23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am requesting the financial outline to submit a full modification package to XXXX XXXX XXXX dba Mr. Cooper, but I have had difficulty getting any positive response since my mortgage is current. Recently, I had to borrow from a third-party nearly {$50000.00} to bring both of my mortgages current, and without a modification I believe I will once again fall behind in payments. 
Therefore, I need a modification package emailed to me or mailed directly to my home address.
Product: Credit card or prepaid card

A hard inquiry from Chase appears in my credit history with XXXX and XXXX for the date of XX/XX/XXXX. Per conversation with the Chase department for credit card applications, there was not any record of a XX/XX/XXXX inquiry to verify my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated the below accounts were properly investigated from letters sent certified mail on XX/XX/2022 but how is that possible if the open dates are inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. This is grounds for immediate removal of all accounts. They also violated my rights under 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. 

I have not given these accounts written permission to furnish these accounts on my credit report. 

XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX  Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX  Acct # XXXX, has violated my rights XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX  Acct XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX  Acct # XXXX, has violated my rights XXXXXXXX XXXX  XXXX Acct # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

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 the records of convictions of crimes which antedates the report by more than 7 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( It's been more than 7 years.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I received emails from my experian account saying I had new inquiries so I checked it and I had 7 new and I have no idea what they are. I dont need a new truck. I called the ones that answered and they said it was done online with my social and other sensitive information.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$79000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

AR Resources posted a collections case that I do not recognize on my credit reports with. AR Resources did not contact me prior to posting this on my report. They provided no notice, no opportunity to dispute the report, etc. This just appeared on my credit. 
After seeing this unknown collections item, I have attempted to contact AR Resources via email, fax, and USPS mail. I've received confirmation receipts that my communications have been received. AR Resources has still not contacted me or responded in any way, but their unsubstantiated report is still destroying my credit, causing a credit score decrease of over XXXX  points. 
In my communications to AR Resources, I provided email, phone, and mail contact information for me, but they still have not responded to my requests for information, requests for substantiation of the debt, amount, creditor, licensing, etc. They have not responded to any questions. They have not removed this disputed collections matter from my credit reports, and that has already caused substantial harm.
Product: Payday loan, title loan, or personal loan

Back in XX/XX/XXXX, I contacted Wilshire consumer credit at the end of the business day to request, heavily request, a few more days before they send a tow truck to repo my truck, which the lady on the phone agreed to give me a day to call them back with an update as to whether or not I can come up with a payment. However, the very next morning at around XXXX XXXX they repoed my truck. I also had borrowed money With interest from someone to make the payment. But, in addition to this now useless loan, I lost my contract with my customer, as I am a XXXX XXXX. And because I didnt have my truck, I couldnt pick up materials and get the work started, this resulted in the loss of a {$6800.00} deposit, which further resulted and not being able to pay the rent, as I am the sole income provider for a family of XXXX in the XXXX XXXX XXXX Area. The total contract price I lost out on because theyve got my truck is {$18000.00}. All in all, because of the repossession, it cost me over {$20000.00} in income and fees, just so they can repossess a XXXX Work truck. I had also very recently prior to this, concluded a massive bankruptcy.
Product: Credit reporting or other personal consumer reports

Upon conducting a recent review of my credit report, I discovered several items that are unverifiable, invalidated, inaccurate, and questionable. These inaccuracies have caused me significant distress and hardship. Your agency is obligated under federal law to ensure that all reported information is accurate and complete. Per 15 U.S. Code 1681e ( b ), it is required that you, as a consumer reporting agency, " follow reasonable procedures to assure maximum possible accuracy '' of the information reported about me. However, the items listed below fail to meet these standards : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are not my accounts and have not been verified.
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/year> money was sent to the incorrect person. It was a total of XXXX hundred dollars. Coincidently the person had the same name as the person I was sending to. At the time Zelle did not advise me confirm the information, and unfortunately after going back with my bank and the app they did not provide me with any help to recover my money. I seek help to be able to recover money that was essentially stolen since the person who got the money also did not want to return it to me.
Product: Debt collection

The company IC SYSTEM has failed to comply with deletion of this account to credit bureaus. Delete now or lawsuit will be the next step.
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/XXXX, I made an " instant purchase '' of XXXX Ethereum from Coinbase.com using settled funds from my USD wallet in the amount of {$5800.00}. Under the circumstances described, the Ethereum was supposed to be delivered instantly, and I was given a guaranteed delivery of XX/XX/XXXX when my funds were nearly instantly withdrawn and the purchase " completed. '' It has been a week, and I have yet to receive the currency I purchased. I have attempted to contact them at least a dozen times through their worthless online support system, as well as their alleged XXXX @ XXXX name, but I have not gotten a single response from a real person at all. I received approximately two automated response emails with links to help articles that did not answer my questions, and was asked to " reply if I still needed help, '' which of course I did but no one ever responds. It has been a week and I feel like they 've stolen nearly {$6000.00} of my money. Not only that, if I were to have received the currency when promised, I would have been able to turn a profit of nearly {$1500.00} because of the spike in value I anticipated and attempted to buy ahead of. But since it 's taking so long for them to deliver the " pending '' Ethereum ( that still says " Delivery by Tuesday, XX/XX/XXXX ), my fear now is that by the time they deliver it ( if they ever do ) it wo n't be worth what I paid for it because of their unexcused, unethical delay of currency delivery. I am beginning to think they just stole my money and the situation will never be rectified. No one there even acknowledges that I exist, I have n't gotten a single legitimate response and my problems just goes unanswered. I just want some answers and some rectification.
Product: Mortgage

I bought a condominium with XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX my account was sold to XXXX. On XX/XX/XXXX I had a loan modification through XXXX XXXX. On XX/XX/XXXX after five years of having a loan modification my mortgage went up but unfortunately I forgot and I sent the regular amount I used to send for those five years. AtXX/XX/XXXX I had a phone call from Statebridge saying that I was late, and then they say I didnt send a payment. The lady that helped me out said that she would take the money from my escrow account and she did ( that can be seen on my mortgage statement ) the next call they say that the lady did not take the money from my escrow because that can not be done. To make the history short sinceXX/XX/XXXX I have been in contact with Statebridge trying to solve this. I will include in this complaint record of the phone calls, emails, bank statements, etc to show that Statebridge has mishandled my account big time, took my money including escrow money and they still saying that I owned the month of XXXX. There were XXXX dollars on XX/XX/XXXX. On XX/XX/XXXX that money went down to XXXX dollars that disappeared from my account as other fee payment, not to mention the escrow money XXXX dollars. They also charged two XXXX fee for over the phone payments that I never did. I always pay my account through my XXXX XXXX account. They also asked me to send XXXX dollars and my account will be current, well I dont see they posted that money anywhere on my account. <P/>I have been trying to fix this since XX/XX/XXXX and even though I have been on top of the matter they keep accruing late fees and reported 5 late payments to the bureau of credit making my credit score go down to XXXX. I have proof of everything which I keep sending to them and every time I speak with a customer representative I have to send it again because they always say they dont have anything on file and ask me to re-send it. I told them that I know I have to pay late fee for the first month I forgot to pay for the increase of my mortgage but not the rest because I did try to fix this matter on time. On my last over the phone conversation with XXXX XXXX he said that the XXXX dollars I am talking about never were mine, that I dont have that money. I kept asking where is the money and he got frustrated and said you came with that debt from the other company you have you mortgage with I told him I know what he was talking about and that is a money that I am supposed to back but I have the life of my mortgage to pay it. It doesnt have to be a specific time. I told him that I did not authorize to get my monthly payment money to be used to pay anything but my mortgage. He concluded saying " I dont know what you talking about ''. He also threatened me saying if you dont pay the month of XXXX now we will report you again on the XX/XX/XXXX to the bureau of credit and if in 45 days you still havent pay we will put your account in delinquency ''. The customers representatives I have been in contact with are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and the two supervisors XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's absolute lack of security has caused my name, address, date of birth, and social security number to be leaked to the public. Equifax 's incompetence has put my financial security in jeopardy. I am now and will continue to be under constant threat of identity theft, harassment, and financial ruin for the rest of my life. I never gave any form of consent for Equifax to store my personal information, and I especially never gave consent for them to leak this information to the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested.This is a request under FCRA 611 ( a ) ( 7 ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the items, as originally requested. The accounts I am talking about is XXXX  XXXX  XXXX XXXX  XXXX and XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

My soon to be XXXX XXXX XXXX mother has been trying to submit her application to Ocwen for seven months. She has resubmitted information five times. Each time she is scheduled for a phone interview Ocwen representatives tell her she has not complied with some part of their paperwork process. Her information has been reviewed prior to sending, and is correct, yet each time, the representatives say that they are not saying she didn n't send it, just that they did not receive it. Her initial application was XXXX of 2016. She has been told that she now has to redo the complete application because she is outside of the 90 day time frame. Ocwen is stating they reviewed the case on the XXXX day and that she is missing the same information she already provided. They are stating she must start over. She began the process due to illness and being off work. She is behind on her mortgage, but has not stopped paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not supply under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling my credit file on XX/XX/XXXX, I noticed that several issues with my credit file that are affecting my ability to qualify for housing, reasonable financing terms, credit cards, and it is painting a false picture of my character. On the personal information section of my credit profile, I noticed that my middle name is not on my credit profile. This is a problem for me because one, the other bureaus have my entire full name on my credit profile and two, someone with the same first name middle initial and last name could do things in my name. I also noticed that the employer listed on my credit file is not my current employer. And my full date of birth is not on file it just has the year. I also noticed that there is something odd with the address. XX/XX/XXXX should not be there. This is really interesting because now I am questioning the past investigation that were done. It is to my understanding that during an investigation you are supposed to verify the employer, my date of birth and address to conduct an accurate investigation. How could your investigation be accurate and done correctly if my credit file lacks the accurate employer, accurate date of birth and accurate address? That means that you did not have the necessary information to conduct an accurate investigation. 
Moreover, I would like the following late payments removed and all student loan accounts to be removed from my credit file because it is in violation of consumer law 15 USC 1681b ; 1 ) XXXX XXXX XXXX # XXXX ) XXXX  XXXX  30 days late Have a goodwill adjustment from company stating to remove all late payments XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX ) XXXX XXXX 30 days late Have a goodwill adjustment from company stating to remove all late payments XXXX ) XXXX  XXXX ( # XXXX ) XXXX XXXX 30 days late In violation of consumer law 15 USC 1681B Has no permissional purpose being on my credit file and is affecting my ability to qualify for housing, reasonable financing terms, credit cards, and it is painting a false picture of my character. 

XXXX ) XXXX XXXX  XXXX XXXX # XXXX ) XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX30 days late XX/XX/XXXX -- 60 days late In violation of 15 USC 1681b, and 15 USC 1666b ( a ). I would also like to enact law 15 USC 1637, sub section 1. I would like a material disclosure of the fianc charge for this account. 

XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX ) XXXX XXXX 60 days late In violation of 15 USC 1681b, and 15 USC 1666b ( a ). I would also like to enact law 15 USC 1637, sub section 1. I would like a material disclosure of the fianc charge for this account. 

For the XXXX XXXX XXXX # XXXX ) and XXXX XXXX XXXX XXXX # XXXX ) accounts I have letters from the companies illustrating their permission of having all late payments removed from my account as a courtesy. The late payments on XXXX  XXXX ( # XXXX ), XXXX XXXX XXXX XXXX # XXXX ), and XXXX XXXX XXXX  XXXX XXXX # XXXX ) are all in violation of consumer law 15 USC 1681b and 15 USC1666B ( a ). I would also like a fianc charge for the aforesaid accounts ; 15 USC 1637.
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I have no knowledge about them, and the company conducted them without my consent.
Product: Credit card or prepaid card

On Saturday, XX/XX/XXXX, I logged onto my online Chase bank account to check my accounts ' statuses. I then went to browse through available credit cards, and found that I qualified for the Sapphire Reserve card with my new income. I called that same day to request my card be shipped to my new address. 

On Sunday, XX/XX/XXXX, I was unable to log onto my online Chase account, which has my checking account and two credit cards ( one of which is the new Sapphire Reserve card ), due to " suspicious activity ''. I also noticed that my older credit card was declining. Today ( Monday, XX/XX/XXXX ) I tried calling the phone number that I was given when trying to log into my account, but after 2 hours on hold, the agent needed to transfer me to a different department that was, at that point, closed for the day. 

I don't really have any idea why my account is locked and my credit card is declining. Besides an increase in my income, I have not had any major life changes that would affect my financials negatively, nor have I had any recent late payments, large transactions, etc.
Product: Debt collection

Accou nt Control Technology, INC. ACT i s trying to collect a junk debt. This debt also failed validation With another collection agency called  XXXX   XXXX   XXXX , whom failed to provide validation in  XXXX . Moreover, validation was sent today in the mail and ACT failed to respond to my complaint with the Better Business Bureau Complaint ID # :  XXXX . In addition, Account Control Technology called me on  XXXX / XXXX / XXXX  from the number  XXXX  telling me to " make payments '' This also violates the FDCPA ( Fair Debt Collection Practice Act ) by failing to mention offering validation.
Product: Debt collection

part of the amount i try to pay, but haft of that debt i not. because we use calling card to make that call. and they never tell us to that we can`t use.
Product: Debt collection

I contacted Navy Federal on XX/XX/2022 to pay a previously negotiated settlement amount of {$100.00} to settle a {$530.00} charged off credit card debt. Navy Federal took my payment and provided a confirmation number then told me they would update the status of the account. Today XX/XX/2022 I was alerted that a collection was added to my credit report by a third party collection agency XXXX XXXX XXXX. When I contacted the collection agency I was informed that they owned the debt and provided a fax number to submit proof if the debt was settled with Navy Federal. When I spoke with Navy Federal I was told that although my settlement payment was taken the debt was sold to a third party and there is nothing they can do.
Product: Mortgage

Champion Mortgage keep sending Me FRUGLANT Bills, which was not Agreed upon in my Reverse Mortgage. I have written to them several times and also Report them to cfpb before, But they still continued sending me those Bills. Attach will be Copies of sum of those Bill.