23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/18 between XXXX and XXXX. 
I was throughly displeased and entirely dissatisfied with the treatment I had over the phone. I work as a XXXX XXXX XXXX XXXX, and I would NEVER interrupt a consumer the way that the Chase representatives did to me. They could not provide information about my account, and refused to assist me in any way. They transferred me to hold lines of 15-20 minutes without warning me of the approximate wait times. They gave me a number to call, and I called them back and filed an in-system complaint. This complaint was nearly brushed under the rug and the rep I spoke with said sorry, and continuously spoke over me, and treated me poorly. I advised her that she was professional, but honestly she did not make me feel any better about the situation.
Product: Debt collection

Jefferson Capital Systems LLC falsely clams that I owed them {$170.00} from XXXX and unlawfully reported debt collection to XXXX and XXXX under my name. They demand payments, offer discounts but wouldn't provide any detailed informations or documentations to proof that I actually owe the money. They said that they have the power to undo the XXXX points damage on my credit score if I pay them. 

Hence, I've never set up account with XXXX nor owe any money. I called XXXX, and they also verified that there has been no account or outstanding balance ever under my name. 

I feel that Jefferson Capital tried to scam me for the money I never owed and intimidate me by making negatively impact on my credit score.
Product: Credit reporting or other personal consumer reports

To whomever this may concern, my name is XXXX XXXX XXXX. I am writing this statement on my behalf to follow up on and delete the following information in my consumer reports. The items I am requesting removal from are all annotated in this FTC report. Per FCRA 15 USC Codes 1681i and 15 USC Code 1681g these accounts should not be reflected on my consumer report and violate my rights as a federally protected consumer. I am a victim of identity theft and did not apply nor provide permission for these listed accounts to be reported on my consumer reports. I am demanding immediate deletion and removal of the listed accounts.
Product: Mortgage

My wife and I refinanced a single family residential rental with Chase Bank XX/XX/2015, with the first payment having a due date XX/XX/XXXX. On,or around XX/XX/XXXX I received a telephone call at work from an individual representing Chase Bank telling me that my payment was over due and demanding specifics as to when the payment would be made. I informed the gentleman that although the payment was due XXXX, that it was not delinquent until XXXX and I would be making the payment prior to that date. We had a considerable discussion during which I informed the gentleman that I was self-employed and my cash flow was such that I could not promise payment on any certain date, but it would be paid prior XXXX. This did not satisfy he gentleman and I finally told him that I would make it by the following Friday. Once again XX/XX/XXXX I received a similar telephone call at work and had a similar discussion. XX/XX/XXXX I again received a telephone call, this time at home in the evening, from a young lady representing Chase and we had the whole conversation again.

Each time I was told that the loan was due XXXX and that if I did not make the payment prior XXXX I would receive a "courtesy reminder call". This is nothing courteous about these calls, the callers are not rude, but are so relentless that they verge on threatening. I spoke to the loan officer at the Chase Bank where we arranged the loan and was told that he had never heard of this type of behavior.  All of my payments have been timely and I do not intend that they will ever be made on a date late enough to allow the bank to charge me a late charge. I consider the repeated, unnecessary telephone calls at work and at home in the evening to be nothing but unjustified harassment.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I came to file a FTC complaint of inquiries that I do not recognize and it redirected me here to file a complaint. I am submitting a complaint of inquires from unknown sources. I can not identify these inquires made nor did I authorize them so I believe I am a victim of identity theft. I would like these inquires removed from my credit report with investigation on who made them. 

XXXX XXXX - Equifax - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX - Equifax - XX/XX/XXXX
Product: Mortgage

In XX/XX/2019, I was informed that my mortgage company, Ocwen Loan Servicing, that my mortgage payment was going to be increased by almost XXXX because I had no insurance. I did have insurance and I immediately faxed proof to the insurance dept for Ocwen Loan Servicing which was later bought by PHH mortgage. Month after month they would promise to correct the mortgage amount and they did not. I have repeatedly requested and begged them to fix the problem and they promise they will and they do not.

I do not know how to protect myself from a big mortgage company like PHH, I need help.
Product: Credit reporting

I requested my personal information to be corrected on my file because I believe it is causing accounts to be placed on my credit file that does not belong to me. I have spoken to numerous representatives that continue not understand my issue. I last spoke with a supervisor XXXX from XXXX, Ga in the office of XXXX. He refused to correct my information and said I would have to give them a signed XXXX FORM. From my research in the Fair Credit Reporting Act, that is not part of the proving of identification for my information to be corrected. I would like for the FTC to investigate the violations from Equifax and to have them correct my personal information on my file. I have attached the dispute letter I sent to them on XXXX/XXXX/16, the certified mail receipt showing they received it on XXXX/XXXX/16, and the identity documents I mailed to them showing my correct legal name.
Product: Mortgage

Have received a loan modification. I made all 3 trial payments and even more. They then canceled my modification because my wife did not send her signature back in time when I told them that we are going there a divorce and that she needed more time to send her signature in even though I sent in my signature and had it notarized. 
This also started during covid and is Covid related. 
I have had numerous people try to call to get my modification reinstated and no one can get threw to anyone. 
When people leave a message no one calls back. 
They wont even except a mortgage payment from me at this time. How can I get a supervisor to speak to my representative who speaks for me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted credit dispute letter and police report to Equifax on 4 different times requesting to hard inquiries removed as I didnt authorize the inquiry and have been a victim of fraud the bureau refused to removal the inquiry stating inquiries are a matter of factual record ... how can these inquiries remain on my file when I have proved Im a victim please sssist The inquiries in question are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX I have never authorized any inquiries on any dates
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  XXXX  my ex-wife and I met with an attorney,  XXXX   XXXX  in  XXXX   XXXX   XXXX , Michigan, to consult about bankruptcy. We left that consultation without any intent on filing bankruptcy. On  XXXX   XXXX ,  XXXX , while returning home to Michigan from Alabama for  XXXX  vacation, none of my credit cards would work to pay for my rental car. After research, I found out that the attorney that I had consulted with said that one of his secretaries accidentally filed the bankruptcy electronically with the Bankruptcy Court. The attorney wrote letters to the court and my creditors, but all that happened is that it was " dismissed '' not removed. It is still affecting my credit report and my ability to obtain credit. I was denied credit about a month ago by  XXXX   XXXX  because of the bankruptcy. How do I get this bankruptcy REMOVED from my credit report, not just " dismissed ''????
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX requesting that Transunion reinvestigate the disputed Accounts from my credit report as well as update these Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. The 3 credit bureaus must validate these accounts in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Late Date XX/XX/XXXX XXXXXXXX XXXX XXXX Late Date XXXX XXXX  XXXX Late Dates XX/XX/XXXX XXXX XXXXXXXX Late Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email on XX/XX/XXXX about Equifax data breach that affected many consumers. I was one of the consumers that it affected. I called Equifax on XX/XX/XXXX to have inquiries and other items removed off my credit report, because of this breach. I talked to a rep and was told " NO '' they could not remove the items off my credit report. The email that I received stated the following " XXXX, As you may know, millions of Americans had their personal information exposed by the recent Equifax data breach. Also, they have been hit with a lawsuit over the breach that affected 143 million consumers. Equifax failed to protect the consumer data it collects, including millions of Social Security numbers, names, email addresses, birthdates, and other personal information lost to cyber thieves ''. I feel that Equifax should be able to delete items from my credit report, because of this breach. Here is the following inquiries that was not deleted off my credit report because of the breach. 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX  XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX/XXXX XX/XX/XXXX 7.  XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX/XXXX XX/XX/XXXX 10. XXXX XXXX  XX/XX/XXXX 11. XXXX/XXXX XX/XX/XXXX 12. XXXX  XX/XX/XXXX & XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX **I have dispute many times with Equifax about being an victim of identity thief and now I learned that Equifax has breach many consumer data. Need Equifax to removed the inquiries off my credit report and two collections that are on my credit report : 1.  XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) for {$XXXX} 2. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) for {$XXXX}
Product: Mortgage

My wife and I filed for chapter XXXX bankruptcy inXX/XX/XXXX. Included in the bankruptcy was our house. At that same time we also listed the house as a short sale. We brought multiple offers of various price points to the bank however none were accepted. The house was left vacant as of XX/XX/XXXX. We were discharged from the bankruptcy in XX/XX/XXXX. We received a letter in the mail that Wells Fargo obtained an insurance policy on the house. While the house was under the care of Wells Fargo 's insurance policy there was an incident at the residence and Wells Fargo filed a claim, collected insurance money, and fixed the damages on their own, all done with our names still unknowingly on the deed. Wells Fargo continued to keep the deed in our names until XX/XX/XXXX, even though it was included in the bankruptcy back in XXXX. During these past few years, my wife and I have completely rebuilt our financial lives. Our credit scores have rebounded into the 700 's. We have been able to finance cars, secure a rental lease, and open credit accounts, all of which have been handled responsibly. We were informed that we would need to wait two years after our bankruptcy discharge in order to obtain another mortgage. We had put in our time, saved up our down payment, and were pre-qualified for a mortgage. It wasn't until underwriting came that we discovered a XXXX on the account. We were baffled that Wells Fargo waited two years to transfer the deed to the house out of our names. We are devastated by this news. Just as we thought we were fully over the nightmare it seems like it is coming back to haunt us. We should not be held accountable for Wells Fargo dragging their feet. The deed should have been transferred months after the bankruptcy discharge and not years later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX  and XXXX   have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

I discovered multiple hard inquiries on my credit report that were not made by me.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report, and noticed the following errors are reporting on my consumer report : Inaccurate personal information, Unauthorized inquiries, and Inaccurate late payments reporting. Please investigate and update as they are causing adverse harm to my credit report and good character : In accordance with the FCRA, my rights have been violated.15 U.S.C 1681 SECTION 602, 15 U.S.C . 1692 States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.15U.S.C 1681 B ( 2 ) States if I did not give permission to have anything on my credit report it is not suppose to be there. 

Online dispute XX/XX/year> Confirmation number : XXXX. I have enclosed Equifax investigation results verifying the accounts listed below. 

All disputes were mailed out to the company certified mail and return sender, On XXXX XXXX I sent company a written dispute for Inaccurate reporting that was on my consumer report, as well as unauthorized inquiries. XXXX ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. XXXX ) XXXX XXXX XXXX # XXXX Unauthorized Credit Inquiries on my credit report. 

A dispute was sent out XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX for unverified late payments reporting on my consumer report on the following accounts Freedom Mortgage XXXX, and XXXX XXXX XXXX XXXXXXXX. 


I have attached valid copy of Passport, Social, and utility bill with my current and only address XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

The only EMPLOYER that should be reporting is XXXX XXXX XXXX. 

PLEASE SEE EQUIFAX RESPONSE ON XX/XX/scrub>XXXX 

This is now my third attempt trying to resolve this issue with XXXX.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.The company has failed to provide supporting documentation verifying the accuracy of the inaccurate information reporting on my consumer report.
Product: Debt collection

If the bankruptcy court has already XXXX the personal debt of the homeowner, and the court granted Bank of America 's motion to lift the stay specifically to foreclose on the property, then Bank of America can not pursue non-judicial foreclosure. 

The lift stay order only allows Bank of America to proceed with a judicial foreclosure, as the non-judicial foreclosure option is no longer available due to the prior discharge of the personal debt. Bank of America must now file a judicial foreclosure lawsuit and obtain a court judgment to foreclose on the property.
Product: Money transfer, virtual currency, or money service

I am having an issue with cash app because I have disputed a transaction regarding a payment I made to a merchant, I have expressed to Cash App how the product was defective such as a vehicle and it was returned to the seller, I have also provided Cash App proof of me asking the seller for a refund and they refused although I returned the product that stopped running after 2 weeks. I provided Cash App with supporting documents needed to support my refund but they refused. My cash tag is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I tried many different forms to disputes these account and they keep sending all documents without no proof of the address and my hand writing of signatures all these accounts and inquires are not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

XX/XX/XXXX My Student Loan Repayment Account with XXXX XXXX XXXX has been transferred to MOHELA ( Acct # XXXX ), and I am incurring the same issues with MOHELA with my loan in EARLY repayment, yet the next payment due date is XX/XX/XXXX. I am submitting a new complaint, which is related to COMPLAINT ID XXXX and XXXX, both of which have a status of OPEN Company response is in progress. 

I have received a notice from MOHELA that I have missed several payments, and to avoid delinquency or default I need to contact them. I have tried to call and email but they are non-responsive and phone calls are on long wait times due to high call volume. 

MOHELA says my paid ahead status with XXXX XXXX no longer stands, and that I MUST go into Loan Repayment now instead of XX/XX/XXXX. My original loan amount was {$120000.00} and my current balance is {$13000.00}. 

I am attaching the statement from XXXX XXXX that says my repayment starts XX/XX/XXXX. I also sent this to MOHELA, see proof attached with screenshots.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. Please validate this information with these companies and provide me with copies o f any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number .While checking my most recent credit report, I noticed credit inquiries that I did not authorize, credit check made by the following companies : .1 XXXX XXXX XXXX XXXX 2 XXXX XXXX XXXX XXXX 3 XXXX XXXX 4 XXXX XXXX XXXX XXXX2 5 XXXX XXXX XXXX 6 XXXX XXXX XXXX 7 XXXX XXXX XXXX XXXX 8 XXXX XXXX XXXX 9 XXXX XXXX XXXX 10 XXXX XXXX XXXX 11 XXXX XXXX XXXX 12 XXXX XXXX XXXX 13 XXXX XXXX XXXX XXXX 14 XXXX XXXX XXXX 15 XXXX XXXX XXXX 16 XXXX XXXX XXXX 17 XXXX XXXX XXXX 18 XXXX XXXX XXXX 19 XXXX XXXX XXXX 20 XXXX XXXX XXXX 21 XXXX XXXX 22 XXXX XXXX XXXX 23 XXXX XXXX XXXX 24 XXXX XXXX 25 XXXX XXXX 26 XXXX XXXX XXXX 27 XXXX XXXX 28 XXXX XXXX XXXX 29 XXXX XXXX 30 XXXX XXXX XXXX 31 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 33 XXXX XXXX 34 XXXX XXXX XXXX 35 XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report XXXX 

The following inquiry is more than XXXX years old and I would like it removed XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting my account that was perfectly paid and paid in full by XXXX of XXXX as a charged off account which has prevented me for the past 5 years to obtain credit tools or move forward from an accident that totaled my vehicle with a drunk driver in the state of texas. My insurance as well as myself paid this account and it is not even listed on XXXX as it was previously proven to be incorrectly reported as a charged off account though it was actually paid in full. 

The close date is also incorrectly listed as XX/XX/XXXX thought it was fulfilled on XX/XX/XXXX. This means this account is also past the Texas statue for limitations.
Product: Debt collection

With reference to the letters dated XX/XX/XXXX2021 ; XXXX XXXX, 2021 ; XX/XX/XXXX2021, all delivered by recorded mail. In those letters I asked you to provide the following reasonably requested specific items : 1. Proof of Claim that the alleged liability has been created in the form of an original contract. 
2. Proof of Claim that the alleged liability exists in the form of a verified true bill signed by your client and charged to XXXX XXXX pursuant to the The Bills of Exchange Act 1908, Section 23.

3. Proof of Claim that DIRECT RECOVERY SERVICES , LLC has the legal right and lawful authority to attempt to enforce collection of the alleged liability in the form of Proof of Agency. 

I hereby serve Notice that failure to provide Proof of Claim by DIRECT RECOVERY SERVICES , LLC has created a permanent and irrevocable Estoppel by Acquiescence, forevermore barring DIRECT RECOVERY SERVICES , LLC from bringing any and all claims, legal actions, orders, demands, lawsuits, costs, fees, levies, penalties, damages, interests, liens and expenses whatsoever, against XXXX XXXX. 

It is important that you acknowledge and understand that this is not a letter but a legal notice, which is a consequential specie of correspondence. I hereby declare that the law of agent and principal shall apply and that service upon one is service upon another. 

Furthermore, your failure to provide Proof of Claim in the form of the above reasonably requested specific items comprises the tacit procuration of DIRECT RECOVERY SERVICES , LLC agreement to the following lawfully binding terms and conditions : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further.

6. You have not proven any debt. If you sell the alleged liability, and/or appoint an agent to act on its/your behalf in this matter, you will have broken our lawfully binding agreement and you agree to pay the following fee schedule.