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

Capital One holds two accounts A Walmart Credit Card and a Platinum Card that are the result of identity theft. 
After discovering these as well as associated contact information ( XXXX. And unknown addresses ) on my credit report linked to these ; I contacted Capital One and filed appeal. 
The agent requested my contact information and explained that its necessary to update the contact information for these fraudulent accounts that were made in my name and with my social ; the fraudulent credit card accounts now have my valid and true information such as address and phone number associated with the accounts I called to report- as the agent updated the contact information for the accounts and stared it necessary. 
The appeal was denied and I received letters stating no error was found ( despite my explaining that no information such as phone number or addresses on thise accounts not belonging to me )
Product: Credit reporting, credit repair services, or other personal consumer reports

I delivered a certified letter to Equifax on XX/XX/2022 disputing fraudulent inquiries. Equifax sent a letter dated on XX/XX/2022 stating that they were going to keep the inquiries on my consumer report. I also had fraudulent inquiries reporting to XXXX. However, XXXX deleted them.
Product: Checking or savings account

In XX/XX/2019, ( weeks 3-5 ) I encountered a breach in my COMERICA BANK checking account, and COMERICA BANK did not notice ; this was likely due to a breach in their online services and my account was hacked, which allowed a piece of sh*t to try to steal over {$25000.00} directly from my checking account. The follow-up from the bank was pathetic, and I was not notified of any actions taken when MY MONEY WAS STOLEN ON THEIR WATCH! This is completely insane, really, and I deserve answers, not a non-response and a nearly-impossible-to-contact company who tries to use automated answering robots instead of actual humans ( I called 4 different times today and the stupid automated voice said the same thing each time " we are experiencing a high volume of calls, your wait time will be about 40mins '' ).
Product: Bank account or service

In 2014 my purse was stolen from me with all of my banking information inside of it including my Pin number and account information to the TCF bank. As I went in to try and close the account and get a new credit card the bank had explained to me that a fake check was deposited into my account for {$2500.00}. I then filed a claim and a police report and also got my lawyer involved with this issue. I sent in multiple pieces of evidence showing that I was not the one who applied the fake check into my account, these are documents I still hold with me today. After sending in all of the information I had on the identity theft the bank came back and said that I am responsible for the incident and I have to pay the money back even though I sent in evidence showing it was not me. This has been going on for over a year now and is preventing me from making any further life changes with this on my credit report. I am not allowed to have a bank account and I am unable to find a place to live or buy a car due to this issue. I am not sure why during investigation they did not look at surveillance cameras or anything else to help solve my case but I can still prove today that I am not the one that deposited the fake check into my account.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CHOICE RECOVERY XXXX Balance {$220.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Need to file against 2 companies for incorrect information on credit report XXXX XXXX, To date they have not report the account paid in full which was done of XX/XX/2022. 2. I have a letter stating they closed the account and was going to reported it closed and turn over as a collection account. I spoke to them and ask that they change it by disputing it with them and they said it would take 30 days back on XX/XX/2022 still not correct or showing paid in full as of XX/XX/2022 Second company is XXXX XXXX XXXX card for XXXX XXXX XXXX XXXX XXXX : I have several message back and forth with them wanting to know why they closed by account and reported it to the credit reports. This account was also paid in full on XX/XX/2022. They are telling me that prior to payoff amount that they had a return check from XXXX XXXX XXXX so that's why they closed my account. I have asked for proof and they will not supply it and won't dispute the account and correct it as they were asked.
Product: Mortgage

1. We received incorrect guidance from the Loan Officer ( LO ). Hes supposed to know Lenders guideline and advised us correctly. I only have a business bank account, money in and out and I didn't want to provide bank statement. The LO confirmed several times that bank statements are not needed when I can provide Profit and Loss statement from my CPA. We would not submit the loan to him if he answered differently. Near the end of the process, the lender asked for bank statements and refused the loan. 
2. I submitted the loan application on XX/XX/XXXX, but the LO didn't submit it to the lender until two weeks later. I didn't hear anything from the lender until late XX/XX/XXXX - request documents for conditions, when the lender refused my loan application at the end of XXXX. The builder said it took too long for me to get a loan so they canceled the contract without refunding the deposit money, even though I and my Realtor were going to submit a loan application to another lender right away. 
3. The LO didn't understand the process, locked the rate too early, and promised a rate/fee. Then said that we could close on-time before the rate lock expired XX/XX/XXXX. We didn't receive request for documents until XXXX XX/XX/XXXX, the LO said if I could provided all required documents by the end of that weekend which was XX/XX/XXXX, he could close the loan on-time which is wrong. There is a process of Loan Estimate, Initial Closing Disclosure then Final Closing disclosure which is at least 5 days, he would have to extend the rate ; also after I provided several items, there were more and more requests from the lender. If I was going to close the house with this lender, I will have to pay a very expensive extension rate due to the negligence of the LO. Please see attachment for more information. He never disclosed when he locked and when the rate lock expired until my realtor found out and it was too late. He locked too early while the lender was too slow then quietly sent me a Loan estimate which has higher cost and told me that was extension fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit report Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original sign consumer Dash any and all accounts you post on a credit report. Otherwise anyone paying for your reporting Services could fax, mail or email in a fraudulent account.I demand to see verifiable proof ( and original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the fcra, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.I demand the following accounts be verified or removed XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, XXXX. XXXX  XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, XXXX remove incorrect addresses XXXX XXXX XXXX XXXX, Ohio XXXX. XXXX XXXX XXXX XXXX XXXX to me XX/XX/XXXX, XXXX According to the fair credit report Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original sign consumer Dash any and all accounts you post on a credit report. Otherwise anyone paying for your reporting Services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( and original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the fcra, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX. 
XXXX. XXXX XXXX XX/XX/XXXX Please remove incorrect addresses Addresses : XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX. 
XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX, XXXX michigan, XXXX XXXX. XXXX XXXX XXXX XXXX Apartment XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX Apartment XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX Apartment XXXX, XXXX XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX MI XXXX Please remove incorrect phone numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Please remove incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove incorrect date of birth : XX/XX/XXXX 1987
Product: Credit reporting or other personal consumer reports

It appears account was reported 30 days late XX/XX/XXXX last updated on XX/XX/XXXX. I applied for the accounts to go into forbearance or deferment status due to financial hardship. The account is currently closed. 

XXXX TransUnion XXXX XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

After the CARES Act, I filed for mortgage forbearance for 6 months ( XX/XX/XXXX ) from my service provider. That was a problem because I was initially told I did not have a federally backed mortgage, which was untrue, because my mortgage is backed by XXXX XXXX. Eventually, I received that 6-month forbearance after much back and forth, phone calls, etc. 

Servicer : Select Portfolio Servicing Inc. 
Loan Account Number : XXXX Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Payment Select Portfolio Servicing , Inc . 
Attn : XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX, Customer Relationship Manager, ( XXXX ) XXXX Ext : XXXX XXXX What is happening now : I requested by letter to my provider twice, XXXX XXXX and XXXX XXXX, XXXX ( as well as verbally on the phone ) to add an additional 6-month forbearance which the CARES Act provides me. On XXXX XXXX, instead of responding to that additional 6-month forbearance request, they sent me an " Assistance Decision Review Notice '' as part of a Loss Mitigation Program Decision stating that I now had a new payment and payment date starting XXXX XXXX, XXXX. The letter stating " Congratulations! You have qualified for and we are pleased to offer you a SPS Trial Modification. This program is intended to help you avoid foreclosure or other legal action. '' On XXXX XXXX, I sent an email to my relationship manager, XXXX XXXX ( XXXX ) as well as submitted multiple letters online re-stating my request for additional 6-month forbearance. It is not time to discuss what happens when the forbearance ends. My plan was to add the add the payments not made to the back end of my mortgage. The mortgage 's current principal balance is currently {$26000.00}. 

What I want : I want my servicer to adhere to CARES Act rules by permitting my request for an additional 6 months of forbearance. I want not to have to keep doing this dance with them into perpetuity. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Mortgage

In XXXX I applied for the homestead act in Texas. The property tax account was split into two parcels for both owners. Account 1 was paid while mine, account 2, was not. XXXX county sent me a bill with the missed tax payment in XX/XX/XXXX. I called XXXX to make them aware of the issue and was told to email over the notice received from the county. After that I received no call back so I called and was informed it was " under review ''. I kept calling once a month to check the status and was informed that it was still " under review ''. In the meantime I received monthly notices from the county indicating added penalty and interest to the original amount of {$3000.00} to what it currently is now {$4300.00}. On XXXX XXXX I received a notice from the XXXX County representative law office XXXX XXXX XXXX and XXXX, XXXX stating " Notice of Delinquent Taxes ''. The letter went further to say " suits will soon be filed against persons who have not paid their delinquent taxes. Once suit has been filed a person must then pay the substantial additional expense of court costs in addition to the taxes, penalty, and interest ''. I proceeded to call the number on the notice and was informed that I would need to pay the taxes by XXXX XXXX or it would proceed to litigation. After receiving this information I called XXXX on XX/XX/XXXX to inform them of the notice and short time frame we had to make the payment. I was informed that it " would be placed into escalation and a check would be disbursed Monday or Tuesday of next week ''. During this call I once again had to relay the parcel numbers indicating there was no record within the account. On XXXX XXXX I called to ensure the completed status of the payment to the county. On this call it was as if there was no record of me calling the week previous. I had to relay the parcel numbers once again and was informed that it would be " put into escalation ''. After this call I called the county attorney and informed them of the further delay. On this call XXXX informed me that if they did not receive a payment postmarked by XX/XX/XXXX that it would proceed to suit and litigation fees would be incurred. XXXX gave me the option of setting up a payment plan that would be {$450.00} a month over the period of a year. At this point I feel I have no other option than to do this payment plan as XXXX has been overwhelmingly non-cooperative in this situation and in fact has lulled me into a complacent state as I felt safe with it being " under review ''. I really do not have the money for this payment plan and have more than enough money in escrow to resolve the original amount. By signing up for this payment plan I also believe that I now incur all of the penalties and interests from this issue not being resolved in a timely manner. The issue has been placed into escalation finally but it has put me into a great financial bind that I was not prepared for.
Product: Checking or savings account

I had made a mobile deposit using the Bank of the West App. The deposit was a money order for {$210.00}. I was informed by the Bank of the west contact center the first {$200.00} of the deposit would be available per the banks Any deposit checking account guide I was treated very rudely over the phone by the contact center. The contact center referred my call the the Branch in XXXX stating they would be the ones to fix the bank error. The branch refused and asked me why I would open a bank account with XXXX being so far from XXXX?
Product: Debt collection

In XXXX, I was contacted by a law firm called Hindman Sanchez, regarding a debt owing to my HOA, managed by XXXX XXXX, in CO. Prior to that, we had paid our HOA dues by ACH, as we now reside in Florida. When I received the notice, I looked at my bank account and realized that the HOA had stopped submitting the ACH 6 months previously. I immediately wrote a check to cover the difference, but shortly thereafter received another notice that Hindman Sanchez was intending to pursue collections. I asked for clarification on what they were trying to collect, but did not receive a response. I then received a letter stating that they have obtained a judgment, but when I call them, nobody answers the phone. I have documentation of all the payments but can not get anyone to respond to my calls or emails. Any help you can provide would be much appreciated. Thank you!
Product: Mortgage

I filed an application for a mortgage refinance with Amerisave Mortgage Corporation on XXXX XXXX, 2016 in Colorado. I submitted all requested information on a timely and expeditious bases. It is now XXXX XXXX, 2016, and there is no answer as far as a credit decision. No one from the company will speak to me.
Product: Student loan

My complaint is the amount of money in student loans they let me take out for my daughter. First I applied for the loans in my name only, but because I sent in my tax returns they used my husband 's income. We were recently out of bankruptcy and now looking back I should have not been allowed to acquire that amount in loans in my name. I was under the impression I was co-signing for my daughter. The interest rate is awful, and I asked since they used my husband 's income with out my knowledge and he is a veteran could we have the lower interest rate? And the answer was no.The loans are from XXXX - XXXX school years. Now I'm having a hard time getting a loan for repairs on my home and my debt to income ratio is bad. The point I'm making is that this was wrong from the start, I should not been able to get this amount in loans on my income right of bankruptcy. Loans are from Direct Loans and Great Lakes, the amount of the loans are now over {$60000.00}. What can be done at this point? 
Thank you for any help in this matter
Product: Mortgage

Nationstar Mortgage LLC wrongfully continued charging MIP at approximately {$1000.00} per year after my termination date, when mortgage was scheduled to reach 78 percent of original value of property. By law, MIP should have automatically terminated not later than the termination date.12 USC 4902 ( b ) ( 1 ). I was never in default under this mortgage. Upon inquiry about terminating MIP, Nationstar responded that the " LTV must be equal to or less than 80 % '' and that I did not meet requirement to cancel mortgage insurance, stating : " In reviewing our records you do not meet these requirements, as of the date of this letter your loan to value is 77.3 % ''. Apparently, Nationstar Mortgage mistakenly believes the LTV has to be " above '' 80 %, and that I somehow had to get " up to '' 80 % LTV from the admitted existing 77.3 % LTV- which, of course, is nonsense even if the 80 % LTV were the applicable measure. In fact, the applicable standard I was addressing was the automatic termination date.12 USC 4902 ( b ) ( 1 ). Nationstar continued to wrongfully charge MIP until I closed on the sale of my home on XX/XX/2016 and paid off the mortgage in full. The mortgaged property was my principal residence throughout the term of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report from & LT ; name of the credit bureau XXXX  ;. It indicated that there were some credit inquiry made by several companies. However, these inquiries were not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 

Please forward any documentation that you may have in regards to the removal of this credit inquiry. 





XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ; XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX   Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I would appreciate any such documentation of that as well.
Product: Credit reporting or other personal consumer reports

15 us code 1692j - furnishing certain forms - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete.15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identify theft Instruction : as a consumer by law this account must be deleted immediately this account is inaccurate or pay fine of {$1000.00} per violaition none of the accounts or inquiries attached are mine - please removed this. this is affecting me and i have a new born and dont deserve for my credit to be reporting incorrectly.
Product: Debt collection

I received a collection letter dated XXXX from Progressive Management Systems in XX/XX/XXXX. They also hit my credit on XXXX with a collection for {$1200.00} despite the letter stating that they would NOT report to the credit bureaus unless I failed to respond to their letter within 30 days. On XXXX I sent them a debt verification request via certified mail which was received by them on XXXX. As of XXXX XXXX XXXX I have received no communication or validation that this alleged debt belongs to me, no dates for the original debt to prove that it's still within the statute of limitations for collections, nothing. They are continuing to hammer my credit with the collection, adding interest and reporting it every month. They are in violation of the FDCPA for their failure to respond and failure to provide proof of the alleged debt. I will be happy to involve my attorney if this they don't take this collection off my credit and cease all collection attempts immediately.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a Credit Repair Agency. In accordance with the Fair Credit Reporting Act XXXX, the following accounts below has violated my rights according to : 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 section 604 section 2, States a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, please provide the following : 1, The Original Contracts with my signature on it 2. Creditor information ( Name, Address and phone number of original merchant ) 3. The payment history and itemized billing associated with each account 4. Proof of Ownership ( Proof that the company trying to collect this debt has authorization to do so ) If you cant provide these XXXX things for all of the above accounts then please delete these accounts immediately. Thanks