23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mortgage Servicer, Specialized Loan Servicing ( SLS ), is employing unfair, abusive and deceptive practices. I am an XXXX XXXX  year old Veteran of the XXXX XXXX I have lived in my current resident since 1996. The debt on the mortgage has been serviced adequately and timely prior to my current situation. A simple analysis of the account record will attest to that. While I have retirement and limited other income, my entitlement benefits have been interrupted. Once the benefits are resumed the, mortgage debt will be adequately covered. SLS knew I was XXXX yet they served foreclosure complaint at my resident in an attempt to make it difficult for me to response within the 20 day statutory limitation. SLS has not participated in the loss mitigation process in good faith. Disparate financial treatment is not a part of my sentence. SLS filed residential foreclosure action while in loss mitigation review. After a request to the court for mediation, SLS falsely informed the court that no active loss mitigation us being reviewed and went on to falsely indicate that loss mitigation was denied. Contrary to the Loan servicer 's claim, loss mitigation is on going which is evidenced by continuous written correspondence with SLS. While there has not been a denial, requests for SLS foreclosure prevention options and request for mortgage assistance have been declared incomplete or stale or in need of resubmission without comprehensive explanations. In the months leading up the foreclosure complaint I tried to work things out through mediation. Requests for mediation were rejected. SLS appear to be participating in a sting or scam. They are stringing me along with false hope of loss mitigation while proceeding with foreclosure. I would like to keep my home plus I have equity in the house and I deserve to get the equity. The tactics being employed by SLS is designed to deprive me of the house and the equity. What normally happens in the industry is that, the mortgage holder will buy the property at the foreclosure sale for a hundred dollars ( {$100.00} ). As such, leaving no after sale credit for the home owner. In effect, cheating the homeowner of deserved equity.
Product: Money transfer, virtual currency, or money service

I send {$600.00} to XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXn XXXX fromJP Morgan Chase Bank at XXXX XXXX XXXX in XXXX NJ XXXX XXXX XXXX XXXX XXXX and it was promised to arrive at XXXXXXXX XXXX of XXXX XXXX XX/XX/2023. Today is XX/XX/2023 and the money has not rrived at the bank as of now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take note that this student loan from XXXX XXXX   XXXX was never paid late.. I have never been late on this account. The date of last activity is incorrect.. Credit Bureaus were not able to fix it, Please step up and fix the account from my credit report
Product: Mortgage

I called a number of banks simply to learn the mortgage rates offered by the institutions. A number of them ( e.g. XXXX, XXXX XXXX XXXX, XXXX ) opened up loan applications in my name and ran full credit checks without asking whether they could. I now have multiple sets of loan documents and account numbers for applications I never requested. I only wanted mortgage rates to figure out where I was going to secure my mortgage.
Product: Credit reporting or other personal consumer reports

I recently sent a complaint to you about XXXX as well I made a complaint on XXXX  about XXXX. Both responded that they could not move forward processing my notarized affidavits due to no identification I feel that was a stall tactic and I am now asking for you to help facilitate and oversee this process. In Commercial Law an unrebutted affidavit stands as judgment. I have attached all documents and resending them to XXXX as well I will make a complaint on XXXX and Equifax. I have prepared my legal team the XXXX XXXX XXXX, XXXX if the agencies continue their willful non-compliance.
Product: Debt collection

i was a victim of identity theft and please delete the items from my credit report, and i have my FTC report below
Product: Student loan

I am receiving calls at XXXX XXXX from navient, however their website states that they close at XXXX and they are calling at XXXX. These calls come from different numbers.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Experian and Equifax regarding a hard inquiry from XXXX in XX/XX/year>, requesting its removal. Despite my request, the dispute has not been properly investigated or resolved. 

I reached out to Experian and Equifax to dispute the inquiry, requesting its removal since no credit was extended to me. However, my dispute was either ignored, inadequately investigated, or denied without proper justification. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a thorough and fair investigation, yet I believe my dispute was mishandled. 

Recently, the CFPB filed a lawsuit against Experian for failing to conduct proper consumer dispute investigations, highlighting sham investigations that fail to resolve inaccuracies. I am concerned that my dispute has been treated in a similar negligent manner, leaving inaccurate and harmful information on my credit report.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ALSO KNOWN AS : XXXX XXXX XXXX EMPLOYER : XXXX XXXX. 
EMPLOYER : XXXX NAME : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Funding Date Opened XX/XX/XXXX Balance {$430.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$660.00} XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$250.00} XXXX  Date Opened XX/XX/XXXX Balance {$340.00} **Inquiries** CPS ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Government ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX  XXXXXXXX AUT ( Auto ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX 2023
Product: Debt collection

We used our " Best Buy/CitiBank '' credit card for purchases in XXXX, Arkansas. The remaining debt was {$230.00} as of XXXX XXXX, 2017. We went into the store to pay the debt on XXXX XXXX, 2017, but the store was having difficulties with their electronic cashier system. We paid them {$100.00} in cash, and wrote a personal check for the remainder, {$120.00}. The store cashier could not process the check electronically and could not print a receipt for the check. We submitted the check anyway and left the store, assuming the debt was paid. 
Collection calls began several months later, and come usually 2-3 times every day, often after XXXX XXXX. We have explained the situation with the collectors from CitiBank, but they seem to not understand and insist we owe upwards of {$280.00} due to interest and penalties. We have offered several times to immediately pay the {$120.00} because we have confirmed with our bank that the check has never cleared, but we refuse to pay the interest and penalties. And we have demanded that the reports to credit reporting agencies be rescinded. We have asked to speak with a supervisor, but this request has been denied. We will gladly pay the original remaining balance, but not the added interest and penalty. We have now asked that all calls cease immediately, but they have called twice today already. One agent did offer to remove {$39.00} fee, but no more.
Product: Credit card

Bank of America did not properly credit my account with a telephone payment. My payment was made on XXXX/XXXX/15 and my account was not credited until XXXX/XXXX/15 and only after I made at least XXXX phone calls and scheduled a meeting with my local branch. 
During the 2 week period I was seeking resolution :1. I had to endure long hold times. 
2. I was treated by rude customer service reps, including XXXX supervisor who told me to stop calling or I would just delay the process. 
3. At least XXXX calls were disconnect so that I had to start the process over again. 
4. I got calls and e-mails advising that my account was overdue. 
5. A hold was put on my account, a fact that I discovered when I tried to use my card and was told by the clerk at the point of sale that my card was declined.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I asked XXXX, Equifax and XXXX to Investigate the legitimacy of these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I asked for these accounts to be investigated because I do not recognize these accounts and furthermore the discrepancies raised more concerns with the reporting standards of these accounts. I specifically asked for substantial proof and any evidence showing my consent supporting the nature of these reporting 's. 

XXXX and EQUIFAX both stated that the accounts were 'VERIFIED AND UPDATED '' however that can not be true because the accounts that I asked to be investigated are still showing MAJOR discrepancies in the reporting between the bureaus. 

THE CREDIT BUREAUS NEVER TRULEY investigated these accounts and still continue to report them to my consume report. " According to Law 15 USC 1681s-2, a person shall not furnish any information relating to a consumer if the person knows or has reasonable cause to believe that the information is inaccurate. 

Attached is proof of falsely investigating and discrepancies ARE HIGHLIGHTED. 

XXXX  did not respond to my dispute but I have already previously submitted a complaint for them**
Product: Credit card

On XXXX/XXXX/2016 I ordered a trial size of XXXX dietary supplement from what I thought was a XXXX web site, which was actually an impostor. I paid {$4.00} for that transaction by Citi credit card on this fraudulent site. At XXXX I received an email confirmation from XXXX for this single transaction. 
The Seller, which was identified by Citi as XXXX : XXXX, represented by XXXX XXXX and XXXX XXXX XXXX were running this fraudulent web site with fake testimonials, where I bought from, which was designed to imitate official looking XXXX website complete with XXXX logo and layout XXXX The web site is no longer operational. But judging from the other customer reports on XXXX this scam might be run by multiple sellers on multiple short living web sites. 
XXXX provided a description of this scam on their web page XXXX On XXXX/XXXX/2016 the Seller made an additional charge of {$89.00} using the same credit card I supplied with the first transaction, now for subscription, which I did n't authorize and disputed with Citi. 
The Seller responded to the Citi request providing information from their real web site XXXX, claiming that I ordered subscription from that site, which I did n't. Citi declined to issue a credit for this fraudulent transaction.
Product: Mortgage

I sent NewRez an electronic payment of {$750.00} on XX/XX/XXXX, on XXXX and on XX/XX/XXXX in an effort to pay my mortgage. 

I noticed that I made an extra XXXX payment, so I emailed Newrez and asked that the extra payment be applied toward my next payment or if the {$750.00} could be refunded if not applied. 

Today I have received a notice that my last payment received was XX/XX/XXXX. So what happened to my {$750.00} payments made on XX/XX/XXXX, XXXX and XX/XX/XXXX? 

I called Newrez and asked to asked to a manager. The man that assisted, put me on hold and I finally hung up. The 1 star bad reviews says it all. NewRez does not care about their customers. 

Please helo me resolve where New Rez has applied my paynents as they SHOULD be applied as follows : Apply XX/XX/XXXX payment to XXXX Apply XXXX paymrnt to XXXX Apply XX/XX/XXXX payment to XXXX or REFUND it to me.
Product: Credit card or prepaid card

I applied and was approved for a Citi  XXXX   XXXX   XXXX . On the day I received my card in the mail, I also received a letter from  Citi  stating " We 're concerned about potentially suspicious activity on your ... '' It also states " We tried to call you to verify these transactions, but did n't reach you. '' Obviously the card was never activated and Citi never tried to call me. The letter asks me to call. I contact  Citi  and ask them to close this account. They attempt to verify my identify using my cell phone number, then my land line, and finally my work phone number. The Citi representative states they will call my work phone number, leave a code, and to call them back. I waited a day or two, having never received a call to my work line, and call them back. I go through the same process of attempting to verify my phone numbers and again do not receive a call from them.  Three to four  weeks later, on   XXXX  , I call and again go through the same phone number verification process only this time the Citi representative states that I will receive a call from a supervisor. I have spent roughly 1.5 hours on the phone with Citi representatives trying to close an account I never used. Unacceptable!!!
Product: Money transfer, virtual currency, or money service

I had an email from cash app that I had an email sent too me saying I had an unrecognizable device logged my account. I logged into my cash app account from my cellular phone which is the normal way I log in through the app. And while I was logged in apparently someone else was also because they changed my primary notification cell phone number to some other unknown unrecognized phone number and I got sent a notification. I went in and changed that phone number back to my correct phone number and change my email back to my correct email, which they had apparently changed also. And as soon as I changed my phone number back to the correct phone number I got a notification that it had been rechanged to some other unknown phone number again. Also as soon as I logged into my account I saw a notification that someone named " XXXX '' had requested {$75.00} and while I was changing my email address and cell phone number back to the correct information someone else approved that request and sent the {$75.00} on his way to this XXXX person. I immediately was trying to secure my account and change my password. And when I went in to change my password every time the only thing I could get was an error message that the last cell phone number that had been input was not available or appropriate and was not linked. The app simply refused to allow me to change my password instead it sent me to the only option it had was to contact customer service and at that time of the day the only contact customer service was through chat. And apparently at that time of day they were unavailable because they did not contact me until the next morning! The app simply refused to allow me to change my password and secure my account! I had gone ahead and started the chat to customer service but then realize that no one was there to reply to me, but they did reply the next day. I had already started and filled out all of the information for them as far as the unrecognized unauthorized transaction for {$75.00} and they sent me a follow-up for a little bit of further information which I replied to. They notified me that the claim decision number was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the accounts that I am having issues withXXXX XXXX XXXX XXXX acc # XXXX 
XXXX XXXX acc # XXXX 
XXXX XXXX XXXX acc # XXXX 
XXXX XXXX XXXX acc # XXXX. 
XXXX XXXX XXXX acc # XXXX XXXX XXXX XXXX # XXXX 
{$1500.00} acc # 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 states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report more than 7 years 15U.S.C 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized inquiries listed on my credit report. Upon reviewing my credit report, I have identified several inquiries that I did not authorize. The details of these unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am concerned about the potential impact these unauthorized inquiries may have on my credit score and overall creditworthiness. Therefore, I kindly request that you investigate these inquiries and provide proof of authorization. If you can not provide documentation that verifies my authorization for these inquiries, I ask that they be removed from my credit report immediately. 
Enclosed are copies of my credit report highlighting the unauthorized inquiries for your reference. Please notify me of the outcome of your investigation and any actions taken to resolve this matter. 
Thank you for your prompt attention to this issue. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Debt collection

I have 4 accounts with Midland Funding that is on my collections. I have no knowledge of either of these accounts. These accounts are fraudulent and look like duplicates. 2 accounts were supposedly opened on XX/XX/XXXX and the other 2 was opened XX/XX/XXXX. Ive never dealt with midland funding or the creditor they are working for. This is illegal debt.. and this is hurting me from moving on in life. They also have a default judgement against me but Ive never received mail to attend court. I currently have a case opened with XXXX to get this handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry that I didnt submit/was unaware of
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Consumer ID : XXXX DOB : XX/XX/XXXX SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX XXXX, State, Zip code : XXXX XXXX, TX XXXX XXXX To Whom This May Concern, I am writing to request an investigation of the following accounts that I have NEVER opened or used. I am requesting the deletion of the following information from my ChexSystems consumer report immediately. Inquiries : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) XX/XX/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 XXXXXX/XX/XXXX
Product: Debt collection

Ive identified multiple accounts on my credit report that appear unauthorized. Requesting immediate removal of these fraudulent items.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item to be re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX, XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.