23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Citi mortgage perpetrated loan modification fraud on me and sold my mortgage to XXXX. All we wanted to do was PAY our payments in installments. They said sure. Just do a loan modification.They tricked us. They added XXXX dollars to our principle. XXXX will not help me. Will you?
Product: Mortgage

My property taxes are behind. XXXX XXXX  : XXXX, Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Sheriff served me on XX/XX/XXXX, by leaving a letter on my mailbox on XX/XX/XXXX. 

XX/XX/XXXX I called the Sheriff and they said my property tax balance was {$12000.00}. My taxes were paid by a company named XXXX XXXX I called XXXX and they told me that I was approved to call XXXX. I called the servicing # and I left a voice mail yesterday. The Sheriff advised me that I can get on a payment plan. I pulled the property taxes from the Tax Commissioner website. This information had not been here over the past 6 years. On the Tax Commissioner website, they said they were sending it to my old XXXX  address. I have been living on my home since XXXX after coming back from XXXX  in XXXX. I have not lived at this old address since XXXX.
Product: Mortgage

During the beginning of the Corona Vira pandemic, mortgage companies ( including ours ) offered financial assistance to families that needed it, in the form of forbearance. Unfortunately, my late husband did not understand what this meant and applied for this program, without further explanation. It was my husband 's responsibility to take care of the finances but earlier this year he unexpectantly XXXX XXXX leaving me to take of everything. Once I found that we were signed up for this program I immediately wanted to end it but realized that each month 's mortgage will be immediately due in one lump sum once this forbearance is over and I do not have the funds ( like most Americans ) to pay for this so I requested a modification and for my late husband 's name to be removed. 
The mortgage company ( Freedom Mortgage ) replied within two weeks and approved the modification only to drastically increase the amount due, an error on their part they said. The escrow due each year is approximately {$7000.00} but the monthly escrow error said {$2000.00}. 
Freedom Mortgage also kept my husband 's name on the modification even after I had submitted his death certificate to them as proof. 
This back and forth has been going on for the past seven weeks with a different representative telling me, " the issue will be fixed '' or " the issue has been resolved just wait 10 business days '' or " the underwriter is looking at it now, you should receive a letter by the end of the week '' and I get no response. 
Freedom Mortgage has no issue sending me a monthly statement telling me how much I need to pay them and how much is due, but for some reason, Freedom Mortgage can not properly adjust the modification I requested and they approved in a timely manner so I can try to move forward with my grieving process. The amount of anxiety and stress this one company is causing me is really unbelievable, it feels like they want me to give up the home my husband and I had together so they can make a bigger dollar off of it.
Product: Mortgage

XX/XX/2020 I filed for for COVID Forbearance as I was going through divorce and bankruptcy simultaneously. Originally my home was listed in a trust that I was the grantor of and my ex-wife and I were both trustees. Due to my bankruptcy I had to revoke the trust and revert all property in a trust back to my name. At the end of my forbearance. My mortgage company guild mortgage would only provide impartial agreements and my ex-wife and eyes name preventing me from returning my home. When I pointed out the discrepancy they refused to change the paperwork to my name solely. I am the only borrower on the loan as well.
Product: Debt collection

Upon checking my consumer report, I have become aware of the many errors, including false and misleading information, these collection accounts are not meeting the credit reporting standards of reporting 100 % accurately. This has ruined my reputation, has caused embarrassment & humiliation and is damaging my entire life by keeping me from getting new credit for personal, family, and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce the deletion of these accounts.
Product: Student loan

I am attempting to release a co-signer from my loans. This has been problematic because I live and work XXXX. A successful co-signer release involves a few things but in my case paying 12 months consecutively with no late fees is the issue.
My lender does not currently have the ability to offer me auto payments via my international bank so I can not ensure on-time payments. My earnings are made in a foreign currency and I must convert and send payments over to my XXXX XXXX account which is where the problem lies. I am at the whim of the intermediaries capabilities to deliver the funds on time to make the payment.
All other requirements check out. It just seems it will be impossible to accurately target 12 months on time payments when the deciding factors are not in my own hands, being a reflection of my credit worthiness.
This fact has been confirmed with a representative as being a sad and unfair situation, but, nothing is available in terms of solutions from their end.
Product: Debt collection

I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Product: Debt or credit management

I've made several attempts to reach out to Discover, as well as their indenture trustee XXXX XXXX XXXX XXXX, XXXX, XXXX regarding my request for a refund of all securities due to securities fraud. I've discovered evidence indicating that XXXX has engaged in activities that violated federal securities regulations resulting in substantial financial losses to me. As a result I am requesting a refund of all past present and future debts. The evidence that I've gathered suggests that these activities were carried out intentionally. I am prepared to provide detailed documentation and evidence supporting these allegations upon your request. The Securities Exchange Commission ( SEC ) enforces strict regulations to protect investors from fraudulent activities and ensure the integrity of the financial market. With XXXX XXXX  XXXX XXXX being the indentured trustee, your company has a fiduciary duty to act in the best interest of the bond holder and to comply with all relevant securities laws and regulations. I am requesting a full refund of all old securities including any interest or returns that may have been affected by the alleged fraudulent activities. I'm requesting a comprehensive investigation report outlining the findings of the internal investigation. This report should include a clear explanation of the actions taken to rectify the situation and prevent such conduct from reoccurring. Given the seriousness of the alleged securities fraud I am consulting with legal counsel to explore all available legal remedies. Your cooperation and prompt resolution of this matter can avoid protracted legal proceedings. I am open to engaging in constructive dialogue to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim and I have absolutely no knowledge of the alleged debts listed on your website. Please be advised that I am the only person who is writing this comment there is no other party involved. I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. Please see attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls Department store solicited me when I was making a purchase at the store to apply for their credit card and receive 35 % discount during back to school season early XX/XX/XXXX. I was going to save over {$75.00} I was told. So I applied. They had problem with discount because I was purchasing XXXX and XXXX products so supervisor had to override. Once they corrected I presented my XXXX for payment in the terminal. It asked for registration info such as email and preferred method of contact ( which was email ). I did not realize Kohls people were charging the new Kohls account for the transaction. They did not disclose to me that this is what they were doing. 

A few weeks later I saw a charge on my XXXX card from Kohls. I assumed this was charge. I did not intend to spend on Kohls Card as it was for {$1000.00} limit and high interest. So I was considering closing. I had over 740 credit score and felt I could do better. 

Unfortunately they charged the transaction to my card without telling me. Then called me from unknown numbers which I block. They claim this was only way to update me of late payment. Though they blew my email up with their marketing. 

Ultimately by XX/XX/XXXX they reported my account 30 days late to credit bureau. I made payment as soon I received email alert from XXXX XXXX. This lowered my credit score by over 128 points. I was just about to begin home refinance. So this unfairly penalized me for a transaction I did not authorize and which their people did not disclose as being charged to the account at application. I thought I charged to my XXXX card which I presented at terminal. 


I explained this to XXXX and other credit bureaus. They stated the merchant was within reason. How is this possible if I never authorized transaction? They never provided the disclosures. They aggressively solicited me and pushed me into applying. There is no way I would have allowed {$100.00} transaction ruin my credit. I earn over $ 100k a year and easily have over $ 10k in my checking at all times. I set up autopay for all my bills and have not missed a credit card payment in over 7 years. I take my credit seriously which is indicated by my score before this disaster. 

They know they are sinister in their solicitation. I paid them their full amount plus a $ 30+ late fee. They offered to return the fee I said that I dont care about the fee just correct your reporting mistake. 

Kohls claims that it can not correct the reporting as it would adversely affect integrity of the system! Credit bureau XXXX and others have not corrected this issue. 

This is a merchant who has violated UDAP regulations and then fair credit reporting and lending. How dare they try to make claim that they are not going to correct their error which could end up costing my family thousands died to inability to refinance mortgage because of their false report from unauthorized transaction.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I refinanced a loan with Mariner Finance, with a total amount due of approximately {$1800.00} for a term of 18 months. This past summer I began having financial difficulties due to budget cuts and reduced hours at my place of employment. I called Mariner Finance on more than one occasion to explain this to them. My last payment in the amount of roughly {$120.00} ( including fees to arrange payment over the phone ) was made in XX/XX/XXXX. According to my credit monitoring service, the loan is reported as 30-59 days late. Today, XX/XX/XXXX, I received a letter from a law firm ( dated XX/XX/XXXX ) stating that I was delinquent in my obligations vis-a-vis Mariner Finance and that if I did not pay the remaining balance of {$660.00} within fifteen days of the date of the letter, I would be immediately sued. I've never encountered a lender who files a lawsuit against a debtor when said debtor is 30 to 59 days late. This is an intimidation tactic that I feel is nothing short of harassment. The letter was a form letter and clearly a photocopy. Furthermore, the law firm did not provide a phone number, only a fax number. " Mariner Finance '' was printed on the bottom right side of the letter. I suspect that this is a fictional letter and nothing more than a scare tactic.
Product: Credit card or prepaid card

My wife XXXX XXXX in XX/XX/XXXX, I discovered in her papers a VISA gift card in the amount of {$100.00} that expired XX/XX/XXXX. I contacted the name of the financial institution on the back of the card XXXX XXXX XXXX. nka XXXX XXXX. In the first call I was directed to take the card to a branch of the bank because this was as good as cash. I had to search for the nearest branch as the agent on the phone did not have access to that information. I searched online and discovered that the nearest branch is in XXXX. I live in XXXX. I called back to see if there was a way to handle this transaction by mail. The next agent advised that the card expired and the funds were no longer available. I asked for an address so that I could make claim or complaint in writing. The agent put me on hold to find an address and I was disconnected. I understand the the fine print on the back of the card states " The monthly administration fee of {$2.00} will be waived for 12 months. On the 13th month following activation the {$2.00} fee will be deducted from the balance of the card, except where prohibited by law. This is fundamentally wrong. What cost of administration. The bank is, at a minimum, earning interest on this money. The individual who purchased this card paid an administration fee up front when the card was activated. I am filing the complaint because the {$100.00} is not significant unless one considers the amount of money the bank accumulates from " expired gift cards. If anything the bank should be paying interest.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$400.00} DPT EDXXXX XXXX Balance Owed : {$5000.00} DPT EDXXXX XXXX Balance Owed : {$8100.00} DPT EDXXXX XXXX Balance Owed : {$3500.00} DPT EDXXXX XXXX Balance Owed : {$1100.00} DPT EDXXXX XXXX Balance Owed : {$2800.00} DPT EDXXXX XXXX Balance Owed : {$3200.00} DPT ED/XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$690.00}
Product: Student loan

I keep getting phone calls from Stephens & Michaels Associates in NH. When I answer the phone a recording asks me to please hold, when someone answers the phone they will not provide me with any information, just that I have an outstanding debt and they require that I pay it immediately. 
They will not provide me with proof that they have acquired this debt from the first policy holder.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and to request the immediate blocking and deletion of all fraudulent accounts and inquiries listed below from my credit report.

This request is made pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ).

The following accounts have been identified as fraudulent and must be removed : Accounts : XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$230.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$230.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$230.00} XXXXXXXX XXXX XXXX  - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$2200.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$1300.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXX - Opened : XX/XX/XXXX - Balance : {$120.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$750.00} XXXX XXXX XXXX  - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$9600.00} XXXXXXXX XXXX XXXX  - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXX  Account # XXXX - Opened : XX/XX/XXXX - Balance : {$1200.00} XXXX. XXXX XXXX XXXX Account # XXXX - Opened : XX/XX/XXXX - Balance : {$1000.00} XXXX. XXXX XXXX XXXX - Account XXXX XXXX - Opened : XX/XX/XXXX - Balance : {$940.00} Inquiries : XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX Date of Inquiry XX/XX/2022XXXX XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022XXXX XXXX XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/2022, XXXXXXXX XXXX  Date of Inquiry XX/XX/2022 XXXX XXXX XXXX Date of Inquiry XX/XX/2022.
Product: Checking or savings account

I opened an account and in less than a week the bank blocked my funds and asked me to give them the phone numbers of the people who transferred me. They believe there was suspicious activity. I explained to them where the money came from. However, they decided to close my account and agreed to investigate and refund my money. I received an email where the investigation had concluded. But my money still hasn't been sent to me in a check as we agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account information starting XX/XX/XXXX- XX/XX/XXXX. The  account is aged and needs to be removed. It's been removed from XXXX but still remains on Equifax and XXXX.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, ( XXXX ), XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting 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 falseinformation consists of credit card account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry was not authorized- Please delete immediately. 

XXXX XXXX XXXX  - This inquiry was not authorized- Please delete immediately. 

XXXX - This inquiry was not authorized - Please delete immediately. 

XXXX XXXX XXXX  This inquiry was not authorized- Please delete immediately. 

XXXX XXXX - This inquiry was not authorized - Please delete immediately. 

XXXX XXXX -This inquiry was not authorized - Please delete immediately. 

Synchrony bank -This inquiry was not authorized - Please delete immediately. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX- This is an incorrect address - please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This is an incorrect address - please delete immediately. 

XXXX XXXX XXXX XXXX, TN XXXX This is an incorrect address - please delete immediately. 

( XXXX ) XXXX - This is not my Phone Number.Please Delete Immediately. 

( XXXX ) XXXX - This is not my Phone Number.Please Delete Immediately. 

( XXXX ) XXXX - This is not my Phone Number.Please Delete Immediately. 

( XXXX ) XXXX - This is not my Phone Number.Please Delete Immediately. 

( XXXX ) XXXX - This is not my Phone Number.Please Delete Immediately. 

( XXXX ) XXXX - This is not my Phone Number.Please Delete Immediately. 

( XXXX ) XXXX - This is not my Phone Number.Please Delete Immediately. 

( XXXX ) XXXX - This is not my Phone Number.Please Delete Immediately. 

XXXX XXXXThis is incorrect- Please Delete immediately. 

XXXX XXXX  -This is incorrect- Please Delete immediately.
Product: Student loan

I have tried to lower my monthly payment time after time. I have asked if my cosigners could be taken off the loans. Navient will not help and has stated that I need to include cosigners income when trying to lower my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting agency : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX XXXX, TX XXXX I obtained a copy of my credit report and notice XXXX XXXX are reporting two Medical debt on my credit file. 

In the amount of {$210.00} and {$230.00} for a debt I don't believe is my debt. I am requesting validations on these two debts placed on my credit file
Product: Debt collection

XXXX XXXX XXXX provided services while I was XXXX. 
They were provided all of my insurance information and per my insurance company 's EOB ( explanation of benefits ) XXXX has submitted a claim and been paid in full. 

They have now fraudulently sent this bill to a collection agency - XXXX   XXXX XXXX which is showing up on my XXXX  Credit Report. 

This is insurance fraud and needs to be rectified immediately and removed from my credit report.