23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I defaulted on my mortgage XX/XX/XXXX with Central Mortgage. The property has been occupied by a known person that has not paid rent or local taxes or utilities, which now have tax and sewer liens The property is valued at XXXX XXXX. Central Mortgage has not filed for foreclosure after 6 years, going on 7 years. I have called the attorney XXXX XXXX repeatedly to ask them why, and they said they have not had direction from the lender. I filed BK in XX/XX/XXXX and as a result, I am no longer financially responsible for the property, however due to mortgage banking underwriting requirements, without a sheriffs deed, I can not purchase another property. I had a catastrophic event in my life in XX/XX/XXXX that caused the default. I have rebuilt my life, re-established my credit, have strong income and would like to buy a home. However, XXXX XXXX has been negligent in not foreclosing on this property and allowed a family to essentially " squat '' in the property for the last 5 years. I am aware of them living there as they used to be family friends. After the property was vacant and no one from the lender took an interest, they moved in and have lived there since XX/XX/XXXX. The mortgage is approx. XXXX XXXX and the property taxes are $ XXXX. As a result of Central Mortgage negligence, the property has multiple tax and county tax liens, remains on my credit, prevents me from moving forward in my life and from obtaining home ownership again. 
My calls to the legal firm have been ignored, calls to the lender are not accepted. Please help me contact Central Mortgage. If I had the financial resources, I am sure a class action lawsuit against this lender would find hundreds of borrowers such as myself stuck in this state of not be able to move on. After 6 years, why cant this lender foreclose and take possession of the property. They are violating the rights afforded to me under the BK laws, which they seems to care nothing about. 
Thank you for your time and service. The CFPB is the reason consumers have a voice today. 
My name is : XXXX ( XXXX ) XXXXProperty address:XXXX XXXX XXXX XXXX XXXXCurrent address:XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

unethical behaviour on the part of Equifax I have called everyday since XX/XX/XXXX and they told me that my addresses do n't match up and that is why I ca n't get online to do my disputes. I have faxed 2 seperate copies of my information that you all requested and mailed it and nothing. Everyday is just wait 24 hours, just wait 48 hours. Then today ( XX/XX/XXXX ) it  is the system is n't working and the system still have my old address please send me that information. I just want my address in the system changed to XXXX XXXX XXXX XXXX, XXXX, VA XXXX as my current address so that I can get into the dispute system. No I do n't not want you all to do it for me because this is my file and I believe that you are making it so I ca n't get in. That is illegal for you all to hide my credit file from me because it is mine. My phone number is XXXX
Product: Payday loan

I took out a payday loan with a company called CashNetUSA in XXXX. There address is XXXX XXXX XXXX XXXX XXXX XXXX, Ill XXXX. There telephone number is XXXX. This is an online lender. 
During the time I took the loan, I had changed employment which has now affected my income and paydates. I am paid XXXX monthly. When I realized that I would not be able to pay the high interest to extend the loan for another XXXX weeks I emailed the company explaining my situation to and asked them to change the due date that I would be able to meet. The notification went nowhere with them and they have debited my checking account twice adding insufficient fees to my account. 
They have called me and they just do n't listen. I have every in tention of paying them back but will never do business with this firm again.In my opinion these payday loans should be illegal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/year>. 
I DO NOT RECOGNIZE THIS INFORMATION ON MY CREDIT REPORT IT WAS NOT AUTHORIZED.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I initiated a standard transfer to my bank account ending in XXXX for the amount of XXXX I received a confirmation that it would have an estimated completion date of XX/XX/XXXX with a transaction ID of XXXX, when the transfer did not appear I waited patiently to see what the problem may be. Now this account was verified through the Venmo app using a platform called XXXX to confirm that this account was legitimately mine. I put a ticket in on XX/XX/XXXX asking why the transfer was taking so long and got a response back stating that the request was successfully submitted to the Venmo Support team and the conversation had been closed in which I had received no correspondence. Now here we are on XX/XX/XXXX which is 3 business days past the initiation date and still no money and no transfer. I have spoke to a XXXX who would not give me an ACH transfer as my bank requested that to see where the money may be at. XXXX was another rep that I talked to that contradicted everything that XXXX told me stating my transfer was still under review and would not specify the details claiming that I will have to call back again tomorrow XX/XX/XXXX, to ask questions again on why the Account Specialist may still be reviewing my case. All this comes I after a gentleman named XXXX XXXX called me on Friday XX/XX/XXXX that my account should not have nay more security issues when it comes to transferring money out as this is the second time I have had issues dating back to XX/XX/XXXX. 
What have I done on my end to eliminate these issues is I have made it so that you need a fingerprint to log in to the app, have a 4 digit pin to log into the app, and I also have a pretty good password. I have received bank overdraft fees in the amount of {$52.00}. for the money not being transferred from when it would be transferred from the last account and did not mention that too XXXX but can provide a screen shot of those fees if necessary.
Product: Debt collection

I keep getting collections notices about an account with XXXX XXXX  from multiple different collection agencies. XXXX of these agencies reported the account to the credit bureau about XXXX  months ago. I was able to dispute the account and it was removed. Now it has been sold to another agency and they have reported it to my credit report. I have confirmed that I do not have any knowledge of this account and I am being told that the account is over XXXX years old which should not be reported anyway if it is that old. I even have letters from the original collection agency saying that this debt is toll old to report. Collection agencies should not be allowed to just keep transferring an invalid debt to a new agency and continuously reporting this to my credit and damaging my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached my ID SS and proof of address mail for my identity. I NEED TO PLACE A HOLD OR FREEZE ON MY CREDIT FILE AND I NEED A COPY OF MY FULL REPORT. I found tons of information that is not right on my file. The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX My name is XXXX XXXX. XXXX please remove any other name. 
My address XXXX XXXX XXXX XXXX, OH XXXX I choose to opt-out of your disclosing future information until further notice including the Ful Report and other furnished Lexis Nexis inquires regarding all personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Ive had multiple breaches of information and Im very concerned that much information is false and my identity and personal information is being used by someone else
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

On or about XXXX XXXX, a representative called me about a charge of XXXX on my account. Captiial One suspected fraud ; this was true. Capital One told me that they would remove the amount from my credit card.Capital One did remove the charge. I wrote them XXXX letters, and they said they would remove the charge. Despite the fact that they said they would remove the charge they are still billing for {$26.00}. I wrote them another letter. They replied to me that they did not understand the nature of the dispute. I can not get through to these people. I have cancelled the card, and I need them to stop billing me.
Product: Credit reporting

I have not received a final response, however I challenged with all XXXX bureaus a falsely identified item ( listed as a judgment entry which was later appealed and removed ) XXXX of the XXXX bureaus successfully removed the judgment from my credit file. However, I have had to file another investigation with transunion in which I argued that they did not investigate anything because if they did they would have removed the error like the other XXXX agencies did. I shortly thereafter received a letter that they would not be investigating any complaints on my account because they believed they were n't coming from me. I called and verified that they were coming from me and they need to work on the issues I am presenting while trying to clean up my credit report. 

To this date, the item has not been removed, it was originally to have been investigated more than 60 days ago.
Product: Debt collection

Was XXXX contacted by a strange number XXXX XXXX XXXX, when answering the call the caller refused to say anything. When I called them back I was asked about personal information such as name, previous addresses and social security number. They ( Contract Callers ) claim it was a debt from a credit card first saying in XXXX and then changing it to XXXX. I told them I did n't know anything about this credit card company in question, and that they were in fact violating my rights by not contacting me via XXXX mail with information containing the alleged debt. I was talk to very rudely and told them I would have my attorney view the allegations as it seem to be fraudulent or perhaps even a scam. It was suggested by the representative that I may have been a victim of Identity theft however, I use credit protection and alert systems that notify me of such matters so I think its completely a lie.
Product: Checking or savings account

I had a 401k retirement account through my employer managed by Wells Fargo in XX/XX/XXXX the company filed for bankruptcy and I was laid off. I submitted a direct rollover of the full amount to a new XXXX IRA with a different financial institution which was completed on XX/XX/XXXX and showed my account as having a balance of {$0.00}. On XX/XX/XXXX I received a check for {$1.00} the statement saying this was a direct rollover - termination benefits and a balance of {$0.00} I mail this to my new financial institution to be deposited into my new IRA. On XX/XX/XXXX I received a check for {$2.00} saying direct rollover - termination benefits because the amount increased and because I am receiving another check I call Wells Fargo retirement services and speak to someone who informs me this is a residual balance and my account balance is now {$0.00} and I will not receive any more checks, she can not explain why this is the second check I have received or why the amount has increased. I once again mail the check to my new financial institution to be deposited into my new IRA. On XX/XX/XXXX I receive a check for {$0.00} I call again and inform them I want my account closed and am told the same thing this is a residual balance because I picked aggressive options for the market, but that my account is showing a {$0.00} balance and I should not receive any more checks. I do not mail the check because the stamp and envelope cost me more than {$0.00} to mail it. Now with a check data XX/XX/XXXX I have received {$10.00} this has been over one year now that my account was supposed to be closed. I called again and am told again this is a residual balance they just keep repeating that this is a residual balance. I say that I want my account closed they say that this is because of the market and it is out of their hands. They did say they would submit a request for an investigation and that a person would look at my account and let me know if I will be getting any more checks. This is not a solution I just want my account closed.
Product: Student loan

I 'm attempting to have my student loans deferred for 1 year due to a job loss, continued custody court issues with my 4 year old son, and helping my elderly widowed mother whom has XXXX, pay for medicine. In XXXX I received an email from the XXXX. I responded to the email and wrote the omnibus for help to consolidate my student loans but never heard back. I left a voicemail for a XXXX at a XXXX XXXX location but never heard back. I 've asked my congressman, XXXX and XXXX of XXXX to help with a congressional inquiry. I 'm asking the CFPB to please help. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 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: Debt collection

On XX/XX/XXXX and XX/XX/XXXX I received correspondence in the mail from GENERAL REVENUE CORPORATION that violates several of my federal rights. On XX/XX/XXXX I sent a notarized affidavit with exhibits to highlight the serious violation of federal law that this company committed. I intend to pursue this matter to the fullest extent of the law being that this company violated my rights and federal law in the process. Fact, affiant is aware and has proof in the attachments labeled as Exhibit A and Exhibit B that GENERAL REVENUE CORPORATION is in violation of 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ) and 15 USC 1692d ( 1 )
Product: Credit reporting or other personal consumer reports

While reviewing my Identity IQ credit report, I noticed errors related to the address section. Specifically, there is an address listed that I have never resided at. I kindly request that you promptly investigate this matter and update or remove any incorrect address from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  : {$5900.00}, XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX  XXXX {$1600.00}, XXXX  XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

We, XXXX XXXX and XXXX XXXX ( husband and wife ), the borrowers and now the owners of the property purchased on XX/XX/2021, received the mortgage loan from Citibank in connection with the home-purchasing transaction. Prior to the settlement, a closing disclosure was issued to us from City Bank indicating that the mortgage tax in the amount of {$10000.00} would be due and payable at the time of the closing. However, on the day of the settlement, the mortgage tax that had to be paid was actually XXXX and the we were compelled to pay the difference at the time of closing. 
Our real estate lawyer representing us at the closure, has later followed up multiple times to try and resolve the situation. I have personally contacted Citi and was not assisted.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the grace period : My records indicate that the payment for the due date in XX/XX/XXXX and XX/XX/XXXX was submitted on time, which falls within the creditor 's 15-day grace period. This makes the " 30 days late '' reporting inaccurate.

No notification of delinquency : I never received any notice or communication from XXXX XXXX regarding a delinquency, which is required by law before reporting a late payment. 
Evidence Provided : I have attached bank statements showing the payment was processed and confirmation emails from XXXX XXXX verifying the receipt of the payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To Whom It May Concern, On XX/XX/21, I received a letter ( attached ) from XXXX, XXXX XXXX XXXX. which stated that they had retained the debt from Westlake Financial in the amount of {$1400.00}. The letter was a receipt sent stating that they accepted a settlement amount of {$1000.00} to satisfy the obligation of the full debt.

I have also attached a copy of my most recent credit report for Westlake Financial which states that the balance is {$1400.00} and continues to be in a derogatory status.

It is my understanding that when Westlake Financial transferred my debt to XXXX XXXX, that they were required under the law to update their tradeline as {$0.00}. It has more than 6 months since this debt was settled, but the information has not been updated. This is causing my credit scores harm, as well as my Debt to Income as I am trying to purchase a home. ( My lender has advised me that a percentage of the chargeoff balance is added to my XXXX, which lowers my buying power. )
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$420.00} XXXX  XXXX XXXX Balance : {$1000.00}
Product: Checking or savings account

On the XXXX of XXXX my paycheck was supposed to be deposited. When I got onto the app they said it was technical difficulties and would be fixed the next day.. its been 3 days and Im still waiting!! I have bills to pay so not having my check has caused me to miss appointments resulting in XXXX dollar loss. XXXX dollar late fee on my phone bill and XXXX dollar late fee on credit card bills. I cant eat, put gas in my car to get to work, or buy things for my household.
Product: Checking or savings account

I opened an account with chime and I had my social security check deposited into my account and as soon as I started spending my money my account was put on hold for multiple occasions claiming I needed to verify so I verified who I was over 15 times, four times with face recognition Ive sent over all my paperwork and every time I give them what theyre asking for they start finding other reason for why my account is locked I have over XXXX inside my account they have denied another {$4500.00} from social security so its put my account on hold and stop me from Receiving my benefits. My main issue is that they dont have a reason for why theyre holding my money and I dont understand how someone could just take someone elses social security benefits XXXX