23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We fell behind on our mortgage due to XXXX hitting my family. During this time neither myself nor my husband could work due to the illness and it's exposure. I called our mortgage company about receiving assistance through the Care Act. I was told by the agent that I was able to apply over the phone. So that's what we did. She took my information and said I was approved. Everything was explained to me about the assistance, how we could pay off, what we owe etc. I even have the agent 's name and ID number. So being told I could do this, I made the first {$500.00} payment on XX/XX/XXXX. Then a couple weeks later on XX/XX/XXXX, I called to make the second {$500.00} payment. Both payments were taken out of our bank account. So I'm thinking everything is fine with our repayment plan until I get a letter this other day stating that we have to pay {$2200.00} by XX/XX/XXXX or theyre going to start the foreclosure process. We've lived in this house for over 20 years. Also, they've not kept any records of my communications with them setting up this repayment plan yet I have one of the agents name and their agent number. They havent even wondered how I got that. Since theyre claiming to have no record of me communicating with them previously it looks like we were ignoring this situation when we weren't. Now because I was given misinformation on how to receive help, it could potentially lead to us losing our home. We didn't just up and decide to not pay the mortgage because we didn't feel like it. A potentially fatal virus made it's way into our home. This kept us out of work for a long time. That's why we fell so far behind. So when I called them for help I truly believed I received it. They happily took my {$1000.00} dollars, yet deny any communication in regards to helping me save my home. Now Ive been told we have to fill out this 26 page application to just start a process that I was specifically told had already begun. I now call them daily to verify that my communications with them the day before have been recorded. I don't trust them. The only thing I trust is I need to come up with over {$22000.00} dollars by XXXX XXXX  because that's on paper. I have 26 pages of information they want filled out immediately and faxed to them even though I'm in the middle of a state of emergency due to a snowstorm. The lady asked when I could do it. I don't know! When it's safe to leave the house! I feel decieved and scammed. We're looking into tapping into my husband 's retirement account while I fill out this 26 page application. When it comes to falling behind due to a potentially fatal virus we own that but when it comes to turning for help to a company we trusted who would but lied to us that's Rushmore 's responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax XXXX XXXX XXXX XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX CO XXXX XXXX Balance : {$0.00}. I believe it was reported in error.
Product: Credit reporting or other personal consumer reports

I am not reliable for any transactions made by the accounts listed below nor have I ever done business with these companies. These were due to identity fraud/theft and legally must be removed per 15USSC 1681B. As shown on XXXX, Experian has knowingly reported false and wrong information and it's ILLEGAL and must be removed.
Product: Mortgage

In XXXX of XXXX PHH mortgage once again decided to stop accepting my payments. Unfortunately they didnt inform me of this, nor have they returned any of my checks to me. Instead, they have been sending correspondence and most likely my personal checks, addressed to my deceased husband at an address neither of us have ever lived at. My husband has been dead for two years and neither he nor I have ever even lived in the town where PHH has been sending correspondence. My fear is that my late husband has been a victim of identity theft and someone is fraudulently receiving mail in his name. I dont know how PHH obtained this unknown address they have been sending things to, but I didnt give it to them and obviously neither did my late husband. My checks that I use to make my payments clearly have my name and address, and every qualified written request I have sent them has my name and full address at the top of the letter. PHH has been aware of my husbands death since XXXX of XXXX when I sent them his death certificate and they confirmed me as successor in interest. There is absolutely no excuse for them to be sending anything anywhere but to me at the address they know belongs to me. This is intentional. 
For two years PHH has been intentionally refusing to communicate with me, sending correspondence addressed to my late husband and addresses I havent lived at for years, and now to an unknown address. They have been denying my payments, offering me modifications and then denying or ignoring them, sending someone to photograph my house every month, and attempting to foreclose on my home even though I have made every single payment and complied with everything they have asked for. In addition to all this, they are now sending my personal information to an unknown place, and possibly an individual fraudulently using my late husbands information. This obviously puts me at risk of identity theft, not to mention a blatant disregard for my privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to an auto accident in XX/XX/2017, and not reaching a settlement with the insurance company over medical bills, we were forced to seek relief through bankruptcy. We have 2 accounts that show as included in the bankruptcy proceedings, that had no balance, and were paid off well before the bankruptcy was started. All other open accounts that were required to be listed in the proceeding that had no balances show a satisfactory rating, except these 2 accounts, and they refused to change that status, that shows on our credit report as adverse accounts. We disputed the accounts through the dispute process with the credit bureaus, and have contacted the companies directly, to no avail. 
All we are asking is that the status be changed, due to them not being included in the bankruptcy filings, only listed by law, which will change the status to satisfactory.
Product: Credit card

I was charged for a rental house through XXXX that I did not book. I contacted the merchant to inform them and they said to contact my bank. I disputed the charge with Bank of America and sent them my narrative. They did not believe me and sided with the merchant. I made multiple calls to get this cleared up and the bank was not helpful I sent them proof from XXXX showing that I did not book this house but they still have ignored my claim. My credit card company stated the merchant had a contract that my husband signed for the property. This is false and I showed them chat transcripts from XXXX that state neither me or my husband booked the house in question. They do not care and are not looking into my claim. This is almost {$3000.00} for a house that neither I or my husband booked. The last time I talked to my bank I was told too much time has passed so they won't give me my money back even if I had new proof. I am at a loss and can not afford to pay for this rental I had never booked. The bank clearly made no attempt to research what happened and just excepted the merchants fraudulent contract. I unfortunately did not think to contact XXXX through chat and request transcripts until recently because I assumed my bank would do their research. It is also incredibly difficult to get to someone who can help without being transferred a bunch of times and sitting on hold all day. It started when I was sent an invoice to pay my rental balance, I paid thinking it was for the house I booked only to find out it was not the property that I had actually booked.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 noticed unauthorized inquiries on my credit report that I did not authorize, I would like those inquiries to be removed. According to the FCRA these unverified and unauthorized items must be removed. 
Heres a couple inquiries I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXETER FINANCE LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

on XXXX XXXX XXXX i opened the account with citibank for {$25.00} by XXXX then on the XXXX of the same month i zelle to the account {$300.00} and then the XXXX of the same month i XXXX to the account {$1.00} to verify that the account is working because since i got the debit card on the mail it have never work almost 3 years now and they wont release the fund availableon my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One used my son 's SSN to report he has an account opened for 6 years, however, that is the amount of time I had the credit card. I requested a card for my son and at the time ( XX/XX/2022 ) was advised by the Capital One Rep that I did not provide the SSN. I told the rep, it I did then I wouldn't want to move forward with the request because I did not want my credit and my son 's credit comingling. The rep ensured me there were multiple ways people could do that and XXXX for the minor was not needed. 
My son is now XXXX and I ran his credit report and found that Capital One reported the card on my son 's credit report and stated the card was opened for 6 years. That's my info. 
I explained that I did not give permission to Capital One to use his SSN and requested they remove the content from my son 's report. They are refusing to make the situation right. They said I didn't need to provide his SSN because they could do all type of searches to obtain the info. If this act was done by a generic person - this would be called identity theft and scamming. Capital One used deceptive practices to obtain this information and I want them to make this right and not cause derogatory impacts to my credit nor my son 's credit. How am I supposed to teach my son to guard his SSN when you have big businesses like Capital One doing whatever they see fit with a person 's SSN - even when it's not provided. In other words, they stole his number and chose to use it for their benefit and I'm very angry about it. 
I appreciate your help with helping to favorably resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account ... XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, Dept Of Education/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.
Product: Debt collection

On XXXX/XXXX/XXXX I have an ER visit to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX GA XXXX this facility was getting absorb by XXXX XXXX XXXX Went there for a XXXX got administered medication and left the facility same day -- I got an XXXX that explained to me that insurance will treat claim as In Network and my responsibility will be my deductible + Copay amount total {$390.00}. At that time called Insurance and told them to revise claim and never heard anything or got anything else on the Mail advising resolution. Called Hospital and explained and they promise to advise me of situation before turning anything over to a collections agency. 

I moved to another address as advise Hospital of such -- My insurance also shows a bill from the DR who did not took care of me and explained to them nobody but my sister was with me while they administer the medication since IV was put on by paramedics. again asked of itimized bill of charges and they told it was still under process. Never got me a Bill. since I did not receive anything I thought this was resolve. 

This weekend Saturday XXXX/XXXX/XXXX I got a Bill from XXXX XXXX XXXX for {$3300.00} -- -- So I called Hospital for more information while I checked XXXX for XXXX and realized hospital filed same claim XXXX different times against my insurance and when they got pay already {$610.00} for the bill. When open on detail for what is being file I also see duplicate charges -- asked for the hospital on a detailed statement and explained I did not have services worth {$3000.00} and they said they will send me something but situation was already out of their hands since account in now in collections. 

After this I proceed to contact collection agency -- find out they decided to turned this over XXXX/XXXX/XXXX for {$3300.00} and explained Representative XXXX ID XXXX about it and insist not too report this against my credit since some charges on the bill will be review and hospital told me to wait on bill and gave them a call -- He made me understood will report against my credit in 30 days but I told him not to report since Bill is under investigation. 

I feel Hopeless this collection agency established in California does not care. this causing lots of stress and recently have a baby going thru to XXXX. I strongly believe hospital not even have fraudulent charges but also how to get more money ouf of insurance and never contacted insurance or even send me notification of this totally unethical. 

Please advise -- collection agency have no signed document that allows then to have my XXXX neither I signed anything release on the hospital so as know violating my right for unfair collections practices but also in violation of XXXX, I also have copies of XXXX if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pleased to see some improvements on my report and some of the inaccurate personal informations which I have disputed was removed. However, there are still remaining inaccurate personal informations on my report which is unauthorized and resulted from identity theft. I am pleading for your help to remove the remaining inaccurate personal information found on my report. Per FCRA section 605b, the credit bureau is required to remove any items listed on an identity theft report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, AZ XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Updated : XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I applied for a small installment payday loan on the Possible finance app on my phone Friday afternoon of XX/XX/22 and was approved for {$75.00} dollars. The app said the money would be deposited directly into my checking account XX/XX/22 before XXXX. The day came and went and no deposit arrived. I contacted Possible finance through the help center on their app stating I had received no deposits and sent screenshots of my bank statement and the actual message from Possible Finance about the deposit date information. I was advised via email to wait another day I was already extremely suspect but what option did I have? I wait another day, still no deposit, I reached out through the help center of the app for about the fourth time and was told to wait another day I sent more screenshots and asked the loan to be canceled as I did not wan to to pay this shady company for money I didnt receive. I got no response after that. My first installment is due XX/XX/22 but I never received these funds. I believe this Possible Finance is acting unethically and preying on desperate people for small loans with large interest rates that never get deposited.
Product: Debt collection

TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX DOB XX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT GOLD KEY CREDIT INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on  sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious GOLD KEY CREDIT INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX   XXXX DOBXX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were in default status due to intermittent unemployment and persistent underemployment. Therefore, I entered into the Loan Rehabilitation Program with XXXX XXXX XXXX on XX/XX/XXXX. The Repayment Agreement was signed and submitted to XXXX XXXX XXXX via email on Friday, XX/XX/XXXX and Thursday, XX/XX/XXXX. The Repayment Agreement states that I was supposed to make at least nine ( 9 ) monthly payments of {$5.00} each month. I have made and XXXX XXXX XXXX/XXXX XXXX XXXX has processed ten ( 10 ) payments, which was more than agreed. However, XXXX XXXX XXXX./XXXX XXXX XXXX   has neglected to provide this accurate information to all three ( 3 ) credit bureaus. I have complied with all requirements regarding timely paperwork and payment submissions. However, the incorrect repayment reporting to all three ( 3 ) credit bureaus continues to adversely affect not only my credit score, but also my attempt to secure credit. 

I have submitted all requested payments before or within the payment timeframe. The following payments, in the amount of {$5.00} each, have been submitted to date : No. Payment Date Payment Type Comment 1 XX/XX/XXXX Payment Card Submitted on XXXX website 2 XX/XX/XXXX Payment Card Submitted on XXXX website XX/XX/XXXX Money Order # XXXX XX/XX/XXXX Money Order # XXXX XX/XX/XXXX Money Order # XXXX XX/XX/XXXX Money Order # XXXX XX/XX/XXXX Money Order # XXXX XX/XX/XXXX Money Order # XXXX XX/XX/XXXX Money Order # XXXX XX/XX/XXXX Money Order # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. Regardless of the multiple written requests, the public record, accounts and inaccurate information listed below are still reporting on my credit report which is a violation of FCRA. XXXX XXXX  failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( EXPERIAN, XXXX, XXXX ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. The following items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I filed a complaint ( CFPB complaint # XXXX ) regarding this company debt collection process. No dunning letter was every received from this company. To date, they are still reporting this debt on my credit file and no debt validation has been provided. Additionally, this company stated that the account they have reporting would be removed from my credit profile as a response to my complaint. As of X/XX/2017, this account is still reporting to both XXXX and XXXX.
Product: Debt collection

Through XXXX, XXXX and XXXX this agency has not verified I approved their transaction for auto loan XXXX XXXX XXXX was orginal credititor.See Bellow- This file was removed and reappeared. It is over 7 yrs of age. Also, In accordance with the Fair Credit Reporting everything on my credit report has to be 100 % accurate. The Credit bureaus stated my account was properly investigated but how can that be possible when the balance on the count mentioned below is not accurate. This is grounds for immediate removal of this account from my report. Also, for the following reasons, my rights have also been violated : 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, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) states ; no consumer reporting agency may make any consumer report containing any of the following items of information. I did not give any agency permission to share my personal information with NCB Management Service. Account Original creditor XXXX XXXX XXXX Account number XXXX. REMOVE IMMEDIATELY .... I will sue all 3 Credit bureau agencies, XXXX XXXX XXXX and NCB Management