauthorized seller and warning people that they will not XXXX ticket holders into the stadium. XXXX has filed a criminal complaint in a XXXX court, declaring the tickets " illegal '' and " illicit '' XX/XX/XXXX as soon as I found out, I contacted the bank to cease the transaction and did not resell the tickets because of the illicit nature of the tickets XX/XX/XXXX - XX/XX/XXXX asked XXXX for refund and for them to not send me the tickets. They aggressively continued insisting and passed along my information to the sellers who contacted me personally. ( I or the XXXX host in XXXX XXXX never received the tickets. ) XX/XX/XXXX Purchased ticket through XXXX and through a friend in XXXX XX/XX/XXXX Even though XXXX has sued XXXX, it refuses request to send a letter citing " lack of contractual obligation '' XX/XX/XXXX I  reply to XXXX saying that all I need is a letter declaring their policy and that they would not have let me into the stadium with a XXXX ticket XX/XX/XXXX-XX/XX/XXXX After not getting results via phone, contacted XXXX via form again, again requesting a simple letter that they would not have me into a stadium with a ticket from XXXX. XX/XX/XXXX XXXX responds with the same generic message XX/XX/XXXX Bank of America requests documents but notes that the final decision is in the hands of the merchant, which is a scammer. XXXX will certainly refuse and take my money. XXXX is subject of lawsuit in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, the XXXX and XXXX. It has been fined in XXXX. XX/XX/XXXX Filed complained with the FTC, though it says it can not intervene in individual matters. Encouraging " Victims of XXXX '' who are based in the US to do the same if XXXX refuses to refund. Bank of America is putting me in an unfair position with a scammer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Disputing error [ s ] /Negative information on Credit Report This is a formal complaint that Experian is reporting data that I have collected to be inaccurate and incomplete credit information. I am distressed that they have included the harmful information below in my credit profile and that they have failed to maintain proper consumer law procedures in company operations to guarantee maximum accuracy in the credit reports they have published. Credit reporting laws including : C.F.P. B 1022.42 ( a ) Reasonable policies and procedures concerning the accuracy and integrity of furnished information. This clearly states ( a ) Policies and procedures. Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. 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 you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$270.00} XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$740.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$160.00XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXXXXXX  XXXX Balance : {$4400.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I cancelled the credit card within 30 days of getting the statement with the annual fee on it. The bank refuses to remove the fee because they say the card was used after the fee was posted. However, none of that matters. All that matters is closing the card within 30 days of getting the fee. The bank must remove it, and unless this gets handled very quickly, they will also need to remove any other fees associated with not removing the annual fee on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Deleted and remove asap XXXX  XXXX Last reported XXXX XXXX, XXXX {$210.00} Reported balance Credit limit {$200.00} You're using 108 % of your account 's limit OVERVIEW Credit limit {$200.00} Minimum monthly payment SO Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX  XXXX XXXX  Date opened Balance Status XX/XX/XXXX NO STATUS. 


Inquiry delete asap XXXX  ( Bank ) XXXX XXXX ( Finance ) XXXX ( Bank ) XXXX XXXX ( Bank ) XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, {$480.00} was charged to my Citi Mastercard for XXXX XXXX. I, nor anyone on my behalf purchased airfare.

On XX/XX/XXXX, I discovered the fraudulent charge and notified Citi. They closed my card and issued a refund.

On XX/XX/XXXX, Citi reversed the refund issued and placed back the fraudulent charge of {$480.00}.

On XX/XX/XXXX, Citi card emailed me at XXXX requesting that I verify that I have reviewed my statement and still confirm that I am disputing. I responded that same day at XXXX confirming that I nor anyone authorized by me made this charge or received any benefit from this charge. Received a copy of the response from XXXX XXXX and a copy of the ticket. It did not reflect correct information that even matches my husband 's name. The middle name listed on the flight information says XXXX, but my husband 's middle name is XXXX. It also shows an email address that is not an email address we have and the phone number listed is not our phone numbers.

On XX/XX/XXXX, I spoke to XXXX XXXX in the Citi credit card fraud department. She stated that the matter would be resolved in 7-8 business days.

On XX/XX/XXXX at XXXX, I spoke to XXXX   who stated that there were no updates on the account since the last conversation on XX/XX/XXXX. She stated that she sent the request to be expedited and will follow up with XXXX XXXX and the merchant. She also stated that it should be resolved by time the billing statement ended on XX/XX/XXXX or XX/XX/XXXX. On XX/XX/XXXX at XXXX, I spoke to XXXX  in Citi card fraud department. He told me the refund had been issued on XX/XX/XXXX. I explained that I had checked my credit card statement and no refund is reflecting on my account. He hung up on me at XXXX. I immediately called back again and spoke to XXXX in Citi card fraud department. She stated that she is raising a formal complaint and it was unknown when the issue would be resolved.

Currently, as of XX/XX/XXXX, no refund has been issued back for the fraudulent charge of {$480.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried since XX/XX/XXXX for the bank XXXX XXXX to delete the mortgage that my ex has from the credit report. This was a second home that we purchased in XX/XX/XXXX as a vacation home. This is not my ex main house. He always have lived in another home. We purchased this with XXXX XXXX in XX/XX/XXXX. I  have never signed any papers with XXXX XXXX and when the mortgage has defaulted several times I have attempted for XXXX XXXX to take me off the property since the judge when I got divorced gave this property to my ex and it is stated in my divorce papers that I am not responsible for this place as of XX/XX/XXXX. Divorce papers filed at the court house in XXXX XXXX XXXX ( case # XXXX ). Now in XX/XX/XXXX my ex did a modification of this mortgage and without my knowledge or consent XXXX XXXX did the modification putting my name as married to XXXX XXXX. In XX/XX/XXXXXXXX XXXX was already married to somebody else not me and I am married to somebody else also and I am not responsible for this property per court papers. I have tried for several years for XXXX XXXX to removed me completely without any luck. XXXX , XXXX owes me {$50000.00} alimony from the divorced date until I got remarried, so I have a lien in this property for that amount. Also is showing in my credit report that I am living in all these places where XXXX XXXX live and I do not know who is reporting that if it is XXXX XXXX since it is the only thing that unfortunately still being attached to me after 15 years divorced. XXXX XXXX says that I will need to find a lawyer if I want this resolved. I had a lawyer and went to court and this should have been taken care of since XX/XX/XXXX.Attached I am also including all the addresses of all the places that the consumer report has me living.
Product: Debt collection

Dear Collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by XXXX XXXX XXXX XXXXXXXX where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Payday loan, title loan, or personal loan

I needed a loan so I saw a loan company on XXXX XXXX I applied to upstart for {$35000.00} I was approved online they charged a origination fee of $ 2500+ and deposited the balance of {$32000.00} into my checking I ask for paperwork on loan interest rate was told there isnt any I was to make 60 payments at {$940.00} after 60 CV payment I would have paid $ XXXX th iui d to me is outrageous interest it's been 24 payments I still owe, $ XXXX I feel they took advantage of me with the loan interest and not emailing me any paperwork for my file I feel this is discriminatory because I'm XXXX XXXX. How can I get help with this loan?
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  credit report shows that there is and Citicards CBNA account. This account was opened on XX/XX/2010 at that time I was XXXX years old with no knowledge of credit. This account was not opened by myself and is fraudulent.
Product: Debt collection

On XX/XX/2022 at around XXXX pm I can an unknown call stating I word a debt that I know was included in my bankruptcy. They said they mailed me many time at and invalid address and even my current address ( I never received any documents ). When I called they said when it goes to court I will owe over {$4000.00} if I pay {$900.00} today it will be resolved or even a down payment of {$300.00} and {$150.00} a month after XXXX XXXX paid. Also stated this would affect me writing checks for 7 years and wouldnt be able to open any accounts. Also they would take a lien on my husbands payroll. 

XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting

They are still showing that we were late on payments and owe back pay. I have letters and payment history showing where XXXX XXXX XXXX held our payments for months, and then applied them all at once which made it look like we were late. See attached documents proving.
Product: Credit reporting

I am filling this complaint because transunion has ignored my request to provide me with the documents that their company has on file that was used to verify an account under " XXXX ''. I have no knowledge of the account being reported on my report. under section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... ... promptly delete all information which can not be verified. '' that I have disputed. I need physical proof because I have no record of this account. Their response was that it was " verified '' but did not provide either the name of the employee who verified the account or physical proof of the verification off the account. Please resolve this matter as soon as possible.