23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PH # XXXX My husband XXXX XXXX purchased a property on XX/XX/2010. Two years later my husband XXXX XXXX due to a XXXX XXXX XXXX. When my husband XXXX XXXX I notified the mortgage company of his XXXX, they tols me that as long as i make the mortgage payments i can being that the mortgage was under my husbands name. Because of my husband XXXX went into a financial hardship. My husband was the head of household and he paid all the bills. I fell behind on mortgage payments and XXXX asked me to fill out re modification papers but at that point I did not want to continue to live in XXXX. That is when the property went under foreclosure. The address to this property is XXXX XXXX XXXX XXXX XXXX  XXXX. I have tried to contact the XXXX several times and most of the time I get the run around. I need your help I feel as this is injustice. I was not responsible for this mortgage. This house was sold last year for the amount that was owed, but they still will not communicate with me. I ask for your to please remove this XXXX loan from all the credit bureaus. I have attached documents that prove that I was not responsible for this loan.
Product: Credit card or prepaid card

On XX/XX/2020, I reported a fraudulent charge to Chase on my credit card, ( XXXX Chase Freedom Unlimited ), in the amount of {$150.00}. 

On XX/XX/2020 I received a letter in my Chase account, stating that I " received a benefit from this transaction '' and that I can see the balance on my statement for the fraudulent charge on my account in the next one or two billing cycles. 

On XX/XX/2020, after receiving the letter from Chase, I contacted the company ( XXXX ) to which the charge was made. A representative from XXXX informed me that they refunded the amount charged to my card ( email attached ). However, my credit card statement still shows the {$150.00} charge. 

On XX/XX/2020, after trying to go through Chase Fraud Recovery services, I received a subsequent letter stating that they confirmed the charges were " valid ''.

I'd like to speak to someone regarding this as 1 ) the letters received do not detail why Chase thinks I received a benefit ( I did not, as the charge was fraudulent and I did not make it ), and 2 ) the process of appealing the findings of the investigation. 

When I found out ( the day of the charge ) that there was a fraudulent charge on my account, I immediately reported it to Chase. I am stunned at the letter/disposition I received. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see below inquiries : INQUIRY Cap XXXX XX/XX/XXXX INQUIRY Us Small Bus Administration/XXXX XXXX, XXXX INQUIRY XXXX XXXX, XXXX I am hereby notifying you that neither on that or those dates similar did I authorize any individual from listed to pull or review my consumer report. Additionally, I have not given permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this informationplease remove the abovementioned inquiries within 15 days of receiving this letter. It is your duty to accurately report this information and as of now you are not doing that. I look forward to the credit reporting ageny resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.
Product: Checking or savings account

I was scammed by a XXXX buyer on XX/XX/2023 wanting to purchase a hand bag from me the Seller. I emailed XXXX at XXXX to get instruction on how to assist the buyer to purchase the hand bag because XXXX ( buyer ) payment was not going through. A XXXX Customer Care Team Person sent me her picture ID and text men the info I needed. I was told I needed to have {$200.00} in my XXXX account for the transaction to go through. I sent the {$200.00} from my Navy Federal account through XXXX ( all information will be sent in attachment ). The hand bag is a XXXX listed at {$750.00}. I received another email from the XXXX XXXX Customer Care Team ( she sent picture ID. Attached ) that I need to put another {$250.00} in my Poshmark account and I did via XXXX with a note on both transactions that the money was for XXXX XXXX Member ( to make sure it go to my account. 
I reach out to Navy Federal yesterday XX/XX/XXXX and XX/XX/XXXX that I was scammed after I didn't hear from XXXX after I sent the money twice I figured it was a scammed. I emailed XXXX XXXX several times and no responds. I spoke to a Navy Federal reprehensive again today around XXXX and explain to her what happen. She read the policies for scam refunds and she said my scam situation should qualify for a refund. Also, Navy FederalXXXX didn't give me the option to hold the second payment of {$250.00} until the next day. I also I talk with a supervisor regarding what the 1st Navy Federal Rep that I fall under XXXX  guidelines to receive my money back because I though I was dealing with company employees. The supervisor said she gave me the wrong information. 
I used correct emails, etc. I am real sure that XXXX have employee workers and I know for a fact a buyer scammers that work direct in their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB allowed Experian to closed dispute number XXXX as a " duplicate '' which is far from the truth. 

Experian 's complete and utter failure to make the corrections previously reported, does not make this dispute duplicative. It makes is a violation under the Fair Credit Reporting Act. 

Marking this has duplicative ignores the rights under FCRA including but not limited to : The right to dispute incomplete or inaccurate information Experian must correct or delete inaccurate, incomplete, or unverifiable information It is not optional. Experian must make the corrections and they have had more than ample time to make the corrections. They have failed to do so. 

XXXX XXXX XXXXXXXX
Product: Mortgage

Dispute -case number XXXX I have contacted DiTech/XXXX the representative XXXX XXXX, XXXX. She asked me to forward a letter stating I did not receive XXXX Loan Modifications ( According to XXXX XXXX XXXX -XXXX and XXXX XXXX XXXX XXXX XXXX ) . I was told by her to fax a letter indicating that I did not receive the loan modifications. Also, I asked if audio recording can be pulled to listen to the recording on specific dates and times that I called Green Tree and XXXX XXXX XXXX. The recorded lines will indicate the conversation held by a representative and myself regarding any Loan Modification ; especially when my loan was bought by XXXX XXXX XXXX from XXXX. I explained to XXXX ( DiTech ) XXXX did give me a Losn Modification.. I never received an opportunity to make the first trial payment due the fact XXXX XXXX XXXX purchased my loan. 
I have the date, time and name of the representative that refused to honor the loan Modification from XXXX. ( XXXX the way, I did not sign any consent to have my loan purchased from XXXX investor/services to another ) I am requesting the original PROMISSARY NOTE and original documents from all XXXX banks/investors/servicers. 
I have the documents XXXX forwarded to me. DiTech nor Green Tree has not sent any documents. This foreclosure was first initiated by XXXX XXXX XXXX. 
***What link do so use to upload documents? DiTech XXXX XXXX forwarded a document regarding a decision being made as to the letter I wrote stating I did not receive XXXX Loan Modifications by XXXX/XXXX/XXXX. 
My intent is to remain in my home. I just want justice and fairness.
Product: Debt collection

Approx. a year ago I received a call from Resurgent Capital Services concerning a credit card debt. that I had reported as fraud XXXX years earlier. I explained to resurgent that this debt was not mine. Several accounts had been opened under my name and I contacted the cred it card company and they closed those accounts and I never heard from them again. 

In XXXX of XXXX I was checking my credit report and saw that Resurgent Capital Services has added that debt to my credit report. I filed a dispute with the credit reporting agency that the debt was not mine. On XX/XX/XXXX I received a letter from Resurgent wanting me to file out a theft report and attach a police report concerning the credit card fraud from XXXX. I researched my options and wrote Resurgent a letter requiring them to follow the FDCPA, XXXX XXXX XXXX XXXX XXXX XXXX ), and the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX laws and to send me the proof the debt is mine. Including proof of the original contract with my signature, account numbers, and an itemized list of the debt. As by law, I gave them XXXX  days to do this and if they could not, they were to remove this debt from my credit report and not contact me again. ( I have attached the letter I sent with a copy of the certified letter receipt ) On XX/XX/XXXX I received a letter from Resurgent Capital Services in response to my letter with another theft form to fill out and a copy of the credit card debt cover letter. No information other then that. No signed contract, no itemization of the debt. ( I have attached that copy ) On XX/XX/XXXX I received another letter from Resurgent with the same information. Still nothing I requested and what is required by XXXX and XXXX XXXX XXXX. ( I've attached that as well ) On XX/XX/XXXX, Resurgent 's XXXX  days were up to provide me with the required by law information I requested. I checked my credit report and Resurgent Capital Services is still on all XXXX of my credit reporting agencies. XXXX, XXXX, and XXXX. I also received a email today from a new collection agency, XXXX XXXX XXXX, trying to collect the debt for XXXX! ( That email is attached ) Resurgent Capital Services is a collection company that buy 's debt from other companies, then tries to come after people for that debt and they do not investigate if that is truly the person debt or not. I have tried the legal way and they continue to try collecting this debt and are affecting my credit in the process.
Product: Mortgage

I have checked my status of an earlier complaint. Wells fargo states they have been unable to contact me regarding complaint number XXXX. I am currently talking with wells Fargo to yet again try to modify. Yet, now it's been so long since 2019 when I first tried to modify. I have been buried by financially by unlawful charges, and a high interest rate now. If you look at their response to the complaint number. They say they are unable to contact me. Funny when I'm currently talk with their mortgage assistance officer weekly. I want thier lies noted. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my second endeavors 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 XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXXXXXX XXXX Balance : {$0.00} - tied up XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted : XXXX XXXX XXXX - XXXX DISPUTE LETTERS TRANSUNION LLC - XXXX DISPUTE LETTERS XXXX - XXXX DISPUTE LETTERS XXXX - XXXX DISPUTE LETTERS I WOULD FIRST LIKE TO STATE THAT XXXX XXXX XXXX, TRANSUNION, AND XXXX ARE FALSELY REPORTING THIS ACCOUNT! I HAVE ASKED FOR THE ORIGINAL INSTRAMENT OF INDEBTINESS ( PER THE REQUIREMENT OF THE FAIR CREDIT REPORTING ACT ) FROM THESE COMPANIES TOTALING 19 TIMES WITH 4 DIFFERENT COMPANIES, WITH NO AVAIL! THE FAIR CREDIT REPORTING ACT STATES THAT " ALL INFORMATION THAT IS PRESENTED ON CREDIT REPORTS MUST BE 100 % ACCURATE AND THE COMPANY REPORTING SAID INFORMATION MUST HAVE THE ORIGINAL INSTRAMENT OF INDEBTINESS. NONE OF THESE FOUR COMPANIES HAVE PRODUCED A SIGNED DOCUMENT, AUDIO, OR VIDEO OF ME, TAKING ANY OWNERSHIP OF THIS FAKE ACCOUNT! XXXX AND TRANSUNION KEEP STATING THAT THIS IS VERIFIED AND MEETS F.C.R.A, BUT THEY ARE LYING! HOW DID THEY VERIFY IT? XXXX HAS REMOVED THIS FALSE ACCOUNT BECAUSE THEY COULD NOT VERIFY THAT IT BELONGS TO ME! I HAVE PROVIDED PROOF. I HAVE NO AGREEMENT OR CONTRACT WITH XXXX XXXX XXXX, YET THIS IS BEING REPORTED ON MY CREDIT REPORT ILLEGALLY! THIS IS A VIOLATION OF THE F.C.R.A!
Product: Mortgage

I applied for a refinance of my mortgage with the same company that was holding my current mortgage, Rocket Mortgage. Six days after the closing the loan ( well past my 72 hours to recend the refinance ) Rocket discovered additional costs that they felt need to be added to my payoff. I received a phone call after three in the afternoon and was told I had a few hours to pay the additional cost or my existing loan wound not be paid off. The additional costs amounted to just under {$1200.00}. 

Appearantly I had 72 hours after closing to terminate the refinance but the mortagee had an indeffinate time to cancel the agreement.
Product: Checking or savings account

I was contacted through XXXX  app regarding work at XXXX XXXX XXXX  position .I was requested to download the XXXX app because that what job requested for communication, a check was sent for XXXX but wont be clear until XX/XX/XXXX XXXX.Than on XX/XX/2018 for XXXX and I deposit to my bank acc that same day to me so I could purchase XXXX gift card and send pictures of the gift cards that will purchase the system I will need I connected to hangout regarding this and they to speak to supervisor and they reassured its common practice so I did what I was told too.But than by XX/XX/2018 my bank account was close because XXXX check didn't clear out and now I had pay the money back to the bank.I call back the supervisor phone number no response than contacted on XXXX I was block that's when I knew it was all fraud.
Product: Credit card or prepaid card

Ok I try using my cash app card kept saying exceeded my limit I never got cash this particular day XX/XX/2021 so I tried to contact support services got someone supposed to reset my limit so I can use card but soon as I try using card all my money XXXX was zapped
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the creditor Capital One has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B : A creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I got an alert on my credit report saying I had collection accounts effecting my credit score. There were 3 accounts with a total of about 65k. So I did some investigating and found the company XXXX XXXX as the collection company. They listed the original lender as XXXX XXXX ( which does not do student loan lending ) but my credit report has XXXX XXXX XXXX as the original creditor. So I disputed this info on all 3 reporting agency reports. XXXX, XXXX and TransUnion all returned saying the accts were accurate. So after hearing this I reached out to XXXX and requested the original loan docs for my 3 accts that they were reporting for me. As of today XX/XX/XXXX they have failed to provide any type of proper documentation to show proof that the acts were mine. No loan docs, no promissory note, or any type of paperwork showing my signature or date. I also tried to contact XXXX XXXX XXXX but they aren't a real company, and XXXXXXXX XXXX does not do student loans. I explained this to XXXX, XXXX and TransUnion but they would not remove the collections from my report. How are these companies able to reflect false information on my credit report while the " reporting agencies '' willingly accept the info without proper documentation? If proper documentation is not available to show proof that I own these accts then they should not be on my credit report.
Product: Vehicle loan or lease

The XXXX lady tried to stuff 2 products on me! A former finance XXXX and mark up 2pts on me! Soon to be charge back after I refi in 20 days! That 's bad business! One thing I never did! Stuffing customers and not actually selling the products! Worse experience ever!!! Know your personnel! And your customers XXXX XXXX was the finance Mgr XXXX XXXX
Product: Debt collection

I was unable to select my true issue in the options provided. 
My student loan has entered default in XX/XX/2019 I have tried to contact the collection agency to make payments FOR MONTHS I will wait on the line for HOURS and can not get through I have read several reviews on XXXX from other consumers stating the same issue I just want to reinstate a payment plan for rehabilitation of the loan! 
Please advise!
Product: Debt collection

I have several accounts abused by identity XXXX of which are XXXX  XXXX, which I have paid one off almost {$1000.00}. The second I've paid {$600.00} into it and {$360.00} till its paid. I have tried disputing these several times and they keep sending me back letters saying they are legit. Accounts they are in collections they are most definitely not mine. I called a few years ago aswell and told them I had NO accounts at that time, yet they still did nothing.. I have been dealing with this for years and it has hurt my credit, my family and financial life so much. How someone can just take so much and they do nothing
Product: Credit reporting

This is not a duplicate dispute : I filed a proper dispute with Equifax about XXXX ( XXXX ) reported judgments that were never recorded. My credit report is allowed to show ONLY " Judgments of Record. '' I originally disputed these XXXX ( XXXX ) judgments with Equifax on XXXX XXXX, 2015. My dispute results are dated XXXX/XXXX/15 where Equifax states that the results for the judgments have been updated to " Satisfied/Released '' for both. I filed a second dispute with Equifax on XXXX/XXXX/15 through the CFPB stating that I was not satisfied with Equifax 's initial investigation into my case and I would like a re-investigation to be done. My second dispute results done through the CFPB where dated XXXX/XXXX/15 and where stated as follows : XXXX judgment Status - " Pending ; Satisfied '' and the other judgment Status - " Satisfied ''. The results were changed from the original dispute. But not removed from my credit file. 
I have checked with my XXXX County Texas Clerk of Courts office, as well as checked the recorded instruments myself, and there are NO RECORDED JUDGMENTS that exist for me. In my dispute letter, I asked Equifax to provide a Method of Verification if somehow they verified any existence of recorded judgments for me. I received no Method of Verification, and also the Clerk of Court has in no way verified the " existence '' of a recorded document. Therefor, I have gone to the XXXX County Texas clerks office my self and have acquired the proper paperwork as proof stating, signed and stamped with signatures a record search was done by the clerks office for me on XXXX/XXXX/15 with " no judgments '' of any kind found associated in my name. The record search paperwork from the Clerk office is attached. 

It is clear that Equifax has in no way properly investigated this matter within three ( 3 ) short days that it took to read my dispute letter and update my credit file with incorrect information. 

Please note, The XXXX County Texas Clerk of Circuit Court records, indexes and permanently stores ALL recorded judgments with real estate records ( land, deeds, etc. ) for XXXX County Texas. Attached is a printout of the public records system that XXXX County Texas uses to record these documents. Note that this is NOT a list of case files, but actual public records with recorded instrument numbers. 

I have also included the website link to the XXXX County Texas website which shows that this website can be used to search XXXX County Texas public records ( collincountytx.gov ) and is a valid source to find these documents. This list shows all of the public records that exist in my name in XXXX County Texas, none of which are these XXXX ( XXXX ) judgments being reported in my credit file. I have also included the letter originally sent to Equifax with the original disputed judgments listed. Please have these XXXX ( XXXX ) judgments removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 



XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$25000.00}