23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a XXXX single mother of three. The Loan Modification that I was metaphorically pinned down to sign, increased my principal balance by approx {$36000.00} ; AND most importantly my interest rate went UP. That's correct, UP, with a hardship modification.My mortgage interest rate went from 2.87 % to 5.5 %. Prior to the predatory Loan Modification in XX/XX/2022, my mortgage was due to be paid off in XXXX. Now Selene, since they put the defaulted amount on the end of the loan and take over {$600.00} ( almost half of the monthly payment ) for the interest rate ; they've extended my loan payoff date to XXXX. I no longer work nor am I able to hold any type of employment. I get by, support my kids, get to doctor appointments, and pay my bills with SSD benefits, and my ex-husband child & spousal support. My support ends in XXXX. My mortgage will be even more impossible to keep up to date. The entire awarded NJHAF amount of {$35000.00} should have been taken off of the defaulted amount at the end of the loan, where the defaulted amount was added. I will be more than happy to supply all supporting documents in my next email. 

Meanwhile, I will prepare a timeline of emails and correspondences indicating Selene Finance 's evil predatory lending tactics. Selene knew exactly of my NJHAF application, pending approval, all while, processing an expedited foreclosure summons, then overnighting an approved 'Loan Modification ' document with an acceptance deadline date ; prior to them releasing the requested documents to NJHAF that was needed to process my approval for rescue funding. XXXX XXXX, of NJHAF, even had to call Selene personally to re-request the documents to be expedited, since the NJHAF process was stagnant due to it having been over 45 days since the original request.
Product: Credit reporting or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, 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 UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX contact XXXX bank to verify an account that was showing on my credit report turns out the account belongs to my twin brother and they did not receive or report false information and that the issue falls on credit bureaus.
Product: Debt collection

I have no financial responsibility to this company whatsoever. My belief is that these cards were fraudulently opened in my name. I sent letters on XX/XX/XXXX and XX/XX/XXXX requesting documented proof of who opened these accounts and have not received anything other than a bill. That doesn't help at all! This debt is on my credit report MULTIPLE TIMES. It is reported by the original creditor XXXX XXXX and then new companies XXXX XXXX and XXXX XXXX are re-aging this account by re-inserting it on my credit report again and then reporting the account as RECENTLY active. This is completely unfair to me as a consumer.
Product: Credit reporting or other personal consumer reports

I'm setting up to grant my XXXX  concerning the tested accounts on my credit report. On different occasions, I have raised the issue of mistakes in these records, and have constantly referred to that they be completely investigated. Dismissing my endeavors, I at this point can't get any goal or supportive activity. These stirred up records are genuinely harming my credit report and hindering my capacity to go on with a typical life. The hostile results of these mistakes have caused gigantic difficulties for me, and I'm left with no decision beside to fight for your help with changing what's happening quickly. I generously demand that you lead a wary evaluation concerning the determining of these tested records. It is major that the crucial advances are taken to restore and address my credit report immediately. With your assistance, I need to reestablish the accuracy and uprightness of my credit file so I could recover command over my monetary flourishing. I truly demand that you offer this matter your generally ludicrous idea and make a quick move. Your joint exertion and moving in settling this issue conveniently would be massively huge. Much appreciation to you right off the bat for your insight and help.
Product: Debt collection

I have disputed the charges with the credit bureaus. XXXX as a debt collector reached out to me to provide some information such as lease, a copy of my driver license, a police report and a FTC complaint. 

I do not own this account and not sure why my name was on anything related to that account. I believe the crime happened in XXXX, Texas and I am living in XXXX XXXX, TX it has been now 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022, Equifax removed all inaccurate information from my credit File. 

On XX/XX/2022 I checked my Equifax credit file again and it showed that all the inaccurate information was removed. 

On XX/XX/2022, I checked my Equifax credit file again but this time all the inaccurate information was being reported again.
Product: Credit reporting

customer service would not help and take care of the negative inquiries reporting to your credit report
Product: Mortgage

I have been trying to work with my lender for several months now and every week they continue to ask me the same questions over and over again. Today, my counselor XXXX XXXX who is helping us through this difficult time spoke to a supposed supervisor by the name of XXXX who just wasted more time. XXXX was advised that for weeks now we have advised SPS that I ( XXXX ) started working on XX/XX/2021 and my wife never stopped working. On their XXXX there was two sections where you advise what is the start date of employment. I don't understand how inept their underwriters are in getting my review completed. I am losing my home because these people don't care and are poorly handling my request for help! For over 30 days now we keep going back and forth on my income, this is ridiculous of them.
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : 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 Equifax 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 personal credit card account opened at First Premier on XX/XX/XXXX under the account number XXXX with a balance {$700.00}, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1000.00} that appears related to the aforementioned personal credit card account opened at XXXX XXXX Bank. These accounts have resulted in fraudulent hard inquiries, fraudulent derogatory marks, 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, charge offs, derogatory marks, or hard inquiries as reported. The aforementioned accounts, collections, chargers, 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 # ( XXXX ) as proof from the XXXX 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

I tried several times over the past year to pay this credit card bill online and it never went through. I called the company and paid the balance and they help the payment until it was past the de date. hey charged a {$41.00} late fee after the account was closed. The balance ballooned to over {$280.00} and they are ruining my credit. I found this out when trying to pre qualify for a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX Credit card was opened on XX/XX/XXXX. XXXX $ was paid. By law after 7 years this account should not be on my credit report but it still is. I have disputed this item on XX/XX/XXXX but still no changes were made!
Product: Debt collection

midwest recovery systems placed a collection account on my credit report. Thing is my credit report is free of any outstanding accounts. For about three years. No prior communication and I do n't recognize original debtor. This account is fraudulent or trying to collect on an account that was already settled. This account needs to be removed from all credit bureaus it reported to. I do not owe anyone.
Product: Mortgage

I paid my real estate taxes in advance because the escrow department would not calculate the annual taxes properly. I pay {$600.00} in real estate taxes each year in advance, but the escrow company estimated my taxes to be {$1600.00} per year. My home owner 's insurance is {$2700.00} per year which I have already paid. The only amount that I should be paying each month is the mortgage payment of {$660.00}. I requested that they recalculate the escrow to reduce the payment and I was denied. The escrow department is continuing to charge me for real estate taxes and home owner 's insurance although those accounts are paid in full and I have provided the escrow department with the appropriate receipts of payment. Currently the escrow department is charging me {$980.00} which is {$310.00} above my mortgage payment. I want them to remove the additional {$310.00} from my escrow account payment since the taxes and insurance balances have been paid in full for the year.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : BANK OF AMERICA XXXX Open Date XX/XX/2018 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited from such fraudulent accounts. 

If you assume or allege, I have received services, goods, or monies, please have a senior XXXX certify under the penalty of perjury, I have obtained possession. All are being investigated by the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report, which I acquired I notice an inquiry made by the below organizations on the listed dates. 

Since I have not, to the best of my knowledge, authorized anyone employed by those organizations to make an inquiry, they are not legally entitled to make the inquiry. Therefore, I request that you contact the concerned credit bureau and remove the unauthorized hard inquiry immediately, under the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests.

If you believe that you possess sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. 

Credit Inquiries XXXX XXXXXXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXXINDIRECT XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX via AXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX INDIRECT XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX from XX/XX/XXXX XXXX Indirect We Inquiry from XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry from XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this dept with XXXX XXXX, I do not have, nor ever had a contract XXXX XXXX. They did not provide with the original contract as requested. 

XXXX has investigated this and I have uploaded proof.
Product: Bank account or service

This email relates to PayPal Credit. I have held a traditional PayPal account for some time. Last month, I paid a bill to XXXX and was offered Paypal as a payment method. With a positive balance in my account, I was under the impression I was paying from my balance. 

However, 3 weeks later I received a statement and terms and conditions for something called PayPal Credit. This was completely new to me, and not a product XXXX either wanted or was clear I had signed up for. 

I called PayPal this evening to understand what this was, and was purely told it is something I had signed up for and terms and conditions can be found online. The attendant informed me that this had made a hard pull on my credit history, which is most concerning. I have worked hard to build a secure positive credit history and take great efforts to keep this as a true reflection of my credit history. 

I 've now paid the balance in full - to prevent any charges - but remain very disappointed and entirely misled by this product offered by PayPal. I am a XXXX year old XXXX and feel I am astute and thorough when I manage my money but this has totally shocked me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian about a mortgage account balance with XXXX XXXX XXXX. I was told the information in my credit report was correct, the balance was {$570000.00} and I would have to go to the lender if I disagreed. I wrote to XXXX XXXX XXXX and received a letter stating that the account had a XXXX   balance and had been closed on XX/XX/2018. I submitted this letter to Experian and their response was to change the balance to {$570000.00} and I would have to go to the lender if I disagreed. I tried calling the telephone number they list for disputes and their phone tree doesn't have that option. I don't know what else I can do.
Product: Mortgage

Myself and my realtor has been working feverishly to sell my home in XXXX NV. The buyers mortgage company " Residential Bank Corp '' has missed contractual deadlines, and failed to close on the sell of my home on time. This has caused humility and embarrassment for me when purchasing a new home here in XXXX ID. I want to make a serious complaint against this mortgage company for not meeting contractual agreements, and fraud. Additionally, Id like to make a complaint against the buyers realty company as well for hiding information as to why the mortgage company isnt performing to banking expectations on closing my home deal. This was scheduled to close and fund on XX/XX/2020 and its not XX/XX/2020. I signed my ending settlement 14 days ago and sent money into escrow to close the deal.
Product: Credit reporting or other personal consumer reports

Trans Union failed to provide an opt-out notice, as is required by all financial institutions, in which I, the consumer, have the option to opt-out of having my information shared with unaffiliated third-parties. 

On XX/XX/23, Trans Union received my Notice along with the required personal identification information per 15 USC 1681c-2, requesting that Trans Union remove five ( 5 ) adverse transactions from my consumer credit report. Trans Union failed to comply with the statute and with my requests. 

Trans Union unlawfully used my personal and financial information which included the sharing of information to unaffiliated third-parties that adversely affected my creditworthiness and resulted in defamation of my character and general reputation. 

Despite three ( 3 ) written notices sent via certified mail, Trans Union continues to report damaging unauthorized personal and financial information on my consumer credit report. 

Further, Trans Union is corresponding with me via postcard regarding this private matter, a direct breach of my right to privacy.
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Transunion Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXXXXXX XXXX XXXX XXXX, XXXX - XXXX, XXXX - XX/XX/2023
Product: Credit card

On XX/XX/23 my card had been fraudulently used without my permission. Someone has used both my personal card and business card for the same multiple transactions leading up to {$10000.00} in fraud claims. Merchant name : XXXX XXXX XXXX XXXX XXXX I have never done business with this merchant before. However, JP Morgan Chase says they have throughly investigated my claims but provided no documentation of contacting the merchant or anyone in this matter. Going forward, after contacting Chase 's global fraud department ( Disrespectful customer service ) Chase says : My dispute claim has been closed, as their excuse was " We already investigated this claim. '' You see how misleading this is? How can they have investigated a claim but not contact the merchant or provide any sort of documentation? If anything, Chase is the real fraud. As a consumer, I shouldn't have to pay for something that I did not use/purchase. In my personal opinion, I think Chase does not want to credit me back for this amount since this is a large claim regardless of this being fraud. I understand that this is a business and they personally do not like to be liable for anything, but in this case this is just wrong. I would appreciate if the CFPB can investigate further into this matter as I believe JP Morgan Chase is held accountable for this incompetent/fraudulent behavior.