23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I separated in XXXX 2014. We have a XXXX mortgage with Greentree XXXX. My husband did not / is not helping me financially with any of the bills we had. I contacted Greentree and requested forms to apply for a modification based on XXXX income XXXX mine ). They wanted the divorce decree. I had n't filed for divorce at that point due to the financial state I was in. I was granted a quit claim deed and my husband signed off on the house. My XXXX mortgage company XXXX XXXX XXXX quickly issued me a modification based on XXXX income. Greentree would not accept the quit claim deed and wanted my husbands financial information. I explained to them he does n't live there anymore and will not provide me with his income or expenses. He then was out of work with absolutely no income from mid XXXX thru late XXXX. I have tried to provide everything and anything to Greentree to request assistance with paying my XXXX mortgage and they refuse to do anything until I provide a divorce decree. I have filed but am in the 90 day waiting period that PA has for divorces. I receive telephone calls on my cell phone, and at work, at the minimum of XXXX to XXXX times a day. I always get the same person ( XXXX XXXX and she is very nasty and likes to remind me that I am a mother and need to keep a roof over my sons head so I need to pay my bills and she is a single mother and manages to do it, why cant I? I have blocked every number possible but they still get thru and leave numerous messages on both my cell and work voicemails. I am current with my XXXX mortgage and certainly do n't want to lose my house over a {$14000.00} loan that I can repay with a little assistance. They refuse to work with me and harass me every day of the week.
Product: Credit reporting or other personal consumer reports

My multiple efforts to resolve the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have significantly disrupted my life, causing substantial stress. I must emphasize that I never authorized this information 's association with my name, as I am an identity theft victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies are reporting fraudulently opened accounts under my name and are tarnishing my credit report. The first account is XXXX XXXX XXXX which was opened fraudulently on XX/XX/XXXX. The Second fraudulently opened account is XXXX  XXXX  opened on XX/XX/XXXX and the third fraudulent account opened without my consent or permission is XXXX XXXX XXXX opened on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about XXXX credit bureau I have disputed credit acceptance for this reason my online account says {$5.00}, XXXX for remaining balance the initial balance {$12000.00} my credit report my credit report says {$4400.00} the original balance says {$8200.00} when my online account says XXXX and it's only 46 % paid off that is totally incorrect I am asking for a XXXX I want this removed XXXX did not verify they could not have verified and I have read they have violated a lot class action lawsuit recently I got very well educated the last few days on this I also read that study found one in four had had one or more errors under credit report during 2020 I am really upset about this this is affected me a lot I spend all of my time researching and trying to fight for what is right I disputed with student loans also I am on the income driven plan if they would have verified correctly that would have got fixed the late payments I feel they should be held accountable for that that is unprofessional and very unethical I have disputed with credit acceptance a couple of different times it always comes back shortly after verified it's going to remain that is so unfair and I'm asking for a XXXX I am XXXX XXXX XXXX with a lot of health issues credit acceptance is taking me through the mud I even seen on my inquiries they're inquiring on my credit too that is credit slander and XXXX doesn't see that? That's scary but I am firmly asking for a XXXX I fight when I know that I am right I paid over {$8000.00} for that car there is no way I should still pay {$8000.00} as well over the XXXX XXXX XXXX XXXX XXXX  on the high side is XXXX that's an excellent condition and that car is not an excellent condition but they both violated the Fair credit reporting act big time I'm also going to contact the Federal trade commission and the state regulator something's got to be done about this I don't think it's fair that that repossession stays on my credit when they violated the Fair credit reporting act I can not stress that firmly enough I'm going to attach my proof
Product: Mortgage

My wife and I purchased a condo from XXXX XXXX in XXXX in XXXX of XXXX. Representations were made about the future development in the area that were false. They also steered us as first-time homebuyers to use XXXX Mortgage, their mortgage arm. They set us up with a 1st mortgage at 67 % of sale price, a home equity loan at 28 % of sale price, and a 5 % downpayment. There was also a XXXX buydown program on the 1st mortgage if we used XXXX Mortgage. At that time, we never should have been qualified or presented with this unusual arrangement. In XXXX XXXX, my family had to relocate for work XXXX, leaving our condo in XXXX XXXX for rental with great hesitation. We refinanced the 1st mortgage with Chase XXXX XXXX XXXX XXXX under the XXXX program, but have not been able to get any additional assistance in the past 3 years from Chase or XXXX, which has created long-term stress for my family and an inability to settle permanently XXXX. Our property is approximately {$85000.00} underwater and about {$130000.00} below original sales price. The qualifications required for assistance are extremely unfair to families that are current on payments and due to work ethic have continued to do well in their careers, making income qualification ratios unfavorable for assistance. Our issue is first and foremost with XXXX mortgage, which is now defunct, followed by both Chase and XXXX XXXX XXXX for very opaque processes for assistance. We believe the refinance in XXXX was done improperly and presented as part of the XXXX program, when it may have been just a standard refinance, trying to relieve Chase of any future liability with the original XXXX mortgage.
Product: Payday loan, title loan, or personal loan

Today, XX/XX/19, a XXXX XXXX rip off scam company called me about a loan request I had made that they found online. They told me I was approved for $ XXXX {$10000.00} and I said I only needed the minimum amount of {$2000.00} which they then told me would be a fixed {$180.00} taken out of my account every month. I trusted that this was who they said they were and didnt realize until later that XXXX  XXXX doesnt actually give loans but sets you up with a lender instead. I gave these people my personal information and bank information but told them I wanted to opt out of the whole program. I told them that over the phone and through an email. I have both emails they sent me. I canceled my debit card since they asked for that information too and am not sure if I need to cancel my bank account. I am scared since my paycheck gets deposited twice a month and my taxes are getting deposited soon as well. I have the phone number they called me from as well : # XXXX Attached is the loan agreement they sent me and their emails with my replies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent in a letter to all 3 major credit bureaus ; XXXX, TransUnion, and XXXX. I sent the letters XXXX Mail with tracking # XXXX XXXX, XXXX, and XXXX to dispute a bankruptcy being reported on my credit report as XXXX XXXX XXXX XXXX  XXXX, with filing # XXXX filed on XX/XX/XXXX. All XXXX bureaus returned letters stating that they did an investigation and verified the bankruptcy as accurate and complete. They cited XXXX and LCI Consumer Center as the companies that verified the information. 

On XX/XX/XXXX I also sent a letter to the XXXX XXXX  XXXX XXXX  XXXX XXXX. I sent this letter XXXX Mail with tracking # XXXX. I asked the clerk of court if they report bankruptcy information to the credit bureaus. They sent me a letter stating that they do not report or verify any information to the credit bureaus or any XXXX XXXX reporting agencies. 

On XX/XX/XXXX I sent letters to XXXX and LCI Consumer Center via XXXX Mail with tracking numbers XXXX and XXXX. I sent these letters to dispute the same XXXX  XXXX XXXX  and request an investigation. Both companies sent letters to me stating that they conducted an investigation and verified the bankruptcy as complete and accurate. They both cited XXXX as the company who verified the information for them. 

On XX/XX/XXXX I also sent an email to XXXX  to find out if they report information to the credit bureaus or 3rd party reporting agencies. They replied with an email stating that they do not report or verify any information to any of the credit bureaus or 3rd party reporting agencies. They also state on their website that they do not guarantee the accuracy of the information on their website and any inaccurate information should be handled with the XXXX Courts. But as I stated earlier, the XXXX Courts do not verify information. 

On XX/XX/XXXX I sent letters again to XXXX and LCI Consumer Center via XXXX Mail with tracking numbers XXXX and XXXX. I informed them both that the XXXX XXXX  XXXX and XXXX both stated that they do not report or verify information. I provided copies of the letter and the email as well. They both replied again with the information being verified as complete and accurate and refused to remove this from my file. 

If this is the case, how did the credit bureaus verify this information and bankruptcy to be 100 % accurate? They could not have possibly completed a fair investigation according to 15 USC 1681.

The Credit Bureaus violated my rights several times under 15 USC 1681 : 15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681s-2 ( A ) ( 1 ) states 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

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 USC 1681. 

Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have written, fax, emailed letter to all credit reporting agencies, companies involved including their CEO 's regarding accounts/information being reported wrong on credit bureaus. I have never worked at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, nor have I ever been retired. Have never lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX or XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. I have " NEVER : made late payments to XXXX XXXX ( current onetime no late payments not in forebearance ), XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX ( ALL ), XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ). Have " Never Applied for credit or authorize obtaining credit report for the following companies : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX please remove all non-account holding inquires. Public Records do not belong to me : Judgments # : XXXX, XXXX, XXXX please delete. Please remove " Promotional OPT-OUT '' would like to be consider for promotional offers that I qualify for. Also have accounts that bureaus are currently blocking that I would like to be reported they are accounts in good standings from the following companies : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX Spoke with reps and was advised information was re-inserted in results of system glitches that credit reporting agencies have experienced on numerous occasions XXXX XX/XX/XXXX- XX/XX/XXXX & XX/XX/XXXX ; Experian XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX XX/XX/XXXX and that all information submitted would be updated in 10-15 days which was over 30 business days ago.
Product: Debt collection

I received a notice from Javitch Block LLC saying they were collecting from XXXX XXXX XXXX XXXX. 1. I have never received anything XXXX XXXX 2. They state debt is XXXX the interest is XXXX. The interest is more then half debt listed how can this be is XXXX XXXX XXXX charging interest?
Product: Debt collection

I have previously contacted Bloomingdales credit card about a balance that was due to items not being received by me. I was under the impression it was taken off. On XX/XX/XXXX I received a 1099C discharging the debt I called the 800 number several times trying to speak to someone since any IRS form were suppose to have been mailed out before XX/XX/XXXX. On XX/XX/XXXX I received an email from my XXXX, XXXX  and XXXX  stating that this debt was discharged.  Bloomingdales discharged this debt in XXXX and has fraudulently back dated the form to reflect they discharged in XXXX they have sent me this form late and also the amount on this is wrong since the items ordered were never received by me. They were sent to the wrong address. I have disputed this several times. I need them to withdraw this 1099C and wait until XXXX Since this was just discharged XX/XX/XXXX see proof attached. And they need to send the IRS and myself an update form.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I received a notice of identity thief. After contacting equifax about this matter, I paid for a report, dated XX/XX/XXXX. Equifax had a lot of information wrong on the report. I went through a rigorous amount of paper work, phone calls to try to get this all corrected. The fraud was a student loan that was not my signature. After contacting the collection place XXXX I had to do a police report and send in documents supporting. This took several attempts along with Equifax not having correct information too. I sent copies of my ss #, driver license, correct address etc all supporting documents to All three Credit Reporting Agencies, IRS, My attorney, so that it would be cleared up. 3 yrs is too long to have to keep taking time from my busy schedule to keep reaffirming my correct information. It was all cleared up in XX/XX/XXXX. The collection company sent a letter, as did the IRS. Now the issue is that Equifax still has Wrong information, that they were to remove but didn't. When a company is asking to verify who I am, and all of the questions are pulled from my credit report ... ... .the questions are wrong because I never lived at the incorrect address information, nor the student loan questions. I have tried to clear this up with Equifax and again to verify who I am, they want me to answer security questions that are not correct information. There has to be a more efficient answer for security questions, If they go by the questions off a credit report, then that credit reporting agency should have correct answers that only that person would know, like what is favorite nephew questions, ( information that I would only know ) not someone who has a copy of my file. My credit union was asking me to verify myself, and it was pulling the questions and answers from an inaccurate credit reporting agency. On XX/XX/XXXX I logged on to eqifax website to get a free credit report and after answering the security questions with the correct answer of NONE above, it denies me access. I call and they want me to verify with the same WRONG information. 
Help, I am so wore out over this merry go round with them. I had disputed information with Equifax all XX/XX/XXXX-XX/XX/XXXX. I shouldn't have to resend them my SS #, drivers license, etc. They have all that from last year. I can't dispute anything until I answer those question with wrong info and I don't want to do that.
Product: Checking or savings account

I had tried to put a check for 4,500 into my account, at first it said it was on hold but I checked today and now it said it has been returned and my account spending was 5,200 and im $ XXXX in debt. i cant receive any money from anyone, they cant send me money. i cant make a mobile deposit anymore.
Product: Credit reporting or other personal consumer reports

They told me i was going to get a soft inquiry, but ended doing a hard inquiry. They now say there is nothing they can do about it. 
I didnt agree or signed any authorization for this credit inquiry.
Product: Vehicle loan or lease

I was arrested and my car was taken. They wouldnt tell me where and my items were gone. Got out to them saying they sold my vehicle
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I recently traveled on a vacation to XXXX and noticed several repeated charges on my credit card that I did not make in the amounts of {$120.00}, {$120.00}, and {$120.00} from some computer company as it was listed from XXXX XXXX payments the dates were XX/XX/XXXX, XXXX and XXXX XXXX  respectively. Once I reviewed my statement I immediately reported these transactions as fraud. I was shocked and upset to find out that Chase denied my claim. I chose the Chase XXXX card to have a sense of security when traveling and making purchases abroad and I feel that Chase did not do any due diligence when investigating my claim. I then reached out to this XXXX  processor myself and obtained receipts for these fraudulent purchases and discovered the dates and times and location of these purchases. I never was anywhere near where these fraudulent purchases were made and the signature used was not my signature. I forwarded Chase airline tickets, hotel accommodations and even an ATM withdrawal receipt proving my whereabouts ( no where near the location listed on the receipts I obtained from XXXX  ) ..Chase continues to say Im responsible and benefited for these fraudulent charges. I am livid. I pay a hefty annual fee for this travel card and cant believe how Ive been treated by Chase, all they provide is a XXXX or XXXX sentence response claiming I made these purchases when I 100 % did not. Its impossible to talk to anyone who is actually investigating these claims. When I call the person says not even they talk directly to these investigators. The customer service is horrible and I feel like I wasnt respected and was being called a liar. Its really what they are saying, calling their customer a liar. All they do is deny claims and stiff the consumers as it appears. I will no longer be doing business with Chase if this isnt made right. I will try my luck with XXXX XXXX for my travel card needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00}.
Product: Debt collection

This is the only way I can communicate with XXXX XXXX XXXX XXXX because they dont know how to respond to me in any other way. They claim to be a company who helps their clients even if the loan that was taken out was fraudulent. Also, there was never a loan for {$3800.00} deposited into my account in the first place. They claim there was. The bank account that is now closed ending in XXXX never had a loan in that amount deposited. I never used the money for a loan in that amount. My spouse is My witness. I would like the CFPB or someone to investigate this matter if possible. I have already filed an IC3 complaint with the FBI explaining all this as well. Again, XXXX XXXX XXXX XXXX says a loan was deposited into my bank for {$3800.00}. That is false. There was no record of that. Also, that bank account is now closed because of identity theft/fraud. Dont trust XXXX XXXX XXXX XXXX because they wont help you. They will make false claims. I would not go through all this trouble if it was my loan. Think about it. Would you go through all this trouble if the loan was yours? No. Also, where is the evidence of me signing anything or authorizing anything for any loan for {$3800.00}. No one talked to me or sent me anything.