23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was through XXXX XXXX. It was bought by XXXX. Then it was bought by XXXX XXXX. Now I receive a letter saying it was sold to PennyMac, BUT the terms are not being honored. I had automatic payments through XXXX, XXXX   and XXXX XXXX. This covered my Principle, Interest, Insurance and Property Taxes. PennyMac says they will not take care of that in this letter. XXXX XXXX NEVER said they were selling my loan. In this day and age of fraud and corruption no one needs this from finance companies.

When mortgage companies assume a mortgage are they not supposed to honor the terms and rates of the loan, especially a VA LOAN!? If it's not a law WHY DON'T WE MAKE IT ONE!

My mortgage is not a Grifter 's game for banks to play with. XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint against TD Bank for the following reasons : - TD Bank allowed " {$500.00} '' to be stolen from my account. 
- TD Bank lied to me about their investigation. Stated that they reached out to the parties involved " cash app '', however upon following up with the involved party " cash app '', they stated that they have no record of TD bank ever contacting them in regards to my account. Therefore, TD bank did not conduct a thorough investigation on my behalf. 
- I had to open a new account with TD bank to make sure my money was secure. However, when I opened my new account, TD Credit Card Services continued to attempt to bill the closed corrupted account. Despite numerous efforts by both myself and my TD bank associate TD Bank XXXXs Software continued to revert billing to the closed corrupted account. ultimately, posting a " late payment '' notice on my credit dropping my XXXX XXXX by XXXX points. 

I have spent over 50 hours in an effort to retrieve my stolen money, secure my account, and correct TD bank 's billing mistake to fix my credit. My information and TD Bank 's documents regarding this entire process have been mishandled and lost. This should be criminal and must be brought to justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account number # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXXXXXX XXXXXXXX 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 section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction 15. U.S.C 1681C ( a ) ( 5 ) section states.no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime 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: Credit reporting, credit repair services, or other personal consumer reports

see attached I have been contacting these companies since XXXX of XXXX, notifying them I am a victim of identity theft. I have sent proof of identity along with an identity theft affidavit yet these fraudulent accounts remain on my credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I received a money order from one of my tenants for {$960.00} which I deposited in my bank account. On XXXX XXXX my bank said there was a stop payments on the money order. I called Western Union and they said you can only stop payment on a money order with a written notice mailed to Western Union. You can not do it by phone.

I would like you to check with Western Union to see what you can find out about this money order. I don't see how anything could have been done by mail within 2 days.

Western Union tells me it could take up to 15 days,, XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX I presume that no proof of the alleged debt, nor therefore any debt, in fact therefore exists. 


XXXX : These inquiries on my credit profile is an identity theft error and need to be removed from my credit profile immediately. 

XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX CXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX The collection accounts below don't belong to me. Please remove the erroneous accounts from the credit profile : XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Account charged off/Never late. {$2.00} written off. 
XXXX Under dispute Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$530.00} written off. 

XXXX XXXX XXXX dispute Date opened XX/XX/XXXX Balance {$200.00} Status Account charged off. {$200.00} written off. {$220.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX dispute Date opened XX/XX/XXXX Balance {$930.00} Status Collection account. {$9.00}
Product: Credit reporting or other personal consumer reports

MY X OPENED THIS ACCOUNY IN MY NAME WITH MY DOCUEMTNS & ID I HAD NO IDEA THIS TOOK PLACE UNTIL A FEW YRS AGO AFTER WE HAD A BAD BREAKUP, I FILED A COMPLAINT WITH BBB ALREADY WRITTEN 100 'S OF LETTERS TO ALL 3 BUREAUS THIS ACCOUNT HAS BEEN OPENED SINCE 2017 THEY ARE RUINING MY LIFE/CREDIT. I NEVER MADEA PAYMENT TO THIS ACCOUNT NOR CAN THEY PROVE IT WAS ME I NEVER EVER AUTHORIZED THIS ACCOUNT NOR DID I EVER SIGN ANYTHING, I NEVER KNEW THIS WAS IN MY NAME UNTIL AFTER ME & MY X BROKE UP.. 

I WANT THIS REMOVED OFF MY CREDIT REPORT WITH EQUIFAX I WANT TO BUY A HOME AND CAN'T DUE TO THIS BEING ON MY CREDIT REPORTING LATE EVERY MONTH THEY TOOK POSSESION OF THE CAR OVER XXXX AGO
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion did not investigate my file in a timely manner. I am extremely upset by this. I don't know why I must spend so many countless hours trying to fix the mistakes on my credit. This is causing me a lot of XXXX. Please find attached letters previously sent by me via USPS certified mail. I am trying to buy a house and am trying to avoid any unnecessary litigation under the FCRA.
Product: Debt collection

i have a common name and was told by XXXX. XXXX, and XXXX  that sometimes a name and social can be combined to report inaccuracies on somebody credit report. I've been going back and forth for over a year with three particular companies reporting a collection that isn't mine, nor will they show any proof or validation it is mine besides saying its validated. no proof of signature or anything. also when i try to apply for new things i always get that my identity can be verified. its very frustrating to keep going thru this with all three credit bureaus about things that are not mine. everything else on my credit is completely fine but these things. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I had called LoanMe around XXXX XXXX & I wanted to pay off my loan. They had told me it had got sent to a collections company. The number they had given me was XXXX. I had called them & paid off the amount of {$2900.00}. They had told me the this well be taken off my credit within the next month or so. Ive been checking my credit report & its still on there with a full balance as well.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), 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 reseller. 

Bankruptcy - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

1. Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account Im asking you to verify as accurate : XXXX XXXX XXXX - Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting account number and original balance wrong in this account ( XXXX XXXX XXXX ) Please this information needs to be corrected or removed from my credit report.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX  I received an email from Wells Fargo that there were fraudulent XXXX transfers made from my account. They were in the following amounts : {$100.00} Ref # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called Wells Fargo immediately and was informed by a representative that they would be locking my online access to prevent more fraudulent charges. I also deleted XXXX from my account, as I had never used this ETF service before. I reported that my phone was out of my possession the previous day and could have been accessed by someone else. ( Despite my face ID being activated on my cellphone ). I also filed a police report to report the online fraud. 
I filed a claim XXXX XXXX XXXX XXXX, which was denied on XXXX. I contacted Wells Fargo on XXXX XXXXo ask why it was denied and was told that research showed the charges were made from the same IP address and could not be fraud. The rep would not provide me any further information upon my request. At this time, I repeated that my phone was out of my possession the day before the charges were made. 
I went into a Wells Fargo branch on XX/XX/ to file a complaint ( # XXXX  ) regarding this issue, as I was told I could not appeal the decision. I was then contacted by a complaint representative who looked into the claim denial more and was told that the transactions occurred from fingerprint access to my phone. I have never used this security feature on my phone, so this is not accurate. This is also inconsistent with the previous rep telling me that it was used from the same IP address.
Product: Debt collection

CAPIO PARTNERS LLC XXXX attempted to collect a debt thats not owed. 
reporting medical info on my credit report to XXXX  and XXXX. 
XXXX {$900.00}
Product: Payday loan, title loan, personal loan, or advance loan

I have an outstanding unsecured installment loan with Republic Finance. The loan came about from mailing me a loan check that I could cash and create the loan. This process went fine, there was no issue, and I have used them multiple times before. Until now I was a satisfied customer.

I was contacted by text that I was available for additional funds because of my good status. Since I needed some funds I called the number of the local branch and spoke with XXXX. He took my basic information and then other information that I thought the local branch should have since I am already a customer but I provided it anyway. There was a hard pull on my credit report and then I was told the loan has been approved. I was asked to submit additional documents like paystubs, photo ID, voided check. I send it in over their portal and I received a phone message that everything is good they just need to get some additional information. 
The additional information was to request descriptions of personal property as this loan was being converted to a secured loan.I was never informed that this was to be a secured loan. If I had been I would not have gone forward and especially not have authorized a hard pull on my credit report. I told them I felt that I had been mislead and misrepresented and the response I got from XXXX was additional funds always have to be secured. If that is their policy that is fine if it were disclosed at the beginning. I asked them to play me a recoding that they told me that the loan is to be a secured loan and they don't record their calls. I was transferred to XXXX who then told me that This is just the way it is and they do this everyday. As if failure to inform makes it right. 
I requested they tear up all paperwork and not to contact me again. 
By misrepresenting the loan ( which they deny ) I wasted hours of time and incurreced a pull on my credit that could have been avoided. 

This occurred at XXXX XXXX of Republic Finance. 

Regards, XXXX XXXX
Product: Credit card

We received a gift card from visa for our wedding gift. After opening the cover we noticed the card number was half removed and so is the security code. I've tried several times to send documents and resolve this with XXXX from debit visa to no success. Can you please help?
Product: Mortgage

I filed a complaint against Chase a couple of weeks ago. Please reference complaint # XXXX. 

I just got an update today stating the complaint was closed due to my lack of response to a letter they sent me. Based on what I am about to explain it will become quite clear that the letter was probably never physically sent. The first I have seen this letter is attached to today 's CFPB reply. 

The letter says that my credit report screenshot was illegible ( which in fact it is very clear and concise ) SEE ATTACHED FOR YOURSELF THAT IT CANT BE MORE CLEAR IN REGARD TO THE ISSUE. 

Secondly, they reference XXXX being the bureau in question which clearly shows they do n't know what they are talking about or did n't even do their due diligence. Both the CFPB complaint and the attached doc show XXXX is the clear issue. The credit report does n't even show XXXX or XXXX  reporting this account so I am even more baffled at the reply! 

PLEASE INTERVENE AND PUT SOMEBODY COMPETENT ON THE CASE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written
requests, the unverified items listed below still remain on my credit report in
violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation,
you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Last reported XX/XX/XXXX {$1500.00} Reported as an " Open Balance with all three credit agencies. 

Dispute reason : The original creditor & the collection agencies OR the new company reporting the account has a balance. This is a violation. 

OVERVIEW Highest balance XXXX XXXX Monthly payment {$0.00} Opened XX/XX/XXXX ( 3 yrs, 2 mos ) Term 9 months PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Worst payment status No Info Dispute reason : Delete account immediately for failure to report the accurate date of status ( DOA ) and the date of last activity ( DOLA ). This is a violation. 


ACCOUNT DETAILS Account status Open Type Unsecured loan Responsibility Individual Remarks Charged off as bad debt Profit and loss write-off Times 30/60/90 days late 0/0/0 Dispute reason : The accounts are not marked as transferred or sold, its a violation.
Product: Student loan

On XX/XX/2023 I contacted my loan servicing company, Scratch, about applying for forbearance. At the time, I was nearing the end of a work contract and knew I would not have employment/would not be able to pay back my loans while I got back on my feet and I wanted to be proactive. I received no response until XX/XX/XXXX, when I was told how to apply for forbearance. I completed my application and submitted supporting documents on XX/XX/2023 and was sent confirmation that my application was received. I received no updates on my application for a month, and on XX/XX/2023 I called Scratch 's customer service like for updates - I was put on hold indefinitely. I then sent an email to Scratch 's customer service describing the issue that still has not been responded to as of XX/XX/XXXX, though they say their emails are responded to within 2 business days. The next day, XX/XX/XXXX, I called back and discussed my problem with an agent who told me that my application had not even been reviewed. She assured me she would put it through for processing and would send me a confirmation email. I never got this email. Today, XX/XX/XXXX, I attempted to call Scratch once again to resolve my issue, as I still am unable to pay my loan for this month due to unemployment, and when I called I was told that there were no customer service representatives available to help me, and to leave my contact information in a voicemail so that someone can call me back. I am tired of this run-around process, and would hate for non-payment of my loan to be counted against my credit report simply because Scratch could not do its job as my loan servicer and work with me.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received notice of debt from XXXX XXXX  ( Receivables Performance ) on XX/XX/XXXX for {$1500.00}. 
Contact info : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX, WA XXXX Originally purchased a XXXX & XXXX through XXXX XXXX  that would be added to my phone bill in XX/XX/XXXX. I was told my account was lost on XX/XX/XXXX. When re-opening my new account under the same social security number they couldnt find any of my old information. Then proceeded to tell me I had nothing owed in store. Never received any mail or phone calls of this charge. Assuming if I owed anything theyd update my current account of the balance or not let me open an account until the debt was paid. 

I have no problem paying the balance but it was completely unnecessary and unprofessional for this to hit my credit report due to their failure of keeping record of my account. 

I am still currently in service with XXXX XXXX & my account has never notified me of this old payment.
Product: Debt collection

I requested full debt validation from NTL Recovery Agency in writing. In response, they failed to provide an itemized statement of charges, proof of services rendered, or documentation demonstrating their legal right to collect the debt. Instead, they provided only a generic statement that does not meet the standards of proper validation. 

Despite their failure to validate the debt, NTL Recovery Agency has continued to pursue aggressive collection activity. I am now receiving daily emails and repeated phone calls attempting to collect this unvalidated debt. These frequent and unwanted communications are harassing and in violation of my rights under the FDCPA, which prohibits continued collection attempts without proper validation.
Product: Debt collection

I received a collection notice from 2 businesses XXXX XXXX XXXX and Dynamic Recovery Solutions. Both claim rights to collect the debt for XXXX XXXX. I received notice from XXXX XXXX XXXX  first and signed a Debt Settlement Agreement with them on XX/XX/2021 then I received a notice from Dynamic Recovery Solutions on XX/XX/2021 both were for XXXX XXXX. I how do I know who has the current account. How do I verify who can collect the debt. Who is the ligitiment collector of the debt, please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX on XX/XX/XXXX regarding several inquiries that were on my credit report. The inquires were dated XX/XX/XXXX this has affected my score and I'm not aware of the companies listed. XXXX   told me to contact the companies and ask them to do something about it and send a letter of deletion back to them. I called the numbers listed and I either got hung up on. They did know what I was talking about or I was just on hold with no results.
Product: Credit card

My spouse is XXXX XXXX military enlisted/serving in the state of Louisiana. Under LA statute RS 29:312, credit lenders are supposed to be capped at 6 %. Please adjust my account accordingly. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XXXX XXXX, 2023 to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days after the XX/XX/XXXX2023. Ive already included this in my previous Complaint & I am including it again., 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, credit repair services, or other personal consumer reports

I had some fraudulent activity on my report and everything has been resolved. I contacted Equifax on XX/XX/XXXX to remove the fraud alert. They haven't complied to this day. 

I requested again on XX/XX/XXXX to remove the fraud alert, yet they refuse to do so. 

On XX/XX/XXXX I again requested that they remove the fraud alert. They have still not complied. 

I sent a XXXX request to them on XX/XX/XXXX to remove the fraud alert, yet they have failed to do so. 

On XX/XX/XXXX, I sent my 5th request asking them to please remove the fraud alert from my credit report and the refuse to do so. 

On XX/XX/XXXX, I sent a 6th request. Can you guess what happened? If you said that they have refused to remove it you would be correct. 

I don't know what needs to happen and why they have refused to remove the fraud alert from my credit report. What is even worse is that they are allowing inquiries to be placed on my credit report, yet, they are not providing one so how does this work?