23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After so many attempts to prevent or stop a foreclosure, On XX/XX/XXXX, SLS sold the loan to themselves. they still have the loan the only change is that it was transferred to another office or department. 
I have called different numbers trying to keep truck of this file. I have finally talked to someone from SLS. the SLS employee sent me a letter that it blew my mind. since I never seen such a letter. 
on the letter they stated that in XXXX they have offered me a loan modification and I have declined. as well as others loan modification offers on XXXX. 
if this is true why XXXX, or XXXX ( agents assigned to this file ), never spoke to me about the modification when I talked to them on a weekly basis. When I begged them to help me to get a loan modification approved. I remember the rudeness of XXXX telling me that " they would do everything on their power to make me walk out of the house without talking a XXXX from it. Now I do understand, they put obstacle to obstacle to make me lose my house. 
Why they never mentioned the letters when I called them and informed them that I was applying for a loan to pay off the second lien with them. I have applied to many different lenders to refinance the house and all the attempts failed. When I started looking from help from those Real Estate attorneys, suddenly these letters appears.

I have offered SLS thru agent XXXX {$40000.00} dollars cash but he denied my offer. 
Who can possible help me with this case????
Product: Credit reporting

1. XXXX XXXX XXXX # XXXX-Date Opened wrong-should be XXXX-thereby changing Status to be removed in XXXX 2. XXXX- # XXXX-Status date to going positive should be XXXX-as dated opened shows XXXX but actual date for rate modification was 3 years after this date. It took 2 years to receive this change. Change status - goes to positive to read XXXX. 
3.XXXX XXXX Paid and closed-over 10 years old REMOVE 4.XXXX- XXXX XXXX-Paid and closed-acct XXXX years old-REMOVE 5.XXXX- # XXXX-Paid and closed -over 10 years old-Remove 6. XXXX- # XXXX-Acct paid and closed-over 10 years old-REMOVE 7. XXXX XXXX XXXX XXXX # XXXX-Date opened XXXX-transferred-closed -REMOVE 8. XXXX XXXX # XXXX-Paid and closed -Old 10 years old REMOVE 9. XXXX- # XXXX-Paid and closed-old REMOVE 10.XXXX- # XXXX-Paid and closed-10 years old REMOVE 11. XXXX XXXX XXXX # XXXX-Old paid and closed-10 years old REMOVE
Product: Credit reporting, credit repair services, or other personal consumer reports

The items were removed by experian I check my credit for accuracy and experian had place the accounts back on my profile at a later date.
Product: Mortgage

I have been with Beneficial since 2007. I have refinanced a few time and received a loan modification back in 2007. I have asked for them to refinance my home because the interest rates sits at XXXX percent. When I make my payments which are XXXX monthly, XXXX is the mortgage payment but the interest is XXXX while the actual principal is only about XXXX per month. They are hitting us with unreasonable interest rates. I would like my interest rate reduced so I can afford to make the payments. The other charges are fair and are for property taxes paid. They also charge XXXX late fees per month if you are 11 days past due which is also unfair. 

If they modify and refinance our interest rate our loan will become more affordable. Their only options are to defer payments or to foreclose which is also unfair practice. 

They also frequently change Mortgage Servicing Specialists. Each month I get a letter stating I have a new specialist. 

Because of not so good credit and us owing XXXX on the house with it only being worth XXXX we do not have the option to sell it. 

Would like to see them at least let us refinance at a lower interest rate. I feel like they are just stealing our money with their getting so much in interest. 

My account number is XXXX, please help.
Product: Checking or savings account

I have put about XXXX checks in this account. Every check I deposit has been placed on and extended amount of hold time. Every-time I place a check in this bank it flagged. I feel like I'm been targeted because of my name and discrimination. My father passed way myself and siblings where giving money as a beneficiary. My siblings checks cleared with no issues or additional holds. For some reason chase keeps flagging my account. I give them no reason to flag my account. I have never wrote a bad check or have a check bounced that I deposited. I an being targeted. Now I am unable to pay my fathers funeral because they out additional 5 day hold on my account. They don't help when you call all they say they can not disclose why my account is flagged. I am being targeted! I will like to sue for discrimination.
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 XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX on XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX 
on XX/XX/XXXX with a balance of {$2000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XX/XX/XXXX {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX  - XX/XX/XXXX Equifax XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit card

I contacted Chase Customer Service on XX/XX/year> about a purchase made on XX/XX/year> for a purchase of {$670.00} to XXXX XXXX XXXX. The XXXX purchase fell under their promotional 5 % quarterly rewards category of live entertainment, so I received 5 % cash back for this purchase. I was, however, supposed to recieve an extra 3 % cash back through the " Shop through Chase '' program.

The woman who assisted me on Chase Customer Service said that per Chase 's terms, any rewards purchase is either eligible for one reward or another, but not both. So in this instance, I could not get 3 % on top of 5 %. My issue with this is that particular exclusion was not advertised anywhere, either in Chase 's own Ultimate Rewards program agreement or in many popular online rewards sites that detail credit card reward programs. If I knew explicitly that this weren't allowed, I would have utilized a different rewards program, as 5 % is not as much as I could have received elsewhere. To clarify this issue, I am attaching two pdf examples for reference. 

I would like to see if I can get a resolution for the extra 3 % rewards, as I have been a loyal Chase customer for years, and this particular issue seems to be a bit of a bait and switch.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 

ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/2016, BALANCE : XXXX, REPORTING ON : XXXX ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/2016, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/2016, BALANCE : XXXX, REPORTING ON : XXXX.
Product: Debt collection

I was served with legal papers today from XXXX XXXX XXXX claiming I owe a debt of $ XXXX to XXXX XXXX from XXXX. Portfolio Recovery brought the law suit. I'm sure they know very well that people don't keep records of paid off accounts for 13 yrs. The statute of limitations in XXXX for collecting on this type of debt is 6 yrs. Of course I still have to file my answer to avoid a default judgment.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, 2024 I filed a dispute with Experian regarding a XXXX credit card account ending in XXXX. The Experian report # for this dispute was XXXX. The dispute was that XXXX had not reflected multiple payments I made on the account throughout 2024. I provided proof of payment for each month. I also had a payment plan with XXXX, which is what these payments are for, and they cancelled it stating I had not paid in months, but clearly I did. In XX/XX/scrub> 2024 I repeatedly tried to pay them and they removed my autopay, so I paid from my bank electronically, which they received. 
Experian notified me on XX/XX/scrub> 2024, that the dispute results were ready. 
Nothing changed. My payments are still not reflected. Nothing was updated.
Product: Debt collection

This debt was placed in collections and I was never contacted. Secondly this debt was charged off by the original debtor more than 180 days ago which it is illegal to sell after it has been charged off more than 180 days ago it has been placed on my credit without me having a chance to resolve it also caused my score to drop significantly in the last 60 days I tried to contact the.debt collections company and advised this was not my debt. I asked the supervisor how did they obtain the account in the first place at which time he explained that his company had purchased it from another third party not the original debtor I then advised him of the law that it is illegal to sell off debt accounts that are more than 180 days charged off he then informed me that he has been doing this for the past 11 yrs and this was the first time that he has heard this. I think that MBA LAW SHOULD BE INVESTIGATED if they don't know the laws they should not be doing this type of work they also should not be placing things.on people 's credit report and causing problems for things that they have no knowledge of
Product: Checking or savings account

Over the past few years my Chase Bank account had been frauded, credit cards issued to others not on account, forgery and forged checks, atm withdrawals taken out. My late husband was joint on all 5 of our accounts. We did not even know this was happening to us and by members of our own family. After my husband passed away last XX/XX/21 My daughter went on the account to make sure everything looked right. She started auditing and we were shocked to see hundreds of thousands of dollars gone. Forged signatures on checks of myself and my husband and a lot of wire transfers in huge amounts. Left me with hardly anything and my entire chase accounts compromised. My daughter helped me and it took her about 6 months to get it all prepared properly and to complete her audit and the executive office claims they lost her hard work of our proof and truth. Chase bank allowed all of this to happen and did not let myself or my late husband know. Chase bank and my family have done the largest amount of elder abuse, identity theft, and robbery I have ever imagined. Why Chase bank especially at executive office would loose our hardwork reports and allow such fraudulent behaviors and not pay us back a penny is completely unacceptable and disheartening. Someone even used my late husbands debit card after he was killed and also moved {$6000.00} in another wire transfer! Chase has not done a thing to help us not a thing. To me they are criminals just like the ex family members that were in our bank accounts.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Correct date the loan was open, the master copy of legal papers. Most documents you receive are simply a scan, photocopy, or printout of the pages that were filed at court.The Dodd-Frank Act added, among other things, a requirement that creditors provide to applicants a copy of all appraisals and other written valuations used in connection with the applicants application for first lien loans secured by a dwelling.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting XXXX account # XXXX has violated 15 usc 1681 section 602 states i the right to privacy. 15 usc 1681 section 604 a section2. it also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666b. a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Credit reporting or other personal consumer reports

This account was charged off as a collection on the following date XX/XX/XXXX. This account is also reporting a balance of {$1200.00} which is illegal and inaccurate because this account is still reporting a balance as if the account is still open. It is also reporting as a collection every month from XX/XX/XXXX to XX/XX/XXXX as if the account is open. This account is also not reporting any information for XXXX. It is also being reported on my report that the account is closed and in collection with XXXX but the account status is also being reporting to being an Open account with TRANSUNION which is also inaccurate and a violation According to XXXX XXXX Transunion XXXX, XXXX, XXXX, and TRANSUNION are supposed to ensure XXXX XXXX XXXX  This account violates these laws : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : - Account Number : XXXX TRANSUNION Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

As of today, XXXX, XXXX XXXX, Jefferson Capital Systems llc is reporting to XXXX that I have an open balance owed worth {$10000.00}. This is not true because theyve sold the vehicle for that amount already. I do not owe them. Theyre also reporting that the account was opened XX/XX/XXXX. That is also false. Theyre reporting false information on this account. I would like for Jefferson Capital Systems llc to remove and delete this account from my XXXX credit report as it goes against Fcra law
Product: Credit reporting or other personal consumer reports

Company : Experian My credit keeps getting frozen by Experian and I am unable to reach a person to inquire as to what is going on. I am unable to access my credit report because I can not sign in to my account. 

I am unable to access my account because all resets are sent to an e-mail I no longer have access to ( XXXX ). 

I try calling and only get the automated system which eventual kicks me off. When I call other numbers a human transfers me and I eventually get disconnected. I have maintained my composure, but this is very frustrating and unfair to the consumer. 

It is a continual loop trying to get help with zero success.
Product: Credit card or prepaid card

In XXXX of 2021 Comenity bank lowered the limit on my Victorias Secret Credit card from {$450.00} to {$100.00}. They had done this numerous times before and claim that it was a reflection of changes in my credit report. Here 's how credit works... I buy something and my balance goes up. No other credit card bank lowers my limit because I used a different card to make a purchase. In fact, at the time they lowered my limit, my balance was below {$100.00} and payments had always been on time. In fact, the card up to that point had been helping my credit score. Simple fact is that this bank deliberately does this to PUNISH cardholders for not making purchases on their cards. They did the same thing with a card I held for XXXX XXXX at the same time. I requested BOTH accounts closed. The boot barn was closed as I requested. Since XX/XX/2021 I have made the request numerous times that the VS card be closed and the bank IGNORED ME and used the card to continue to punish me. Presumably for closing the other account. As of this week I recieved a message regarding this account, that I requested closed in XXXX of last year, that THEY had closed my account due to information obtained in my credit report. I CLOSED THIS ACCOUNT 8 MONTHS AGO. They left this account open without my authorization after I ORDERED it closed and continue to use it now to impact my credit score by labeling it falsely as " Closed by credit Grantor ''. These people need to be stopped ....
Product: Checking or savings account

The following occurred On XX/XX/XXXX, my account balance went below {$100.00} On XX/XX/2020 I was charged {$15.00} for balance under {$100.00}. This is fine and I accept that. I then increased my balance to {$120.00} from XX/XX/XXXX onwards However, the {$15.00} maintenance fee on XX/XX/XXXX reduced my balance from {$100.00} to {$86.00} and triggered a different {$15.00} fee on XX/XX/XXXX. 

Thus the XXXX {$15.00} fee caused a second fee of {$15.00} in XXXX and in effect might be a violation of UDAAP or at the very least bad customer service.
Product: Checking or savings account

On XX/XX/2018, company charged a total of {$100.00} for two returned item fees and an NSF fee. In attempting to learn why, BB & T informed me that two items were returned and because of the returned item fee brought my account negative, a NSF fee was assessed. Also, through my messages with BB & T, I learned that the two returned items were unauthorized attempts to withdraw monies from my account. I attempted to explain this to BB & T and they allege that these are recurring withdrawals from an external account. However, I can assure this agency that I do not have set up any recurring withdrawals.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts that are PAST the statute which I have brought to Experian several times with no outcome and need help. I even filed a CFPB on XXXX XXXX and they did n't even respond. This has to stop and it is violating my rights XXXXXXXX XXXX XXXX XXXX - PAST THE STATUTE REMOVE Plus Four XXXX - PAST THE STATUTE REMOVE THIS IS A LIE, I NEVER TOOK OUT ROYAL MILES IN 2013 THIS IS OVER 7 YEARS OLD AND YOUR COMPANY IS VIOLATING MY RIGHTS
Product: Credit reporting or other personal consumer reports

Reporting act, the list of accounts below has violated my federally protected consumer, rights to privacy and confidentiality under 15 USC 1681- The accounts below have violated my rights. 15 U, S.C 1681 section 602A. States ( have the right to privacy. 15 U.S.C 1881 Section 604 A Section 2 : It also states a consumer reporting agency, can not furnish, a account without my written instructions. P15 U.S. 1681g. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) 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. Delete the accounts below : XXXX XXXX