23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased a home at XXXX XXXX XXXX in XXXX Michigan XXXX. The loan was made by XXXX XXXX XXXX. In my paper work I have a form that my wife and I signed that said my home is not in a flood zone and that my zone is zone X and that we are not required to have flood insurance. 

Cut to 7 years later and the loan is now serviced by Well Fargo and that are telling me I need flood insurance and that Im in zone AE and the map is from XXXX XXXX. 

I have sent them the documents that support that I dont need flood insurance and they still refuse to let me not have flood insurance. 

So I reached out and got a quote for flood insurance and the insurance company sent me to quote and on the quote it said that we are in zone X which is the lowest zone and even said I dont need flood insurance themselves.
Product: Debt collection

I received a court summons on XX/XX/2022 for a lawsuit filed by XXXX XXXX XXXX. On XX/XX/XXXX, I called the attorney of record XXXX XXXX XXXX of Nelson & Kennard. During the conversation I asked how to I pay the amount to avoid court. XXXX advised me that if I paid {$2000.00} he would settle the debt. I agreed to the settlement over a recorded phone line. XXXX transferred me to the payment department, where again it was reiterated over a recorded line the {$2000.00} payment would settle the debt. I paid with a check by phone and the money was withdrawn on XX/XX/2022. On XX/XX/XXXX I received a letter from XXXX XXXX stating that they received my payment and now I owe them {$460.00} to close the file.
Product: Mortgage

We bought our house XXXX our first payment on XX/XX/XXXX ( mortgage loan XXXX ) XXXX. The ( XXXX mortgage XXXX ) mortgage maturity date is XX/XX/XXXX as stated per the contract. We've been paying the XXXX mortgage month. To select portfolio services as they Has been sending us payment statements every month and we continue to pay the XXXX mortgage up until now. We sent select portfolio services letters stating that we've overpaid our XXXX mortgage. And the mortgage loan contract we had signed on XX/XX/XXXX. Had specific amounts and maturity date XX/XX/XXXX. Now here its XX/XX/XXXX. We've Paid nearly hundreds, thousands more than the contract stated. Also select portfolio services has manipulate the main mortgage XXXX balance XXXX of accurate mortgage principal and interest. and started sending unverified amount of mortgage balance adding instabilities and inaccurate information to the credit reporting agency.
Product: Checking or savings account

I am complaining about cash app. Back in XXXX I filed my taxes and I used my cash app for my irs deposit. Everything went perfectly I had been having issues with the app, and could never really talk to someone on the phone and the numbers that were provided were not people who actually worked for cash app. I received my refund from the irs and everything was fine. XXXX days later they sent it back to the irs and closed my account and told me I did something against the companys policy. I consistently asked for the agent could she send me documentation of the rule that I broke so that I could get a better understand the cash app live support agent said thats all they could do for me and completely stopped responding. I had over XXXX in my account that I never received back as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been using my information and I have been trying to get these removed for a while now and they have not removed them I went to the police department and they have gave me a police report to add to my letters that I report I will add to my account
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 U.S.C. 1681. 
Account Name : EXTRA, Account Number Ending in XXXX Account Name : XXXX XXXX XXXX Account Number Ending in XXXX These accounts have violated my rights. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) states that 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

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$180.00} ; XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : Company or Organization : Account Number : XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Date fraud began : Date that I discovered it : FTC Report Number : XXXX Total fraudulent amount : {$750.00} Credit Card Opened by the Thief Company or Organization : Account Number : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : {$3400.00} Company or Organization : Account Number : XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : {$3000.00} Credit Card Opened by the Thief Company or Organization : Account Number : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : {$35000.00} please correct the late payment on XXXX XXXX as it is a violation of 15 usc code 1666b timing of payments, an account can not be treated as late for any reason.
Product: Checking or savings account

This National Net Lender ( XXXX ) without any input from me, EVER... ..simply deposited {$600.00} into my XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX and then on XXXX withdrew {$170.00} ... ... ... ... ...... again, I never applied for any loan... ..with any company ever. This is a small savings account at XXXX  XXXX XXXX ...... 

I tried calling XXXX XXXX XXXX ( XXXX ) and was put on hold and then when I finally connected with a person ... ... the line was cut off ... ..this happened XXXX times ... .... 

XXXX has since tried to debit my savings account. The bank has rejected the withdrawal attempt but XXXX continues to try to make withdrawals. XXXX  XXXX XXXX refunded the original {$600.00} and gave me credit for the {$170.00} ...... BUT XXXX DOES NOT STOP TRYING TO DEBIT MY ACCOUNT ...... 

THIS COMPANY IS OUTRAGEOUS... .You just got a judgement against them and yet XXXX continues to access personal bank accounts without any permission. How does the company get our bank account numbers in the first place? ......
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having major issues with my name and addresses on my credit profile. My CORRECT NAME IS : XXXX XXXX XXXX PLEASE DELETE ANY AND ALL VARIATION OF MY NAME. MY ONLY ADDRESS IS : XXXX XXXX XXXX XXXX OH,XXXX. SS XXXX DOB XXXX. I HAVE STARTED ON A NEW BUSINESS AND WHEN I LOOKED OVER MY FULL REPORT I SEEN THAT THERE were SEVERAL ERRORS! PLEASE DELETE THE FOLLOWING SS THEY ARE NOT MINE XXXX, XXXX, XXXX. 
PLEASE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX.
Product: Mortgage

We closed on our Minnesota home cash out refinance mortgage with USAA on XXXX XXXX. It was a reschedule from XXXX XXXX, so we ended up having to wait an extra day for the rescission period to end over the weekend for disbursement on XXXX XXXX. Well it is now the XXXX and the money has not been wired to our bank, nor has the original loan been paid off. 
The disclosure statement, which we did n't receive until the morning of XX/XX/XXXX, when I demanded it, had an additional 7 days ( from disbursement date ) of interest to the previous lender built into it. Then yesterday on XX/XX/XXXX they tell us we have to sign an updated disclosure ( which I have attached ) because they have to account for the extra fee to extend the lock which they were paying for. I have been asking for our funds since Tuesday and was told yesterday by our processor that the new signatures would not hold up the disbursement. Ok, then where is our money?? Can they really just keep holding our money and making us pay interest on all of it while they take their time in disbursing. Do n't let me get started on the rest of this horrible process. Worst refi I have ever been involved in!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX- I have never had an account with XXXX XXXX XXXX This is a debt collection agency that is reporting the wrong debt, This does not belong to me. 

XX/XX/XXXX XXXX XXXX-I have disputed with this company and got no reply or more than one occasion. This is not my account. 

XX/XX/XXXX XXXX XXXX XXXX I have disputed with this company because they are reporting the wrong dates. This is account is over 7 years ole which means it should not be reporting to my credit according to law. 

XX/XX/XXXX XXXX XXXX XXXX-This is a fraudulent account. 

XX/XX/XXXX XXXX XXXX-I have disputed with this company. This debt DOES NOT belong me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered outdated addresses, phone numbers, and employers that do not reflect my current or past information accurately. The presence of these inaccuracies could negatively impact my credit profile and financial standing. 

Due to a recent data breach, I am increasingly concerned that this outdated information could be exploited by criminals attempting to impersonate me. Having inaccurate personal data on my credit report creates unnecessary risks of identity theft and fraud. It is crucial that this information is corrected to prevent potential misuse. 

The only name should be XXXX XXXX XXXX The only address should be : XXXX XXXX XXXX, XXXX GA XXXX The only telephone number should be : XXXX There should be no employer
Product: Debt collection

My home is actively in foreclosure, sale date rapidly approaching on XX/XX/XXXX. I have been working all month to try and get them any and all paperwork they need to proceed on a loan modification or a repayment plan, but I am now told they can not proceed because there is not enough time to review my paperwork before this sale. There would be time to review if a hold was placed, or if I had been contacted at all by LoanCare before it was put into foreclosure again, and I was not. 
My mortgage company is 'XXXX  ', but all my loan assistance and foreclosure dealings are through 'LoanCare '. I have been dealing with this for many months, even more than a year, trying to get things straightened out, submitting all paperwork requested, not hearing from a LoanCare representative, and while waiting for contact, my foreclosure continues. 

Over the pandemic, I was put on a Forbearance program. After the forbearance, I was put on a trial payment period. Sadly, one of my trial payment checks did not reach LoanCare in the mail, I was not contacted by phone or email, and eventually my following payments sent started to come back to me. I was contacted by a local law firm that my house was actively in foreclosure. 
In XX/XX/XXXX, my foreclosure was stopped, and I was told by LoanCare a loan modification/mortgage assistance application packet would arrive in the mail within 30 days. It did not. I contacted LoanCare and was told it could still be in the mail. My house was once again put in foreclosure ( I received another letter from a local law firm, not LoanCare ). 
I again called and explained. I was told the foreclosure was put on hold, and this time I was sent the paperwork and documents requested via email on XX/XX/XXXX. I submitted all documents that day, I was told to wait 3-5 days after submitting. 
Since then I have been on the phone every few days, trying to get an update, asking if they need any additional documents to proceed. As of yesterday, XX/XX/XXXX, my request was for a hold on the foreclosure was denied, and my paperwork and documents deemed 'not submitted in enough time to process before foreclosure '. I have requested yet another hold, as the Foreclosure sale rapidly approaches and my family is terrified of being forced out of our home. 
There has been little to no communication from LoanCare via phone, email, or mail. My wife and I are employed full time and can afford a monthly mortgage payment. We have a XXXX daughter and we are caretaker for my mother-in-law, who is in the final stages of XXXX. We can not lose our home, and have tried for MONTHS to make right by LoanCare, and feel we are being stalled out, or we are a vicim of 'Duel Tracking '.

I am just desperately reaching out to anyone who might be able to help and be on our side as we do anything to avoid the sale of our house. Please let me know if anything can be done, this has been a very difficult, frustrating, and heartbreaking experience.

One of the most frustrating things is the lack of paperwork, emails, any sort of paper-trail from LoanCare that can prove my willingness to reach a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled in the free membership to view my credit which I was the 1st time. Once I started getting email alerts my score was no longer available. The 3 reasons listed are not applicable and the other bureaus report.

I contacted Experian and was told the same as above, then was told I needed to dispute and was transferred back into que to hold for estimated 11-15 minutes I disconnect.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. This is a 2nd request. Some of the creditors did come off on on of the bureaus, but didn't come off of the other ones. Please remove them. Thank you.
Product: Mortgage

I purchased a home XX/XX/2020 and Midwest Loan Services funded the loan. Before the first payment was due they sold the note to XXXX XXXX  to whom I now pay. 
The problem is that they have not reported this to the credit bureaus so I show 2 loans for the same amount on the same home doubling my reported debt and debt to income ratio. 
After a written request in XXXX that produced no acknowledgement or action I reached out by phone and spoke to someone who was rude and disinterested in helping to resolve a simple problem. I was dismissed with the explanation that It would be handled during the month of XXXX. 
It is now safely into XXXX and still no action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax changed their terms about reporting when changing from Equifax to MyEquifax. Before the change I received almost daily alerts about banking ( checking account ) transactions of any amount over {$100.00}. I also received monthly alerts about an increase or decrease on credit card statements. Since XX/XX/XXXX I have 12 personal checking transactions and 6 business checking transaction of {$100.00} or more and several credit card statements and so far I have not received any alerts. I called Equifax Customer Service on XX/XX/XXXX at XXXX ( 17 min 57 sec ), XX/XX/XXXX at XXXX ( 22 min 32 sec ), XX/XX/XXXX at XXXX ( 4 min 18 sec ), XX/XX/XXXX at XXXX ( 16 min 47 sec ), XX/XX/XXXX at XXXX ( 10 min 4 sec ) and today XX/XX/XXXXXXXX  at XXXX ( 52 min 10 sec ). On each occasion I was either cut off and had to re-dial or was told the problem was fixed and I still did not get any alerts. My last call was to get a supervisor on the line and 4 times was redirected back to the original phone options. Finally got a supervisor today and was told " we are having problems with the product and our associates are working hard to resolve. But if you are not getting alerts nothing has happened on any of your accounts ''. That's when I decided to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was mistakenly sent to Firms collection agency, and then they withdrew it.. 

XXXX  and XXXX  deleted it quickly. 

Experian has it marked " PAID '' and " CLOSED '' but still a collection account. Even after my dispute with them. Experian needs to delete it. 

This has a huge impact on my score and needs to be addressed.
Product: Credit reporting or other personal consumer reports

Equifax credit company has ruin my life by reporting false statement on my account decreasing my credit scores have called many time no help
Product: Mortgage

To whom if may concern : This complaint is toward Beneficial, member of HSBC consumer and Mortgage Lending. 
I refinanced my home on XXXX/XXXX/16 from Beneficial. The refinance company paid off the mortgage of Beneficial in the amount of {$86000.00}. The pay off on the house was {$85000.00}. Beneficial sent me a check for {$680.00} Short of {$410.00} of what I should have gotten back. 
XXXX/XXXX/16 statement is as follows Explanation of amount due Principal {$83000.00} Principal {$190.00} Deferred interest balance {$1500.00} interest {$360.00} Deferred insurance balance XXXX Life insurance {$46.00} That comes to {$85000.00} Monthly payment of {$600.00} XXXX/XXXX/16 statement is as follows Principal {$83000.00} Interest {$1900.00} where did this come from Escrow {$680.00} Insurance {$44.00} why did they take out and pay insurance on a {$0.00}. Balance. 
Fees and charges {$26.00} Total {$86000.00} I spoke to XXXX XXXX on XXXX/XXXX/16. Beneficial has not responded. 
They owe me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most recent credit report. Trans Union, XXXX  and XXXX  currently reports multiple inaccuracies and unverifiable information onto my credit profile without permissible cause. 

The following inquiries are inaccurate and unverifiable : 1 ) XXXX XXXX- Date reported- XX/XX/2019 ; reporting without any permissible cause, no credit has been extended. Please remove this account at once 2 ) XXXX- date reported- XX/XX/2019 ; reporting without permissible cause, no credit has been extended. please remove account at once. 

3 ) XXXX XXXX XXXX- Date reported, XX/XX/2019 : reporting without permissible cause ; no credit or loan has been extended. Please remove this account. 

XXXX- date reported XX/XX/2019 ; reporting without permissible cause ; no credit line or loan has been extended. Please remove this account.
Product: Vehicle loan or lease

Good morning, This morning I checked my USAA account as usual. To my surprise, there is a loan for over {$19000.00} that I never requested. I have no knowledge of how USAA gave us this loan nor did I request this loan whatsoever. Please investigate. Thank you.
Product: Credit card

Navy Federal denied me right to my credit after a hard inquiry was place on my credit profile which proves there was a draw on my account. This constitutes as discrimination and unauthorized use of my social security credit card. Furthermore Navy Federal has the ability to use my application as collateral and reap income according to Federal Reserve 16. This application was given as accommodation for I was denied therefore not receiving any accommodation so NAVY FEDERAL is in violation of UCC 3-419 & UCC 3-303 .
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX is sendjng me denial lettera of inquiries i never made - then sent another that my dad did get approved for butnsaid they needed his deposit that thwy nwver received it and lied untik my dad threatened them then he got card within 2 days ... i have a bunch of

opened XXXX XXXX cards in good standing but i never opened them or paid them and alot of recent medical bills are hurting me ans i never went there .. i wrote XXXX XXXX with one of the complaint forma ans ... i just need an auto loan but i dont know whats affecting me from getting ome when i make great money i sent both letters of fraud to XXXX XXXX along with a complaint form that i will sue if they keep reportjnf incorrectly .. XXXX XXXX and XXXX XXXX opened in XX/XX/XXXX i never opened the type says debt buyer and creditor XXXX - and they havw NB by everything .. thats a big hit .. i havent contacted them dont even know who to contact ..balance started at {$1400.00} and charged off at {$1400.00}. midwest recocery same thing never went balance started ar {$1000.00} and has ND and CO at  {$1300.00} that one is a medical bill someone must have went in as me not sure - that says XXXX XXXX ..is also right under it a high balance medical bill i never went to i have always had insurance ... and now i just got out of XXXX  my car got stolen and i was involves in data breach with XXXX  many years ago and i havent used or meedes to use my credit in almost 10 yeas and i go apply for a XXXX XXXX XXXX   and found out about my bad credit and i am a XXXX XXXX it was embarassing - please help me get an auro loan. i have disputed them with XXXX  waiting on answer back and i sent via mail with id social and another form of identificarion ... XXXX this is also prevenjng me from joining XXXX who ny whole family banks with plz help - i am XXXX  have a bad XXXX XXXX record but i need a car because im trying to finish up a XXXX  in XXXX XXXX.