23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am in receipt of a very weird and strange Email. They claim so and so of what I do not understand. I did not apply for any loan and/or credit. But I received a notice portraying reports from XXXX and a company which is called XXXX. I suspect that a histrionic activity is either scared of losing attention and/or not gaining attention whichever way would work for them. But I do not believe that the country would choose stalking as an option to get out of its own dark on the expense of others. I suspect retaliation and/or some kind of persecution by someone who stole my identity and started some kind of punishment.
Product: Mortgage

We have made several attempts to refinance, We would like to refinance and remove balloon payment. We have received a modification only short term. Looking to remove balloon. We have made several attempts.
Product: Credit reporting or other personal consumer reports

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, opened XX/XX/XXXX XXXX XXXX : # XXXX, opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, opened XX/XX/XXXX I reviewed my Experian credit report on XX/XX/XXXX, and noticed several inaccuracies and incomplete information. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as stated in 15 USC 1681e ( b ).

Furthermore, under 15 USC 1681i, they are required to handle inaccurate or unverifiable information as follows : Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Additionally, according to 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Given these circumstances, I request immediate correction and compliance with the FCRA requirements. Please confirm receipt of this email and inform me of the actions taken to rectify the inaccuracies in my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed with experian, XXXX and TransUnion about 4 accounts on my credit file, Per the FCRA they have not provided me any documentation on file to verify that the information is mine and correct, I have written this company 2 times. I have disputed with the collection agencies XXXX XXXX and XXXX XXXX XXXX also.These companies have failed to provide me any evidence, beating my signature, showing that the account is being reported accurately. All they have provided me is a copy of a bill. Per the FTC a printout of a bill or itemized document does not constitute verification. please help me resolve these issues that I am having. 



The accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXy XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not updated or notified on the status of my investigation.
Product: Mortgage

1. The mortgage company has not given me a credit correction letter addressing the specific errors and how they should be updated to my credit file. 

2. Mortgage company has not released or applied my escrow funds to my mortgage account.
Product: Mortgage

Started a refinance in XX/XX/2021 with Lakeview. Spoke with XXXX XXXX who said we qualify for a XXXX Mortgage. After running credit he called back several days later and said we did not qualify but may qualify for another loan. Did not hear back from him or anyone else for almost a month. Was contacted by another XXXX XXXX, XXXX XXXX, who said we were in his que and needed to submit paperwork to qualify for a XXXX XXXX at 3.5 % .Although we had already submitted the paperwork he is requesting, we submitted them again. In the months proceeding other loan documents were sent to us to sign and send, with no explanation by the XXXX XXXX. This Process went on until XXXX ( XXXX - XXXX!? ) I reached out to the Compliance Department/Issues Resolution and spoke with XXXX XXXX XXXX XXXX XXXX to request we do not work with XXXX and XXXX due XXXX an already confusing, back and forth, vague, requesting of documents ( that we have already sent ) and non-transparency. In between days corresponding with her I received another email from XXXX XXXX to sign a XXXX of Denial. Assuming she hadnt spoke with anyone about our concerns, I emailed her once again and received an email she was out of the office. On XXXX she emailed saying she reached out to the Originations XXXX XXXX team. After receiving a call from another Mortgage XXXX XXXX ( I guess that was her resolution ) He stated we could close by XX/XX/XXXX at 3.5 %. We agreed to move forward. We have complied with all and everything Lakeview has required. We completed a house appraisal, received instructions to repair peeling paint per FHA, cleared the title then received another call from another XXXX XXXX. Now, the Underwriter has requested we need to get another appraisal because the loan number was not the same with the appraisal on it. She also says, we do not have proper house insurance coverage ( when in fact we do. Insurance agent was very confused why Lakeview did not read the House XXXX documents correctly ). After clearing up the house insurance and speaking with the Mortgage XXXX XXXX he said he needed to change the loan number and is having a problem with the Mortgage XXXX. Crickets. When we started the rate of 3.5 % was promised to us until close. Now we have lost all communication with our current Mortgage XXXX XXXX. He has not returned our emails or calls. I am writing this complaint because we have been trying to refinance with Lakeview since XXXX. Because the mortgage rates have gone up, we are afraid we have missed out on an opportunity to refinance at a lower rate. This process with Lakeview has been nothing but unprofessional ; with their false claims, redundancy and shadiness. Our hands are tied and we know we are being taken advantage of. The process leads to the Underwriter, then we run into another issue due to their incompetence, unprofessionalism and lack of communication. No one has apologized, there has been no accountability and now, no communication. Crickets.
Product: Checking or savings account

Let me first say that I have been a BB & T customer for many years, Mortgage, checking, savings, etc. accounts. On Saturday, XX/XX/XXXX, my husband and I went to the bank to add my adult daughter 's name to our account. Prior to this date, she was not on any of our accounts. Today, XX/XX/XXXX, I check my account only to find a forced debit of {$270.00} which was due and owing on the account of XXXX ( my daughter ) and her partner ( XXXX ) for and account opened some years prior. Obviously, I 'm upset because we only added my daughter 's name because we felt like we needed to have someone else 's name in case of an emergency. Now had we known that this would cost us their bill, we would have reconsidered. Given that we only added her this month XX/XX/XXXX, we feel that it 's unfair to penalize us for their poor banking practices. How often does this happen to others?
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. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX BAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account was paid. XXXX is saying account was never late. I have email from them. Credit collection company wont do anything as they are saying the account is closed so its not their repsponsiblity. 

XXXX can't do anything as they are not showing the account was ever late. 


CREDIT CONTROL SERVICE Original creditor : XXXX XXXX XXXX XXXX XXXX Balance details Paid off - Balance - Balance updated - Original balance {$550.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Paid, Closed. 
Status updated XX/XX/XXXX Payment summary XXXX XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement **CONSUMER STATEMENT** ACCOUNT WAS PAID BEFORE BEING TURNED OVER TO A COLLECTION AGENCY. 

Contact info Name CREDIT CONTROL SERVICE Address XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Product: Debt collection

I have mailed certified le tters to Swiss Colony, a nd   XXXX   regarding this account.     XXXX   XXXX   to Swiss Colony   XXXX   XXXX   to Swiss Colony   XXXX   XXXX   to  XXXX  They claim I owe {$240.00} to an account that is not mine, or related to me.     I have asked numerous times for documents/contracts bearing my signature and they refuse to provide.      Swiss Colony sen t a letter to me  X/XX/2017    asking for information from me including a signed affidavit. I do not need to provide them a thing, and they continue to say things are mine, and  XXXX  is not deleting and claiming they verified account with  Swiss Colony with no signature.
Product: Credit reporting or other personal consumer reports

I am grateful for your work in correcting my credit information by removing some of the erroneous entries. However, there are still some items that need to be addressed and removed. I recently checked my updated personal credit report and I noticed many unauthorized credit inquiries still remain on my personal credit report. I contacted these companies and asked them to remove their credit inquiries from my credit profile. I previously requested that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. And I know your investigation is complete, and you find my allegation to be true, so, please remove these inquiries and send me an updated copy of my credit report at the address provided : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The inquiries I am disputing do not concern any transactions involving the acquisition of goods, services, or funds that I have initiated or approved. Thank you for your assistance in this matter.
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. 
The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( 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 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

The company only calls when there is a payment due. Have not seen any improvement in my credit they are just taking my money without improvement.
Product: Money transfer, virtual currency, or money service

My last claim number is XXXX. I have not been contacted since XXXX by the support team. No one followed up and asked for anything. I tried to get in contact with Coinbase. No one responded. I lost my money without authorization from Coinbase. The platform is not safe. I am going to share my experience with everybody and the media if the problem is not solved. Please solve the problem and refund as soon as possible!
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXX I contacted IQ Data International in regards to setting up a payment plan on debt. I had never been notified of this debt until it appeared on my credit. Initially, they were very pushy about me paying the debt in full even though I explained I can not at this time. I was allowed to pay {$100.00} toward the debt. I was told that I could not set up a payment plan, so I said I would simply call back and make future payments when I am ready. I was transferred to a supervisor to discuss this further. The supervisor got on the phone and immediately began to berate and belittle me. She used very abusive language and would not let me speak. She would place me on hold in the middle of me trying to talk to her. She threatened to ruin my credit because I was not paying the debt in full, even though I made it clear that my intention was to continue to make payments on the debt. She would not even hear any explanation from me. I have never been talked to so unprofessionally. It caused me significant emotional distress. I was simply trying to call this agency and make a payment on an account and I was met with such hostility. Now I feel a scared to have any further communication with this company to continue to work on a resolution of this matter, due to fear of having to again speak to this hostile and abusive worker who is apparently a supervisor.
Product: Debt collection

This debt appears to be the result of either identity theft or fraud. Consumer has no knowledge of this debt and has attempted to get additional information from the debt collector about it. This matter has also been reported to XXXX.
Product: Credit card or prepaid card

On XX/XX/2019 I made a payment of {$1900.00} on my Discover credit card that resulted in a balance of XXXX. After the payment processed I made multiple purchases between, XX/XX/2019- XX/XX/2019, that totalled {$910.00}. Today, XX/XX/2019, while attempting to make a purchase at a XXXX. My credit card was declined and I learned that my credit limit was unknowingly decreased from {$2000.00} to {$500.00}. I proceeded to contact Discover and a representative informed me that notification of the decision was being mailed out to me. This presents a problem, as I'd already made purchases that exceed the amount of my new credit limit prior to it having been lowered. Additionally, this results in my revolving credit usage percentage for this card now being around 200 %. Which negatively impacts my credit score and report. I am very upset by this. Had they'd made and communicated the decision to lower my credit limit upon me making my last payment. I would have refrained from using the card. I feel that everything was processed and communicated poorly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 consumer portfolio pulled my credit report without my knowledge or approval
Product: Debt collection

XXXX XXXX SOLD TO FRANKLIN COLLECTION SERVICE, INC  CASE NO.XXXX, CLIENT NO.XXXX IN THE AMOUNT OF $XXXX AND SENT TO 9 OTHER AGENCIES ALL COLLECTING A FRAUDULENT ACCOUNT.YOU ARE IN VIOLATION OF THE DODD-FRANK ACTS.O.L. EXPIRED
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX  ) appropriate proof of the identity of the consumer ; ( XXXX  ) a copy of an identity theft report, ( XXXX  ) the identification of such information by the consumer, and ( XXXX  ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and noticed that Experian, XXXX, and XXXX are reporting inaccurate information on my credit report. I do not recall doing any business with any of these companies ( XXXX XXXX XXXX Account # : XXXX for {$370.00} and XXXX XXXXXXXX XXXX Account # : XXXX for {$160.00} ). I also want all the addresses below deleted as I no longer live there, and some of these I do not recognize. ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, ( XXXX ) XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

Greetings, It has come to my attention that I allegedly owe {$660.00} to Paramount Recovery Systems for a debt owed to XXXX XXXX XXXX XXXX updated XX/XX/XXXX on XXXX XXXX account. I have XXXX since atleast XX/XX/XXXX with RIN # XXXX. I started with XXXX XXXX XXXX and have been updated to XXXX XXXX. At this time, I am requesting that this be removed from my credit report immediately for it is illegal to charge the patient when I had coverage at the time. I presented my coverage information at the time of service. The issue is with the individual who was supposed to process my insurance payment on behalf of XXXX XXXX. The number to XXXX is XXXX. I petitioned this about 6 months ago and it was removed immediately by XXXX XXXX XXXX XXXX. I am lost about how it can be bought by another company.
Product: Debt collection

We had Discover for almost a year before spending was made. The plan was to pay the card after the holidays of XXXX. Paid a few payments and then the pandemic made an impact and cut working hours from 20 to 30 hours to only 10 hours. On top of that, it was a biweekly pay period that only equaled normal pay for a week. The claim was made in XXXX and during that time was still working at the same job at that time with similar hours. Later transferred to other work to get let go. During this time had to keep a roof over our heads, food on the table, utilities on, car insurance, and car payment so we could have reliable transportation. Many local employers don't even pay minimum wage let alone a living wage. Many assistance that are local could help. As of today, XX/XX/XXXX, there has been little to no contact and what communication we did have has been threats of not paying then they'll take us to court. A police officer came to our door with a court summons indicating threats of imprisonment. At this time we have no way of even paying our bills let alone the {$2500.00} debt that is owed. We want this debt gone as well as the company but it's hard to do so when the state of the world and economic department hasn't looked all that great. It's been a couple of months without work and unemployment has been harder to get. The fear of losing our home and everything was the main problem but then adding this on top has really been difficult for everyone on this side. The emotional stress that has affected our mental health has been terrifying to say at least. We'd like to file a lawsuit against Discover and the debt collector assigned to our case for mental and emotional stress and would ask for the whole amount to be opted out or more grace when paying the debt. We would be willing to work this out so things won't end up messy but at this time we don't think that's the case. In today 's age, many others have been in this same situation and that's why credit cards are becoming a thing of the past. It was also said in the summons that there was a previous court date which we failed to be informed of as well. Please get back to us as soon as you can so we can get some help. With the world today we hope there's still good people out there to help others! Thank you for your time.
Product: Mortgage

Attempted today, XX/XX/XXXX, to get my mortgage servicer, XXXX XXXX XXXX d/b/a " Mr. Cooper '' to postpone the scheduled foreclosure sale of my home ( XX/XX/XXXX ) in order to begin a loan modification. I was unable to afford any modification prior to today. 

A modification, according to them, must be requested 37 days before the scheduled sale date of the home. 

While the servicer is willing to engage in a modification, they are so far refusing to postpone the sale, which is scheduled for Monday, XX/XX/XXXX. I know that, if they postpone the sale for 45 days, that would be enough time to have begun the modification process and make the first trial payment.
Product: Debt collection

XXXX XXXX has been calling my home to collect a debt owed by my XXXX year old daughter. They are now calling my cell phone number which I use for my business. This has been going on for almost a year. I have told them numerous times my daughter has not lived with us for years, to stop calling us and they continue to harass us. I block their number every time they call but they call from several different numbers.