23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of XXXX, I took out a mortgage in the amount of {$360000.00} at 4 % with my father in law. My father in law unexpectedly passed away in XXXX of XXXX. I only make around {$49000.00} annually and have struggled to pay the {$2100.00} per month mortgage because my take home pay varies but is always no more than {$3100.00} per month. After I pay the mortgage I am left with less than {$1000.00} per month for all of my other living expenses. 

I submitted a request for a loan modification to Wells Fargo. I am hoping for a lower interest rate so that my payments are more affordable. Wells Fargo 's answer is to extend my mortgage to add an additional 40 years onto the loan!!! So rather than helping me solve my issue, they are acting in a predatory manner. Accepting a new loan for an additional 40 years after I have already paid on the loan for 4 years is XXXX  Wells Fargo stands to make an additional $ XXXX in interest on my loan if I accept the terms of their " help. '' This is ridiculous. They refuse to help me except to offer terms which are conducive to them XXXX me and making over {$100000.00} off of a XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

LAW HAM ASC is reporting on my XXXX credit report that I owe them money and have not validated the debt Ive tried to call and my calls havent been unanswered. I have never done business with them nor do I owe them any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX of birth XXXX Last XXXX : XXXX Accounts : XXXX XXXX XXXX acct # XXXX and acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Disputing error [ XXXX ] on credit report To whom it may concern I am writing to request a correction of the following information that appears on my [ Equifax, XXXX, XXXX ] consumer report : I find these accounts listed to be in violation of the FAIR Credit REPORTING ACT and in violation of my privacy and consumer rights and confidentiality under 15 USC 1861. 

Dispute XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX and acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX My account were compromised from XX/XX/XXXX til about XX/XX/XXXX Explanation of item being disputed : from XX/XX/XXXX until about XXXX XXXX XXXX, I was a victim of identity theft while in the XXXX and XXXX for XXXX XXXX care. 
o The report shows I currently owe money to your company that I have already repaid. 
o The date of first delinquency on my report is not accurate. I have not have access to the accounts since XX/XX/XXXX o Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account balance and that I have been late multiple times with both XXXX XXXX and XXXX. XXXX has most recently updated my credit report as of today XX/XX/XXXX to say I am behind XXXX dollars in my mortgage despite this being paid on time ( I paid XXXX 's mortgage on XX/XX/XXXX ). As of today, XXXX is claiming I am behind XXXX dollars and have marked this on my credit report. Prior to my last dispute they had marked that I was late for 2 years consistently! I have ben late in the past a couple of times past 30 days, but nowhere near this amount. I have been current on my mortgage if not paid extra payments for at least the last 6 months. This has ruined my credit ; I am not behind. I have contacted XXXX, and they keep saying they will call me back. The call center agent says they can not see where I owe any money and says I am on time. My statements also reflect that I am current on my payments.
Product: Checking or savings account

I have an account Lending Club ; this then became XXXXXXXX XXXX ; then it went back to Lending Club. I am trying to get my 1099 from these XXXX. I have emailed them numerous times ; they don't respond. There is no way to get it on line. Can you kick their XXXX and get me my 1099. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok so I did a dispute on XX/XX/2020 because Equifax was reporting the wrong demographic information for me. I pay them XXXX a month to be able to check my score an make sure everything is report accurate. I have been doing so since XXXX XXXX. So when I filed my claim on XX/XX/2020 claim # XXXX I got my result back from Equifax on XX/XX/2020 stating that they has updated my report an the invalid names an address had been removeD. So here I am thinking that I could view a updated an corrected version of my credit profile. Wrong it was not updated. So I called spoke to a agent who told me that she apologized an that maybe the site had not updated yet but she would mail me a copy of my report. This was on XX/XX/2020 I said ok they told me to check back on the site an It should be fixed. So here we are I havent received my copy report in The mail an it is XX/XX/2020 an the information online is still reporting inaccurate so I called back on XX/XX/2020 request a refund as well as for my information to be corrected I was given the run around they agent gon na tell me I need to redo my dispute. I ask for a supervisor an she gon na tell me that they were goin to tell me the Same thang an then after being on hold for almost a 1 hour she does not put a supervisor on the line she transfer me to a survey. An the calls disconnects. This was a whole mess not to mention a Inconvenience not only was I treated badly my credit profile still has inaccurate information reporting on it. all the while they sent out documentation stating they removed it. They intentional did not want to assist nor remove this incorrect information. Something needs to be done. They just done care
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2022 to XX/XX/2022, Citibank has reported an account past due to all 3 credit bureaus. Citibank has collected their payment on my bank account, and an in-person payment in-store at Macys. Upon contacting them, they offered to provide a refund which never happened. I proceeded to call my bank and dispute the transaction. Citibank then decided to report my account not paid following this without providing a refund and without notifying me of that even tho I paid them. Around XX/XX/2022, someone helped me identity the account being reported as late on my credit report. I contacted Citibank and make a full payment yet even tho they were already paid so they can fix their reporting. Up until now, no refund was provided and yet they ruined my credit with their false late payment as a tool of extortion. 

Macys and Citibank have put together to discriminate against me due to my race and my XXXX of speaking clearly. At one point, Macys and Citibank have defrauded me, then they are causing difficulties in obtaining any financial products.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX On XX/XX/XXXX I requested an investigation into this account. You did not fix the errors. Then on XX/XX/XXXX I requested a re-investigation into this account, and it is still incomplete and inaccurate. On XX/XX/XXXX I pointed out that this account shows that it has been charged off every month for an entire year. An account can only be charged off one time. You still have not fixed that!

I have also seen that this account doesn't show any balances or past due history. How can you show that I am late when you don't even show a balance history or past due amount? You are not showing the years of positive good payment history on this account, you are only showing negative history and you are inaccurately showing that. The FCRA statutes require that you show complete information and all bureaus must have the same data or it is deemed inaccurate and that is grounds for removal. Please either complete the payment history on this account or delete this account altogether.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate, incomplete, and/or inaccurate and incomplete information in consumer reports concerning me that you have compiles and published to third parties. The following Tradelines item is inaccurate, incomplete, and/or inaccurate and incomplete because its currently reporting as a collection when it was charged off since XX/XX/2017 : XXXX XXXX XXXX XXXX Account number XXXX The inaccurate, incomplete, and/ or inaccurate and incomplete that you are reporting concerning me is harming me personally, emotionally and financially, and causing me damage. I request that you promptly delete the above- listed account and send me an updated copy of my credit report within 30 days of your receipt of this letter. I am aware that I have rights under the FCRA and request that you fully comply with the law in my request. Should you fail to make the requested deletion, I request that you provide me with the name and the address of the person ( s ) that you contacted to allegedly verify the information that I have rightfully disputed.
Product: Credit reporting or other personal consumer reports

Ive sent all my disputes to Experian XXXX and XXXX, but instead of resolving the problems, they keep sending back letters that seem like theyre stalling. It feels like they arent taking any real action, and Im getting really frustrated with this back-and-forth. Im tired of dealing with it, and it seems like theyre not fixing the issue at all. This is outrageous, and Im considering contacting an attorney to get this sorted out once and for all. 

I have attached there letter.
Product: Mortgage

I have a XXXX Mortgage with JP Morgan Chase and a XXXX Mortgage with XXXX XXXX XXXX. I refinanced the XXXX Mortgage with JP Morgan Chase with the assistance of The Hope Help Line around XX/XX/XXXX. The issue I am having is the HAMP program was new with a lot of mistakes and non help at the time that I received a modification. Because of the newness of this program, I was not aware that I would be able to get my XXXX Mortgage with XXXX XXXX XXXX through the XXXX LIEN MODIFICATION PROGRAM ( 2MP ). As I was starting to realize that I was in need of the XXXX Mortgage with XXXX XXXX XXXX Modified also, I received a XXXX loan through my XXXX Mortgage with JP Morgan Chase which changed the account number. I did not request this new loan. Chase just offered it to me and since it had adjusted the payments slightly lower I accepted the loan. This then disqualified me from getting my XXXX Mortgage with XXXX XXXX XXXX XXXX due to the now new mortgage was no longer the HAMP mortgage. I feel that chase hurt my situation of have the much needed XXXX mortgage modified. I have worked with Chase and XXXX XXXX XXXX since this happen XX/XX/XXXX and neither back is willing to help me. They are always referencing the current loan does not apply the originating loan was not created prior to the XXXX XXXX, XXXX. The XXXX refinance was originated before XXXX XXXX, XXXX. I feel that I have been duped by Chase and they are working hand and hand with XXXX to block me from having my XXXX mortgage with XXXX XXXX XXXX from being refinanced under the XXXX LIEN MODIFICATION PROGRAM ( 2MP ). I have been trying to resolve this refinance issue of the XXXX mortgage since XX/XX/XXXX. 

This Complaint should be forward to XXXX XXXX XXXX as while It is there XXXX mortgage that I needed to have refinanced on the XXXX LIEN MODIFICATION PROGRAM ( 2MP ). It is them that are denying the XXXX LIEN MODIFICATION PROGRAM ( 2MP ). See attached document for account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit reporXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 or other personal consumer reports

Re : Dispute of XXXX Account XXXX. XXXX Dear [ Credit Bureau XXXX, I am writing to formally dispute the inaccurate and unlawful reporting of the above-referenced XXXX account on my credit report. This company is in violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, and is engaging in misleading, false, and deceptive practices that infringe on my rights.

1. Failure to Provide Validation of Debt : Under 15 U.S.C. 1692g, I have the right to receive proper validation of the alleged debt, including details regarding the amount owed, the original creditor, and supporting documentation to substantiate their claims. Despite my attempts to resolve this issue directly with XXXX, they have failed to provide the required validation, yet they continue to report a charge-off on my credit report. This failure violates federal law. 
XXXX. False and Deceptive Reporting : Reporting a charge-off without validating the debt or providing supporting documentation is a misleading and deceptive practice. This is a clear violation of my rights as a consumer and contradicts the standards set by the Fair Credit Reporting Act ( FCRA ) and FDCPA. 

As a consumer, I am entitled to {$1000.00} per violation of my rights under the FDCPA. JPMCBs continued failure to validate the debt and their deceptive reporting practices constitute multiple violations. I demand that these accounts be removed from my credit report immediately or that I be compensated as per federal law. 

I have made good faith efforts to resolve these issues directly with XXXX, but they continue to disregard my rights. Therefore, I am requesting that the credit bureau take immediate action to investigate this matter and correct my credit report. 

Under the FCRA, you are required to conduct a prompt and thorough reinvestigation of disputed information and notify me of the results within 30 days of receiving this letter. 

If this matter is not resolved promptly, I am prepared to escalate it to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek legal action if necessary. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of this account or a resolution that is in compliance with federal law. You may contact me at [ your phone number ] or [ your email address ] if further information is required. 

Sincerely, XXXX XXXX [ Last XXXX Digits of XXXX XXXX XXXX Let me know if youd like additional edits or enhancements.
Product: Debt collection

I obtained my credit reports and Mid Michigan CB was on their showing negative on my credit report. I do not know who these people are. I have sent them a certified letter to provide me with proof of both accounts XX/XX/2016 which i provided you with this letter that is attached.. Also in my letter I told them I am also exercising my right under FDCPA to dispute the alleged account and demand validation from them.They have gave me nothing
Product: Debt collection

Consumer Name : XXXX XXXX XXXX XXXX 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 TransUnion 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 checking account opened at XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, as well as another personal checking account opened at XXXX XXXX on XX/XX/XXXX, a cell phone/ utility account opened at AMERIFINANCIAL SOLUTIONS on XX/XX/XXXX and a excessive amount of evictions filed against myself from 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, Account # XXXX has violated my rights. 

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 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, credit repair services, or other personal consumer reports

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled 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
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 XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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

LVNV FUNDING LLC is violating my consumer rights and has committed an act of aggravated Idenity theft. LVNV FUNDING LLC has obtained my private Information under false prenses and without lawful authority. There is an account reporting on my consumer with an alleged debt that I do not owe. I will attach my complete cease and desist letter that I have sent certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

i ask the company to show me proof that I open this account by sending me a copy of my signature associated with this account and they told me that they do not have my signature bearing on this account so I ask them to delete this off my credit report the name of the company is XXXX XXXX XXXX the amount was XXXX was charge off XX/XX/2015 the address is XXXX XXXX XXXX XXXX, XXXX XXXX sd.XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax says Social Security number is linked to fathers name and date of birth unable to upload documents on website- faxed in and they keep saying it has not been received after two weeks unable to close on house loan will be homeless due to their negligence in their resolution and reporting status of credit score.
Product: Checking or savings account

I filed a dispute after all of my personal belongings were stolen XX/XX/XXXX there were transactions on my account that were not made by me and as a result XXXX dollars were stolen. I have spoken with chime over 30 times. They denied my dispute on XXXX I filed a rebuttal the same day chime promised to reinvestigate if I provided proof or more evidence I submitted proof of my phone being stolen a report to cyber security and a written statement on my first rebuttal they denied it after they promised I would like receive a provisional credit if my investigation was not complete by the 10th business day. I was denied on the 9th business day. 
I filed a second rebuttal but this time is sent chime a police report which was XXXX the XXXX that I provided the police report this time they failed to upload a copy to my case as they had added the other documentation I filed them they denied the rebuttal again on the 9th business day which was XX/XX/XXXX the company had automated responses I have asked for supervisors customer relation etc bc everytime I speak with a sup they give the same info as regular advisors I have been hung up on 3 times after being as nice as possible. This company fails to do an appropriate investigation I have cried and urged for help with no luck receiving it