23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX who has been assigned as the Legal Risk Research Specialist/Loss Mitigation Mediation for Truist is being biased towards me regarding the selling of my home. She asked me some questions regarding legal matters that have nothing to do with the selling of the property that was based off of information she received from XXXX XXXX ( who is the co-owner of the property ) and her condescending tone did not sit well with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello again, Just last week I spoke to one of your Customer Service Representatives, they had told me to write in regarding the aging of my account with you. In addition, the agent told me the reason the account is aging at this time, showing a charge off as of this date, XXXX is because your " system '' shows that I have disputed the account, therefore it automatically reports it as currently being charged off. When in reality it was charged off almost seven years ago. This is not only damaging my credit or what little I have it is also false information. 

Therefore, I am asking that you be so kind to remove the " dispute '' on my credit report with your company right away. Please report to all three credit reporting bureaus right away. Then, please on the payment history do not report past the actual charge off date as per law or the FCRA. This should take the account to the proper status. Please see that these changes are done right away. 

Thank you in advance. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXXXXXX XXXX my brother sent me XXXXXXXX XXXX XXXX from XXXXXXXX XXXX in XXXX to my account in JP Morgan Chase. The money was sent in my name but there was a mistake in the account number. My account number is XXXX but my brother wrote XXXX and this is a live account number in JP Morgan Chase. So when the money came ordinarily Chase bank should not have deposited the money into the account knowing fully well that the name did not match the account number. But they did anyway. Now the owner of the account took the money and closed the account. 
I Have put across at least a total of nine phone call to J P morgan chase on this issue all to no avail. The sending bank XXXX XXXX said that they have put a series of fund recall request which they said That Chase vehemently refused to respond to. Even when i call chase to tell them what the sending bank said they will tell me that they can not speak with me on the issue. 
The above narrative is exactly the same with my inlaw in XXXX who also sent me {$120000.00} from XXXXXXXX XXXX in XXXX. The money also went to the Chase account number XXXX. They are the people who have been so frustrated by Chase that they discovered that the money was wrongfully deposited and the person took it and ran.
Product: Debt collection

XXXX   XXXX   XXXX   XXXX ,  1. ) Filed a false claims on my credit report. and 2.  )  XXXX   XXXX   XXXX   XXXX , did n't respond to by letter dated  XXXX / XXXX /   17  received by  XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX /   17  disputing these bogus claims dated  XXXX / XXXX / 17 .
Product: Debt collection

I will try to remember as much as possible. 
In XX/XX/XXXX. I got a loan from oportun for {$500.00}. I was very happy to pay the loan back because it would help my credit. 

Within the month of XXXX, XXXX, XXXX, XXXX, XXXX and XXXX I have been having financial difficulty because I needed repairs done to my car every month back 2 back. 

I have called oportun every month to inform them that I'm having car problems and as soon as I stop having car problems I will start to make my monthly payments. 

Oportun did not care about my money situation at all and oportun has stopped me from making monthly payments because they asked me if I have a lawyer and I said yes I do have a lawyer. Therefore Oportun has stated to me that because I have a lawyer they can not allow me to make payments until they speak to my lawyer. ( I am supposed to have a lawyer, I am a united states citizen, and by oportun locking my account to not make payments it against my Constitutional Rights! 

I called oportun this month XX/XX/XXXX and oportun told me that if I say that I will not sue them they will put me back on a payment plan. 
I told oportun that I will not sue them and oportun still said that they cant allow me to make payments. 

Oportun is full of lies and deception. 
1st Oportun told me that if I say that I will not sue them I can continue to make payments.

2nd then oportun told me that they cant let me make payments until they talk to my lawyer.

Which one is it? 

Oportun is a deceptive company who is only out to destroy people credit and they wont wouldnt allow me to change my billing date and oportun charges us people like me on ssi of which I only get paid once a month with 2 payments a month which is unlawful against the XXXX.
Product: Credit reporting or other personal consumer reports

I've repeatedly tried to resolve the issue of false, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have severely affected my life, causing considerable distress. I want to emphasize that I never authorized this information to be associated with my name, as I've been a victim of identity theft.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Radius Global Solutions LLC Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Radius Global Solutions LLC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Credit reporting or other personal consumer reports

6 Hard Inquiries that I did not apply for : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Sallie Mae XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have no relationship with the creditors shown and these inquiries do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I sent a dispute letter to the credit bureaus such as Equifax, XXXX and XXXX but they are not doing anything to solve my problem. 

I have inaccurate information on my credit report that is affecting my credit score, I want to resolve this as soon as possible.
Product: Credit card or prepaid card

I 've had a JCP credit card for over five years and have paid my bills on time. At one point years ago, I even paid off my balance but I kept the card and kept using it over the next few years. In XX/XX/XXXX, I decided to once again pay off my bill and did so online. During that process, I realized that I used the wrong account to pay off my balance so I called the company to inquire about the best course of action. We came up with the solution that I would stop the payment on my checking account and that same day, paid off the balance using my savings account. I thought that was the end of that and since I have never had a problem with JCP, I was under the impression that this was taken care of. A month later, I received a bill and after I reviewed it, I realized that the payment was not taken out of my savings account so I called the company, and paid the bill over the phone again. The next letter I received was from JCP stating that they have closed my account. I asked what the reason was and I was told that I have stopped payment on the account and that my last two attempts to pay was unsuccessful and returned. They asked me to submit proof that I had indeed paid off the balance and I sent them the attached copy, thinking that would solve the problem. I also called my credit union and with a representative on the phone from my bank, they confirmed that the payment was paid. Now, this is three months later. I received another bill from JCP and at this point I was livid. But, there was this customer representative on the other end of the line from JCP, who is one of the best ; she carefully reviewed my account and informed me that the reason my payment was being declined over the past few months was because I was using a savings account to pay off my balance and that is why my payments were being rejected. No one prior to that conversation from JCP has ever told me that before. So, my account was closed and I was accused of using a fraudulent bank account to pay off my balance, when all along, I was just not informed. Needless to say, I drove to my credit union which is 2 hours away, obtained the cash and paid my account in full. I am not sure what happened with my credit union and why the payment was not sent, but I am in the process of discussing that with them. My fear is that this was reported to the credit bureau resulting in my credit score being affected, and, I am without a JCP card. I would love my card back, but I refuse for them to run my credit. I believe that they should reinstate my card because they neglected to inform me of the reasons why my payments were being rejected.
Product: Debt collection

I paid my rent in full as per the lease contract when I moved out of the apartment at the XXXXXXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX, TX XXXX. My balance was XXXX when I moved out. After several weeks, they started sending emails that I owe {$75.00}. It seems these big property managements have started collecting this amount after a tenant moves out. I got charged with the same amount when I moved out of XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX, two years ago. But when I asked them what's this charge and pushed back, they withdrew the charge. This charge is not in the lease. I emailed the property management, XXXX and explained that this charge is invalid, and they can't just come up with new charges after a person has moved out. They did not respond, obviously. XXXX was the property management of both XXXX and XXXX. The dept collector keeps sending me emails to pay this fee. But it is unclear what this charge is for.
Product: Credit card or prepaid card

XXXX XXXX XXXX XX/XX/2016 To Whom It May Concern at the Consumer Financial Protection Bureau , I am writing to file a complaint under USC 1681a2 regarding fraudulent activity on my credit report. I recently discovered that there have been unauthorized charges made on my account with [ XXXX XXXX  ], and I believe that my personal information may have been compromised. 

The fraudulent activity has caused significant harm to my credit score, and I am deeply concerned about the potential impact on my financial wellbeing. I have taken steps to address the issue by reporting the fraud to the creditor, filing a police report, and notifying the credit reporting agencies. 

However, the fraudulent charges and related information continue to appear on my credit report, despite my attempts to dispute them. This is a clear violation of USC 1681a2, which requires credit reporting agencies to ensure that the information they provide is accurate and complete. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that my credit report is accurate and free from fraudulent activity. I am also requesting that any incorrect information be removed from my credit report and that any accounts opened fraudulently in my name be closed immediately. 

I am committed to taking whatever steps are necessary to protect my financial wellbeing and prevent further harm from this fraudulent activity. I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Mortgage

We are due a pro-rated refund on Mortgage Insurance that is no longer needed on our current mortgage. The mortgage company only has to ask for this refund from XXXX and it will be given to us. The amount owed is {$9400.00}, per XXXX at XXXX per email from XXXX on XXXX/XXXX/19. 
On XXXX XXXX, 2019, we took out a mortgage with XXXX XXXX XXXX company that required Mortgage Insurance. XXXX XXXX XXXX sold the loan to XXXX XXXX on XXXX/XXXX/19, who then sold the loan to CMC Funding and XXXX XXXX XXXX XXXX ( XXXX ) on XXXX/XXXX/19. 
On XX/XX/XXXX, we ( XXXX XXXX XXXX XXXX ) re-cast the loan putting a substantial amount of money down on the mortgage, therefore under the Homeowner 's Protection Act, we are no longer required to have Mortgage insurance. On XX/XX/XXXX we overnight mailed CMC the recast docs, along with the requested refund of the pro-rated mortgage insurance. 
On XXXX/XXXX/19, XXXX XXXX called CMC Funding to inquire about the status of the refund. She was told there was no record of any refund due her, but to call the Servicing company, XXXX, and see if they could help her. XXXX also did not have any record of any refund due. XXXX then called XXXX XXXX company, and they confirmed that she does have mortgage insurance, and, yes, was now due a refund if her loan had been re-cast, but that XXXX would have to request it, not the XXXX. The certificate of the policy with XXXX is # XXXX. 
XXXX and XXXX XXXX have since been on the phone almost daily or in email correspondance since XXXX/XXXX/19 with various supervisors at XXXX XXXX XXXX XXXX and all they get are the runaround, " It's being reviewed ... .No answers yet ... '' We have provided them with proof of our mortgage insurance policy. We have provided them with the name and email address of " XXXX at XXXX, '' who will confirm that they have a check ready to mail to end this situation. 
This is a cut and dry situation. The money the XXXX ' are owed is money they brought to their original closing date on XXXX/XXXX/19 to satisfy a requirement that is no longer needed. It is NOTmoney that belongs to CMC or XXXX. 
XXXX XXXX from the XXXX ' initial mortgage company ( XXXX XXXX ) has also been trying diligently to get CMC and XXXX  to request the refund from XXXX XXXX, but she, too, has been getting the run around. This is causing financial hardship for the XXXX, and there seems to be no sign of a resolution. The various supervisors at XXXX   that are not giving us answers are : XXXX XXXX, XXXX XXXX and XXXX. We have also spoken through the course of this ordeal with customer service reps : XXXX, XXXX, XXXX, and XXXX. Everytime we call the customer service number, we have to start over again with a new person. It's exasperating and exhausting. We have been given the email to Mr XXXX XXXX ( XXXX ) and the email and direct number to XXXX XXXX ( XXXX phone number XXXX ). We are still unable to reach them or get adequate info from them. Please help us. XXXX XXXX XXXX XXXX Phone number for CMS XXXX/ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Harley Davidson Financial Services, aka Harley Davidson Credit aka XXXX XXXX  refuses to comply with the terms ad conditions of the CARES Act and continues to report me as 30 or 60 days late, when I have never been late. I made an arrangement due to the negative financial impact of the CoronaVirus, Harley Davidson, REFUSES to correct inaccurate information, I have NEVER been 30 days late, let alone 60 days late since my first loan with in XXXX. Harley Davidson has provided a false statement to the CFPB and to me. Harley Davidson stated in a response that they have not reported a delinquency on my account to the CRAs. Yet at one point XXXX had me at 30 days late in XX/XX/XXXX, XXXX  had me 60 days late in XX/XX/XXXX and XXXX  had me at 30 days late in XX/XX/XXXX. After 5 disputes, 2 with XXXX, 2 with XXXX  and 1 with XXXX, XXXX   shows me current never late, XXXX  shows me 30 days late and XXXX  now shows me 60 days late, with no 30 day late before that. Harley Davidson refuses to comply with the FCRA or the CARES Act and is deliberately and blatantly refusing to made the required corrections to my credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not Reported XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Original Balance : {$2300.00} XXXX XXXX XXXX XXXX Original Balance : {$3000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DPEDXXXX XXXX DPEDNXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Equifax to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00}
Product: Student loan

I am part of the XXXX XXXX XXXX discharge/dismissal and have spoke to both borrows defense and my loan holder aid advantage and they just keep blaming each other but my loans were to be placed in forbearance until my loans were discharged from being a student of Corinthian colleges group discharge, I went to XXXXXXXX XXXX XXXX XXXXXXXX XXXX  and I have been calling about this for years when I found out the judges ruling in favor of dismissal and so what was told to me is that it was going to be automatic that nothing was needed even if others had applied for borrows defense, this is affecting my credit in so many ways my last three months of schooling was charged illegally I was at school a total of XXXX minutes per week because I didnt have a XXXX  or a XXXX  once my XXXX  closed they told me I had to go to the nearest XXXX  that was building a XXXX XXXX because they currently didnt have a XXXX  program but I never ended seeing a XXXX  XXXX  they lied to me to not sign out out of my loans they lied to me telling me my certifications would cover nationwide, please tell me if I should apply for borrowers defense at this point to speed up my loan dismissal I was just going off what I was told a handful of times over he years and what the documents said on the official student aid.gov website. I have been affected in so many ways by this XXXX  and the few things I listed is just the beginning of how I was a victim of fraud by them.
Product: Checking or savings account

Someone applied a capitol one bank account in my name and I never opened it up at all .... and I was in prison for 6 years and they refused to closed it and told me it will be on my credit report very soon if I dont settle the balance and I called and called they kept denying my claim and holding me responsible for it and said that my social security number was on the file with them for four years or more and I never had a bank account or a job cause I was in XXXX and my wife or her friends may be using my information and capitol one was applied in my name without my permiission
Product: Debt collection

I sent a validation request over 30 days ago. They never validated the account and continue to report it to the credit bureau. This is a direct violation of the Fair Debt Collection Practice Act Section 809 ( b ). This company is blatantly breaking the law and causing me hardship by continuing to report they can't validate.
Product: Debt collection

LVNV Funding is reporting to my credit report that I owe over {$5000.00}. I never recieved any proof that this is my account. I would like a copy of the original contract stating that this is my debt
Product: Mortgage

In XXXX my wife and I were able to pay off our mortgage that was held by XXXX XXXX XXXX. In XX/XX/XXXX we opened a line of credit with XXXX. We borrowed {$30000.00} to repair a rental property we own. XXXX has done a lot wrong with our contract, changing most of it without consulting us. 
Early in XXXX XXXX started referring to themselves as my mortgage company. Because we have no mortgage ( paid off in XXXX with XXXX XXXX XXXX  ) I questioned XXXX about what they thought they were doing. I accused XXXX of predatory lending and started looking for a attorney to help me with this issue while I continued paying on the account. On XXXX I got a letter from Select Portfolio saying. they will be servicing my 2nd mortgage account. I called select portfolio and spoke with, XXXX XXXX. I told her I was seeking legal help with XXXX and to please wait until my complaint against XXXX was addressed. I continue paying XXXX but stopped when XXXX returned the last two payments  I sent them. I felt that going forward with an innocent, Select Portfolio would leave my wife and me Unable to recover position. So payments did not go to Select Portfolio, ever.Now Select Portfolio is attempting a foreclosure. They dont hold a mortgage for this property. Please help.