23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

i did a refinance on my home in XX/XX/2018. The loan was sold to PHH Mortgage and in XX/XX/XXXX i was notified that the flood maps were redone and i was now in a flood zone. i tried to explain to them that my property was not in a flood and they suggested i apply for a XXXX Letter from FEMA. During the process PHH Mortgage forced lender flood insurance on my account with a premium of {$1600.00} and did an escrow analysis and raised my fixed payment from XXXX to XXXX. I have made several attempts to contact them and fix the problem and keep getting the run around. In XX/XX/XXXX they sold my loan to XXXX XXXX without fixing the problem so now i'm dealing with trying to have XXXX go back and fix the problem and since then i have received my XXXX Letter stating I am not in a flood zone and have uploaded the documents to their system om XX/XX/XXXX and still today it has not been adjusted. i feel like i'm getting the run around from not only PHH but also XXXX XXXX  which is why I am making a consumer complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my purse stolen in XXXX of 2017. I have all of my credit cards set up with automatic payments. It took me some time to go to my credit union and get the account changed since I was out of the country. One of the automatic payments for my Capital One credit card shows as being missed and that is not accurate. I called Capital one to tell them what happened, they told me over the phone that I would not be affected and I gave them the updated bank information and got caught up with my account. I did not miss any payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted Experian about an account that was fraudulently opened in my name. Experian suggested I file the proper report, and send them the information as soon as possible. This account is a couple years old, its been taken off, resubmitted and I've been personally disputing this account month after because of the blatant inaccuracies and falsified information. I most recently filed an identity theft report with the FTC about the company, XXXX XXXX XXXX. 
Today, XX/XX/2022, I received and email from Experian updating about the dispute. 
In the email, Experian stated : We are responding to your request that information in your personal credit report be blocked due to identity theft. Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. Therefore, we are declining your request to block one or more of the items of information. If you have additional relevant information that indicates that the disputed item ( s ) resulted from identity theft, please contact us again and provide this information. If you still believe the disputed item ( s ) is inaccurate, then we will add a statement of continued dispute to the credit report at your request. 

I understand the consumer reporting agency can refuse or cancel a request for a block if, for example, you dont provide the necessary documentation, or where the block results from an error or a material misrepresentation of fact made by you. 

Material misrepresentation is the act of intentional hiding or fabrication of a material fact which, if known to the other party, could have terminated, or significantly altered the basis of, a contract, deal, or transaction. 

Furnishing and reporting inaccurate information is against the law. Supplying credit information on an account where identity theft was previously reported is in direct violation of the FCRA. 

Neither one of the reasoning 's is attributed in defense to denying this falsified information to be reported. I am a victim of Identity Theft. I filed a report, and sent the documents. I wasn't knowledgeable of this account until after the negative effects had already posted to my report. Every since I educated myself on how to dispute the information, I've done so. After I reached out to the company, they couldn't supply me with documents bearing my wet signature. There is also inaccurate information used to open this account that has never belonged to me. The negligence by Experian is clearly a direct violation of my consumer rights. What authority do you have to say that I am not a victim and that this account is indeed mine?
Product: Debt collection

Upon trying to obtain credit I was notified of a collection account for {$180.00} on my credit report placed by Franklin Collection Service Inc. When I inquired with them who the creditor was they told me it was for XXXX service through XXXX. As I inquired further, I learned it was for a rental property I own in XXXX XXXX, NC ( I live in XXXX ). The internet ( through XXXX ) was in my name personally for several years. The bill was paid through an auto draft on my bank account. Then, last year a long term tenant moved in & got utilities in his name so I discontinued the XXXX service. The bill had been drafted and I received no further notifications from XXXX so I assumed all balances had been paid. I received NOTHING from XXXX. When I contacted them after finding out about the collection they placed they claimed they sent notifications to XXXX XXXX XXXX XXXX ( which is the address of the rental property ). I asked them to send me copies of letters they sent and never received anything. The tenant living in the home now is a doctor & is very diligent about forwarding anything he receives to me. The only item I believe was ever sent was a collection letter from Franklin collection dated XXXX/XXXX/2016 which was many months after the collection had been placed on my credit report. I am XXXX and have never had a derogatory item on my credit in over 27 years. I 've been in the XXXX over 25 years so I know the value & importance of maintaining a good credit history. This erroneously placed collection has dropped my credit scores from XXXX to XXXX points. In looking to refinance my home the damage this collection has done to my credit scores is going to force me to pay a rate that is .375 % to .5 % higher than my previously sterling credit would have gotten. I 've contacted Franklin Collection & XXXX on numerous occasions to straighten this issue out and all my pleas have fallen on deaf ears. My last communication with XXXX was on XXXX. After being transferred numerous times I finally spoke with a gentleman named XXXX XXXX. I told him I was happy to pay the balance they said I owed but I wanted this collection account DELETED from my credit not just marked paid in full since showing paid in full does n't restore my scores. XXXX XXXX assured me that if I paid the account in full he would send notes to Franklin Collection to remove the collection from my credit with XXXX, XXXX, & XXXX ( the XXXX credit bureaus ). I paid the {$180.00} and waited a few weeks to check my credit again. When I checked my credit I found out he did n't do what he said he would do. The collection showed as paid & 'consumer disputes account '. However, my credit scores remained unchanged since the collection was n't removed. My only goal is to get XXXX and Franklin Collection to do the right thing and removed this account from my credit history as they said they would do. Thank you so much for your help in getting this resolved. The account number used to file the collection is XXXX if this helps in finding the account in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off to XXXX on XXXX XXXX, XXXX. I told XXXX to do a full XXXX on the accounts I have listed below. I have also attached the letter I sent out and here is the tracking # XXXX XXXX XXXX XXXX XXXX is the response letter they sent me to respond to my letter. I ask XXXX to FULLY INVESTIGATE, and I also ask them to tell me the METHOD OF VERIFICATION of the Investigation, as well as I asked for a updated copy of my credit report. In which I never received. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, and US Department of Edu XX/XX/XXXX, has violated my rights. 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 a consumer reporting agency can not furnish a account without my written instructions. 
Also as i was reading the FCRA and noticed they violated these laws as well 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) They stated that these account were verified but how is it possible if they didn't do a proper investigation according to the law. FRCA 15 USC 1681 everything has to be 100 % accurate.
Product: Prepaid card

I had first called American Express Gift Card support ( XXXX ) on XX/XX/2023 that the virtual prepaid gift card I had added to my mobile wallet ( XXXXXXXX XXXX  ) was being declined in-store using tap-to-pay. I had previously done this before at many merchants. I tried at some stores I had never used it at before ( XXXX, XXXX 's ). The purchases were declined even though the card still had more than sufficient balance to cover the charges. I then proceeded to go to merchant locations where it had worked before. For example, the card now has {$18.00} of balance left, so I attempted to make a {$5.00} purchase at XXXX XXXX 's. It was declined. I attempted the same thing at a XXXX, to which it was declined. 

The support agent on the line told me that I could no longer use it in XXXX XXXX as it was " blocked '' and to either use an online merchant or a different mobile wallet, such as XXXX XXXX which isn't available on my phone. I mentioned to the agent that my phone is not a XXXX and does not support that app, and she kept pressing me that I can download it and use it. We hung up, and I verified that I can not use XXXX XXXX on my phone. 

On XX/XX/XXXX, I attempted to make a {$18.00} purchase on XXXX with the card. XXXX says that the transaction could not be processed and to verify payment info. I reverified it and again the payment was declined. I then called American Express Gift Card Support ( XXXX ) on XX/XX/XXXX to see I could address the issue. As the agent picked up, I could hear children crying in the background and a rooster howling. The agent told me that my prepaid gift card was verified and activated. I was told I can't use it on XXXX, and that I could I use it in my mobile wallet ( XXXX XXXX  ) again. I attempted to use it again in-store using the tap-to-pay function of XXXX XXXX and the card was declined.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX is a debt-buying collection agency currently harassing me about an alleged debt. Their latest tactics include threatening legal action against me, which is a violation of the FDCPA. They have never validated this debt in any way and in no way is my filing a complaint an admission of this alleged debt owed. Since this debt-buying collection agency sent me a document via XXXX XXXX XXXX threatening legal action against me, I can only assume that they are also the same agency that repeatedly calls my home and cell numbers from multiple " spoof '' numbers, documented by my home phone company and wireless phone company.
Product: Debt collection

The first collection requst was from XXXX XXXX for TV service in XXXX XXXX about a year ago. 
I disputed it and explained them that I never lived in Nevada and I did not receive any service from them. 
They removed it from the credit report. 
Now CREDIT MANAGEMENT LP revived it on behalf of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. XXXXm requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Product: Credit card or prepaid card

My credit card was declined and no reason given. I contacted the company. They advised me that nothing was wrong with my credit card account, and that I should try again. I did so and was again declined. I contacted the company again and they said, well actually we don't service that account anymore. " We transferred it to XXXX XXXX. '' They advised me to call XXXX XXXX I did so and was told that they don't have an account that was transferred. I have called several times. Now Chase insists that I never had an account with them. I saved one of my statements and will attach it here.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/1973 SS # XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX GA XXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report.

Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA section 605B is very cleaner on how a CRA is supposed to act. 
Chex systems very specifically is breaking the law, on how identity theft reports are supposed to be formatted. The FTC has a specific form for identity theft that is compiled on identity theft laws. 
Chex systems feels they can add new items that the identity theft forms must contain, ie. signed manually and not electronically. 
I specifically went to the XXXX County sheriff 's department and their clerk certified, notarized and signed the police report that I had gotten from the FTC. This did not suffice and so I sent in the signature of the woman that is the head of the identity theft unit. This still did not suffice. Me the victim has to do more work because they rewrite Congress 's laws illegally and then I have to perform more duties.

I now had the senior deputy of the sheriff 's department of XXXX County and he signed it and put his badge number and his phone number on my police report and I am including that in this filing. Check systems needs to be stopped because they are making the victum more of a victim because of their unlawful and the illegal changing of the law and their policies. They have to have their policies comply with the law not change the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formerly, I made an investigation regarding some items with inaccurate information and after checking your response I recognized that some items are still incorrect, with a confirmed status. Please correct the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX BankruptcyXXXX XXXX BankruptcyXXXX XXXX BankruptcyXXXX XXXX BankruptcyXXXX XXXX BankruptcyXXXX XXXXXXXX BankruptcyXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Print https : //portal.consumerfinance.govXXXX XXXX XXXX XXXX XXXX Dispute Letter- XXXX ( XXXX KB ) XXXX XXXX Dispute Letter- XXXX XXXX XXXX KB ) XXXX XXXX-Equifax- Dispute Letter- XXXX ( XXXX KB ) XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

To whom it XXXX concern, I have been a Cardmember of Costco Citi Bank XXXX ending in XXXX since XXXX. Throughout the XXXX years that I have been using this card I have always made ALL of my payments on time. 
On XX/XX/XXXX, of XXXX I received an update coming from the bank that exclaimed that my credit limit had been lowered due to my XXXX XXXX not being high enough. 
Due to this action taken by Citi Bank my overall XXXX XXXX was negatively affected ; Therefore, having been a loyal client by abiding to our contract during the XXXX years, I find this measure to be unfair by having negative repercussions on my XXXX XXXX, and affecting my overall status with every bank that I am a client of. 

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

TRANSUNION file Number : XXXX XX/XX/21 has error on XXXX XXXX XXXX XXXX CA XXXX with no APT number on the same report the right address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Debt collection

We have learned that JPMC acquired the banks but it was not a " Merger '' so therefore this was not a Financial Qualified Contract. When WAMU collapsed, JPMorgan Chase became the servicer. When we made queries about the new owner, JPMorgan Chase claimed that they purchased the loan however they did not provide verification. They sued us and said they sold the mortgage to XXXX XXXX, who we found out was another debt collector. We wrote to them to verify some information and the collusion and fraudulent documents continued. XXXX then flipped it to another subsidiary of their company. When we called the FDIC and the XXXX, they XXXX referred us to CFPB because this is all debt collection. Additionally, we learned that Washington Mutual Bank XXXX ceased to exist XXXX XXXX, 2005 however our mortgage was made in XXXX 2005. Our daughter worked for WAMU and Chase and she continued to make these mortgages and no one ever told her that the company was no longer in existence. Please see our attached report
Product: Mortgage

In 2012, I filed for bankruptcy. Do to a hardship, I applied for a loan modification on my home with Wells Fargo Bank. After months of repeated document exchanges and getting them notorized, I was given a 3 month trial payment plan. During initial application of loan, I submitted a letter with information from the XXXX Bankruptcy court in which they stated that they were not interested in home loans and should be between the lender and borrower. The court would become involved if mortgage increased. The modification was approved, but after making my first modified payment the modification was withdrawn due to no court approval. The attorney in my case verified the courts position.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXXDebt Final Rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

I called Procollect Inc. and requested any contract or document I entered into with them and they did not provide it to me. They will not be able to provide it to me or anyone, because I did not enter into a contract with them. This was approximately one month ago. I am not liable for any debt to the company they claim I owe it to, as we disputed the claimed amount of {$90.00}. They wouldn't even provide any documentation from XXXX XXXX XXXX XXXX. This is honestly a scam and they shouldn't be allowed to scar your credit like this.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX  days! These fraudulent accounts are not only damaging my credit but also causing me significant XXXX XXXX XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Product: Money transfer, virtual currency, or money service

Identity theft or some other transfer problem and defamatory statements, blacklisted blocked persecuted ilegally retaliated Asked for investigations ... .many witnesses .... 

My paycheck is not coming in, fully paid, trusted funds .... 

And also my credit card ... no proper credit line and frauds not reimbursed...
Product: Credit reporting, credit repair services, or other personal consumer reports

Outsource Receivables # XXXX is reporting a collection on my account that does not belong to me. I have not gone to any medical recently and not during the time that this is reporting, nor did I get anything sent to me indicating this could be mine. I do not owe this debt, the collection is not mine.