23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

THIS IS THE SECOND COMPLAINT. CFP just CLOSED a complaint based on a super flimsy 'reply ' after two months from PHH . I had Multiple complaint topics and PHH ONLY addressed the Property Tax Issue. I will CONTINUE TO RE OPEN UNTIL THEY MEET ALL FAIR LENDING PRACTICES. ~~ The Fraud company Only addressed One small complaint. We have called MULTIPLE times and have sent the form ( lawyer signed ) in to be Able to talk about our account. PHH Somehow never Receives the signed forms from the attorney that are faxed ( hmmm ). 1 ) PHH will not communicate at all about mortgage, nor answer any questions, even after forms sent. 2 ) I have written on every cashiers check to be applied Wholely to principal ( I have copies ) and they have not 3 ) There is a balance in Holding not applied to mortgage and PHH will not communicate about it 4 ) they have charged new attorney fees ( and we will not be paying attorney fees associated with their changes. But they keep adding things to mortgage 5 ) OCWEN forced  us into bankruptcy by Refusing late pmts when job lost and Then after bankruptcy court came back and said there was money that had not been added into bankruptcy and added XXXX more in back fees ( don't care what your arguement on This ... it IS FRAUDULENT AND UNFAIR LENDING ). 6 ) Per bankruptcy agreement, all changes are suppose to go through attorney, PHH has sent nothing to attorney. I will not be making a payment that changed and not letting attorney verify it with sending them a written, certified notification. WE have been in continual contact with our attorney and now seeking Consumer Finance and XXXX to make PHH adhere. PHH can not  arbitrarily assign fees and Back pmts due, not go through bankruptcy attorney, hold monies and not apply to principal, disregard my instructions to apply pmts to principal, and keep conveniently loosing paper that give us Rights to talk to XXXX company about OUR mortgage. Next step will be filing suit. We are tired of how they conduct 'business '. We already know the high rate of lawsuits because of Unfair Lending PRactices against Both Ocwen and PHH
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX EMAIL : XXXX XXXX XX/XX/XXXX Credit Bureau ( XXXX ) : ADDRESSES : EXPERIAN- XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Request for Correction and Deletion of Inaccurate Personal Information per XXXX XXXX Compliance Standards To Whom XXXX XXXX  Concern, I am writing to invoke my rights under the Fair Credit Reporting Act ( FCRA ) and request the immediate correction of inaccurate and outdated personal information currently reflected in my credit report, in accordance with XXXX XXXX compliance standards. 

Upon reviewing my credit file, I have noticed that the following information is outdated and inaccurate, and I request its removal : Incorrect/Old Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Names : Any names outside of whats stated below. 
Outdated Employers : sysco ( was never my employer ) Old/Incorrect Phone Numbers : XXXX or XXXX Please ensure that the only information retained in my file is current and accurate. The correct information is as follows : Current Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Legal Name : XXXX XXXX XXXX * CURRENT CONTACT NUMBER : XXXX As per XXXX XXXX reporting guidelines, this inaccurate data should be promptly removed to maintain the integrity and accuracy of my consumer credit file. I request that these corrections be made without delay and that you provide confirmation once this has been completed. 

If additional documentation or information is required to facilitate this request, please inform me immediately. I am prepared to provide any necessary verification to expedite this process. 

Please treat this letter as a formal dispute under the FCRA and ensure that my file reflects only current, accurate information. I also request that a corrected copy of my updated credit report be sent to me once the changes have been processed. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that these updates have been completed in compliance with XXXX XXXX standards. 

Sincerely, NAME : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has ignored the XXXX Department of Justice and failed to respond to them. ( See the attached letter from the XXXX Department of Justice. )
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of credit report and noticed I had fraudulent a account on my report. Please remove all fraudulent accounts off of my credit report, they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Product: Mortgage

I have a FHA loan. My loan was with XXXX XXXX and on XX/XX/2022 I was sent a post COVID forbearance modification. It said that my first payment was due XX/XX/2022. Beginning XX/XX/2022 I started calling XXXX XXXX XXXX to make the payment. XXXX XXXX XXXX would not accept my payment and they told me I had been transferred to XXXX. I did not receive a welcome letter from XXXX giving me a new loan number or a phone number to call. I continued to call XXXX XXXX XXXX and XXXX and neither lender could find my loan or would accept the payment. Finally I received my welcome letter from XXXX with my new loan number. I then made my payment in XXXX and XXXX to XXXX because I then had a loan number where they could identify my loan. I feel as though I lost an oppurtunity to receive FHA assistance that should have been available. XXXX is now stating that the modification is no longer available. I tried to follow the modification, however they sent it to me weeks before payments were to start with no indication of how to make the payments. I feel that the transfer between XXXX XXXX XXXX and XXXX made it impossible for me to adhere to the rules of the modification.
Product: Credit reporting or other personal consumer reports

I am writing to request that the following accounts and inquiries be blocked and deleted from my credit report due to fraudulent activity associated with a data breach. As a victim of this breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these accounts and inquiries removed from my credit file. 
The following accounts should be blocked and deleted : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I XXXX XXXX have sent over several request to XXXX in regards to the misinformation on my credit report. And in response they come back advising that the information is verified but don't advise how when asked numerous times. And they send generic letters out saying that they think I disputed in error. I have attached all my complaints and their respective tracking numbers showing that I have also re sent them via certified mail to them as well. They have also neglected to update any of the disputed information to reflect they are under investigation after receiving my documentation. 
The company has already exceeded the time allowed to address the concerns. 
Please be advised by law they have 30 days to correct an issue or address it. And for FTC they have 4 days both of which have been ignored by the company. 

These complaints have also been uploaded to their document upload portal. 

Tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased an automobile in XXXX XXXX 2014 and was financed through XXXX XXXX where negative equity was rolled into the asking price of the new vehicle. As a result this inflated the cost of the vehicle to {$24000.00} with monthly payments of {$540.00}. Did not realize at the time of signing the impact the interest rates would have on the loan, especially in the event payment is late. I have experienced some hardship and had to either defer or pay late. In defering payments, I was charged up to half of the monthly payment just to defer payments. When looking at my last statement, after making 24 payments I still owe over {$20000.00} on a XXXX XXXX XXXX that currently values at {$9000.00}. the 24 payments paid ( + {$13000.00} ) does not include other fees paid. To add insult to injury, my last payment of {$540.00} shows that {$540.00} of it went to interest. 

This is killing me, and because of the negative equity in the now value of the car, I am unable to get out of this car/loan without an astronomical expense.
Product: Debt collection

An account is on my credit report that I do n't know what it is it 's hurting my credit and they do n't have proof that this account is mine
Product: Credit card

Recently received replacement store credit card from Macys. I havent used the card in several years and did not request a new card. I have tried calling the phone number on the back of the card to close the account but have only been told the wait time is over 30 minutes. I tried another number and got the same recording. I just want this account closed. I dont shop at Macys anymore and dont want or need their card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, im here contacting you to notify that on my most recently reviewed consumer report, i noticed there was some fraud/unauthorized inquiries listed. As reference please see the inquiries listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. 
I have also made contact with the listed CRA 's to advise them of these fraudulent inquiries. In response, they provided me 3rd party entities that initiated the credit pull. I also did not recognize nor authorize any parties linked to the inquiries listed above. And they did not resolve my complaint. Additionally, I have not given EXPERIAN, XXXX, or XXXX permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ). Both together and separately my consumer and privacy rights are being violated.

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information, please remove the above mentioned inquiries within 15 days of receiving this complaint. It is your duty to accurately report information and as of now you are not doing that. I look forward to EXPERIAN, XXXX, or XXXX resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.
Product: Credit reporting or other personal consumer reports

there are several names on my Experian credit report that I attempted to have remove was told that the information was provided by the banks and it was accurate inspire of it not being my name because the names are not my name that is on my birth certificate or on my government issued identification card and my social security card. i should have to fight with Experian to have inaccurate information removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 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, credit repair services, or other personal consumer reports

I am a victim of identity theft my personal information has been in data breeches and my wallet was stolen spring of XXXX. I have reached out to XXXX XXXX, XXXX XXXX, and Equifax. none of which can seem to do the right thing and removing accounts, inquires, addresses and names that are FRAUD ON MY REPORT. I AM SUBMITTING ALL SUPPORTING DOCUMENT HERE AS AN ATTACHMENT. THESE AGENCIES LOVE TO SAY THEY CANT IDENTIFY ME OR THERES AN ERROR PLEASE NOTE I HAVE TRACKING NUMBERS FOR THE DOCUMENTS BEING SENT TO THE AGENCIES THAT TOO WILL BE ATTACHED ; consumer reporting agency shall 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 I WANT THIS REMOVED IMMEDIATELY I AM SUFFERING DAMAGES I CAN NOT GET A MORTGAGE LOAN WITH THIS FRAUD ON MY REPORT. ( ATTACHED IS PROOF OF ADDRESS, MY STATE ID, MY SSN CARD AND FTC REPORT, SO THE CREDIT REPORTING AGENCIES CAN NOT STALL IN THE PROCESS OF VERIFYING ME AS THEY HAVE DONE IN THE PAST ) I HAVE MANY NAMES, INQUIRES AND XXXX ACCOUNTS THAT DO NOT BELONG TO ME. NAMES ARE : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. ADDRESSES ARE : XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX NY, XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX NY, INQUIRES ARE : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX- XX/XX/XXXX FRAUDUANT ACCOUNTS ARE XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Accounts with XXXX  ending in XXXX for amount of XXXX dollars opened in XX/XX/2008 AND account ending in XXXX with amount of XXXX opened in XX/XX/2008 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.
Product: Debt collection

When checking my credit reports I noticed that this Midwest Recovery System is reporting that I owe a debt in the amount of {$390.00}. The original creditor shows as company by the name of XXXX XXXX  XXXX XXXX and I have no idea who either of these companies are and have never taken out a payday loan with the company XXXX XXXX XXXXXXXX. I have searched both companies and have discovered several complaints, accusations of fraud and lawsuits. I have never been notified of this so called owed debt ; by phone or mail. This account just showed up on all three of my credit reports without any notice or opportunity to challenge the validity of the account. Both companies appear to have a history of shady business practice and refuse to fall victim to whatever scam is being ran. 

This account needs to be deleted from all three credit bureaus. This is not my account and I am not sure how this company obtained my information but they need to lose it and remove this account from my credit reports ASAP. If the account is not removed for all three credit bureaus I will have no choice but to seek legal advice and take legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX that appears on my credit report. I believe this account to be fraudulent and would like to request its immediate removal. 
As you may be aware, XXXX XXXX XXXX has been adding interest every month to this charge off account, which is a clear violation of federal law. In particular, this practice violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 1 ) ( C ), which requires that any information that is not accurate, complete, or verifiable must be removed from a consumer 's credit report. 
Additionally, XXXX XXXX XXXX 's actions may constitute identity theft, which is a violation of the Fair and Accurate Credit Transactions Act ( FACTA ) Section 114, which requires credit reporting agencies to block fraudulent information from appearing on a consumer 's credit report. 
I have filed an identity theft report with the appropriate authorities and am in the process of taking legal action against XXXX XXXX XXXX for their fraudulent practices. Under the FCRA Section 611, I have the right to dispute inaccurate or fraudulent information on my credit report. I am therefore requesting that you remove this account from my report and take the necessary steps to ensure that it does not appear again in the future. 
I understand that the removal of this account may take some time, but I urge you to take immediate action to investigate this matter and remove the fraudulent account from my credit report as soon as possible. Failure to do so will result in legal action against TransUnion as well. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I stopped going to school and they kept sending and depositing money into my account after i asked them to stop because I was taking a break from school.
Product: Checking or savings account

WELLSFARGO froze my account had no access to account they notified me my deposit will be on hold .after someone withdrawed money without my knowledge or consent I had identity theft since that they forward and they did not returned my money but they did closed my account.
Product: Credit reporting or other personal consumer reports

Dear XXXX Executives, I wanted to let you know about my credit report issue. I have been a victim of identity theft and fraud, and unfortunately, I have been part of XXXX data breaches to date. Recently, I have been working with you and other organizations to get my credit reports and other information back in order. However, I have noticed that the fraudulent account belonging to XXXX XXXX XXXX XXXX has reappeared on my credit report despite being removed previously.

I want to emphasize that this account and balance are not mine, and I have already taken the necessary steps to have it removed from my credit report. So, I would appreciate it if you could resolve this issue as soon as possible.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I paid off my loans to XXXX XXXX on XX/XX/XXXX in the amount of XXXX. I requested a refund for this amount on XX/XX/XXXX and XXXX claims the electronic transfer was sent to Chase. I have contacted Chase in person and over the phone and asked them to trace the transfer with the information XXXX provided and they were unable to trace the check for me. I now have evidence that XXXX 's electronic transfer was accepted by Chase. I closed my Chase account in XXXX and never received the funds that were deposited to Chase in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a separate complaint from a separate company. As a complaint against a separate company, it should not be closed out. 

This firm represents the claimant. XXXX reported the account delinquent but subsequently processed a letter stating otherwise. While the CFPB submitted the complaint to XXXX and XXXX, XXXX ( a separate company entirely ), has not removed the error. Has refused. 

Request is made that the CFPB initiate an investigation as to why XXXX has not cleared the showing of late payment in XX/XX/2022 on XXXX XXXX XXXX XXXX XXXX ) credit report. 

Documentation is attached proving the lifting of the issue. 

XXXX XXXX, XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have allot of collections In my credit report through XXXX  and XXXX. they are all over 7 years old and some are even 10 years old. they keep giving it to new collection agencies and they keep saying that the collection account was recently opened about 1 or 2 years ago. this is not true they are all very old and the law says that collections 7 years old or up have to be removed by the credit reporting agencies. i disputed with them and they dont listen. I can't get approved for apartment. and i cant get approved for 1 single credit card. im almost XXXX years old and i am forced to XXXX  with my parents. im practically homeless. this isnt fair. the credit reporting agencies shouldnt oppress people like this. its really hard to not have a credit card and having to pay everything upfront. please help me out im really stressed out. please follow the law and get these off my credit reports. thank you.