23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

For over 4 years I have tried to due a loan modification with my lender. When I first applied my loan was with XXXX XXXX XXXX. I proceeded to go back and forth with them for well over a year and was told i was missing paperwork or my paperwork was incomplete. However, XXXX XXXX XXXX could n't tell me what was missing or incomplete. Instead, I had to reapply. This time all just went ignored and eventually my loan was sold. Now I 'm left to reapply yet again with with SPS. I have applied with them XXXX or XXXX times even paying to receive mediation XXXX. The most recent mediation took place in XXXX of 2015. Prior to my mediation I had informed all parties to include, SPS, the mediator and XXXX that my income was reduced by {$1500.00} per month. I was approved for a Tier 1 Harp program but it was at the wrong grossly income. At mediation, all parties did n't seam to think or feel that my income being reduced by {$1500.00} was that big of a deal. I did not sign the agreement and was advised to appeal based on my gross income being incorrect. I was advised at mediation that I had 30 days to submit by appeal. However, a letter that I received stating that I was approved for program was received 2 weeks prior to my mediation date and the bank is denying my appeal stating that I had 30 days to appeal based on the letter not the mediation. I had no idea of the terms of the agreement until I attended the mediation. This has all been rather confusing and I have complied with everything multiple times and have provided all requested and necessary documents to the lender. I received an email that they were denying the request to correct my income. I have provided them with current bank statements as well as current pay stubs in addition, I also provided bank statements from my estranged husband showing that he was paying and had been paying on the house that we where on a loan together. I have mailed letters and followed up with XXXX as well as sent all parties an email asking for yet another application to reapply since that is what they where wanting me to do since they would except and or allow the changes to my pay. This is a frustrating for all this could have been resolved 4 years ago. But then again this has allowed the bank to charge all these outrages fee 's to to my loan. Let al the bank loan payments, late fee 's, mailing fee 's ( which in access they will send XXXX of the same letter everytime ). I feel as I have been giving the run around and now I received a letter stating the foreclosure sale date to be XXXX XXXX, 2015. The bank as yet to respond to my requests has brought me here. 

Regarding a question below, I did n't pay an outsidecompany for assistance but paid XXXX $ XXXX XXXX seperate times to receive mediation.
Product: Credit card or prepaid card

Bank of America is reporting to the Credit agencies incorrectly as I am an authorized User on my husband 's BOA Visa card and in no way responsible for his debts. I have my own BOA  credit card. My credit score went down considerably because my husband made a large purchase on his card which hit MY credit score. ( XXXX XXXX to mid XXXX!!! ) My available credit is in no way near what my husband 's available credit is so it hits my report considerably and erroneously I might add. 
That should be illegal as this debt shows on his and my credit report! I am in way responsible for his debts on this card. 

XXXX  XXXX di the same to me a few months ago and we took me off as authorized user which is what we did this morning to BOA XXXX XXXX!
Product: Debt collection

Receivable Management Group Inc, obtained and now has access to my confidential and private medical information and medical history XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. This includes information about my visit to the hospital. I did not consent or agree to have my information shared with a third party. If there was anything included within the documents I signed at the hospital, it was not properly disclosed to me and that is deceptive. I was not in the right state of mind ( Obviously since I was being treated for pain ) if there was anything in their documents that stated they can share my information to a third party. When the nurse or admin came to me to sign documents they told me this is consent to treat you. But, I do not have any relationship with Receivable Management Group Inc. There is no contract between myself and them and I have no agreements that I signed that states I agree to pay them anything. I went to get treated for a medical issue and Receivable Management Group Inc is not who I was treated by, they are not affiliated XXXX XXXX XXXXXXXX XXXX
Product: Credit card

See the attached documents.Please remove the inaccurate records being reported on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX
Product: Debt collection

Have been clearing out my Credit Bureau report with XXXX, Equifax and XXXX. XXXX  has updated the paid balances, but Equifax and XXXX  have not updated. The Creditors continue to try to collect the paid balances.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the manner in which your bureau has handled my identity theft disputes. Despite my repeated efforts to resolve this matter, I have encountered a frustrating lack of responsiveness and action on your part. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions that have appeared on my credit report. I promptly reported these fraudulent activities to your bureau and submitted all the necessary documentation and detailed explanations to support my claims and establish my innocence. However, an extended period has passed since I initially raised these disputes, and I have yet to receive a satisfactory response or resolution. This delay has not only caused me significant stress but has also resulted in concrete negative consequences for my financial well-being. I have experienced denied credit applications, higher interest rates, and relentless harassment from debt XXXX, all stemming from inaccuracies on my credit report. What compounds my frustration and disappointment is the apparent failure of the bureau to acknowledge the seriousness of my situation. Despite providing substantial evidence of identity theft, it appears that my case has either been overlooked or deemed insignificant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life. Please DELETE the accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Debt collection

WELLS FARGO


Contact XXXX XXXX XXXX XXXX XXXX IA XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit card

The FRAUD with XXXX XXXX XXXX, XXXX being adding to my account as a signer & changing my mailing address to a FRAUD address XXXX XXXX XXXX XXXX, OH XXXX, who then obtain several, {$2000.00}, & {$3000.00}. FRAUD CASH advances over and over again. Every time a new FRAUD card was sent out after I report the fraud the new account carried over the thousands of dollars fraud card chargers, rushed card delivery fees, along with a much higher interest rate than on purchase for cash advances. This happened over and over again. I was forced to take out a personal loan to pay down the credit card balance to be able to afford the payment. And just this month AGAIN there was another FRAUD card mailed to the same Fraud address, this time in my name. I MUST receive the check payable to me for the {$16000.00} I paid on card ending XXXX, for the FRAUD charges and cards, XXXX XXXX. Just some of the many. I have a FRAUD police report also that I field. 
See attached
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th 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 extortion. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, M, XXXX, XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX Balance XXXX {$3400.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX : {$0.00}, XXXX  XXXX XXXX Balance : {$740.00}, XXXX, XXXX  XXXX Balance : {$200.00}, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX Balance : {$820.00}, XXXX XX/XX/2021
Product: Debt collection

Enhanced Recovery Company is illegally reporting on my credit bureaus under their own name as opposed to the name of the original creditor in violations of : 209 CMR 18.17 : Unfair Practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.17. 
( 11 ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a debtor in the debt collectors name. 

They were notified of their illegal actions XX/XX/XXXX. They removed their listing from my credit report XX/XX/XXXX. 

In XX/XX/XXXX they reinserted their listing without my permission in violation of the FCRA. The I sent them a 93A Demand notice XX/XX/XXXX informing them of their illegal reporting, re-insertion requesting the removal from my credit report and requesting full validation of their claim ( including Proof of Assignment the contract showing they purchased the alleged debt ). 

On XX/XX/XXXX they replied with statements from a different creditor only. However, their validation failed to show that they owned the account or that I owed them a debt in anyway. Their reply also in no way recognized the fact that they are continuing to violate federal and state law in attempts to collect upon this debt illegally.
Product: Credit card or prepaid card

To Whom It May Concern : I am a victim of identity theft. I have contacted your company directly and through a third party on numerous occasions beginning on or about XX/XX/XXXX through the current date. I have experienced ongoing derogatory impact to my credit and my life as a result of being exposed in the XXXX  XXXX data breach. I was reported deceased by creditors and credit bureaus. In addition, I have experienced over seven known occurrences of fraudulent charges to my debit/credit cards which have resulted in re-issued cards and account closures. The information listed below is provided to assist with my identity restoration as a result of the damage I have suffered from identity theft. 

I have requested assistance from your company on numerous occasions and you have been notified of my issue. Your company was notified that I am a victim of identity theft and declared deceased. In my situation your company failed to comply with applicable laws, rules and regulations related to company- wide handling of identity theft victims and deceased customer notification. Your company failed to align me with the appropriate department to address my issue and the subsequent account issues. Your company did not exercise due diligence to protect me as a consumer. 
As an identity theft victim, I contend that my rights were violated under the Fair Credit Reporting Act and the California Credit Reporting Agencies Act. Please block this account and information from my credit report, pursuant to, and send the required notifications to all furnishers of this information pursuant to the : OBLIGATIONS OF FURNISHERS UNDER THE FCRA
Product: Mortgage

I fully paid off my mortgage with United Wholesale Mortgage ( UWM ) on XX/XX/2021. UWM sent me an email on XX/XX/2021 acknowledging that my mortgage was paid in full. On XX/XX/2021 UWM erroneously processed another payment and took money out of my bank account despite the fact that my loan was fully paid off. As of XX/XX/2021 ( XXXX days after loan payoff ), they have not returned the money they stole nor my remaining escrow balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Missouri XXXX XXXX has an open Child Support case on my credit. According to the law of the Federal Trade Commission it suppose to be on my credit report for 7 years. It has been on my credit report since 1998. The legal statue for the reporting has passed. My child is XXXX years old. Therefore, Missouri XXXX XXXX  does not have an open case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

XXXX XXXX Inquiry dateXXXX XXXX XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX MO XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance Owed : {$0.00} - This kind of account is actually noted as a charged off account, you need to let me know the actual reason why there's a balance showing you on the record if it is a charge off. 

XXXX XXXX Balance Owed : {$0.00} Many times delayed that is being reported on my credit report appears to be inaccurate and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Many times delayed that is being accounted on my credit report seems inaccurate and or misleading. If possible provide facts that this supposed account was in fact delayed and that you have got the needed techniques to make sure you correctly analyze your claims. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - This account standing which is lately reporting on this credit record has a severely unwanted relation to my personal option to attain permission to get a present loan application, please don't hesitate to provide proof that this has been reported perfectly as documented in the Fair Credit Reporting Act guidelines, this is a serious problem to mis-report.
Product: Debt collection

I received a letter from American Coradius International LLC, dated XX/XX/XXXX, saying I owe {$110.00} as a result of my XXXX account. 
This XXXX account has had only credit card payments made with it, starting in XXXX, when I closed the business associated with this XXXX account. 
I am writing to you because I have read on the internet that this collection agency may be a scam operation. 
I would like your help in closing this matter, and erasing this fake debt from my credit report. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the two Bureaus, XXXX and Equifax.
Product: Checking or savings account

My XXXX and chase account was hacked and funds were taken out of my XXXX {$1400.00} and I spoke with cashapp and they refused to refund me the money. Chase said that whomever it was refunded payments I had made and rook the funds
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 2 also states a consumer reporting agency can not furnish an account without my written instructions. Furthermore, this account is being reported without my consent.
Product: Credit reporting

I recently paid off my automotive account off through my credit union ( XXXX ) on XX/XX/2017, you conducted this transaction from my account ... my question is XXXX credit reports, " account closed between XX/XX/2017 and XX/XX/2017, your XXXX automotive accounts appears to have been closed. '' My issue is the account was n't just closed, but paid off, which gives me a negative rating. Please can you kindly look into this matter? Thanks! My contact number is XXXX.
Product: Credit reporting or other personal consumer reports

I have file many disputes with XXXX & Experian & my credit have not changed or they have not got back to me
Product: Checking or savings account

Hello To Whom It May Concern, I have been charged on XX/XX/XXXX by a website XXXX with a {$100.00} only because BofA allows it, instead of stopping any sort of over drafting they are increasing it! Plus, I didn't receive any email confirmation from the online game provider XXXX. I did pay and use it in XXXX for a few months only so, I consider it a huge bank mistake.
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. 

LVNV FUNDING LLC XXXX 15 U.S.C 1681 Section 602 ( a ) ( 4 ) States accuracy and fairness of credit reporting and I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c Section 605 ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s Section 621 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen by my brother. I alerted you all of this. I filed a police report, placed freezes on all credit bureau 's. The initial response was that an investigation indicated that the account did belong to me and there was no evidence of fraudulent activity on the account. Your company is right about the owner of the account. However, my personal assistant at the time, my younger brother, had access to my financial data. As apart of his job he ran errands for me that included him making purchases. Running to get me coffee, buying a piece of furniture my interior design business, etc. He had access to most of my accounts. This account was a major account that he had access to. I urge you to remove this derogatory remark from my report as I continue to work with the FTC and local law enforcement to protect my identity.
Product: Checking or savings account

The Wells Fargo location at XXXX and XXXX ( XXXX XXXX XXXX, XXXX TX XXXX ). on XXXX  XX/XX/XXXX around XXXX XXXX. The banker ( s ) refused to maintenance my account and denied access to my funds.
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.The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit card or prepaid card

Today I go to my accout on my capital one app and I see that my credit limit has been decreased. For no reason, was not notified before it happened. So I call and spoke to XXXX and said I should be receiving a letter I spoke to XXXX and she said the same thing. So I call later that evening and I spoke another person I ask to speak to a manager who's name was XXXX or XXXX. She " said was a business decision and something about how much credit I'm not using and how they just decided to reevaluate the credit that they were give customers. I have had good history with capital one Bank they increased my credit and sent a letter saying that my old quick sliver card is now it's and elite card. I have never been late on any accounts that I currently hold with capital one. Or any of my creditor 's. So whatever business decision they decided to make. While I am in the process of buying my house was not cool. A day after I sign my contract. I don't appreciate your lack of consideration for how you handle people who have good credit and pay their bills on time, you don't need to worry about me anymore I want be doing " BUSINESS WITH YOU ALL ANYMORE.