23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name is XXXX XXXX and I have owned my home for 27 years. I am now facing a foreclosure sale date on XX/XX/XXXX because the company that is holding my mortgage loan Seterus is refusing to reopen a review of my current financial information in order to qualify for a modification of restructuring of this loan. My mortgage loan is backed by XXXX and I have found out that XXXX has several new programs they introduced that are designed to help struggling homeowners. I have been struggling after being laid off in XX/XX/XXXX from my primary job. I was able to hold things together with money from my XXXX and seasonal income XXXX but was not able to afford my mortgage. I applied for help and ended up getting approved for a new modification, but instead of lowering the interest rate or the payment it actually made it INCREASE. Based on the money I was earning at that time this was not affordable. 

I have now been back working XXXX jobs for several months and my financial situation has improved. The problem is that Seterus has already closed my case, and refuses to give me another chance to be reviewed for modification programs and instead is trying to foreclose. There is no open case, no single point of contact etc. I thought that if your financial situation changes or improves that the lender is required to conduct a new review of the current information to determine what I could qualify for. I do n't think it is right or fair that Seterus is failing to offer me access to these government programs that I feel I qualify for. I am a XXXX veteran and working XXXX jobs to make ends meet. I have lived in this house since XX/XX/XXXX and have never had a problem paying my mortgage until the last two years. I feel that I deserve a fair shot and should be treated properly and given access to all available programs to try and save my home.
Product: Debt collection

On XX/XX/23 at XXXX I received a phone call from someone named " XXXX XXXX who did not disclose his name. I called back and was told that was his name. The number that called me was XXXX. When I called back, I was told it was an answering service. This person stated that he represented " Global Trust Management '' and was asking me to identify personal information. I informed this person that I am at work and would need to discuss this afterwards. I also asked the person to identify themselves, that I am a victim of identity theft and that my information was on the dark web and therefore, I can not confirm or deny any personal information at this time, until I could verify them. He then said, I'm going to advise my client to move forward. He threatened action because I did not verify with him and he did not verify with me. He kept speaking over me, did not give me any verifying information of the company. He threatened me twice with " I'm going to tell them to move forward. '' I don't know what that means. I don't know if this is a scam. I have not received any written notification of any debt. I would like to file a complaint in regards to the language of the caller and the manner that the call was being conducted as well as the threat to tell someone to move forward. Move forward with what? That's very disturbing.
Product: Checking or savings account

CAPITAL ONE HAS NOT DEPOSITED MY PAYCHECK. THEY ARE WITHHOLDING MINE AND EVERYONE ELSES DIRECT DEPOSIT AND HAVE NOT FIXED THE ISSUE EVEN THOUGH THEY SAID THAT ARE GOING TO RESOLVE IT IN FRIDAY MORNING. IT IS NOW FRIDAY NIGHT AND I STILL DO NOT HAVE MY MONEY THAT I HAVE WORKED FOR AND CAPITAL ONE STILL HAS NOT RESOLVED THIS ISSUE. THEY ARE WITHHOLDING MY MONEY ALONG WITH THOUSANDS OF OTHERS WHICH IS COMPLETELY ILLEGAL WE HAVE BILLS TO PAY HOW THE XXXX ARE WE SUPPOSED TO PAY OUR BILLS, GET GROCERIES, GET GAS IF CAPITAL ONE IS WITHHOLDING MY MONEY???????
Product: Vehicle loan or lease

The payment was made on XX/XX/XXXX buying out the remainder of my car lease for my XXXX KIA XXXX # XXXX. After expecting to receive my title in a couple weeks, I contacted Kia Finance and after a couple calls, I was told they made a mistake endorsing the title and had to request a dulpicate title from the NJ DMV which they said could take 4-8 weeks. I was expecting to sell the car since it's worth $ XXXX more than what the payoff was and then get another car. So on paper I have a car that's worth $ XXXX and since I can't sell it without having that title it is also preventing me from buying a new car and I am paying 13 % on a margin loan taken out for the funds to pay off the car. I believe KIA should compensate me for their error. It's been ten days since the last discussion with KIA and I have no idea how much longer it will take to get my title.
Product: Debt collection

XXXX XXXX opened on XX/XX/XXXX Balance is {$1000.00} Debt collectors are Ad Astra Recovery Service I have disputed through XXXX and XXXX  The most recent dispute was XX/XX/XXXX Started disputes on XX/XX/XXXX and sent disputes every time it was open again. 

This is not an account opened by me. I have never been to a payday loan place. I have no record of receiving XXXX dollars in XX/XX/XXXX.
Product: Debt collection

SCA Collections Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX To : The Office of Registered Agent for SCA Collections Inc. 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly vio-lates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXXu. You have 15 days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX has violated my rights. 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 an 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. Account has never been late.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Report Information Violations of 15 U.S.C. 1681e ( b ) & 15 U.S.C. 1681i To Whom It May Concern, I am writing to formally dispute multiple inaccuracies on my Experian credit report, which violate 15 U.S.C. 1681e ( b ) ( failure to ensure maximum accuracy ) and 15 U.S.C. 1681i ( failure to correct or remove inaccurate information ). Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to maintain accurate records and promptly investigate and correct any errors. However, Experian has reported erroneous negative accounts and incorrect personal information on my credit file, and I am requesting an immediate investigation and correction. 

Upon reviewing my credit report, I identified two charge-off accounts that contain discrepancies among credit bureaus. The first is a XXXX XXXX charge-off account, which is reported by XXXX, XXXX, and Experian. The balance is listed as {$310.00}, with a credit limit of {$800.00} and a credit utilization of 39 %. The account was opened in XX/XX/XXXX, and XXXX reports a closed date of XX/XX/XXXX, while XXXX lists the last activity as XX/XX/XXXX, XXXX as XX/XX/XXXX, and Experian does not report last activity at all. The second is an XXXX XXXX XXXX  charge-off account, also reported by XXXX, XXXX, and Experian. The balance is listed as {$230.00}, with a credit limit of {$600.00} and a credit utilization of 39 %. The account was opened in XX/XX/XXXX, and XXXX reports a closed date of XX/XX/XXXX. However, XXXX lists the last activity as XX/XX/XXXX, XXXX as XX/XX/XXXX, and Experian does not report any last activity. These inconsistencies demonstrate that Experian has failed to ensure maximum possible accuracy before reporting this information. 

In addition to the incorrect account information, Experian has also reported inaccurate personal details. My credit report incorrectly lists my name as XXXX XXXX, while my full legal name is XXXX XXXX XXXX XXXX. Furthermore, it includes an incorrect previous address, XXXX XXXX XXXX, XXXX, CT XXXX, where I have never resided. My correct and only address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. These errors are misleading and could negatively impact my credit profile. 

I formally request that Experian investigate these inaccuracies and provide verifiable proof that this information is correct. If Experian can not verify the accuracy of the disputed items, they must be removed from my credit report immediately. I have enclosed a copy of my credit report highlighting the discrepancies. If Experian fails to correct these errors, I am prepared to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant agencies, as well as pursuing legal action if necessary. 

As required by law, I expect a written response within 30 days confirming the results of the investigation and detailing any corrections made. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX, XXXX is trying to collect on a debt that was the result of identity theft but they are the type of service that would try to collect on a debt even if they know the truth about the debt.This XXXX XXXX XXXX, XXXX is in violation of the federal fair debt protection act 15 U.S.C. 1692.

The company that sent this account to you was sent may letters telling them that this account was opened through the result of identity theft.

This debt is not owned by anyone in this household.

Also XXXX  XXXX  XXXX  was told that the account was the result of identity theft. 
I would like to know why is XXXX XXXX XXXX, XXXX trying to collect on a debt that is the result of identity theft? 
Reference number # XXXX.
Product: Credit reporting or other personal consumer reports

I have disputed a collection account of {$930.00} on my credit reports that is inaccurate, false and hindering me greatly. But despite filing multiple disputes to each of the XXXX main credit bureaus it still remains on XXXX of my credit reports. 
The collection account was added to my credit reports on XX/XX/XXXX and is from a collection agency for an ambulance ride when I was transported from an XXXX  XXXX  XXXX I checked myself into for XXXX XXXX to an outside hospital ER due to XXXX XXXX XXXX. 
The rehab is a non profit behavioral health agency certified by the state. There was no cost to me. 
Several hours after being admitted to the XXXX XXXX a night shift employee woke me up to take my XXXX XXXX and after seeing the XXXX XXXX XXXX reading and unable to reach the facility doctor as it was the middle of the night then called an ambulance to transport me to the nearest ER despite my objections due to the fact I was under the care of a doctor already and had just been seen and assessed by the doctor on staff at the XXXX when I was admitted. 
I never received any bill or notice for anything, including the ambulance ride. XXXX of the XXXX credit reporting agencies did remove it from my report after the initial dispute but it still remains on Experian and Transunion. XXXX credit bureau says it will remain on record until XX/XX/XXXX and the other says until XX/XX/XXXX but all other sources state it will remain on my reports for XXXX  years which would be in XXXX. 
I would greatly appreciate any assistance or guidance concerning this matter as it is currently preventing me from acquiring housing amongst other things. 

Thank you
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and found some In accurate addresses, Name spelling, phone number, employment, and also inquiries that I did not authorize. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses, inquires, employment, and all FCRA laws that protects me and my identity from these issues My correct info is below and also Ive attached a cover letter so this will be a smooth and fast updated, please do not report! in accurate info on my credit report because this is considered identity theft, so please follow each step in cover letter thats attached and fix immediately
Product: Credit reporting or other personal consumer reports

I filed a dispute with XXXX in XXXX and they didn't update the amount owed, nor did they cease attempting to collect on the amount that was in dispute. I called, emailed and sent support tickets requesting that the amount be updated as well as clarity on what exactly was owed so I could pay it, however no one responded to any of my requests.

After numerous attempts to contact the creditor, I filed a dispute with the credit bureaus because the amount showing that I owed was wrong and the company reported me late 30 and 60 days. I reached out about the error in reporting and for the correction to be made to the amount owed. The company finally corrected the amount owed however they did not remove the late reporting to my credit report as promised. 

Attached is communication with XXXX XXXX about the information. They stated that they would correct the backdated history, however the 30 day late is still on my report. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion inquiry ( XXXX XX/XX/2021 ) XXXX inquiry ( XXXX XXXX These inquiries i have contacted both XXXX and XXXX companys and reported the inquiries i then contacted transunion and XXXX to have them deleted made a ftc complaint let them know i had the report and still refused to delete them Solution delete the XXXX and XXXX from my credit report from both transunion and XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX I applied for a business ( XXXX XXXX XXXX XXXX ) loan application ID ( XXXX ) amount {$100000.00} at Wells Fargo branch located XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, banker XXXX XXXX XXXX XXXX ( XXXX ). I never received any documentation in regards to why I wasn't qualified for business credit loan denial. I was just told by the banker XXXX XXXX. XXXX XXXX was very nice and professional. I don't want to put any blame on the banker for the reason of load denial. I just don't understand the reason the back office didn't approve my loan so I can prepare for another try for the loan again. At the time XX/XX/XXXX of writing the letter my XXXX score is XXXX I currently have no items in collections. My XXXX XXXX XXXX XXXX XXXX ) has been established since XXXX. I have been a customer of Wells Fargo since XXXX so my relationship with the bank has been well established. My reason for the loan is well justified as I'm trying to obtain equipment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I plan to apply for the loan again in the near future. Please provide me more information or better guidance on obtaining the loan successfully. So I can work on my business plan and obtain equipment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 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 within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of [ Installment loans, and XXXX XXXX ] from [ XXXX XXXX ] with a balance of {$0.00}, [ XXXX XXXX XXXX ] with a balance of {$550.00}, [ XXXX XXXX ] with a balance of {$210.00}, and [ XXXX XXXX XXXX XXXX  ] with a balance of {$180.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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. I have attached a copy of FTC Identity Theft Criminal Complaint # [ XXXX ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

On XX/XX/XXXX I emailed PHH to pay the second half of Summer Property taxes from my escrow account. 

On XX/XX/XXXX I notified PHH that the annual escrow statement was incorrect. I asked for a refund of the {$2000.00} that was in the account at the time of the " Annual Escrow Statement ( because they had not paid the second half of my Summer Property Tax ). 

On XX/XX/XXXX I responded to the incorrect Escrow Analysis letter and asked again for {$2000.00} that I paid for the second half of my property tax. 

PHH has not refunded my escrow that was available at the annual escrow statement.
Product: Credit reporting or other personal consumer reports

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : XXXX XXXX XXXX : {$4800.00} XXXX  XXXX Balance : {$2800.00} NAVIENT XXXX Balance : {$3300.00} XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 capital one pulled my credit without knowledge and or approval
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records I am unable to find any original contract documentations of any contractual relationship between name of company XXXX XXXX XXXX XXXX XXXX XXXX and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of anoriginal contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence ofa notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim againstme. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney orsell it to another Creditor without providing proof of the originalcontract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. Sincerely XXXX XXXX