23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying to work with Mr Cooper for my mortgage I was doing a modification and they said they would need paperwork filled out the sent me a link that would not open I requested several times and even put in a complain and then they said I was not eligible!!! And my loan officer keeps changing and they keep telling me different things or do not answer or call back. I received a letter from a lawyer that said I havent responded which is a complete lie. I was told by the gentleman who served us foreclosure paperwork to not make another payment until you go to court because I did pay almost XXXX and was told I was reinstated but would not let me make payment I have money in escrow to show the judge that they are lying and not letting me pay my bill. Look at attached say this will exapire on XX/XX/23 but it wont let me access the paperwork and when they send you a link by email it doesnt allow you to open it either
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX I was reviewing my consumer report and noticed that there was a lot of false information and outdated information on there. I reached out to the 3 Credit Reporting Agencies ( Equifax, XXXX, XXXX ) for as long as two years with no responses to my letters. numerous rounds of letters I've committed my time towards. My first round of letters started on XX/XX/XXXX and ended on XX/XX/XXXX. I've wasted nothing but time, money, and energy that got me a case full of neglect against my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

All these inquiries on my credit files are fraudulently placed. I did not fill any application out for the following, please remove these unauthorized inquires 1 ) XXXX ( XX/XX/XXXX ) 2 ) XXXX ( XX/XX/XXXX ) 3 ) XXXX  XXXX ( XX/XX/XXXX ) 4 ) XXXX/ XXXX ( XX/XX/XXXX ) 5 ) XXXX / XXXX ( XX/XX/XXXX ) 6 ) XXXX  ( XX/XX/XXXX ) 7 ) XXXX XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

It has come to my attention that this bankruptcy is not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the US bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead it is you who are the actual furnisher and this account is reporting inaccurately. 
Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit card or prepaid card

I am writing this letter to file a complaint about a fraudulent charge to my Sears Master Card credit card. On XX/XX/2018, we noticed a fraudulent charge to our credit card from a company in XXXX XXXX XXXX. The company, XXXX charged us {$43.00} for goods and services that we did not authorize. We called and filed a dispute with the credit card company stating that the charge was not authorized. The credit card company opened an investigation to the matter and concluded that the charge was not authorized by us. They reversed the charge. One month later, on XX/XX/2018, we noticed another charge from XXXX for the same amount of {$41.00}. This time we noticed that we were charged an additional {$41.00} from a different company in XXXX XXXX XXXX called XXXX XXXX. We called the credit card company once again to dispute both charges. The credit card company reversed the XX/XX/XXXX charge of {$41.00} and closed our account at our request. The company issued us new cards, but transferred the {$41.00} from XXXX XXXX to our new card. On XX/XX/XXXX, I called the company to file another dispute for the transferred amount and the credit card company opened a new investigation. I received a letter dated XX/XX/2018 that stated that they credit card company had concluded that we gave this company in XXXX XXXX XXXX our credit card number and they were going to reissue the charge to our card. I called the credit card company to speak to a representative to ask for the evidence that was used to determine that we authorize this XXXX XXXX company to charge our card, but I was told that I could not speak to anyone regarding this matter. I need help with this company because they are not being transparent with me regarding how they came to the conclusion that we were complicit in authorizing this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Convergent inquiries : XXXX XXXX XXXX, XXXX, 2021 XXXX XXXX XXXX XXXX, XXXX, 2021 XXXX XXXXXXXX XXXX, XXXX, 2021 XXXX XXXX XXXX  XX/XX/2021 XXXX Card services XXXX, XXXX, 2021 XXXX XXXX Bank XXXX, XXXX, 2021 XXXX cards XXXX XX/XX/2021 have violated my rights. 

15 U, S.C 1681 section 604 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 an account without my written instructions.
Product: Credit card or prepaid card

My card was connected through my XXXX XXXX account and there were some charges made through a XXXX app that I have no affiliation with. I have reported it for over a year now and talked to several people through the Chase company and nobody seems to help me. Everyone I have talked to gives me different answers and I was so frustrated that they didn't resolve it. XXXX shut down that account and canceled the charges made from the app but for some reason Chase won't take care of it. So I shut down my Chase account. I really want this issue resolved and taken care of. It has been stressful on me and it's preventing me from getting a house now because my credit has plummeted.
Product: Vehicle loan or lease

California Auto Finance continues to call me and threaten and harass me with the repossession of my vehicle XXXX times a day.The company is also contacting my friends and family members even after I speak with them. I am suffering from the backlash of the pandemic but I have never been 30 days late with my payment. I requested assistance due to these circumstances and was told that nobody is affected by the pandemic any longer and there is nothing that can be done if I am currently affected. California Auto Finance has also called and left messages about picking up my vehicle. They just won't stop.
Product: Debt collection

Around XXXX of 2019 I had a collection placed on my account from a company called XXXX. XXXX reported that they were collecting for XXXX XXXX XXXX. Well after speaking to XXXX corporate office ( XXXX XXXX is no longer open and was bought out by XXXX ) the account was deemed fraudulent and was removed. I've never had XXXX XXXX nor did I authorize anyone to open an account in my name. The account was removed from my credit reports XXXX XXXX. Now a company called IC Systems is reporting the same debt on my credit files. I wasn't even notified before they placed the debt on my credit reports. I spoke to a representative who informed me they have a PO Box on file. I informed her I don't have a PO Box . IC Systems is also reporting the account opened with them XXXX of 2019. That is not even possible because the account with XXXX wasn't removed from my credit reports until XXXX of 2019.
Product: Credit reporting or other personal consumer reports

A company did XXXX hard pulls on my consumer report - XXXX XXXX XXXX - XX/XX/2023, XX/XX/2023, and XX/XX/2023.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : SOUTHWEST CREDIT SYSTEMS Account Number : UNKNOWN THIS 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

We were in negotiations with XXXX XXXX  in XX/XX/2020 and advised the current mortgage holder Specialized Loan Services about a possible delay in closing past the end date of the mortgage which will end in XXXX 2020. They advised to continue sending payments as usual until closing on the new loan. This was from multiple service desks employees. We documented everything. Loan Services in XXXX returned our payment and placed a delinquency on our credit score which ended our ability to refinance with XXXX XXXX  or any other bank. 
We have spoken to many contacts with Loan Services but have had no resolution as of yet. We asked for a XXXX to extend the loan, they said they can not due since the mortgage end date has passed. Loan Services also can not refinance in Massachusetts since they have no license to so in our state. 
XXXX will refinance if our credit score is corrected. We obviously have never been late on this mortgage and are asking for a removal of the delinquency from our Credit on all three agency 's so we can refinance our home. We received a denial letter just today with only one note : Behind or delinquent history. Losing our home will be devastating and would place an Adult with XXXX XXXX  and a XXXX  service member out of their home during COVID along with XXXX other adults. 
This is the second time we filed a complaint about Specialized Loan Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the information you listed on my report : XXXX XXXX XXXX AZ XXXX # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX XXXX XXXX  Account # XXXX : Unverified Account XXXX Account # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX XXXX # XXXX : Unverified Account XXXX XXXX  XXXX # XXXX : Unverified Account XXXX XXXX XXXX XXXX # XXXX : Unverified Account XXXX XXXX XXXX # XXXX : I have never paid late these account
Product: Payday loan, title loan, personal loan, or advance loan

Re : CFPB claim XXXX XXXX re : XXXX Submitted complaint XX/XX/ Attempt to Resolve Compliant : negative outcome Request to be enjoined to CFPB Legal suit : CFPB Sues Installment XXXX XXXX for Illegally Churning Loans to Harvest Hundreds of Millions in Loan Costs and Fees A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX known as XXXX XXXX XXXXXXXX , induced struggling customers into a fee-harvesting and loan-churning scheme XX/XX/XXXX XXXX XXXX
Product: Debt collection

Repeated calls from company that I have no account or relationship with. Have requested in the past that they do not call me & advised that I am on DO NOT CALL list. This call was from XXXX no caller ID associated with number
Product: Credit reporting or other personal consumer reports

This is my 6th 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, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report. 

XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXXXXXX {$340.00} XXXX XXXXXXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$630.00} XXXX  XXXX XXXX {$760.00}
Product: Mortgage

I closed on a home in early XX/XX/XXXX and everything was understood to be under escrow. I live in a state mandate to have windstorm insurance as well as home owners insurance. So seven months later i was effected by hurricane Harvey and withstood peorsonal property damage which should have been cover by the windstorm insurance. Damages ranging from my entire fencing around my property being blown away and my shed being blown away. Now come to find out i never had windstorm insurance ( reminder it is mandatory to have to close ) so all of my damages have so far had to be repaired out of pocket. I know that my morgage loan was purchased by a different morgage company but none the less it was between the title company and the morgage company to determine mlwhat coverages i needed after i set them up with my insurance company. Everyone i talk to us just pointing the finger to different companies and no one wants to take the blame. All i know is someone dropped the ball between morgage, title and insurance company and they should be liable to cover my damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to help my son with starting his business and he needed me to cosign for him a business loan. We went to the bank and I was approved because of items on my credit that is not mine. My son has finally got his life together and it hurts me to know that I cant be of help to him. I contacted the police and the FTC. Please remove the items from my credit report. XXXX, XXXX and XXXX/XXXX.
Product: Debt collection

I bought 12 months cash option with no accrue interest. I made several payments to Conn 's and paid the last payment on XXXX/XXXX/XXXX. unpaid cash balance was {$3400.00}, payments were done as follow : XXXX/XXXX/XXXX for XXXX XXXX/XXXX/XXXX for XXXX XXXX/XXXX/XXXX for XXXX XXXX/XXXX/XXXX for XXXX ( paid in full ) on Monday XXXX XXXX, XXXX, I got a text friendly reminder that my payment was due that day. I called the number listed on the text to tell them that I had XXXX balance and they told me my 12 month not interest was denied. I paid in full 2 months before the 12 months was due.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 at approximately XXXXXXXX XXXX. I was a victim of fraud through an unauthorized transfer of funds on my chime banking account amounting to {$4900.00} I was talking to someone who was supposed to be a person of chime, the person I was speaking with was a chime support worker who would help me with a transaction on my chime account using a XXXX  app but while I was speaking to what I thought was a representative of chime, they somehow got into my account and transferring funds amounting to {$4900.00} through the pay anyone feature and then another {$750.00} through XXXX XXXX which I disputed the {$750.00} already through chime and I have received that back at this time. As for the {$4900.00} The dispute got denied two times already I currently Reopened it And submit it all my proofs which i dont understand why this one is getting denied. Please help me get my funds back it would be greatly appreciated
Product: Mortgage

TIAA Bank illegally withdrew {$840.00} from my bank account on XX/XX/19. When I phoned them regarding this issue TIAA admitted they were in the wrong. I instructed them that the unauthorized debt amout of {$840.00} needed to be credited back to my bank account because it will deplete my entire bank account for the month of XXXX. I was informed that it would take 2-3 weeks to do that. I immediately filed a stop payment and unauthorized debt of my bank account. After numerous phone calls to TIAA Bank I was informed to wait and make my XXXX mortgage payment when the 2 unauthorized payments made by them cleared my account with them. In the mean time they froze my account, would not allow me to make a payment by phone or online. After leaving several messages with TIAA Bank without receiving any call backs from them. All this resulted in delinquency notices, late fees, NSF fees and negative reporting to the credit bureaus. All this was caused 100 % by TIAA Banks poor practices, illegal bank debts and a complete unwillingness to resolve the issues they caused. All I received from them was we know we are in the wrong regarding this problem to your account, but you the customer need to file a complaint with us to resolve the negative credit reports they sent because they were generated by our computers. I have also filed a complaint with the XXXX regarding these shady montage practices by TIAA Bank. 


I made the following phone calls to XXXX Bank : XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 * Description of calls attached.
Product: Credit card or prepaid card

Fees for cash advances on Citi Credit Cards. 
I took out a cash advance of {$2600.00} for 3 days against my Citi Platinum Select Card for which Citi charged a flat fee of 5 % and in addition interest of 26.99 % APR. I was fine with the interest charge, but charging a flat fee of 5 % on top of that was unexpected and not properly disclosed. In addition, this 5 % fee amounts to a 608.33 % APR (! ) which is higher than even most payday lender would charge for this ( also for reference my FICO is 780+ ).
Product: Credit reporting or other personal consumer reports

I would like to request a verification of record that the address showing on this statement is my correct address. If you can not provide a statement that matches the address on my credit report, please delete this account immediately under the FCRA. Also, please delete any duplicate addresses reporting on this credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX did a hard inquiry without my consent. I do n't know who this company is and I have never heard of them. I contacted them and spoke to a foreigner or repeatedly asked for my personal information without finding me in their system. I disconnected the call due to repeated occurrences of asking for my personal information. I have dropped a number on my credit score. I have paid off one bill so far and know it takes awhile to show up. The main issue is this hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. 

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX & XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX {$190.00}
Product: Debt collection

numerous calls to fellow past employees, employers and family seeking information about me, they will not state who they are. Asked me to verify my info with out informing who they are and why they want the info. calls daily to many people i do not even know just worked with.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ XXXX ] [ XXXX ] Equifax : [ XXXX ] [ XXXX ] XXXX : [ XXXX ] [ XXXX ]
Product: Credit reporting or other personal consumer reports

This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today!
Product: Credit reporting or other personal consumer reports

I looked at my credit report and noticed after I called and disputed these inquiries, I notiice they are still on my credit report. Even after Equifax sent me a settlement check for my data being exposed thru thier data breach this company still failed to investigate if any of the companies listed in my FTC report had no permissible purpose to pull my credit report. The Fair Credit Reporting Act ( FCRA ) defines permissible purposes in Section 604. The FCRA protects consumers from the improper use of their credit information by limiting the use of consumer reports. I want all the companies listed below to be deleted from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or credit management

Well I signed with consumer legal group to fix my debt. Because on the phone with them they told me everything I wanted to hear not everything they were really about. They said I wouldn't have to do or even worry about anything it's on all on them now. I just make my payments they will get my payments to the bank and in 3 years debt free and credit back to normal in one year from signing day. I'm thinking this is great. Then I get a call from XXXX which explained how consumer really operates. And they told me how consumer don't make payments to anyone they just hold the money and whelp in my case keep it. Cause I was told by XXXX to request a refund from consumer and by law. So I was gon na take that refund and give it to XXXX to fix my credit. Consumer denied my refund. So XXXX gave me your info to file this. Basically consumer is lying to people. And when they have u sign the agreement they dont give u time to look it over to catch them in all their lies it sign this sign that send it right back ro me ill wait. Is what they say.Can u please help. All I is a refund