23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

New Rez LLC in Pennsylvania acquired a mortgage from XXXX. Mortgage is in good standing with no break in payment history. In XXXX 2020, I called New Rez to refinance mortgage at a lower interest rate. Property was appraised in XX/XX/ 2020, found in good conditions and appraised at nearly double the amount owed. I made multiples phone calls and sent emails to ascertain the status of my application and to get a closing date. As of today, the New Rez staff hasnt given me an estimated closing date. In fact, I believe this company has purposely prolonged this refinance process to keep charging me a higher interest rate. Additionally, this company lacks an understanding of the NJ laws that allow a married woman to own and maintain an investment property on her own right.
Product: Credit card

On XXXX I received XXXX notices for XXXX purchases I did not make. I first started a chat with Klarna with a person name XXXX who told me to contact my bank freeze my account and change the passcode which Klarna took no responsibility to help me with these bogus charges. I then decided to find a phone number for Klarna which is almost impossible but I found one and called and spoke to a woman with a heavy accent so I don't have her name. She said I was calling XXXX. She too wasn't much help and pacified me telling me the charges PROBABLY won't go thru and that I should stop worrying. She also told me to call the merchants which I had called even before I was told. XXXX. XXXX first fraudulent purchase for XXXX I called and they answered the call as XXXX XXXX The woman told me they have no way of finding out who made the charge ( hard to believe ) I then called XXXX XXXX XXXX XXXX in California the XXXX location. I spoke to a young man who got his XXXX on the phone and he told me he would need the location and maybe he could help but I can't find the location because there are too many to research Here are the fraudulent charges XXXX XXXX on XX/XX/year> @ XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX on XX/XX/year> @ XXXX XXXX  Amount XXXX XXXX. XXXX XXXX on XX/XX/year> @ XXXX XXXX  Amount XXXX I froze my card I reported fraud thru the klarna app and now headed to my bank to report this crime. I live in Maine and these bogus charges were from XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.., I found that under section XXXX ( a ) XXXX, XXXX, and TransUnion 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 XXXX XXXX XXXX after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required XXXX Report for you ( which complies with FCRA XXXX XXXX ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate XXXX XXXX XXXX XXXX law enforcement agency, including the XXXX XXXX XXXXXXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX 

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business XXXX after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need my credit file to be updated with the correct information I had some issues with incorrect items on my file. My current and on address is XXXX XXXX XXXX , XXXX XXXX, OH XXXX. My name is XXXX XXXX XXXX please delete any other variation of my name. My DOB is XXXX. My SS is XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX XXXX , OH XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX I have cellphone numbers that do not belong to me on my credit please delete at once : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

We paid for a storage unit using a Wells Fargo credit card card for several months. When we vacated the unit and followed the proper procedure for discontinuing the service, we found that we were charged for an extra month. We discussed this with the vendor who claimed to issue us a refund for that extra month we were erroneously charged. After several days, we still did not see the refund, we followed up with Wells Fargo who confirmed that no refund processed and none was in process either. At this point, we filed a dispute with Wells Fargo on the charge. We got a claim number for the dispute on XX/XX/XXXX. 

We received emails from Wells Fargo every 2 weeks saying we are making progress on your dispute. On XX/XX/XXXX, we received a voicemail from Wells Fargo asking us to call them back. We did so immediately. Over the course of the conversation with the claims team representatives, we were told that actually, nothing at all had happened with the claim since we filed it on XX/XX/XXXX ( despite the emails from Wells Fargo assuring us otherwise ). The representative said that they needed another 3-5 business days to process a temporary credit on our card. 

So as of the time of this writing, it has been 94 days, past the limit that Wells Fargo has to resolve a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Confirmation of the inability of this agency to report timely or accurately! Score was XXXX a day or so ago now dropped even while all of outstanding debts PAID! Credit bureau-XXXX XXXX bureau-XXXX Equifax bureau-XXXX XXXX As of Today XXXX FAIR XXXX POINTS XXXX XXXX TOTAL DEBT {$18000.00} CREDIT USAGE 89 %. How pathetic they do not pull correct balances ndpost. In my opinion indicative of a desire to keep scores low for millions!
Product: Credit reporting or other personal consumer reports

The bank : World Finance Corporation Personal Loan XXXX XXXX XXXX XXXX, SC XXXX United States XXXX This pertains to identity theft. I am contacting you to inform you that this bank opened a fraudulent personal loan under my name. Despite the individual who opened the account spelling my name incorrectly and having the incorrect address, they opened the loan. It affected my credit score and it also caused me great emotional distress at home and at work. I submitted all of the paperwork they requested and created an account with identitytheft.gov. The bank initially did not respond to my emails or phone calls. I had to continuously email and call. Despite it being almost the 30 allotted days since they obtained my required forms and information ( XXXX ), they did not have their compliance team investigate until XXXX on XXXXXXXX After continuously contacting and sending extra paperwork, I am just now finding out that they did approve my dispute. My concern is the length of time it took ( I do not care if there was a holiday during that time, it was a mistake on their part ). They did not issue an apology. Additionally I am seeing based of review online both at XXXX XXXX XXXX and elsewhere that this is not uncommon. My understanding based off the information on their website is that personal loans require much documentation from the customer. They took fraudulent documentation, did not investigate it, and allowed someone to use my identity to open a line of credit. This bank 's business practices and their practices regarding how they approve their customers needs to be investigated. It is unacceptable to open a fraudulent account with a fake address and name spelled incorrectly. 

I want an apology for the amount of trouble I went through to correct THEIR ERROR and I want their business practices to be investigated.
Product: Credit card

I recently visited XXXX XXXX and got scammed by a taxi driver on XX/XX/year>. Our visa account was charged {$490.00} for a XXXX mile taxi ride. I attempted to reach out to the merchant but can not locate the company based on the information provided in my XXXX card statement. I do not have a receipt. I disputed the transaction with Bank Of America but was denied. My request for an appeal has not been followed up by Bank of America.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # 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, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This company is trying to collect a debt that is not mine and has put adverse information on my credit report. 
ONLINE INFORMATION SERVI Account number XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, XXXX, NC, XXXX
Product: Credit reporting or other personal consumer reports

I have been attempting to work with this credit reporting agency since XXXXXXXX XXXX XXXX I reached out several times to request that corrections be made to my credit profile. They continue to report the WRONG name, addresses, accounts, and inquiries. I am a victim of identity theft. There were people who had the same name as me who impersonated me and opened accounts in my name using my information. After bringing this to the agency 's attention, they continue to report it. I have specifically requested that my NAME be reported as XXXX XXXX XXXX as this is the exact way that I use it any time I apply for anything. This agency 's failure to do so allowed the thieves to use my information. This agency is in FULL violation of FCRA laws 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), and 15 USC 1681b . They have allowed multiple entities to access my information without having a permissible purpose or my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX - XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX is still reporting a collection to my XXXXhree credit bureau reports that is INVALID. There was a mix-up with my social security number and somehow someone with the name XXXX XXXX ' defaulted account was associated with my social security number. I was never involved or in any way responsible for this debt. I spoke with XXXX at XXXX XXXX XXXX XXXX XXXX XXXX and have sent a letter to them requesting they remove this INVALID debt, yet they continue to report it. I have attached my identification documents to prove my name and social security number as well as the trade-line of the collection from my reports, and the letter I sent to XXXX XXXX XXXX XXXX XXXX XXXX. This has been adversely impacting my credit reports and my ability to get loans for years now and demand that this invalid debt get removed from my credit reports immediately
Product: Mortgage

In XX/XX/XXXX, I attempted to work with XXXX on a loan modification on property XXXX XXXX XXXX XXXX, XXXX Texas. I worked for 2 years to try to modify the loan. Each time I sent paperwork in, it was missing something or they couldn't open email or didn't receive the faxes. Then I would have to start over and each time they delayed the modification. Every 3 months I was on a forebearance payment. Then I got notice that they sent a notice denying my modification and they sent it to foreclosure in XX/XX/XXXX. When I offered to pay the back fees and missed payments they gave me an astronomical number that I could not pay. There was a second mortgage on the property owned by Washington mutual and then later sold to JP morgan chase. I did not receive any documents from XXXX or Chase on what the house was sold for and did not voluntarily forfeit the property. Chase sent the Cancellation of Debt for that period and have represented it as the foreclosure occurred on XX/XX/XXXX when actually the event should have occurred in XX/XX/XXXX, not sure of date because I received no paperwork. Also the fair market value of the property is not correct. The fair market value should have been taken for XX/XX/XXXX instead of XX/XX/XXXX. We feel that we are not responsible for the debt in XX/XX/XXXX when it was suppose to be XX/XX/XXXX when we were insolvent. Also we were misrepresented with Washington mutual and the second mortgage was suppose to be tied to the property. Chase was notorious for these kind of tactics in XX/XX/XXXX thru XX/XX/XXXX with foreclosures and we have had other properties that foreclosed in that era that chase actually had a lawsuit where we got proceeds from. We will include the Cancellation of debt but redact it as in dispute with Chase. We have sent a letter to chase to make the changes on the document and the document to the IRS. We also didn't receive the XXXX Debt cancellation until the end of XX/XX/XXXX. They also didn't release the lien until XX/XX/XXXX even though the property had been sold. When I called and spoke with Chase concerning this mattter, Chase stated that they sold the property in XX/XX/XXXX for enought to cover the first and second mortgage but by law they did not have to pay off the second mortgage. When I asked Chase to show me proof of bills they had been sending to try to recover this second mortgage, they stated that they do not send out any bills and that we just should have known. When asking them about the fair market value being for XX/XX/XXXX and not XX/XX/XXXX, Chase stated that they can make the fair market value what every they want to make it. I asked to speak with a manager or someone in a higher positiation and they stated they were they highest position in Chase. 

Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I was accepted into XXXX 's Accelerated XXXX Program and the first semester was to begin on XX/XX/2022. To pay for the program, I had taken out a student loan through Discover in the amount of {$26000.00}. 

On XX/XX/2022 I withdrew from XXXX XXXX  University XXXX XXXX XXXX XXXX. I withdrew within their specified time frame to receive a 100 % refund. I instructed XXXX to send the money back to Discover so that my loan could be cancelled. 

I have made numerous documented phone calls and emails to both the school and the lender, only to have to reexplain the situation to each new representative. XXXX claims a refund was mailed out on XX/XX/XXXX which was cashed by Discover. XXXX has provided a check number, but Discover has refused to cash the check. Discover claims that they sent the funds back to XXXX because it was a collective refund sent to them without a student roster. XXXX has yet to send another check to Discover. It has been 4 months, and the loan has yet to be refunded. It is collecting interest daily which Discover has led me to believe I am responsible for.
Product: Credit reporting or other personal consumer reports

While viewing my credit report i noticed unauthorized inquiries can you please remove them. THANKS
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely
manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY RIGHTS WERE VIOLATED WITH THESE CREDITORS XXXX XXXX WAS PART OF A CLASS ACTION LAWSUIT I WAS APPART OF FOR THE SPAM CALLS XXXX TIMES DAILY MY ACOUNT WAS SOLD TO XXXX XXXX XXXX. XXXX XXXX AND XXXX XXXX XXXX NEED TO REMOVED OFF MY ACCOUNT XXXX XXXX XXXX MISS HANDLED INVESTGATION OF ACCOUNT XXXX XXXX MY ACCOUNTS WERE compromise capital one cut my cards off without my permission INSTEAD OF REPLACING THEM WITH NEW CARDS INVESTIGATION WAS NOT HANDLED PROPERLY CAPITAL ONE XXXX CAPITAL ONE XXXX 15 U.S.C.1681SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C.1681 SECTION 604 SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. ( A ) ( 5 ) SECTION 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 BY MORE THAN XXXX YEARS. 
15 U.S.C.1681 2 ( A ) ( 1 ) a PERSON SHOULD NOT BE IF YOU ARE FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE