23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After providing necessary documents and verbally having an agreement with signed documents, The servicer Ocwen decides to change the terms. I make XXXX a year now after starting a new job in XX/XX/XXXX and deserve a better term as first told. Having a Balloon and being told at XXXX, XXXX would be due in one lump sum is not acceptable. After showing concern the principle was allegedly reduced more but still Considered Ballooned. Not again what was stated earlier with the streamlined Hamp as described. Being able to pay down the debt with 3.12 interest as described with 40 year term was told as it would be. XXXX has been given XXXX a month since XX/XX/XXXX and the servicer tried on a holiday week to have timing is of the essence, sign, date, notarize by XXXX XXXX. Securitization audit and Quiet Title were requested with a QWR with all not being provided. Home Owner Bill of Rights and the issues with Investors servicers past and present should make this more unique workout solution. XXXX XXXX another lawyer is in jail now for realestate fraud and XXXX ipo issues that did Foreclosure rescue scam XXXX on me and I 'm tired of censured attorney chapter XXXX that would not let me fire him as his firm acquired info from Litton Loan and then said they were not doing a loan mod after they had us fill out docs stating different. Very unique people. Please advise, ... ... on my rights with the changing of terms that is not welcomed when I make enough income and they see that. Being scammed and represented illy is horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - mortgage account- too old to be on report ive tried to get it removed XXXX - XXXX and experian first went delinquent in XXXX  - cant stay on XXXX after opened was paid in full due to insurance coverage
Product: Credit reporting or other personal consumer reports

- Name : XXXX XXXX XXXX - Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, MI XXXX - Phone : ( XXXX ) XXXX - New ( XXXX ) XXXX - Email : XXXX Company Information : - Company Name : XXXX - Address : XXXX XXXX XXXX, XXXX, TX XXXX XXXX : I am submitting this complaint to request the immediate deletion of the XXXX account ( Reported : XXXX XXXX, XXXX  - {$1600.00} ) from my credit report. This account is inaccurate, and the derogatory marks are causing me significant harm. 

I invoke the following consumer laws to support my request : 1. _Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq._ : This law requires that credit reporting agencies ( CRAs ) ensure the accuracy and completeness of the information reported.

2. _15 U.S.C . 1681b_ : This law requires that CRAs verify the accuracy of disputed information and delete or correct it if it is found to be inaccurate.

3. _Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 et seq._ : This law prohibits debt collectors from engaging in harassing, oppressive, or abusive conduct.

4. _15 U.S.C . 1692e_ : This law prohibits debt collectors from making false or misleading representations.

5. _Consumer Financial Protection Bureau ( CFPB ) Regulations, 12 CFR Part 1022_ : This regulation requires CRAs to establish and implement reasonable procedures to ensure the accuracy and completeness of the information reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I opened an account with XXXX XXXX XXXX  for a used ( XXXX XXXX XXXX XXXX. I have payed my loan as agreed since the day the loan was opened. In XX/XX/XXXX, I noticed that they kept reporting that I was behind on my statement that came through the mail. I called and asked why they were stating that I was behind and they stated that it was error and the system had issues reporting. I asked would this affect my credit and I was told it would not. Well this continued so I called again XXXX XXXX XXXX with my wife ( who handles our finances XXXX, and they stated that they could not speak with her although I gave them permission. I tried to explain again and we went through the account and the CSR could not find an error and stated that he would forward it to another department and asked if we could send our records to them. We faxed our records the next day and received confirmation that it had been received. Months went on and this was still not corrected so we called back in XXXX stating that they did not receive a payment XX/XX/XXXX. We explained that the payment was made XX/XX/XXXX and they said they would fix it. They did not but it was still not affecting my credit. In XX/XX/XXXX we got the same explanation about they had not received our payment from XX/XX/XXXX and we disputed it and they said it would be handled by a manageXXXX. I applied for a loan XX/XX/XXXX and I was declined stating that I had three late payments on my credit report from XXXX and I called this morning ( spoke with XXXX-mgr ) and they said it was from XX/XX/XXXX. Again, this is not correct. They never called us back and they never contacted me at all by phone about my late status. I was never late. My due date is the XXXX of the month and the state of TN ( which was verified by XXXX XXXX gives ten days after the due date to get your payment to them. We always pay through XXXX XXXX using an e-check. I want my credit corrected and I want this company to stop antagonizing people whom they believe, do not have the sense to keep tabs on their credit. Please stop this practice. 
Thank you XXXX XXXX XXXX https : //santanderconsumerusa.com
Product: Debt or credit management

I was charged up front and misled by LexingtonLaw. They promised to remove things off of my credit report negative items and as far as I know, did not remove many if any at all and I was charged largely upfront over {$300.00} front and monthly multiple times without my permission I believe they are still trying to charge me. Also they used my information inappropriately. To this day are harassing me with emails
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Account for XXXX XXXX XXXX XXXX Afni Acct XXXX {$280.00} I have tried very hard to be reasonable and understanding of this issue. I disputed the validity of this debt after numerous calls stating I owed money. I explained that I was not aware of account and after 3 requests, you provided me with details stating it was a cell phone account with XXXX XXXX XXXX. I explained this was not established by me and even went as far as to provide you with a copy of a police report. 
Notwithstanding, the calls continued. Against the advice of my attorney, I denied your settlement offer and instead PAID THIS IN FULL. This is affecting my credit and my ability to purchase a new home. So being that I am in between a rock and a hard place, I chose to pay you to show that I want to work through this were we both come out better. The funds were paid via your website ( conf # XXXX ) via debit card. 
Now I simply ask that you remove this collection from my file. This was fraud. Under FCRA guidelines, it constitutes as a file for deletion. I was victimized -- you came out 100 % in this. The least you could do is remove this from my credit reports. Please communicate with me via mail at the address above
Product: Debt collection

AR RESOURCES INC Account number XXXX Recent balance {$5500.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$5500.00} past due as of XXXX XXXX THIS IS NOT MY DEBT TO BEGIN WITH. I ATTEMPTED TO CONTACT AND DISPUTE THIS WITH THE CREDITOR, THEY RUDELY DIRECTED ME TO WRITE TO THEM BUT LETTER CAME BACK REJECTED AND UNDELIVERABLE ... AR RECOURCES NOW CALLING ME AT XXXX AND STARTING XXXX AT MY HOUSE AND WORK AND THREATENED TO MY ASSISTANT THAT THEY WILL GARNISH WAGES AND SEND A SHERIF TO ARREST ME IF SHE DIDN'T PAY THIS DEBT TO THEM. THIS IS REDICULOUS AND SHOULD NOT BE LEGAL AND SHOULD NOT BE ALLOWED PLEASE HELP ...
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a severe and ongoing violation of my rights under the Fair Credit Reporting Act ( FCRA ) by Transworld Systems. Despite providing a police report, FTC affidavit, and proof of residency during the alleged creation of the account, Transworld Systems continues to attempt collection on an account resulting from identity theft. On my last CFPB transworld completely ignores the documentation I provided such as my FTC affidavit, police report, ID, proof of residency during the alleged account was created and still requested the same documentation in their repost to my complaint # XXXX. Its obvious transworld system does not care about the law and only cares about harassing people and violating their rights. They did not validate the debt all theyve done was provided a bill which is not enough in accordance to the law. 


This is a clear infringement of the following FCRA provisions : 1. **Section 1681s-2 ( b ) - Accuracy and Integrity of Information** : Transworld Systems has failed to ensure the accuracy and integrity of the data by persisting in collecting on a debt resulting from identity theft, despite documented evidence proving the illegitimacy of the account. 

2. **Section 1681b - Permissible Purposes of Consumer Reports** : The debt collector has not adequately validated the debt, even in the face of official documentation, including a police report, an FTC affidavit , and proof of residency during the creation of the alleged account. 

3. **Section 1681c - Requirements Relating to Information Furnished by CRA to Consumers** : Transworld Systems has continued to report inaccurate information, ignoring the evidence provided and perpetuating the harm to my credit report.

Immediate Action Required : I demand that Transworld Systems cease all attempts to collect on this identity theft account immediately. Furthermore, I insist on the immediate and irrevocable removal of all information related to this debt from my credit report within 15 days from the receipt of this letter. Failure to comply may result in legal action, as Transworld Systems can be fined under the FCRA for willfully reporting inaccurate information to my credit report. 

I expect swift action to rectify this ongoing violation of my rights. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Harassing phone calls, multiple phone calls, calling and disclosing personal information to relatives, this Citi debt is not mine.
Product: Money transfer, virtual currency, or money service

Money was transferred thru Zelle to wrong XXXX and couldnt get the money back
Product: Credit reporting or other personal consumer reports

As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 


XXXX XXXXXXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX {$0.00} XXXX  {$0.00}
Product: Checking or savings account

Youd have to get in contact with Wells Fargo because I was charged bunch of fees while having direct deposit of thousands of dollars before they closed my account that was a joint account with me and now deceased mother. Also when I deposited a check from a company that turned out to be fraudulent them still giving me not the whole thing but about XXXX dollars from it then finding out it was fraud and making us pay it back when were supposed to be protected from it as well as XXXX XXXX still taking money out of our account after my mother was deceased. An account I didnt even realize we had until months and months after her death because I was hospitalized from XXXX
Product: Debt collection

On XX/XX/XXXX, I was notified via email from XXXX XXXX that my XXXX mortgage payment was not made. I responded to that email indicating it was paid and I have receipt from their payment vendor that it was paid, however, I do not disclose sensitive information via email and asked for a callback. No response to my email. I then called the servicing department multiple times and the call is not answered. I left voicemails that went unreturned. I called another department with Prosperity Mortgage and got someone on the phone twice. The first person stated that there was no manager available and then hung up on me. The second person said no manager was available and tried to call servicing but no one answered for her either. Im trying to clear this matter with Prosperity before something is erroneously recorded on my credit but I am receiving no help from Prosperity in doing so.
Product: Payday loan, title loan, or personal loan

I borrow {$350.00} from Check into cash. I have been paying a refinance fee of {$55.00} once or twice a month sinceXX/XX/XXXX until the presence XX/XX/XXXX.Therefore, I have paid at least {$1600.00} XXXX on a {$350.00} loan. This loan have been paid 3 time.
Product: Debt collection

1. I have disputed the debt as invalid multiple times ( on phone and through letters ) but they refuse to acknowledge it and provide more details. 

2. However, they keep calling me and sending me letters in the mail multiple times.
Product: Student loan

I believe I am a victim of predatory loan practices. attended XXXX XXXX University from XXXX and graduated in XXXX. As the first woman in my XXXX-American family to graduate from college, I have struggled financially. Five of my loans with Navient ( formerly XXXX XXXX ) more than doubled from the original principle amounts. I have been in repayment for 10+ years and will not pay off loans and interest for more than 20+. This company is legally holding myself and others in financial bondage with no repercussion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received an email notification from my XXXX XXXX  account stating that a hard inquiry was processed on my credit through the Transunion credit bureau. The credit check was requested by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. Phone : XXXX. Someone has applied for credit using my social security number, ect. I am not sure at this time how my personal information has leaked. Also at this time, I am only able to see that a hard inquiry was done on my credit report. I am not able to see any new credit cards or open accounts as a result of this hard credit inquiry at this time. At this time, I am unsure if my married or maiden name was used to open an account and run the credit check. I have contacted XXXX XXXX through phone and e-mail. When contacted by phone, they said that they were sending my complaint to their fraud department. I just recently e-mailed the fraud department as a follow up and still waiting a response. In order to resolve this issue, I would like for the Credit Bureau to erase the inaccurate hard credit inquiry on my credit report. Thank you for your time.
Product: Student loan

Hello, My federal student loans were recently transferred to MOHELA. The problem I am having with my new student loan servicer is ( 1 ) they do not return my emails and ( 2 ) they have not updated my number of payments from XXXX to XXXX although I have submitted my documents verifying my employment with an approved public service institution over a month ago. All someone has to do is take XXXX minute to review this form and then update my account and no one has done this. 

Not updating my account in a timely manner could force me to make payments unjustifiably. Also, I do not understand why no one at MOHELA has yet to respond to my emails that I sent nearly two months ago when it says you will hear back from them within 5 - 7 days?

Please help resolve these two issues I am having with this new federal loan servicer, MOHELA. 

Thank you very much. 

Best wishes, XXXX XXXX, XXXX.
Product: Credit card

After examining my credit report, I've discovered several unauthorized account that have adversely affected my credit standing. I am deeply dismayed by your assumption regarding whether I've been a victim or not. Your authority or legal standing to make such claims is nonexistent. I firmly assert that this account is a consequence of identity theft and demand swift attention and resolution. 


I wish to clarify that I have neither initiated nor authorized the account listed on my credit report. This account has been opened fraudulently, without my knowledge or consent. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing reports. I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. 

I kindly request that you conduct a thorough investigation into the validity of these accounts and take appropriate actions to remove them from my credit report, as they are not the result of any legitimate transaction or credit application made by me. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied again and got this message " Thanks for your interest in the XXXX  XXXX XXXX XXXX from Marcus by Goldman Sachs. Were sorry to let you know we cant approve your credit application because you have applied too many times within a 30-day window. Please note that this is a protective measure intended to prevent fraud rings from repeatedly guessing your personal identification information in order to gain application approval. This decision will not impact your credit score. We appreciate you considering the XXXX XXXX XXXX XXXX. '' Talk about the pot calling the kettle black. Listen ... .I applied for that XXXX card. 6 times. Tonight. 

Check this out - the tax code contains provisions for " debt instruments ''. I assume that a debt instrument may be drawn on an employer identification number ordering the payment of information. 
Being that banks give credit ( really they give information ) in exchange for the information you provide on your application, which I presume is a 1031 exchange of real property under 26 USC 1031. I presume that this is the case because a business owner applying for business credit would have to use his/her personal information ( and therefore a personal credit check- which only serves the purpose of verification ) to obtain business credit which would make the utilization of personal credit an investment activity. It's just information- and I presume that the information could be considered as capital property under the Internal Revenue Code but that's another story. 

And then nobody wants to arbitrate and I guarantee that, if I haven't already found an IRS regulation or statute that is similar to the arbitration clauses in these agreements of the financial institutions which, as I'm writing this, I believe I may have already ran into, I'm putting it out there. 

You know what - I'm about to go ahead make this as clear and concise as possible and then put it out there. XXXX it
Product: Credit reporting or other personal consumer reports

Discover bank reporting inaccurate information in my credit file. This account was in litigation, and settled in court, but Discover bank continue to report wrong information to XXXX.
Product: Money transfer, virtual currency, or money service

Upon seeing a listing for computer parts posted to an app called XXXX, communication was initiated by me the buyer. Information was exchanged about the product then about shipping and finally about how to pay. The seller messaged me, the buyer, XXXX account information to send the money to. XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX were transferred around XXXX, on XXXX tXXXX of 2021. The seller then asked for the rest of the money so he can ship the products. I did not feel good about what had happened so I asked for more information about him and for some pictures. The seller then got caught in a lie and I figured out he was a scammer. His identity was fake but his phone number was belonging to him. He than blocked me after I had said I would not pay him any more and asked to return the money to my account. It was late and the banks were closed so I waited till the following morning. On XXXX XXXX of 2021 around XXXX I called the Chase bank and they said they could see if they can help. I just had to wait and call back at XXXX when the fraud branch of the bank opened. I waited and did so just to be placed on hold for thirty minutes and told there is nothing that can be done to return the funds.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inaccurate information that appears in my credit report. This information is inaccurate and should be corrected or deleted. The errors which prompted this credit report dispute include : XXXX XXXX. This account is not accurate. Please delete it. 
XXXXXXXX XXXX XXXX XXXXXXXX. This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX. This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX. This account is not accurate. Please delete it. 
XXXX XXXX XXXX. This account is not accurate. Please delete it. 
XXXX XXXX. This account is inaccurate, please delete this information. 
XXXX XXXX XXXXXXXX This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX. This account is not accurate. Please delete it. 
According to Section 611 of the Fair Credit Reporting Act, I am requesting that you investigate those items indicated, and promptly delete any inaccurate or outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from your investigation, I am requesting that an updated report be sent to me. Please investigate and update these items as soon as possible.
Product: Credit reporting or other personal consumer reports

I'm a victim of Identity theft. I have fraudulent account on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX ( balance {$9100.00} ). 

Please, see my identity theft report and documents in the attachments.
Product: Debt collection

This debt was paid in full but it still shows that I still need to pay
Product: Credit reporting or other personal consumer reports

After completing FTC, Identity theft report, and police report, chief inspector complaints. Experian, XXXX and XXXX still have not removed the second identity causing a conflict when pulling credit on report. I have included screen shots of public record request of which is searchable showing that there are NO public records but yet there is XXXX on my credit report. I have called capital one as well and they do not have any credit cards that are reporting collection on my credit report nor have they been reporting anything underway social security number. When I called Experian they could not provide an explanation and refused to transfer this issue to the fraud department as a complaint for interdepartmental fraud, meaning that it is XXXX of their employees causing the issue.