23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had an attorney helping me with an assumption and trying to get a modification to bring my loan current.They denied my request telling my attorney that it is unaffordable.I have recently tried again with them and they are still refusing to help. They are stating this time that it is because of the sale date scheduled on XX/XX/XXXX. The information was submitted to them on XX/XX/XXXX and was confirmed that the information that was sent to the complete. According to the CFPB rules as long as it is XXXX days prior to the foreclosure sale with a complete package they should review the file.SO WHAT IS THE REAL REASON??? I make XXXX monthly the mortgage payment is XXXX monthly. This is affordable for me.Maybe the real reason is that there is equity in the property since my uncle purchased it in XXXX for XXXX today it is worth XXXX plus. Its all about money and that is obvious!!!! I went through alot to keep this property!!
Product: Credit card or prepaid card

Why are these XX/XX/XXXX transaction being charge on my account? I have already called you guys regarding this. and now i'm getting a charge back? what the deal? XXXX XXXX XXXX XXXX and XXXX. This is wrong and nobody deserve to be treated like this
Product: Credit reporting or other personal consumer reports

I am in the process of purchasing a home and after viewing my report I see that there are damages on my report. I have tried to resolve this, but nothing is changing. There are late payment being reported and in accordance with the Fair Credit Reporting Act the XXXX, XXXX, and Equifax has violated my rights under 15 USC 1681 section 6 of 2 states I have the right to privacy ( 15 USC 1681 ( section 6 of 4 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under under15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX ( XXXX XXXX XXXX ) Account has been closed since XX/XX/2022, and is still reporting on all the credit profile. They're also reporting 19 missed payments which is totally inaccurate. This company continues to patronize me with sending " validation letters '' that do not account for 19 missed payments. DO NOT CHOOSE XXXXXXXX XXXX XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

On XXXX I sent the first letter to XXXX, XXXX and Equifax requesting inquiring why they are continually violating my FCRA and FDCPA rights by reporting inaccurate information on an account that is showing on my credit report as sold or transferred. On XXXX I sent a follow up letter requesting all documentation regarding this account : how this account was applied to my credit report, all documentation used to verify this account belongs to me, all documentation bearing my signature in regards to this account. As of today XXXX I have not received any response, no documentation. This is a clear violation of my FCRA rights to have accurate information reported 100 percent of the time.
Product: Debt collection

IQ data added an additional XXXX dollars to my eviction. And there was another charge that wasn't in the contract. The contract I signed said legaly they were only allowed to charged me double with rent was XXXX. The total charge should be XXXX. Plus court fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint on my own behalf, without any influences. Please see the attached documents and Identification as it contains my full request to a fair resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not benefit nor authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, Pursuant to 15 USC 1681b ( a ) ( 2 ), I did not give Equifax permission to furnish this information onto my consumer report. This is a violation of the Fair Credit Reporting Act Section 15 USC 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with XXXX XXXX (account XXXX) that was foreclosed.  The mortgage had been passed to several other sources including XXXX XXXX XXXX (account XXXX).  The first delinquency prior to charge off was prior to XX/2011. But it has been passed around so many times that each company updates the date of last activity to when they got it.  These accounts are OUTSIDE FEDERAL OBSOLESCENCE. and need to be removed.  I have disputed them with the three credit bureaus and they have remained.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Date Opened : XX/XX/2022 Balance : {$15000.00}.
Product: Consumer Loan

Bank Fraud, Wire Fraud and Elder Fraud to start. This is a amendment to complaint XXXX. This is not a duplicate. I am part of the the trust which co-trustees are my Mother XXXX XXXX and XXXX now chase bank. It is on page XXXX of the Agreement of Trust. It states that I am 10 %. This was all previously submitted.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found an account on my credit report that was not open by me. This has been hurting me since I am in the process of purchasing a home for my family. Please remove the fraudulent accounts as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Our mortgage loan was transferred from XXXX XXXX XXXX to Gregory Funding in XXXX of XXXX. We had a forbearance in place with XXXX due to loss of income from a XXXX diagnosis. Gregory Funding has been awful. They are not recognizing the forbearance that was in place. They continue to charge us late fees every month. We have tried to refinance to stop using them and also to lower our interest rate which is 8.5 %. Through a Broker we are trying to refinancing with and XXXX they have both told me to contact you since something is not right with this Gregory Funding. The broker we are trying to use has had to try and get information from Gregory Funding because they show no payment history on our credit report and state to the new broker we are trying to use that we have been late for 13 months-on all payments, when we have not. Gregory Funding is just are not recognizing the forbearance. We are afraid of losing our house. I have caught us up on payments except for the 3 months of forbearance. The new servicer, Gregory Funding will not recognize the forbearance, so that we can move forward with re-financing our home. We can not afford our monthly payments so high and we are fearful of our home going into foreclosure. We have a lot of equity and our credit is fair, so we should be able to refinance if Gregory Funding would get their paperwork straight and acknowledge the forbearance. Gregory Funding has continued to tell us to reapply for a modification, but every time we do, they say the application is not complete and the process starts over every 30 days when all the paperwork is not " submitted within 30 days. '' The customer service department has even said on the phone the application is correct, their department which handles the paperwork says it is not. We are so frustrated. It is just not right and have no recourse. 

When we were with XXXX they gave me a " verbal '' loan modification where the forbearance would be put on the end of loan and interest would be reduced, etc. Sadly, I did not get this in writing since the loan was transferred during this same time. 

We need help and I have no where to turn. Hoping you can help us somehow?
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a late payment dispute online on XX/XX/ with XXXX  on VYSTAR CREDIT UNION credit card. I found late payment on my credit report, but according to law. I am a consumer and therefore they can not be putting negative statement on my consumer report. 15 U.S. Code 1681a ( 2 ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This is against the law for XXXX XXXX XXXX to be reporting late payment on my consumer report. I ask them to please remove the late payment information from my consumer report. This is hurting my report. This is causing me to deny of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second or third time I have filed a complaint over an account from a 3rd Party collection agency that I have never done business with. I demand a re-investigation of the following account : NATIONAL CREDIT SYSTEMS XXXX XXXX I have no record of this account and I never received any documentation of notice before this account was added to my credit file.
Product: Money transfer, virtual currency, or money service

I sent a Zelle payment to someone that ended up being a scam and when I tried to cancel it through Zelle customer service they said they couldnt do nothing about it.
Product: Debt collection

www.ccsnotice.com On XX/XX/20 -1st lady with Credit Collection Services said debt was with XXXX and it was XXXX. Then said can access bill on website and theres no option for it on website. I spoke with Manager - XXXX XXXX. The Manager lied and said I had to sign up for email to get the bill then said it takes two weeks to get bill. Told him to save the recorded calls as I was going to file a complaint against them.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, The accounts in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The account status is reporting that these accounts have been over 30 days late. I ask that the furnisher provide proof that these accounts were actually late. Please update these accounts as paid as agreed never late or delete these accounts. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

i became XXXX and my account lapsed due to fees and now i am in XXXX
Product: Student loan

I am on a student loan deferral from the XXXX granted by my XXXX contract. I have submitted the annual forbearance form every year since eligibility began in XX/XX/2013. My paperwork was late in XXXX - XXXX due to administrative failures at my unit of assignment during XXXX I confirmed with the servicer, FedLoan Servicing, that my deferral was backdated and my account credited, however, my XXXX trade lines had already been reported by the time the error was corrected since I was already 90 days past due. I have filed XXXX disputes since I originally discovered the issue, with the most recent dispute results arriving this morning. Today I spoke with Employee ID XXXX at FedLoan Servicing -- she was very helpful. FedLoan Servicing is refusing to fix the XXXX past due report, although they have backdated the deferral and any monetary penalties. The last time I spoke with a representative at FedLoan Servicing, I was told that I do not have to worry about my unit processing my paperwork after the deadline because the deferral would be backdated appropriately. This is not what happened, and as I am applying for mortgages to purchase my XXXX house, I have XXXX trade lines with XXXX past due records as XXXX of XXXX negative trade lines -- the other is a tax lien from the City of XXXX, NY for parking tickets I 'd failed to pay several years ago. FedLoan Servicing 's inability to enact sensible procedures is unjustly affecting my ability to lend at a rate commensurate with my riskiness as a consumer. 

The XXXX negative trade lines also affect my ability to acquire credit where automated credit decision engines are used to summarily decline applicants with a certain number of XXXX delinquencies -- a common practice in consumer lending, as these individuals tend to be exceedingly risky in today 's credit climate.
Product: Debt collection

I submitted a complaint about this collection company on XX/XX/XXXX. The company responded through the CFPB relating to complaint XXXX. Since that time, they responded to the complaint and said they would tell the credit reporting agencies that the outstanding " debt '' was under dispute, but on XX/XX/XXXX, I received via mail notice of of a lawsuit filed in my County by Portfolio Recovery Associates. I received correspondence from what what appeared to be two Law Firms that offered to represent me in the lawsuit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/XXXX Equifax Consumer Services XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Incorrect Information Due to Equifax Data Breach Dear Equifax , I am writing to formally dispute certain information on my credit report that I believe may be a result of the XXXX Equifax data breach. 

I have reviewed my credit report, and I am concerned that certain inaccuracies or fraudulent entries may have been made due to the exposure of my personal information in the breach. Specifically, I have identified the following : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that you investigate these items and correct any inaccuracies that may have been caused by this breach. In accordance with the Fair Credit Reporting Act ( FCRA ), I understand that you are required to investigate and respond to my dispute within 30 days. 

I also request a copy of my updated credit report once the dispute has been resolved. 

Please find enclosed copies of my supporting documentation ( e.g., government-issued ID, proof of address, previous credit reports, etc. ) to help with the investigation. If you require any additional information, please let me know. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX Credit Bureau XXXX Credit Bureau Creditor : I C SYSTEM/ Original creditor XXXX XXXX XXXX XXXX  Amount : {$780.00} This unknown debt was applied to my XXXX and XXXX  Credit Profile without my knowledge. I don't know this creditor and Both Credit Bureaus. I have never done business with this company. I Have requested to remove this account from my consumer report yet it has not been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute information in my credit report that is inaccurate and has been reported in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). I have discovered errors in my credit report that have negatively impacted my credit score, and I am requesting that these errors be corrected immediately. 

I have identified the following accounts that are reported inaccurately : XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX charge off account XXXX XXXX XXXX XXXX charge off account XXXX XXXX charge off account XXXX XXXX collection account XXXX collection account XXXX XXXX collection account XXXX XXXX XXXX charge off account XXXX XXXX charge off account XXXX XXXX XXXX  XXXX XXXX XXXX charge off account XXXX XXXX XXXX  XXXX XXXX XXXX charge off account XXXX  XXXX charge off account XXXX XXXX XXXX charge off account XXXX XXXX XXXX XXXX TX XXXX collection account XXXX XXXX XXXX collection account XXXX XXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX collection account XXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX collection account XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX collection account XXXX XXXX XXXX collection account XXXX XXXX charge off account XXXX XXXX XXXX Charged off account XXXX XXXX XXXX charge off account
Product: Checking or savings account

My identity was stolen back in XX/XX/2013 and someone used my information and made fraud transactions of {$70.00} which I have no knowledge about. 
And I have problems now in the XXXX XXXX B of A Checking Acct no XXXXXXXX Routing No XXXX I am attaching the police report as a result of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried contacting XXXX on XXXX XXXX, XXXX via correspondence USPS tracking number XXXX. The late payment dates for XXXX XXXX to XXXX XXXX ; XXXX XXXX to XXXX XXXX is incorrect, I was currently attending school full-time at XXXX University. Qualified for In school deferment. Loans was not placed in deferment status.
Product: Checking or savings account

On XX/XX/23 I purchased XXXX but when I did the transaction the Company XXXX said my account debit card could not be used so I thought nothing else about it but the company took out the money anyway thru my US Bank account. I was in contact with bank and a banker noted my account of what happened thus leaving my account in the negative. After that I was told to report this to Fraud Dept where I left numerous messages but the person did not return my message. I called back got same message and held for another fraud person. I explained the situation and this person didnt want to hear anything I had to say he told me my account was closed and I tried to ask why and I was rudely responded by is there anything else after 3 times. This was not fraud I was doing nothing wrong. I have his name and should be in notes. I will furnish more information when requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Upon reviewing my report, the incorrect information was still found in my Equifax reports which I believe have been taken care of due to the written appeals I sent. I've contacted the account listed & they told me I've never missed a payment, yet Equifax refuses to fix the account from being listed late. I am not satisfied that Equifax has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting its examination. I sense that the remaining account needs proper action to assure maximum possible accuracy on my credit file. The account that should be corrected is : XXXX  XXXX