23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Planning for retirement we acquired a rental property. 
From XXXX to XXXX we operated the property without any problems The property was serviced by Countrywide. ( The biggest lender at the time ) In XXXX Countrywide collapsed and was acquired by Bank of America. 
We lost our jobs and defaulted on the BOFA Loan. 
As soon as we regain employment, we filed a Loss Mitigation Application. 
We endlessly faxed updated financial documents to BOFA, but, NO MODIFICATION WAS PRODUCED BY BOFA. ( see attachments ) We were invited by BOFA to a new department called : " Loan Modification Made Easy " ( see attachment ) We endlessly supplied updated financial documents that Dept., but NO MODIFICATION WAS PRODUCED BY BOFA. ( see attachment ) Reading the attachments it becomes obvious, the Modification of this Loan was intentionally delayed by Lenders in order to take a bigger bite into the equity of the house.

The Mortgage Debt Soared by 50 %. 
In XXXX " The Inflated Loan ", was transferred by its owners, to XXXX XXXX  XXXX. 
At this point the THE DEBT INFLATED BY BOFA was now ready to be modified by XXXX in a matter of weeks. 
This Fraudulent Manipulation, made this mortgage unmanageable. 
Today we are being threatened by Foreclosure and Deficiency Judgement.

We are going to take Legal Action if this issue is not solved here.
Product: Credit reporting, credit repair services, or other personal consumer reports

The letter I sent to Equifax last XX/XX/2022 was to inform them that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any items and information not later than 4 business days after XX/XX/2022. Ive already included this account in my previous Complaints & I am including them again : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had a debt with XXXX XXXX  and it fell off after XXXX  years. Then after, XXXX collection agencies opened new accounts with XXXX different debt amounts. The first one has dropped off and the second one still remains impacting my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN REPORT NUMBER : RE : XXXX Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my Experian credit report, is the result of that XXXX 
Accounts : Account numbers : Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of XXXX, so I do not need Experian to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX XXXX XXXX XXXX if the consumer has provided documentation of XXXX to the agency. I have attached a documentation of my self-attestation to you XXXX. Survivors do not need to provide additional evidence to prove their connection to XXXX beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX : company name who I now see is rated F by the XXXX. So I may purchase a vehicle then submitted 1 credit application. They sent out my info to multiple lenders and gave me 6 hard inquiries on my credit without permission. I called all lenders to give a complaint and havent been responded to. XXXX hasent been very helpful. The companies whom hard inquires I did not give permission to are Santander USA, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 

XXXX inquired hard on my credit 3x consent wasnt given for any of these.
Product: Debt collection

There is degratory information appearing on my account for {$250.00}. This account is old. It was opened XX/XX/2012
Product: Credit reporting or other personal consumer reports

I Recently sent in a Dispute letter to Experian Regarding Inquiries i didnt approve. I also attached an official FTC report with the letter. The inquiries below i did not approve and i want these removed from my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

At the present I'm on a fixed income and I asked the bank if they can help me by reversing XXXX overdraft fees applied to my acct that took place in the month of XXXX, 2024. 4 of the overdraft fees were for {$70.00} each and then the remaining XXXX were for {$35.00}. The bank rep XXXX that I spoke to said he could only reverse {$35.00}. My youngest gets his {$940.00} XXXX benefits deposited in this acct every month and I can't have the bank taking almost half his benefits just on overdraft fees alone. Also I requested Overdraft protection but this is only given per a flawless credit score.
Product: Credit reporting or other personal consumer reports

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

I happened to check my credit report and I noticed that there is a debt on my credit report that I am not aware of. The debt collector is Security Credit Services. I have never received any letter from them or any telephone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ARCHILDSUPPT XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the companies listed below to provide proof and documentation for these inquiries on my credit profile. No such proof was found or given to me. 

XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

supporting identifying information for 4 day block and remove.
Product: Debt collection

XXXX XXXX stopped sending us bills and by the time we realized it 3 months later they had turned us into a collection agency. We are paying them {$100.00} a month for a {$1400.00} debt. Now theyre calling multiple times a day including early morning and late night. The message says its XXXX XXXX or XXXX at MCM. He leaves this number to call. XXXX Theyre harassing me all day and now want it paid in full instead of the {$100.00} a month we originally agreed on. Any help would be much appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reporting credit bureaus : Equifax, XXXX etc. My past credit has been deleted on accounts that state paid as agreed. I have been told I dont have enough types of credit ( I did but paid as agreed ). Also limits too high but they are new accounts less than 6 months old. I would think a XXXX XXXX  with credit history for over 40 years should have excellent credit IF all information is correct because I have never missed any payments! The bureaus all sell services like boost your credit score, and credit protection, etc. They want consumers to have low scores and Texas has the lowest in the Nation because of these tricks they pull. Like making their website look like the annual free credit report site. Why is this being allowed to continue? My score is XXXX fair? Ridiculous! Please note attachments. Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

There was several times that different institutions was taking money out of my account. And there was also times where money was scammed out of my account, and one of my other accounts was completely closed when I tried to make complaints against people who scammed me I was out of my money Without a way to get my money back because there was no live representative To assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries : Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I notice unauthorized inquiries reporting, I have called both creditor and credit bureau and have sent certified mail documents. 
XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX
Product: Student loan

I got sent a letter just now saying I owe money I never got into classes to get charged I dropped any classes that were originally sign up for I never took any courses I WILL not pay for somthing I never took. 

PLEASE remove this debt.it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving a letters in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1100.00} XXXX  XXXX  XXXX {$170.00}
Product: Mortgage

I received several emails from my current mort co NEWREZ XXXX regarding refinancing. I contacted them on or about XX/XX/XXXX to begin the refinance process. Anything they asked for i provided usually within 48 hrs. I stopped getting responses from my loan office, i contacted the main number to request someone contact me. Was told someone would call me back. No one did, this happened twice. I filed a complaint with the XXXX, the company response was that my debt to income was too high an loan was pending denial. 

This was not accurate, i contacted the company again. And emailed my original contact all my income and debts to prove this was not accurate. I was contacted by a processor named XXXX. She stated they would get my previous contact XXXX to rework the loan an submit for another review. From there it was preliminarily cleared, XXXX was tuff to get a response from as well. On XX/XX/XXXX she sent an email stating most items were clear underwriting and could i provide these last 2 bullet point items and we should be all set. I provided the information requested. Then i stopped being able to reach XXXX, tried several times then received an email from my third person XXXX, on or about XX/XX/XXXX he stated he was assigned to expedite my loan process and apologized for the delay. Asked me to provide mortgage statements, homeowners ins and tax bills. A long with a " note agreement '' from my other mortgage stating it included both house addresses ( its a multi family ) I sent the City Tax Assessors record to him with the house photo, description stating multi family. This was so we could get the loan complete in 5-7 days. That same day XXXX XXXX had the information. 

XX/XX/XXXX I emailed asking for an update. Was told it was with underwriting for final review. 
XX/XX/XXXX I emailed for an update, XX/XX/XXXX i emailed for an update, he responded he now needed 2 month full bank statements. Stating that should be it... I sent them that day. 
it is now th XX/XX/XXXX and im being asked for copies of checks that are deposited to show they go to specific leases. 

At this point its been 90 Days, I provided my tax transcript, my taxes, pay stubs, bank statements, even my reserve savings account statements showing enough balance for six months. And i have a retirement account. At what point is this descriminatory or denial by document request? I have exactly the same debt as i did one year ago when i bought the house. I did not have to provide copies of deposited checks then nor did it take 3 agents and 90 days to not be anywhere with my refi. My current job pays $ XXXX more then when i was approved to purchase and the house assessed higher due to the improvements weve made. Please review this case, i am contacting other mortgage companies to refinance with, but this has been ridiculous. And Ive already paid for the appraisal with this company. Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have contact the collection agencies and the credit reporting bureaus several times in hope of resolving this matter and correcting my credit report, but Equifax continue to violate the FCRA by reporting erroneous information in my credit report. The erroneous information comes from a XXXX XXXX XXXX for {$75.00} and XXXX XXXX for {$780.00}.
Product: Mortgage

On XX/XX/XXXX I received a letter from UWM saying we did NOT make our XX/XX/XXXX payment. I checked my account and we paid {$2100.00} on XX/XX/XXXX and then another {$100.00} paid on XX/XX/XXXX to cover the payment. I have payments automatically sent thru our account, our XXXX changed which I covered with the additional {$100.00} on XX/XX/XXXX. Please note my check was cashed on XX/XX/XXXX by UWM XXXX weeks after it was mailed, but still before it was considered late on XX/XX/XXXX. 

Then on XX/XX/XXXX another {$2100.00} was mailed and cashed by UWM on XX/XX/XXXX. I did NOT send in the additional money this time because I started getting these DELINQUENT NOTICES. Future payments will be the correct amount, Ive just had XXXX family deaths this year and Im the only child that is helping my parents and have been in Arizona quite a bit this year helping. 

So on Friday XX/XX/XXXX, I called the XXXX number listed in the DELINQUENT NOTICE, it was a collection company. When I explained I had proof in front of me that my payments were made and cashed by UWM, I was transferred to UWM. The first lady looked up my account, she stated that UWM had refunded and mailed me a check on XX/XX/XXXX because the payments were not EXACTLY right. As you will see from my banking account for this year, this has never been a problem before with additional payments being sent in. I HAVE NOT RECEIVED ANY checks, and UWM has {$4300.00} of my money right now in the payments I made. I asked to speak to a supervisor because I was getting frustrated, I was transferred 5 times, and not XXXX was a supervisor. Then I was told they were transferring me back to collections and I should make payment arrangements. At that point I just hung up because I was getting nowhere. Proof of payments and copy of bank report attached. 

On XX/XX/XXXX Mark and I decided since our house is being threatened, I scrounged up the money and called in MORE money {$4400.00} when I already paid you {$4300.00} for those 2 months. This seems like fraud on so many levels! 

I want the late fees removed, I want our credit fixed! And PLEASE sell our loan!!
Product: Credit reporting or other personal consumer reports

Please block and remove the following accounts Due to Equifax data breach.XXXX XXXX XXXX bal. {$230.00}, XXXX XXXX XXXX XXXX. {$330.00}, XXXX XXXX XXXX. {$5700.00}, XXXX XXXX OF XXXX XXXX. {$2700.00}XXXX XXXX XXXX  bal. {$8400.00}, XXXX XXXX XXXX XXXX XXXX. {$700.00}, XXXX XXXX bal. {$420.00}, XXXX XXXX XXXX XXXX XXXX. 
{$4100.00}, XXXX XXXX XXXX XXXX  XXXX. {$2000.00}.
Product: Debt collection

Called me at XXXX on XXXX/XXXX/XXXX with a recorded message. Call often after XXXX. Calls all the time from spoofed numbers. Always a recorded message. Always implying legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed this Target account over the past 2 years and nothing has been done to correct the issue. XXXX finally removed the account and then reinsert the account without my knowledge or notification. Target is required to provide validation to me and XXXX before an account can be reinstated and Target did not. XXXX is supposed to notify me within 5 days according to the FCRA and XXXX failed to do so. XXXX must permanently remove this account and not allow it to be reinstated. The CFPB must report Target to the FTC and hold XXXX responsible and pay me for the multiple violations. I can show proof that XXXX has allowed at least 3 violations per month for at the minimum of 2 years. The CFPB can look at the record of my complaints and documentation provided to justify my monetary judgment and XXXX refusal to pay. I was willing to settle and XXXX refusal because of the impoper investigation. I'm willing to settle for {$24000.00} which is {$2000.00} per month for a year. I could get more plus lawyer fees because the FCRA has laws and guidelines that must be followed and XXXX has violated each and every one. XXXX must be held accountable and I'm entitled to payment within 14 days and the removal of this account. Target has violated rules of the FCRA as they haven't validated this account or provided the original contract and yet the account remains. Target has continued to reage and report inaccurate information and XXXX is guilty of allowing them to continue to hurt my credit. I'll be able to show because of XXXX allowing Target to reinsert the account, reage, and report inaccurate information I was denied for a mortgage. XXXX must pay for the violations it has allowed by Target and any refusal or no payment in 14 days justifies a lawsuit and attorney fees. I've been patient and tried to settle this by filing the necessary complaints and I've yet to get my credit report corrected and the monetary money I'm owed for violations.
Product: Credit card or prepaid card

My identity was stolen XX/XX/XXXX. Every credit card and debit card I owned was informed. In early XX/XX/XXXX ( around XX/XX/XXXX ) I called capital one to pay a balance owed of {$300.00}. I was informed that it was paid in full. When I tried to use the credit card it was denied. I called capital one back to inquire and found out that there was a second credit line opened with capital one that I did not authorize, also {$300.00}, that credit line had already been emptied. I informed capital one that I was not the one who opened this account. I was transferred to their fraud department to make a claim. Later I was informed that the balances owed on both credit lines through capital one were attempted to be paid with my debit card that was closed when my identity was first stolen. Up to 17 times, in the month of XXXX, Capital one allowed an identity thief to continue trying to pay on credit lines that were reported as fraud with a bank account that was closed. This again was reported to capital one as fraud. I was transferred to a manager who said they would investigate. I stayed on the phone during this investigation, when it was done, the manager told me they did not see any evidence of fraud and I would be liable for all charges. I asked to speak to someone higher and was denied multiple times, being told that I was speaking to the highest level of authority at capital one. Days later I called capital one again to try settling this issue, when I was transferred to a manager, I told them my name and I was hung up on. Capital one allowed the identity thief to change my account information multiple times even after I had called and corrected it. They denied my fraud claims even after given them the police report number. I have further proof of this identity theft at this time.
Product: Student loan

I have been trying for over a year to pay the compounding interest on my federal student loans from Edfinancial. As I am a current student, I have no principal payments due, but I have been trying to make regular payments on my interest in order to prevent it from compounding to large sums by the time I have to make payments on the principal amount. I made several payments online to Edfinancial - in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - and only after the third payment realized that they were not being applied to my interest but rather to the principal amount. I called Edfinancial 's customer service and was told that they have a policy by which interest can not be paid within 120 days of any loan disbursement, meaning that my payments would only be applied to the interest after 120 days had passed following my most recent disbursement. The representative I spoke to told me there was no way around that rule. 
I, however, attend a university that follows a trimester schedule, meaning that we have three terms per academic year, each lasting ten weeks and with no more than six weeks of break between them. This means that there is no point during the academic year in which 120 days can pass between loan disbursements, as I receive a new disbursement at the beginning of each trimester. Thus the first and only time I was able to make any sort of interest payment on my loans was on XX/XX/XXXX, at which point my interest had risen to {$150.00} - precisely what I had been trying to avoid by making early and frequent payments. In the time since I made that payment, my interest has again risen to nearly {$40.00}, and I have no way of making a payment towards it. I again contacted Edfinancial in early XXXX of this year, this time via their customer service email line, expressing my continued frustration at their intentional hindrance of my ability to pay my interest and indicating again that there is no time between the 120-day period in which I could pay any interest. Their customer service failed to contact me back. 
I have also gone to my university 's financial office and spoken to them about this issue, who echoed my sentiment that it is a right of mine to be able to pay my interest and it is unjust of Edfinancial to preclude me from doing so. They, however, were unable to assist and instead encouraged me to pursue these means of resolving this issue.