23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is the third time I've filled out a loss mitigation and was denied all three times from the same person because she believed I have the ability to repay my loan. I just received the third denial letter on XX/XX/2024. I am behind on my mortgage over {$4000.00} ans have been trying to get assistance before my home goes into foreclosure. I have read some XXXX reviews and some reviews of those who have received assistance the first time they requested without any issues but yet I'm asking/seeking for help so that I don't loose my home and I feel as if I'm being a victim of impartiality. This is not right, I have been spoken to harshly as if I'm wrong for having issues. If this was them in a situation they would want to be treated fairly and I'm not getting fair treatment after 3 times and record phone conversations. I have tried and pleaded for help and none given. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they tell me you need to apply for XXXX and thay my husband was XXXX XXXX XXXX XXXX XXXX XXXX XXXX multiple times and we have fallen behind. I have a son who is XXXX  and I need to be able to get to the school when needed and I have a XXXX XXXX XXXX XXXX and in the midst of that I'm looking for work from jobs but no slack from Vanderbilt Mortgage company, only disrespect. I even told them I would send over my medical records and they denied it and somehow made a decision based on what they believe I can still do. If that was the case why do I need or why am I looking for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has me listed with a Bankruptcy, I've contacted the courts and they tell me they have no records that they give out to credit reporting agencies weather you do have one or you don't. I have asked XXXX  on several occasions about this and they sent a reply saying they contacted the federal courts, I know this to be false since I've contacted the federal courts and they have no records of me to give out. I've been a victim of false information listed about me in the past due to someone in my city with the same name and very close ssn.
Product: Debt collection

This is in regard to an XXXX  sale of {$1600.00} involving two large speakers. Payment was made in full on XX/XX/2019 with Buyer arranging payment through PayPal. PayPal released funds to me after the mandatory hold on XX/XX/2019. Two months later, on or about XX/XX/2019, PayPal notified me of a dispute with Buyer and asked for documentation to assist in resolving the Buyer 's issue ; documentation was sent immediately. On XX/XX/2019 PayPal notified me of decision by Buyers bank to reverse the purchase charge, demanding I add funds to my PayPal account to resolve the negative balance. 

Buyer refuses to return merchandise claiming speakers were not as advertised. They were. Photos taken before the sale ( at Buyer 's request ) and after were sent to Buyer ( and later, PayPal ). Buyer first filed a claim with XXXX claiming speakers were damaged in shipment ; the claim was denied ; the Buyer then filed a claim with XXXX, which was denied ( Buyer refused to return speakers ). Subsequently Buyer contacted his bank/credit card company and was ultimately successful by making a false claim as to their condition PayPal will not release any transaction details ( Buyer 's bank or credit card company, correspondence between PayPal and Buyer 's bank or credit card company ). PayPal 's Resolution Dispute Department in woefully inadequate, unavailable and not interested in customer satisfaction.
Product: Mortgage

I refinanced my mortgage with Wells Fargo and closed in early XXXX 2016. Soon afterwards I applied for a HELOC with Wells Fargo and was advised that I could not close until the county had recorded the paperwork from the refi. Throughout XXXX and XXXX 2016 I repeatedly inquired about the county recording and was told it should be " any day ''. Today I found out the title company did not submit the paperwork to the XXXX until XXXX/XXXX/16, 74 days after the closing. In the meantime the rate lock expired, rates have gone up, and my paperwork is still unprocessed. Wells Fargo neglected to ensure the refi documents were filed in a timely manner, and I am worse off due to the HELOC rate increase.
Product: Credit reporting or other personal consumer reports

I have filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX CARD on XX/XX/year> under the account # XXXX, a collection account COLLECTION SRVS OF A under the account # XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit card or prepaid card

Today ( XX/XX/2018 ) I received a letter from Chase regarding my XXXX credit card account. The letter said, " After careful consideration, we closed your credit card account on XX/XX/2018, because our affiliate is ending their banking relationship with you. You may receive additional account closing notifications if you have other impacted accounts under a different name or address. '' I do not have any bank accounts, mortgage, etc. with Chase and no other banking relationship with any other bank has ended. I have an excellent credit score and have always paid my bill on time. Every other bank has never had a problem with my accounts and all are in good standing.
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. 

XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX  # XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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

Hello I'm trying to move and there is an item on my credit that is not mine. Can you remove XXXX  and some inquiries thats not mine either XXXX/XXXX  XXXX/XXXX  XXXX   XXXX  CA XXXX  XXXX XXXX XXXX XXXX XXXX. I have contacted my local police and the FTC. I am doing this own my own behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I report it to experience that their information on my credit report was wrong. I was told via the app that I use and are paying for their services for credit monitoring that my credit score is not what I am seeing on the credit servicing app for Experian. The app says I have a score of XXXX thing which is a total lie. Because when my credit is pulled we see another score lower than the scores presented by the Experian app. This is fraudulent information that would not work in a court of law. We should always see a factual actual credit number that is reflective in all systems. Experian said they dont have to do this. That sounds illegal to me
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 If you claim these items are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Checking or savings account

Hello. 

I hope this message finds you well, I had a property that I inherited from my father also I have all the documents thereof, but due to some limitations the buyer sent it to me through several transactions, however, it was supposed to be sent in XXXX transactions! I informed the bank about this and had all the documents available, however, the bank closed my account and sent me a letter that I would receive any funds related to me by check, but I have not received any money so far, and the bank refused to give me any information they gave me a number to call, I called that number several times but nobody knows anything, and I am struggling several months and went to critical financial issues and have no idea what is going one.

I would like to know what happened and where are my funds. 

Thank you very much and appreciate your help I look forward to hearing from you! 

Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : 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 , 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 a credit card account opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, A personal loan account opened at XXXX  XXXX XXXX XX/XX/XXXX under the account number XXXX, A personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, A personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, A XXXX  loan account opened at DEPT OF EDXXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX and PayPal recently permanently limited my account and isn't allowing me access to any of MY FUNDS for 6months! Im more confused than anything because I've done nothing wrong. It's impossible to get in touch with anybody to try and get a solution or a reason atleast. Ive emailed, called, live chatted, countless times and I'm ignored. I'm completely at a loss right now during this pandemic and im in desperate need of my money PayPal is holding because bills are way past over due. My email address is XXXX. thank you so much for your time.
Product: Mortgage

Caliber home loan has not operated nor practice the federal and state guidelines concerning our mortgage modification. Since XX/XX/XXXX of XXXX we have submitted loan modification application and paperwork time with the assistance of a housing counseling XXXX XXXX. 

The property was tax except since XX/XX/XXXX due to me being a Veteran And a First Responder from the World Trade Center. 


] A. This information was provided to them in late XXXX B. There was numerous communication to change the mortgage payment and they never adjustment. 
C. XXXX had submitted the modification request for a lower payment in addition to removing the taxes on the house. 
D. Caliber waited until the eviction mandate had lifted and filled paperwork by XX/XX/XXXX th to have our house up in sheriff sale. Our XXXX representative had submitted the paperwork and was told that the loan modification department is working from home and has been backed up for some months and is currently updating the system. but this did not stop them from trying to put our house up for sale. We later receive mail that they received our application and currently reviewing it. Our Biggest problem is that the amount that is listed as owed is about XXXX dollars more than the actual amount. They had calculated the payment of what is owed with the taxes included. Caliber was supposed to notify the sheriff and their third party to remove the house for the sale but currently it is still listed with a sale date
Product: Credit card or prepaid card

There were two fraudulent charges made on my BJ 's Comenity XXXX XXXX Card in Colorado on XX/XX/XXXX, yet I live in Florida and have not been in Colorado nor purchased anything online there since XXXX. One was for about {$50.00} and the other about {$35.00}. I have called them every day and their automated system hangs up and disconnects my phone call and they never allow me to report this. I have tried calling at least 6 different numbers for Commenity Bank, their corporate headquarters yet no one will answer the phone and take my complaint of fraud and these charges are now on my bill which I do not owe. 
You can see from the attached file how this is not a charge that I made due to my location.
Product: Credit card or prepaid card

I was been informed by XXXX that the referenced payments totaling {$5000.00} have been cleared and cashed by Williams SonmaXXXX Barclay and NOT transfer to new account Williams SonomaXXXX XXXX ( like the other payments had ). 

However, the five payments are not represented on the statements. True and correct copies of the statements for the periods in which the five above referenced payments were made to you are attached hereto, and incorporated herein. 

I call it the blame game, but I'm the biggest loser! I thought I only lost {$5000.00} but really the lose it is so much more! My story began in XXXX when I got a Williams Sonoma Visa Credit Card issued Barclay Card. In XXXX XXXX XXXX  took over my credit card agreement with Barclay Card. 
In XX/XX/XXXX I was applying for a home loan and the lender stated that I needed to pay off the remaining balance on my Williams Sonoma credit card before funding in XX/XX/XXXX. I always made the payments the same way using bill pay via XXXX XXXX Actually I had always made the payments the same way and not even updated since XXXX bill payments. I would bill-pay the same account number I had been using since XXXX. 
In XXXX of XXXX at closing the lender stated that I still had a remaining balance of over {$5000.00} showing on my williams-sonoma card I stated that was impossible because I had made five {$1000.00} payments and that the card was completely paid off. I gave the lender proof of payments and sent them too XXXX  XXXX  so they could update their records. Obviously, this was important to me because this put me in a different bracket as far as points on my home loan went. This ending costing me 1 point ( on a {$450000.00} home loan ). 

At this point I'm completely out the missing {$5000.00}, interest, points on mortgage and my credit reports are not correct. 5 payments in the amount of {$1000.00} each were made to XXXX XXXX  ( The same way every via bill-pay from XXXX XXXX  for the past 3 plus years to XXXX XXXX  XXXX XXXX 

Each payment of {$1000.00} was made was electric from XXXX to XXXX some way for the last 3 years NO changes! It is set-up automatically for weekly payments. I noticed that my payments were not posted, so I called XXXX XXXX  and they stated I did not make the payments. I called XXXX XXXX. XXXX XXXX  and I called XXXX XXXX  together and once XXXX XXXX  stated the payments were not made. 

XXXX and I both sent back-up 's of the payments totaling over {$5000.00} that are missing and they still state the payments were not made. XXXX disputed the 5 payments and gave us a {$5000.00} credit on XX/XX/XXXX only to reverse that credit onXX/XX/2019 for {$5000.00}. XXXX stated since no changes were made to the payments for the past 3 years and the wired funds did go to the same account they could not help me ( basically since I sent the payment the same way for the past 3 year with no changes electrically no fraud was found ).
Product: Credit reporting or other personal consumer reports

The following accounts and inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of a consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. Accounts : XXXX XXXX, XXXX XXXX XXXX, {$600.00} XXXX XXXX XXXX, XXXX XXXX Date Opened : XX/XX/2022 Balance Owed : {$590.00} XXXX XXXX XXXX ; Inquiries : XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022 and XXXX XXXX XXXX Inquiry Date XX/XX/2022.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, DEPT OF EDUCATION / XXXX XXXX XXXX XXXX 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 an 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: Mortgage

This is my third complaint against CMC Funding as they still have not corrected the issue. They keep applying some of my payments to something called suspense instead of to principle. My monthly statements keep showing my next payment due is - {$500.00}. How could I possibly owe a negative amount is they were applying my payments properly?
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries, as I am not aware of them, and they were conducted by the company without my consent.