23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a modification on my mortgage almost XXXX  months ago and my mortgage company has not provided me with a decision. When I check the status on their website, it states that they have sent a letter requesting additional information, however they did not. There are no messages on their website advising what this 'additional information ' is either. I sent them everything they originally asked for. We are a single income family with small children and are struggling to keep up with the steadily increasing interest/payment on this ARM loan. They have refused to work with us on refinancing to a fixed rate. This company is a predatory lender and does not want to help it 's customers keep their homes.
Product: Credit reporting or other personal consumer reports

Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud. This fraudulent, inaccurate, and false information consists of 2 accounts that i do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my consumer FICO 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.
Product: Mortgage

I have sent emails XXXX XXXX XXXX on two different occasions ( not including today ) requesting the same information. First, I sent proof of having my own homeowner 's insurance policy in XXXX XXXX, immediately upon getting my home out from under forecluosure. However, Fay Servicing continued to charge me for their policy even after I submitted proof.I also was being charged fees for unknown items such as " recovered coorporate advances '' on my statement. I wrote an email inquiring about these items and requesting a breakdown oof my fees, escow, principle balance, and so forth in XXXXXXXX XXXX XXXXXXXX.I never received a response. I followed up in XX/XX/XXXX. I still never received a response. Today, XX/XX/XXXX, I received a letter in the mail from Fay Servicing stating that they received " evidence of property insurance '' ( as if they just received it when I sent it in XXXX XXXX ), " however upon review we noticed the Named Insured is not correct. According to our records the named insured should read as follows : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( my ex-hushand 's dad actually- My ex-husband is XXXX XXXX XXXX and he doesn't live here ) " To comply with the terms ofthe loan please contact your insurance agent and request the named insurer on your policy to be updated accordingly and send us a copy of the Declaration page. '' I have been divorced sice XXXX and have since been with XXXX XXXX, XXXX, and now Fay Servicing. I have only had my name on my home insurance policy since XXXX since I am the one who pays the insurance and I am the one who pays the house payment.No other lender has ever made such a ridiculous request or given me such a difficult time. 

My ex-husband does not live here and has never been on my home insurance policy before. This is simply a manipulation tactic so that XXXX can continue to over charge me for their outrageously priced insurance. 

They are failing to respond to my requested regarding fees, specifically " recovered cooperate advances '' because they know that they took advantage of my time in foreclosure to add atranomical fees and charges of which some were miscalculated or illegally added. 

**Should the emails I have sent, my mortgage statements, or the letter received fromXXXX XXXXXXXX today stating a need for my ex on my insurance policy be needed - I can send them. However, I do not have them on the desktop I am using. I have the pics of them on my phone in whichI could send through my phone if needed or wanted.
Product: Student loan

I can not afford my monthly payments with  Navient  and they will not budge. I was able to reduce them to {$180.00} which was already too much for  XXXX  but in  XXXX  they went up to {$220.00}. This company has ruined my credit and will not budge when I tell them I am struggling to survive making their payments. I have a  Federal Loan  I pay $  XXXX /month on and it is totally manageable but  Navient simply will not let me set my payments. I would like to pay {$100.00} a month even though that is more than I can really afford but they will not budge.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an error in the reporting of a joint loan account that is affecting my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to have accurate, complete, and up-to-date information on their credit reports ( 15 U.S.C. 1681 ). In light of this, I kindly request your assistance in rectifying this matter. 

I took out a loan jointly with XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX, but it has come to my notice that this loan is reported only under my name in the credit bureaus records. This is not in line with our agreement with the lender, which clearly stipulates that this is a joint account. 

I kindly request that the CFPB facilitate the correction of this error by ensuring that : 1. The account.XXXX XXXX  account number : XXXX date opened XX/XX/XXXX is accurately reported as a joint account in adherence to the FCRA 's provisions concerning accurate reporting. 
2. XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX is added as a joint account holder and this information is reported to all the major credit bureaus, honoring our initial agreement with the lender. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring the accurate representation of this account in line with the FCRA provisions.
Product: Credit reporting or other personal consumer reports

These requests are irrelevant to me, and I didn't give approval to them. I demand their prompt expulsion from my credit report.
Product: Debt collection

I filed bankruptcy on XX/XX/2018. In XXXX Discover started reporting a new account opened with a balance and 30 days late. This account was not opened by me. They never had any contact with myself or my attorney, never sent a statement and as far as I know even if they did they shouldn't due to bankruptcy protection. It's now XXXX and they are reporting an even higher balance and I now have 120 days late reporting to my credit. When I called they stated it was a charge that was posted a day after the bankruptcy filing. I can't confirm this charge since I've never seen any documentation but even if this is true. They can't fraudulently open a credit account and start billing/reporting during bankruptcy proceedings. I've asked the credit bureaus to remove this and they have not. Since Discover can not provide any proof of communication they should be removing this account and really should be communicating via my attorney. What I'm asking for is this account be removed and that they are in some way responsible for violating the laws that protect consumers from this type of behavior. If this is a true debt owed then they need to communicate via statement and give me proof of the debt along with a proper way to pay the debt. I've attached the document showing the credit bureau stating the discrepancy remains even though Discover can not provide any proof. It also shows them reporting late payments and a second account opened during bankruptcy.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The EXPERIAN AND XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX : {$370000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hello, I am reaching out because someone tried to open a few different credit card accounts in my name. I was alerted about the fraud by XXXX ( my actual bank ), via their credit monitoring service, that multiple hard inquiries were done on my credit. Hard inquires were done by XXXX, XXXX XXXX, and XXXX on my XXXX report. XXXX also pulled my Equifax report. The aforementioned applications are fraudulent. I reached out to the credit bureau 's and froze my credit ( the hackers/fraudsters who are impersonating me tried to open an account with XXXX while my credit was frozen but it appears that inquiry was blocked accordingly ). I also reached out to each of the institutions listed above to alert them about the fraud. According to the companies, those applications were marked as fraudulent and are in the process of getting pulled from their systems or an investigation was started by each company. That being said, in order to dispute the hard inquiries on my credit reports I needed to file a complaint with the FTC. When I tried I got transferred over to this website and that basically bring things up to the present moment. With this, I filed a police report with the XXXX Police Department earlier today to make sure all of my bases were covered. I can provide the report number or a copy of the police report upon request. I hope this can help resolve things somewhat cleanly since this is the second time someone tried to open accounts in my name in the past year. I was told fraud alerts were sufficient deterrents against this problem and though they were a good first line of defense, freezing my credit seems to be the only thing that will deter these fraudsters. I make a modest living and I worked for years to get my credit into a good place. Having that tanked by bad actors would quite literally ruin my life. I will be keeping my credit frozen for the foreseeable future and I recommend everyone does the same whether or not they have experienced a situation like mine yet. Thank you in advance for helping to resolve this matter.
Product: Credit reporting or other personal consumer reports

Account Opened in XX/XX/year>2025 with XXXX XXXX Hard Inquires 1. XXXX XXXX inquired on XX/XX/year>2025 2. XXXX XXXX XXXX inquired on XX/XX/year>2025 2025
Product: Debt collection

I am a victim of identity theft The date was open was XX/XX/year> with a balance of XXXX The name of the creditor is professional debt me No, not of this, and I would like for it to be removed from my credit report.
Product: Money transfers

Western Union is a horrible. This was done via website. I was declined twice for a small amount of about XXXX money transfer united states to vietnam. 1 ) declined using credit card cash advance method. I verify that my cc issuer did not decline this. It was declined after they called me and asked a few personal questions which i answered. 2 ) declined using WU pay. i paid upfront through bill pay service of my bank. After the funds cleared they decide to call me and basically ask the same personal questions. after a 20minute conversation, they decide to decline my transaction. no reason given on both occasions. i will never use western union again and they will always get negative reviews to anyone who will ask my opinion. 1 ) no money could have exchanged hands if these questions were asked during the creation process of this money transfer. 2 ) refund of wu pay takes 7-10 business days and i never received notification of this transaction being declined by phone.. i had to call back and ask. I still have not received notification of transaction being declined. now there is {$300.00} pending 7-10 business days for a transaction that took me 1 business day to clear. I asked why? they mentioned international transaction, which i think is a load of XXXX. the money should not have went so far, only to the bill pay address of a XXXX XXXX XXXX ohio ... and this is an electronic transaction.. bottom line, all of this is a waste of time leaving me the consumer having funds witheld due to westerns union 's erroneous policies. First of all, i did not even know there was an approval process to send my own money to a person i know. Secondly, what was the purpose of asking question and then declining on my behalf??? ridiculous..Now that i know this, i realize how stupid there transfer process is. All of this could have been prevented if the approval process was plainly stated before creating the transfer. In other words, the questions that they asked me, why could n't they ask me before i handed over my credit card and paid via bank bill pay? this is load of XXXX and a huge waste of time. i will find services elsewhere.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a credit check on XX/XX//22. There is an credit account that I did not open. It is with XXXXXXXX XXXX XXXX XXXX. I contacted experian and they reported to make a report with you guys.
Product: Credit card

To whom this may concern I apologize that I do not have my dates in order but this has happened unexpectedly I opened a XXXX Credit Card towards the beginning of this year. Possibly XX/XX/2024 I never received my first bill, and did not notice until I received the second bill in XX/XX/2024 with a late fee of {$35.00}. 
I called Comenity/Bread Financial and let them know that I never received the first bill, and they assured me that they would waive that fee and send me a new bill. I was told to hold off on payment until I received the next bill with the correct amount. 
I did ask at that time if I would be charged more fees and should I go ahead and pay the amount owed. Again I was assured that there would be no more fees. 
XX/XX/2024 I received my bill and there was an additional late fee on top of the first late fee. I called the credit card company again and asked to pay it in full there on the phone and close my account. I also asked that they send my confirmation via text or email of such. 
I never received an email or text and just received another bill yesterday XX/XX/2024 with more late fees. I called again and asked to pay the bill in full and to close the account. I asked again that they send me confirmation of my request while we were on the line and they assured me that I would receive such in XXXX to XXXX business days. Before I spoke to the representative I used the automated service to report my card lost or stolen in order to close my account. The automated response reported that my card was canceled and another account and card would be issued. I asked the customer service representative to cancel that as well and that I want no more cards/accounts with Comenity/Bread Financial . The representative assured me that all cards and accounts were to be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous certified letters to All 3 bureaus and never received a response via mail. One certified letter I sent was over 45 days until I had to call. It was about 4 accounts I asked them to validate and I never heard back from them. They stated it was verified almost 60 days when I called to follow up. But they never sent me what I requested. They have no actual evidence that those accounts are mine. 2 of them are actually hippa violations.
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 XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$0.00} 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, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

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

You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.
Product: Mortgage

we struggled working with Ocwen and now PHH we finally got a loan mod approved ; we made our trial payments of {$2500.00} per month. 
once we received the final loan mod ; both of us were sick with covid so returning the final loan XXXX was late. 
Now we have a foreclosure posted on our door ; PHH says we have to start over ; now they keep our money and want to start foreclosure
Product: Debt collection

XXXX XXXX delivered 2 stacks of papers last month to my home that were stapled together and not enclosed in an envelope. My kid answered the door and the person asked him 1. If I lived at this address and 2. If I was married. My kids dad passed away 21 months ago, so I felt this was a very inconsiderate question. Asking my kid if I was married is just downright creepy. Delivering legal documents not enclosed in an envelope made my entire family aware of my financial troubles and violated my privacy, because other people were in my home at the time of delivery. In XX/XX/2018 XXXX XXXX called me and threatened to take my home and I told them I already had a lien on my home and I could pay them {$50.00} per month and they said that wasn't enough. On the same call I told XXXX XXXX to stop calling me two to three times a day almost every day and to stop calling me in the middle of the night, because I got a too many calls from them between XXXX XXXX and XXXX XXXX. After that the night time calls stopped but the day time calls increased from one or two every few days to 2-3 a day, sometimes two days in a row.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 ) ( 1 ) 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

An unauthorized hard credit inquiry was made by XXXX on XX/XX/XXXX. The unauthorized hard inquiry is found on Equifax. As soon as I was aware of the unauthorized inquiry, I contacted XXXX via email and notified them. XX/XX/XXXX I received an email from a XXXX agent requesting more information in to the matter. After several emails back and forth with different XXXX agents and after several months later, on XX/XX/XXXX I received an email from a XXXX agent stating a request to mask or remove inquiry was placed on XX/XX/XXXX and it would take up to XX/XX/XXXX for it to be removed. XXXX, XXXX I checked my credit report and observed the inquiry was not removed. I sent another email on XX/XX/XXXX to follow up and received a phone call from one of XXXX agents. I was basically told what I've been hearing for the past year. They are working on removing the unauthorized inquiry. I was never told who conducted the unauthorized hard credit inquiry or what actions were taken to prevent future victims. This type of unauthorized inquiry impacts peoples lives in many ways. I'm hoping CFPB will help me resolve this issue.