23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Because of an extended period of unemployment ( without unemployment benefits ), I requested a Loan Modification in regard to my first mortgage on my residence of fifteen years. I responded with a complete application and documents as requested by Specialized Loan Servicing ( " SLS '' ). Subsequently, extended periods of time took place in which I would not get a response from SLS. Over a year ago, I was informed that they were missing just a few documents including an authorization to release my Federal Tax Return Transcript, pay stubs for my wife 's XXXX income and confirmation of my consulting agreement with a XXXX XXXX XXXX in XXXX California. Despite the fact that I had submitted these documents in prior submissions, I repeated the task by fax, XXXX and USPS methods. Once again, extended periods of time passed without hearing from SLS. Finally, I received a communication from SLS indicating that they were unable to evaluate the dozen or so programs available for Loan Modification or relief for homeowners who fell behind in their mortgage obligations. Following this startling event, I began copying my correspondence with SLS to local, State and Federal Agencies to raise the concern that I was not being given consideration in a good-faith manner. In a effort to respond without further challenging their system, I have resubmitted a complete application for consideration in response to their request. I have been repeatedly told that while my home was in foreclosure, there was no sale date set which implied to me that they would await the submission of the new application to evaluate these potential programs before proceeding with any further action. Much to my surprise, ten days ago, I received a notification that my home was being auctioned off at XXXX on XXXX XXXX, 2015 which is ten days from this date. You can imagine how startled we were to being told that 15 years of memories are going to be stripped from us -- -family birthday parites, graduation celebrations, the passing of our beloved dog, XXXX , the highs and lows any family goes through. In a wink of an eye, we can be homeless at age XXXX, without anywhere to turn in spite of trying continuously being responsible citizens to seek a solution to a troubling situation. I have now reviewed SLS 's history on the internet and find others have had the similar fate!!!
Product: Debt collection

On XX/XX/XXXX, I was involved in a car accident ( No fault of mine ), and was taken by ambulance to XXXX Hospital. XXXX years later, I 'm receiving phone calls, letters for collection. I went to court, won the case, and all hospital bills, were paid, by my attorney, and my government health plan. The records have been archived, and I told the collection agency about the records, being archived, and they are asking for payment, when they 've been paid. The debt, was removed from my credit report, and was put back on XX/XX/XXXX. My credit scores, were in good standing, now they have dropped toa score I want removed and restore the previous scores. This company has violated the Fair Credit Collection Act, and I am thinking about suing this company for the aggravation and score reduction. Please have this removed, and I will pursue, taking action. Respectfully!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all 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

Since XX/XX/2019 I was in communication with XXXX XXXX, after cancelling my services, as to the final balance due. After a series on errors on their part, including but not limited to discrepancies as to when services ended, when equipment was actually returned, credits owed, etc. I made a final payment of {$580.00} in XXXX, only to be placed in Collections in XXXX for the full amount of {$780.00}. I alerted the FCC and eventually the NYS Attorney Generals office, in addition to TransUnion, after my credit score went from XXXX to XXXX. Now XXXX has also gone in and lowered my score an additional 8 points down to XXXX, which I also do not understand how your credit score can be lowered twice for the same item! 

In all my correspondence I have included copies of bills with errors highlighted, a letter from the XXXX Executive Relations office dated in XXXX stating my balance had been adjusted to {$590.00} and a copy from my banking institution showing my payment of {$580.00}. I can provide all necessary copies to your organization upon request, however XXXX, XXXX, the Atty General 's office and the FCC have copies as well.
Product: Debt collection

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt MIDLAND CREDIT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Account number - XXXX Date opened - XX/XX/XXXX Balance - {$1000.00} MIDLAND CREDIT MANAGEM XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Account number - XXXX Date opened - XX/XX/XXXX Balance - {$1100.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Account number - XXXX Date opened - XX/XX/XXXX Balance - {$710.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Account number - XXXX Date opened -XXXX XXXXXXXX, XXXX Balance - {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Account number - XXXX Date opened- XX/XX/XXXX Balance - {$620.00}
Product: Credit reporting or other personal consumer reports

I am in the process of purchasing a home and my XXXX XXXX account has the incorrect account number listed on my credit report. The original account # did end in XXXX but was canceled and a new account number was issued due to fraud and is now ending in XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XX/XX/year> XXXX XX/XX/year> Accounts : XXXX  XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to XXXX XXXX XXXX on XX/XX/2020 it was received by them via USPS on XX/XX/2020. No response was received. It has been longer than 30 days to validate this debt. No attempt was made to verify the debt and no collection details were given.
Product: Credit reporting or other personal consumer reports

What Happened ( Statement of Pertinent Facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) 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 , remove all fraudulent accounts and associated inquiries related to the opening of those accounts from my consumer credit report. 

The fraudulent accounts identified are as follows : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX In addition, I am a victim of the XXXX XXXX XXXX, which exposed my sensitive personal information and made me vulnerable to identity theft. These fraudulent accounts and inquiries are directly related to that breach. 

I have attached the following documents to support my case : FTC Identity Theft Affidavit XXXX Notarized Identity Affidavit, including a copy of my ID, Social Security Card, and Birth Certificate. 
Confirmation of the XXXX XXXX XXXX XXXX, detailing the exposure of my sensitive personal information. 

I do not recognize the aforementioned accounts or inquiries, nor did I authorize their creation. These fraudulent items are the result of identity theft and fraud linked to my compromised personal data.
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 state a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction 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: Debt collection

No statements no calls no nothing. This is on my credit from years ago and not once did even I received bill or notification or call about the debt. I had insurance on the times I was seen and no indication that I was going a bill. Can not get hold of the debt collector or the original party. I would like this off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX  Account Number : 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 consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

XX/XX/XXXX - Noon Problem : Both of my American Express Credit Cards were invalid at XXXX XXXX.   Action : Called American Express three ( 3 ) times - no solution, just three ( 3 ) hang ups by three ( 3 ) different individuals. Explanation : American Express wants me to get a letter from the Social Security Administration showing the social security numbers for my mother and I are different. Mother has been dead for nearly ten ( 10 ) years. We never shared a card. I asked why? This is weird! I asked that I be given a letter to bring to social security so that they know what to return to me. No good. Each of the three ( 3 ) reps hung-up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple inquiries on my report I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

this company is clearly and consciously violating my consumer rights in handling my disputes. please see my attachments and process them accordingly. The companies handling of my disputes are affecting my daily life severely as i can not do the things i need to do with the negative remarks on my consumer report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting ACT ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute. These failures align with experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the dispute accounts, as Experian inactions violates federal law and my right as a consumer.
Product: Credit card or prepaid card

American Express refuses to give me my {$1500.00}. They say the will but don't***** Below is the communication I have had with the company. 

XXXX XXXX  -- -As you can see in the attached American Express XXXX me {$1500.00} and has owed me these monies in Excess of more than 1 year. I know you have promised to credit my Credit Card by XXXX XX/XX/2023 in that amount. However, if I had owed you this amount of money you would have charged me more that 23 % in interest penalties. I believe in the old adage " what is good for the goose is good for the gander ''. I do believe that you owe me {$360.00}. Please credit my account for the additional funds. 


FROM XXXX  XX/XX/2023 - This message will be available until XXXX XXXX, 2023. You can print a copy for your records. 
Important account information Account Ending In : XXXX Dear XXXX XXXX XXXX, We wanted to make sure we followed up right away about your missing {$1500.00} refund check. Don't worry we made sure we placed a stop payment on it on XX/XX/2023, and then credited the funds back to your account. 
Thank you for giving us an opportunity to serve you. 
Sincerely, American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX THEY LIED AS THEY NEVER SENT A CHECK TO ME.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i informed XXXX that On or about XX/XX/XXXX I noticed some loans listed on my credit report that have been listed without my written consent. I have notified XXXX and they have denied taking these loans off of my report. According to 15 USC 1681, they should have removed these loans since they are inaccurate, disuputed by me, and have chosen to not respond in an appropriate manner. They have not. They instead sent me a letter stating that two of the identification peices were illeligible because they were to small in the photo. They are requesting enlarged photocopies that they could enlarge themselves. They are breaking the law and therefore causing personal harm and discrimination.
Product: Debt collection

I never received anything from this company, its false, definitely not me. Not sure if its a mistake but I have no knowledge of this company. Please remove immediately
Product: Credit reporting

The XXXX XXXX rental thats on my account were paid off.On the balance it show '' s balance {$0.00} not sure why its on my report??? you can call them anytime they will also tell you it was paid XXXX is the store phone number. that status says it was closed cause it was paid off all XXXX of them from same company
Product: Credit reporting or other personal consumer reports

This is my numerous requests to tell you 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX Balance Owed XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding XXXX XXXX applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has XXXX found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the XXXX  XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts. 

We are asking you to take immediate steps to : XXXX. Approve all outstanding XXXX XXXX applications for students who attended these institutions. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Credit card or prepaid card

barclays bank fraudulently opened a credit card in my name, when i requested them remove it, and contacted XXXX they responded that they would correct it, but all they did was close the account. i have been alerted by my monitoring service about the opening of a new account it dropped my score XXXX pts, now closing it cost me another XXXX pts, ( see attachments ) can tiu please help me. i want it REMOVED, not opened and closed.please
Product: Mortgage

i have a mortgage on my primary residence via suntrust mortgage, mortgage number XXXX. 

i have a hazard insurance policy via XXXX XXXX XXXX, policy number XXXX, with the servicing agent being : XXXX XXXX Licensed Sales Producer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX in XXXX, through no fault of my own, my local agent was 7 days late in renewing the hazard policy. 
it was re-instated within 1 week, and documentation provided to Suntrust. 

i continued to pay the XXXX XXXX XXXX and in fact the policy is up to date and paid in full, in advance, for the year XXXX and has been paid in full since XX/XX/XXXX. 

despite that, suntrust has mandated a 'forced-place '' insurance onto my escrow account, and are insisting that i pay an additional XXXX dollars per month into escrow. 

i have contacted suntrust multiple times, provided documentation of the up to date and fully paid hazard policy, however suntrust refuses to lift their forced place hazard insurance. 
i have several concerns : 1 ) first of all, i have already paid hazard insurance for XXXX, so where is the extra XXXX dollars per month that i have been paying since XX/XX/XXXX going? 
2 ) my hazard policy only costs XXXX per year, so why i am i being charged an additional XXXX per year by suntrust? where is all the extra money going?
Product: Credit reporting or other personal consumer reports

I disputed unverified and unauthorized accounts and provided proof for these accounts that arent supposed to be on my report. Then Transunion gives me Not Specified Results which means nothing and the accounts continue to report on my credit which is damaging my credit and keeping me from providing a living for myself due to being denied for everything from these accounts negatively impacting my credit score, Im not able to find a place to live and I m not able to get a bank account or credit cards because of this. Please assist me in any way you can.