23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After trying to sell my home for 5 years, I finally moved renters in XX/XX/XXXX to cover most of the first and second mortgages. In XXXX of XXXX, they moved out and I have fallen behind on 7 months of payments for the 1st mortgage and HELOC. I have a buyer for the home. Rushmore Loan Management Services has my HELOC, so in XXXX they had an appraisal done on the home and asked the realtors to reduce their commissions and send a new closing statement. We did all that. Rushmore 's  appraisal came in at {$550000.00}, My contract to sell is for {$550000.00}. NOW Rushmore says no we are not going to let you sell the home, you have to just let the first mortgage foreclose, we will NOT sign off. They have put me through months of stress and I am a senior. Do I have any recourse since they are forcing me into foreclosure?
Product: Debt collection

This company bought my debt. I never received any communication from this company. They mailed a letter to an old address. 
I want this account removed from credit report and the ability to pay the debt. I was never given this opportunity.
Product: Mortgage

I received a Prescreened offer of credit dated XX/XX/2020 from PrimeChoice Funding ( NMLS # XXXX ) stating I had been pre-approved for a new mortgage in the amount of {>= $1,000,000}. When I spoke with the representative XXXX XXXX ( ID XXXX ) on XX/XX/2020, she stated that they no longer offered a jumbo loan program. This offer was deceptive, as the firm advertised a program they do not offer, enticing me to divulge my non-public personal information ( NPI ) without offering a bona fide product or service.
Product: Prepaid card

I have XXXX AMEX gift cards I received from my employer. In the past, I have just used these to buy giftcards from other vendors of the exact same amount. However with this latest batch, it won't let me do that. 

I spoke with a really unhelpful employee from the call center who said in order for it to work, I can't buy a giftcard of the exact amount- it needs to be less. This makes no sense to me and would be fraudulent by the company if they are selling a giftcard that is actually less than the value they advertised. 

It's only XXXX giftcards worth XXXX total but I don't see how a company like AMEX can get away with something like this.
Product: Credit card

Made payment arrangements for before I was in hospital and paid after I was out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Had stage XXXX of XXXX XXXX XXXX that spread to my XXXX XXXX XXXX XXXX XXXX and survived ( I also notified American Express of this as well and told them contact would be difficult due to the nature of catastrophic medical to whom the XXXX XXXX XXXX XXXX sees me ). Was told card would continue and work if I pay what is requested so I did and my payment history shows. Amex is attempting to zero out my rewards and has cancelled my card erroneously. Paid off pay-over-time promotional items as well and still sending me bills for payment for tomorrow even though my card is supposedly canceled and paid off. I'm now being sent to collections for {$0.00} balance. There is no reason to cancel my card except to limit credit and take my points as I had agreed to done everything requested on my side.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! I am writing because I am a victim of Identity theft. I did not make these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Product: Prepaid card

I bought a {$500.00} prepaid XXXX on XX/XX/year>, which when I tried to use got declined. When I called the customer care number for the card I was told that the card was invalid and that they could not help me. I asked to speak to the supervisor and he also told me that they were unable to help as the card is invalid and not in their database. All the information of the purchase and points to the card not being tampered with and the unit was also sealed. Please help in resolving this case.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXXXXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can & # XXXX ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

I asked the debt collector Midland Credit ManagementXXXX XXXX to stop contacting me by phone, in 2022, due to their pressures and ask them to only contact me by mail. 
I just found out that in retaliation of me asking that they not call me by phone, that they willfully and without my knowledge changed my mailing address to an old address that I had in a state where I lived 25 years ago. 
They willfully sent my information to someone other than my self which is a violation of my privacy and they willfully kept me from getting updated information regarding their collection actions. 

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

I sent a complaint with TRANSUNION regarding account discrepancies on my account that were not valid. I sent the complaint 30 days ago, on XX/XX/2022 and transunion failed to reply within the 30 days. According to the FCRA, that grounds for removal of those items on my credit. 

The accounts are XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

I RECEIVE A LETTER SAYING THAT MY PERSONAL INFO WAS IN A DATA BREACH AND IT WAS SOLD ON THE BLACK WEB AN I LOOK ON MY CREDIT REPORT AN SEEN SOME INACCURATE COLLECTION AND INQUIRIES AND ADDRESS
Product: Credit reporting, credit repair services, or other personal consumer reports

The American Express account # XXXX is reporting incorrectly to XXXX. XXXX claims to have verified the information in XXXX of XXXX. The account in question first reported delinquent in XXXX. The other XXXX bureaus ( XXXX and XXXX ) have since removed this account from my credit report due to the account being reported negatively for XXXX years. Each company removed the item in XXXX of XXXX or prior. I am requesting that XXXX remove this item immediately from their consumer report containing my information. XXXX is in violation of the FCRA laws. According to 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports, ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years. 

I am requesting that they remove the negative account immediately from my consumer report furnished by them to match the other consumer reporting agencies which show the correct information. I don't understand how XXXX can have access to the SAME information furnished by the original creditor but provide a different outcome that is completely against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$710.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$520.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX {$500.00} ; XXXX. XXXX, XXXX ( Original creditor XXXX  ) XXXX Date opened : XX/XX/XXXX Balance : {$340.00} ; XXXX XXXX XXXX ( Originalcreditor XXXX XXXX XXXX XXXX. ) XXXX Date opened : XX/XX/XXXX, XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX ) Dateopened : XX/XX/XXXX Balance : {$370.00} ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXXInquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXXInquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXInquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXInquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX Dispute Department XXXX XXXX XXXX XXXX, XXXX, PA XXXX To whom it may concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also enclosed copies of the Federal Trade commission identity Theft Affidavit. Please Delete the items as soon as possible.

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency 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 4 business days after the date of Receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items as soon as possible. 



Fraudulent Accounts XXXX  XX/XX/XXXX Amount : XXXX Account XXXX : XXXX
Product: Credit reporting

Experian online dispute is a hoax and a deceptive and fraudulent practice in violation of the FDCPA and FCRA. They falsely state you can upload supporting documentation of a dispute up to XXXX mb black and white file. I have attempted to upload file size black and white XXXX of times no more than XXXX mb and it will not accept the files, I am computer capable, it is not my computer or my skills. The next step that Experian then fraudulently requires the consumer to do is to mail in the docs along with : social security card, driver 's license, utility bill, and it states that these items will be shared with creditors. The law is NOT that these items are necessary to file a dispute. They fraudulently do not accept online uploads so that they can collect this illegal data from consumers and then share this data with creditors. Please note : where is this world is it acceptable or SAFE to MAIL a copy of a driver 's license, social security card, and utility bill??????????????
Product: Mortgage

XXXX XXXX is a liar and should be placed on administrative leave pending an investigation. She fails to follow through and continues to deceive myself and the State of California. California sent the funds to reinstate the loan on XXXX XXXX2022. XXXX sorry but, you have several complaints about you and you can not legally investigate yourself. California has asked me to find out the reason why you havent applied the funds within a timely manner. The Attorney General is aware of the issues and legal issues XXXX has now created for LoanCare. California is now asking me to go after your NLMS license and continue until you apply the funds to my loan. I need your superior to follow up. Your lies and deception are not appropriate and should be dealt with immediately. XXXX shouldnt be an employee of LoanCare at this point in time. She fails to notify the company of the issues she is creating for the company and the investor. Her demands are irrational and illegal. He actions have caused me and my family to discuss legal action against LoanCare. The Veterans Affairs is aware that as a servicer of VA loans LoanCare is acting illegally and should be held accountable. This includes losing the option to invest in California home loans and loss of guarantee of all VA loans. Apply the funds and reinstate the loan immediately.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FCRA THIS CREDITOR CHILD SUPPORT XXXX XXXX XXXX HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED 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 XXXXXX/XX/XXXX
Product: Mortgage

I refinanced my home with another lender in XXXX XXXX. It is now XXXX XXXX and I have yet to receive my {$3000.00} escrow refund. 
Account XXXX was paid in full on XXXX/XXXX/XXXX. LoanCare , LLC released my property tax escrow in the amount of {$3000.00} to my tax office on XXXX/XXXX/XXXX. The tax bill was already paid by the new lender upon receipt of the LoanCare payment on XXXX/XXXX/XXXX. XXXX XXXX XXXX office returned the payment to XXXX XXXX on XXXX/XXXX/XXXX. I have made several phone calls, emails to the company to inquire about the delayed processing. I 've gotten the run around since XXXX, being promised escalations and rush on the return to no avail. I have spoken to supervisor XXXX XXXX on 2 occasions, only promised that the check should be mailed soon. My online account shows the contractor returned the check to LoanCare LLC on XXXX/XXXX/XXXX and there has been no further processing as I spoke to a customer service rep, XXXX # XXXX today. She assured me that no one was trying to " keep my money '' only to return to the line with her humblest apologies as the delay is duely noted in my file. I would assume the company is well beyond their legal limit to refund my escrow overpayment. 

I am a single mother and my children are still awaiting their delayed XXXX gifts that were promised to them as I was unable to afford anything due to being over {$3000.00} in arrears due to this fiasco. And now they have birthdays coming up, and I will have nothing for them, yet again. I am unable to make this month 's mortgage payment for my home as I have maxed out all of my lines of credit trying to compensate for the missing funds over the last 3 months. LoanCare does not seem to have a good system in place with their tax contractor XXXX, as they held my funds for over 6 weeks and not a single soul at LoanCare could provide me with an update despite their self admittance of several attempts to follow up with XXXX about the returned check. Furthermore, it is not the problem of the customer that your contractor is ill equipped to handle refunds in an appropriate time frame. I am so glad this company is no longer servicing my loan and I would not recommend anyone to finance with them.
Product: Debt collection

XXXX XXXX from the Compas Group has made repeated calls to my phone and to several of my family members in an effort to collect a debt they fraudulently charged to my name. The number she left most recently was XXXX. They have been reported in the past for harassment and were instructed to stop calling my family members in an effort to collect money.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request an investigation into the inaccurate information present on my credit report. On XX/XX/XXXX, I initially contacted TransUnion regarding these discrepancies, yet as of the present date, I have not received any response. I am seeking your prompt attention to this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
The following are details of the inaccuracies and the corrections I am requesting : XXXX  Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1900.00} ) : This account is not mine, and I request its immediate removal from my credit report. 


XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00}, Original Creditor XXXX XXXX ) : This account is not mine, and I request its immediate removal from my credit report. 


XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$250.00} ) : The reported balance is incorrect, and I dispute the Past Due information for a closed, charged-off account. Please revise and mark this account as disputed. 


Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$280.00} ) : This account is not mine, and I request its immediate removal from my credit report. 


XXXX XXXX Account ( Date Opened XX/XX/XXXX, Balance : {$1000.00} ) : The reported balance is inaccurate, and I dispute the presentation of Past Due information for a closed, charged-off account. Please mark this account as disputed, and verify Date Opened, Date of Status, and First Reported. 


XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1400.00} ) : This account is not mine, and I request its immediate removal from my credit report. 


XXXX XXXX XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$21000.00} ) : This account was never late, and I request correction of this inaccurate information on my credit report. 


XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$320.00} ) : This account was never late, and I request correction of this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXXXXXX XXXX Balance : {$12000.00} XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX  XXXX Balance : {$1000.00}
Product: Debt collection

My vehicle was repossessed by Consumer Portfolio Services on XX/XX/2019, however they did a hard inquiry on my credit without my permission and for no apparent reason to lower my credit score even more. Consumer Portfolio Services has no reason to run a hard inquiry on my credit without my consent.
Product: Bank account or service

I contact Navy Federal Credit Union on Saturday, XXXX XXXX, 2015 regarding Fund Payment withdrawal from my account from XXXX XXXX XXXX for {$86.00}. They closed the account and issued me a new bank card and when I try activate the card it wo n't it system directed me back to Customer Service Representative were XXXX XXXX indicated there 's a automatic hold on activation of the card because my account is over draw. When do that stop the Credit Union from Activating your bank card when if it overdraw I ca n't use any so why they feel need to prevent me from using the card this way is this policy and Federal Regulations
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a chapter XXXX amortization of debt in XX/XX/XXXX. I have been paying on this ever since and it is scheduled to be completed on XX/XX/XXXX. XXXX XXXX XXXX has been reporting this as a bad debt charged off in bankruptcy. This is inaccurate information. The original balance on this account was XXXX and we have it payed down to almost XXXX. This agency has multiple reports ( about 5 ) on my credit saying it was charged off in bankruptcy. I have tried to dispute it on my credit 3 times as well as called the company with no success. We have also been denied credit because of a " past bankruptcy '' due to this entry on our report. The last person who I spoke with ( XXXX XXXX ) stated that he could see where we are paying on this account. When I questioned why would it be reported as a bad debt written off in bankruptcy if it is clearly being paid. He quickly said he would have to talk to the attorney who did my amortization and he could no longer discuss this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I sent letters to XXXX, XXXX, XXXX and Lexis Nexis asking for proper verification of a two bankruptcies that on my credit reports. None these companies were unable to provide direct verification from the bankruptcy court of XXXX Ohio. I have a letter from the bankruptcy court stating they don't provide information directly to credit reporting agencies. In fact XXXX  states on it dispute reports that they use LexisNexis which is a third party to verify this information. Outside of getting dispute results reports back none of these companies have sent me how exactly they are verifying this information that is on my credit report. I have asked several times and they are unable or unwilling to provide additional information.