23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Earlier this year I fell behind on my mortgage payments. For the past few moths I have been trying to work with the bank on a loan modification. First after receiving the letter that my application was complete and no foreclosure proceedings would be initiated, I received a letter from a law firm stating they were starting foreclosure proceedings. I mailed the law firm a letter as well as calling them and have not received a response. I have been submitting the requested documents as they ask. The documentation the bank has been requesting is repetitive in nature and they wast things explained that I have already explained. They seem to be dragging this out on purpose. I have been trying to contact someone at the bank without success. I have left voicemail messages and emails without any callback or reply. The only person I was able to get on the phone on Friday XX/XX/XXXX stated that they are not authorized to speak to me. However they were helpful in giving me phone numbers for FHA. The only contact I have have had with the bank is when they send letters asking for more documentation. The latest documentation they requested by letter was received by me in early XXXX and dated XX/XX/2019 giving me 30 days to comply. I sent the requested documents certified mail which was received by them on XX/XX/XXXX according to the postal service. 
Then, this past Sunday XX/XX/XXXX a strange man showed up at my house around noontime, banged on the door which frightened my wife and XXXX small children. I came running and found that it was a man stating that he was there on behalf of the bank to check the property and take pictures. This seemed like harassment or intimidation on behalf of the bank to me. In this day and age of more frequent home invasions and child abductions, this really frightened my wife. 
I have attached relevant documents, but this is not all the documents I have or have provided for the bank. I have sent the required forms as well as bank statements, pay stubs, spreadsheets detailing my families expenses, HSA tax form and document from health insurance detailing our high deductible plan. I can provide further detail and documentation if you require. 

Mid Island Mortgage Corp XXXX XX/XX/XXXXXXXX XXXX, NJ XXXX I have been leaving messages with XXXX @ XXXX email Miss XXXX @ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last two to three years I've been noticing my credit score go down even after paying off loans and some debt now I'm about to pay off a automobile loan now they recently took XXXX points off my credit these points deductions once again seems to come every time I pay off that I thought credit scores goes up once you pay off debt but mine seem to be going down they tell you to apply for more credit to get your score up even when you apply for more credit they don't give you enough credit so I'd rather not bother with new credit cards because of that fact credit card companies are not being honest leaving me to send the card back and telling them I don't want it because the information that they send to me are misleading and now I'm starting to believe these credit card companies along with credit reporting agencies believe that if you XXXX and low income that you have to have bad credit and that's the level that these credit card companies and these credit reporting agencies are putting me on that level with these everyday of deduction of my credit score meaning I'm not going to be able to get anything and I'm not doing nothing wrong but paying my bills on time as agreed with the company that I signed for and have the debt with as I see my credit went from very very good to good what's now put me on a c level when I apply for credit or a loan I need it and I will pay it if it's worth my time these credit reporting agencies are forcing me to pay their way I'm asking that CFPB find a reason why my score is constantly going down after paying bills on time I have nothing bad on my credit they told me that my XXXX score is XXXX and that's what creditors go by but I'd rather see my points go up then in numbers then to see a XXXX score once again I'm getting ready to pay off my final vehicle loan and once again they will take points just to keep me from getting ahead in life and it seems to me it's just a waste of time having credit in the first place if they going to take it away after your hard-earned work that you put in to keep a good credit score what's the use of having credit in the first place these credit reporting agencies need to know it's called move forward not backwards and the way things look these credit credit reporting agencies are sending me backwards and that's not good
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024, an unauthorized " hard inquiry '' was made on my credit report by XXXX XXXX. I did not give my consent for this inquiry, and it appeared without my knowledge or permission. According to the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 2 ), credit inquiries must be authorized by the consumer, which was not the case here. 

I have taken steps to dispute this unauthorized inquiry with the credit bureaus, requesting that they provide all documentation and proof that I explicitly authorized this inquiry. I have also asked for a written response from the credit bureaus within the legally required 30-day period, per FCRA Section 611 ( 15 U.S.C. 1681i ). If no proof of my authorization is provided, I expect this inquiry to be removed from my credit report immediately. 

I am filing this complaint through the CFPB to ensure this unauthorized inquiry is properly investigated and removed from my report.
Product: Debt collection

I was issued a summons from Midland Funding LLC by XXXX, XXXX XXXX XXXX ( which lists a XXXX XXXX XXXX XXXX XXXX XXXX ) that also says XXXX XXXX XXXX XXXX with a " WRITTEN CREDIT CARD ''. Ending with a number of XXXX. 

I do not know or have no idea who and what these people are talking about. They have listed a previous employer. Which I no longer work for. I do not have a job. 

This summons says I have 35 days to dispute this debt in writing. 

This has to be some type of scam or fraudulent means of getting money out of me by someone who is impersonating me with a WRITTEN CREDIT CARD! 

THIS IS NOT MY DEBT! I ca n't believe this is legal. If there is anyway that you can help me with this I would greatly appreciate it. That is all the information that I have in reference to this absurd summons I was given. Not only that it is not my correct name. It is from when I was divorced.
Product: Credit reporting or other personal consumer reports

Kindly remove these addresses and update it with my current address there should be XXXX ADDRESS reporting on the file. It is alarming as there are different addresses reporting differently. Kindly remove this ASAP Inaccurate Name : XXXX XXXX XXXX Inaccurate Addresses : XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed there was an inaccurate account on my consumer report. I am not liable for this or any debt with XXXX XXXX XXXX XXXX  nor have I ever had a contract with Collections USA account number XXXX. They can't provide me with a copy of the application of this debt proving my acknowledgment and commitment to the repayment of this debt like I have asked them for. 
Consumer reporting agencies assume a responsibility to report consumer information to the best of their ability with maximum accuracy. This is the law according to the FCRA. I contacted XXXX and asked them to investigate and remove the inaccurate account from my consumer report. 
That they are illegally reported and I requested specifically their alleged original application bearing MY signature. They have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by evidence or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made attempts via certified mail to request verification of signature and comply to fraud alert on credit file. Company failed to comply for FCRA Guidelines.
Product: Debt collection

I do not have an account with Wells Fargo. However when we moved into our new house 21 months ago, they started calling my new home phone number several times a week. They do not leave a message, and if I answer they hang up on me. I have tried to contact customer service regarding this, but get a message that they can not take my call because of high call volume.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) says that consumer reporting agencies, like XXXX, must handle their responsibilities fairly, impartially, and with respect for consumers ' privacy. I'm the consumer here, and I have the right to make sure my private information isn't shared. This right is supported by another law, 15 USC 6801, which states that financial institutions must always respect their customers ' privacy and protect their personal information. 

EXTRA, who provided this information to the credit agencies, known as " furnishers of information, '' are considered financial institutions under this law. According to 15 USC 1681 section 604, a consumer reporting agency can only share a report about me if I specifically tell them to, in writing. However, neither EXTRA nor the consumer reporting agencies, like XXXX, have my permission or written consent to share this information. I'm revoking any consent I may have given, whether it was verbal, non-verbal, written, or implied. 

According to 15 USC 6802 ( b ) ( c ), a financial institution can't share my private information with outside parties unless they explain to me how I can choose not to allow it. EXTRA nor XXXX didn't inform me about this right. Additionally, 15 USC 1681C ( a ) ( 5 ) says that consumer reporting agencies can't include certain negative information in a report without permission. EXTRA and XXXX are doing so without my consent, which is against the law. 

Under 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ), it's illegal for anyone to provide inaccurate information to a consumer reporting agency knowingly or if they have a good reason to believe it's inaccurate. XXXX is violating this provision. Moreover, 15 U.S. Code 1681e requires consumer reporting agencies to have reasonable procedures to avoid breaking the law and to limit the sharing of consumer reports to specific purposes. It's clear that XXXX is not following these reasonable procedures. 

Finally, according to 12 CFR 1016.7, I have the right to opt out of your reporting services at any time. Given the violations and disregard for my rights mentioned above, I am choosing to opt out of your reporting services in the reporting of EXTRA
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I received my stimulus check by direct deposit onto my PayPal account. PayPal them limited my account for " shared '' info. I had explained to them multiple times that the " linked '' accounts dont belong to me but they keep giving me excuses and wont release my funds for transfer or anything.
Product: Student loan

A check from XXXX XXXX was sent on my behalf to pay off my student loans on XX/XX/2023. This check was meant for XXXX, but ended up at XXXX Ed Financial and was cashed on XX/XX/2023 by Ed Financial . I or my representative at XXXX XXXX, XXXX XXXX, have been unable to resolve this issue with Ed Financial after many attempts over the last XXXX  months. It's completely unacceptable that Ed Financial has been unable to help us in the slightest to get this payment returned.

Furthermore, I do not have an account with Ed Financial so it is completely unknown where this money has ended up and it is very suspicious that we have not received any answers. It is really disheartening that my money that was meant to pay off my student loans has been grossly mishandled by this entity who is responsible for handling financial information. I'm asking for help on this matter because I have submitted complaints to both loan servicers, XXXX the US Department of Education, the California Attorney Generals office and have not come close to resolving this. Ed Financial has not responded to any of recent contact attempts and I would greatly appreciate any assistance you can offer to help me get this money put towards paying off my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

it Cards Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tip XXXX new inquiries have been placed on your credit report. 

all ftc violatons enclosed
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN did not respond to my last dispute adequately. The account on my consumer report for XXXX XXXX XXXX XXXX is incomplete. Incomplete account information must be updated or deleted. The account number is displaying partially. Update this to the full account number or delete this account containing incomplete information. This could lead to identity theft.
Product: Credit reporting or other personal consumer reports

The account blance for XXXX XXXX XXXX XXXX blanace has not been reported and updates since XX/XX/2023. Need to report accurate information and update balance
Product: Mortgage

I sent request for information, about XXXX, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once. 
.pdf # XXXX # XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a inquiry on my credit file that I dont recognize, I did not apply for anything nor authorize for my credit file to be reviewed would this removed from my credit report please
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a call that seemed like a scam. Caller asked for someone and I denied being that person because I am no longer married and had my name restored to my maiden name. In the final document it recorded as " Now Known As '' not " Also Known As '' so I told the caller the truth. But I thought it best to follow up and look at my credit rating. This hard inquiry cost me a point on my score and I request it be restored and the hard inquiry cleared. 
I called XXXX, finally got a human being on the phone. I relayed my problem and I was told to begin a complaint with your organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a copy of my current Transunion credit report which I had requested. I noticed several problems and called right away. 

After spending 30 minutes on the phone with XXXX, aTransunions representative in the Special Services dept. explaining the missing information I awaited the investigation results. 

On XX/XX/XXXX I received the results of the investigation. They corrected ONLY my birth date and did not address any of the missing accounts on my report. I called again and spent another hour on the phone explaining the previous history of the issue, more detail on the issue and the assurance that it would be thoroughly investigated again. 

On XX/XX/XXXX I received the next communication claiming the " dispute is now complete ''. However, they only added ONE of the missing accounts. 

My credit score is being significantly impacted in a negative way by this missing information. 

I would like help getting Transunion to correctly report my credit history.
Product: Prepaid card

XX/XX/XXXX they said they reopened the claim which included claims from 3 cards that were all denied. One being my card fraud used online for a hotel that the hotel said there were notes of a no show which I was entirely in a different town booked on work, another a restaurant charge from a town u known sometime after I left my card at a gas station, then he remaining were multiple charges before I started using XXXX XXXX  frequently when my phone was stolen 2 times. The second time I never got my phone back and jut recently got my number reactivated. Ive called from my husband phone numerous times to Wisely inquiring about it. The last time I called was today an told first it was never reopened then was told by another agent after calling 3 times while making a dispute because I accidentally submitted multiple payments to a company due to wisely out of blue freezing all transactions for about 3 hours for fraud and when I called I was told to just keep trying after I respond to a text resulting in multiple payments of XXXX which if the are denying disputes for a lost card, internet charged, or when my phone was stolen the chances of getting my money back for me accidentally submitting multiple payments due to wisely randomly freezing my card for possible fraud seems slim to none. This company shouldnt be allowed to handle anyones money let alone be a payroll card. This will be almost XXXX Ive been frauded out of and theyve done nothing to get my funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted Transunion about removing inquries and have not got a response. 

i did not apply or give authorization for the inquiries listed.
Product: Debt collection

a debt was discharged in bankruptcy and long since past the Statute of Limitations, yet Ally bank is holding the title of my XXXX XXXX XXXX and not willing to release it until they illegally connect approximately {$620.00}. They refuse to release the title and have been very unwilling to discuss the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am uploading a letter from the bank stating that the 4 personal loans I had with them will be reporting back on my credit reports. These loans were paid and satisfied and in good standing. They were removed off my credit reports which dropped my score significantly and was denied credit from another lender. Experian and XXXX said they would notify me when the 4 accounts would be put back on my reports. I still have not been notified and there still not reporting
Product: Mortgage

I 've had a mortgage with Washington Mutual, which was taken over by Chase, for almost 20 years. I 've never missed a payment, and always paid on time. I 've also always paid my property taxes to my town. There has never been a problem. A few months ago, Chase contacted me and told me I owed my town about {$4.00} in overdue property taxes. I called my town and they told me I did not owe this amount. I also could not believe that given my perfect track record that Chase would even be doing this. I called Chase and told them I checked with the town and I did not owe the approximately {$4.00}. I still do n't understand why Chase would be doing this. In the last month, I learned that Chase was starting to pay my property taxes, even though I had paid them and they were up to date. I know that when I pay my property taxes, they go to an out of town company, so it can take several weeks for them to show up in my Town 's records, but that system is up to my town, I have nothing to do with it. On XXXX XXXX, 2017 Chase sent me a letter saying prior correspondence had been in ( their ) error, but I do n't know what that error was. Then they sent me a statement saying " escrow shortage '' was {$2900.00}, but I 've never had an escrow, then I called Chase automated line and they had a much lower figure for the alleged " escrow shortage. '' This is because my property taxes are all paid up and current, as I 've always taken care of them without problem. I am quite angry at Chase about this.
Product: Credit reporting or other personal consumer reports

This marks my third complaint regarding my status as a victim of identity theft. I am submitting to challenge the presence of certain items in my file, which are a direct result of the aforementioned crime. The items in question are unrelated to any transactions involving the acquisition of goods, services, or funds, either authorized or made by me. According to FCRA Section 605b, Credit Reporting Agencies are obligated to expunge any items listed on an identity theft report, specifically those under the reference # XXXX in my case. Kindly remove the reporting of these items from my credit file, as they stem from an alleged identity theft : -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX