23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I made mention that i have never owned a XXXX  XXXX credit card nor have ever shopped in one. I dont know when this account was opened and who has been using this. I have sent emails to XXXX  XXXX, XXXX and also to Midland credit management with no luck. I have no idea who could have done this under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

With TRANUNION I have 42 inquiries that I didnt make I have made several attempts to dispute them but they keep going up Same With XXXX I have 81 inquiries I have had no progress with the bureaus it is fradulemt activity if I dont have an account attached to it I did not make it. 
A good portion of these inquiries I was under the age of XXXX in the state of Georgia that is illegal they are not any help. Please Help?
Product: Mortgage

In XXXX 2017 I attempted to get a loan modification and it was denied in XXXX 2017 with no specific reason.
Product: Mortgage

Hello! My name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX utah XXXX. My phone number Is XXXX. 
I tried contacting my mortgage company Monday, Tuesday and today! They will only defer my XXXX mortgage which is XXXX till XXXX but pay them both both in full XX/XX/XXXX which would be {$4000.00}, that doesn't help at all! I want to pay it. I'm just not working this week or probably the next 2! I was just hoping they would put it at the end of my loan and no help. My daycare Is still charging me everyday even though my kids aren't attending which is {$310.00} every week! I am seriously stressed  and freaking out. Please if anything just return my message. Please and thank you!!!! 
CMC Funding Inc is my mortgage company Sincerely, XXXX XXXX
Product: Student loan

I applied for the extended Public Service Loan Forgiveness back in XXXX XXXX I received an email from Mohela on XX/XX/XXXX that my application had been received and to give them 90 days for it to be processed. It is XX/XX/XXXX and I still have not received any information regarding my application and it has not been processed. When I log in to the Mohela website it states they received my application on XXXX XXXX and application is being processed. How did they received my application both in XXXX and XXXX? I have been waiting for over 6 months to find out if my loans will be forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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, IN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$200.00}, Inquiries Not Included XXXX : XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX FIN XX/XX/2021 XXXXXXXX XXXX  XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASKED NUMBER OF TIMES TO HAVE MY NAME REMOVED OFF THE ACCT AND CREDIT REPORTS ASAP. 

XXXX XXXX SS # XXXX XX/XX/XXXX ACCT # XXXX
Product: Credit card or prepaid card

Hello, my name is XXXX and I have struggled with my credit my whole life due to living paycheck to paycheck. After years of adolescent ignorance and lack of personal responsibility, I have had a USAA XXXX ( the only type of credit I could get approved for for years ) now ) i Just got my score above XXXX, after much diligence and smart choices. Unfortunately I had to max out my card several times, but Set my payments to make double the minimum due twice a month, and that seems to get the balance down fast, until I could make the early payment I had done for months consecutively.. But unfortunately I was waiting on my tax return and a paycheck the same few days of being terribly broke. THEN IT CAME! A good check and a good tax return. And IMMEDIATELY I paid the card off in full.. thats when I noticed a late fee.. I curious what this was as Id never seen it before, then I realized my payment was due the day prior to me paying off the card entirely. I callled USAA and they confirmed the card balance was paid off in full, but unfortunately it wasnt until it had already been reported and I was told by USAA Id have to contact you guys, bc they cant go back. BUT since This, I havent missed a payment but see it as a delinquent payment.. Ive attached a payment history on the card so you can see the number of payments Ive made on time in hope you can waive this one payment that was HOURS too late. 

All of my other credit has charged off and is closed so I cant do anything ab it but wait, unless you have any suggestions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in great concern of Equifax allowing a company, named XXXX XXXX XXXX, which I have investigated, that is located in XXXX, WI, to put a {$150.00} debt on my credit report. I have never had any relationship, dealings, nor had any business provided by, nor with this company, ever. This company is listed as a family business/collection agency in XXXX, WI -a place where I have never resided, nor done any business and yet, Equifax has allowed this debt to remain on my credit report. This company has no proof of dealings with me, or of providing me any services and yet, Equifax sustains the {$150.00} on my credit report. 

I wrote in concern back on XXXX XXXX, XXXX to the CFPB, explaining that this debt was on my credit report under Equifax and that it did not belong to me. The CFPB allowed them an additional 30 days to get the proof. Still, to this date, I have not received the proof from Equifax. They sent me a note through the CFPB portal with a note stating that the reinvestigation proof of the debt was sent to me on XXXX/XXXX/XXXX and that they mailed it to me on XXXX/XXXX/XXXX. Still to date, I have not received anything from Equifax. And to receive anything after XXXX/XXXX/XXXX, after receiving an additional 30 day extension by the CFPB, would be considered late. XXXX and XXXX had deleted the this off my report due to no findings of this debt belonging to me, nor of the company proving they ever had any dealings with me. I am not sure what proof that Equifax is stating that they have from the company when I have never dealt with them before, nor have had any dealings with them. 

I would like for this debt to be deleted from my Equifax credit report, especially being that it does not belong to me and because Equifax has not proven that I owe this debt to the company named XXXX XXXX XXXX, located in XXXX, WI. Additionally, Equifax was not responsive in proving and supplying the proof to me within the 60 days given by CFPB. This is the only negative activity on my credit report and I am kindly requesting that the CFPB have Equifax remove it immediately, without further delay. I am very unsatisfied with what was suppose to be an investigation -which they called a reinvestigation. Equifax had not investigated this case until the CFPB became involved and I still do n't believe they have done so because I never received any proof from them, although they stated on the CFPB portal that proof was sent to me. Again, I have not had any dealings nor business with this company, which would prove that I owe them {$150.00}, therefore, I am requesting that Equifax remove the debt, immediately, without further delay. 

Thank you so much CFPB and I look forward to hearing back from you!
Product: Credit reporting or other personal consumer reports

I opened a loan at XXXX and due to my XXXX and being on Social Security XXXX, I was unable to finish payment of the loan. However, XXXX and their associates and managers have taken a personal interest in hurting me as much as possible. They keep changing the original loan date, currently they are stating I opened my loan on XX/XX/year>. This is false reporting out of vengeance to continue to harm my character and XXXX XXXX. This date, XX/XX/year>, is the most recent date they reported that I opened my loan, in response to my numerous disputes that this account is well over XXXX XXXX XXXX. Every time I dispute that this should be removed due to the timeframe, XXXX changes the original date of the loan, so that it NEVER comes off my credit report. This is false reporting and a criminal act to DELIBERATELY harm me. I want this debt removed based on the true age of the account. I have recently been denied housing due to XXXX 's FALSE REPORTING. Also, TransUnion will not take it off my report even though I have explained this situation to them. Please help me this is so wrong, and it's destroying my character to landlords and creditors are harshly judging me due to this FALSE AND DELIBERATE reporting.
Product: Payday loan, title loan, or personal loan

An high value item was purchased with credit loan but arrived DOA, and when the item was denied for return due to XXXX policy on 30 day limit, despite XXXX was aware that I filed a dispute within this 30 day limit and was trying my best effort to either ship item back or have seller repair for damages. 

XXXX insists that I should have clicked " return the item '' even though at time of dispute I had no intention of returning item and wanted to keep item and get partial refund or get spare parts, which is misrepresentative and should not be labled as " return the item ''. 

I DO NOT HAVE INTENTION FOR PAYING FULL RETAIL AMOUNT ON A DEFECTIVE ON ARRIVAL ITEM, AND BOTH PARTIES FAILED TO RESOLVE ISSUE ( Upgrade.inc and XXXXinc )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account XXXX XXXX XXXX  Account Number : XXXX Account namXXXX XXXX Account Number : XXXX Account XXXX FUNDING Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX  Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namXXXX XXXX Account Number : XXXX Account namXXXX XXXX Account Number : XXXX Account namXXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 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.
Product: Credit card or prepaid card

I was sent an email by Bank of America on XX/XX/2019 that my card number had changed, and that I would need to update any vendors who charge recurring payments to my card. The email included the name of a specific vendor with whom I would need to update my payment information. 

I was not using my Bank of America credit card, and I had no wish to receive services from the vendor mentioned, so I did not inform the vendor of a card number change. 

Sometime, unawares to me, in XXXX or XXXX of 2019 the vendor mentioned in the email by Bank of America successfully charged my new credit card, even though I had not given them the new credit card number. 

I had not used my Bank of America credit card for any purchases in months, and did not notice the charge until months later. When I called Bank of America on XX/XX/2019, I offered to pay the amount that was charged anyway, but asked that they waive any late fees or interest. The representative I spoke with told me that he couldn't offer to waive any fees on that call, but that I should call back. 

When I called back on XX/XX/2019, the representative I spoke with told me all of the fees and interest had been waived. 

I thought the matter had been resolved, but then received another bill from Bank of America for a bunch of late fees. 

I've had multiple conversations with Bank of America representatives since then. Every call begins with a message, " Your call is being recorded. '' One of the reps promised to listen to the recording of the call that I was told the fees and interest had been waived, and that if I was told the fees were waived, that she would take care of it. She called me after listening to the call, admitted to me that I was told the fees and interest charges were waived, but that Bank of America still refused to honor what I was promised. 

Giving up on the Bank of America call center, as they appeared to have either no interest or authority to fix the Company 's error, I sent a letter registered mail to their offices in Texas and Delaware. I've yet to hear back from anyone at Bank of America, but continue to receive new bills with new late fees. 

I have called Bank of America to inquire if they've fixed their error, but the people I've talked to admit that they are powerless to fix anything. They acknowledge their error, but have no ability to fix it. 

It's silly that my only recourse require litigation. The amounts aren't large, and it's cost prohibitive to seek such remedies. Giant banks shouldn't be able to push people around this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never had a late payment and there were issues with logging in to make payment. Late in XXXX after trying to login payment was due XX/XX/XXXX and I called XX/XX/XXXX since the login wasn't working and paid in full {$220.00} I requested they take it off the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Experian is reporting inaccurate information on my credit file which is a violation of my consumer rights FRCA LAW. XXXX XXXX on behalf of XXXX XXXX XXXX XXXX, settled this account XX/XX/22 via phone with representative XXXX XXXXXXXX XXXX XXXX XXXX XXXX Receipt of payment will be attached. Voice recorder to Payment settlement will be sent to each bureau and CFPB TO PROVE THIS WAS SETTLED FOR {$300.00}. Credit report is reporting inaccurate pass due amount, open balance, which if inaccurate information. 
The account is NOT being thoroughly investigated, but is responding by a generated response. No one is actually investigating this account and now Im going to get an attorney for lawsuit because my consumer rights XXXX continue to be violated by Experian, XXXX XXXX and XXXX XXXX XXXX.
Product: Debt collection

I have been getting a phone call a day for almost a year now. Every call comes from a different state. The company is called portfolio recovery. I believe they are a debt collector. I do not owe anything to anybody. I have excellent credit. I do not answer most of the calls. Three times I have picked up and told them to stop calling me. Every time I am told that my number in not in their system. Every time I am told they will have their supervisor take care of this. But the calls keep coming. Please make them stop!
Product: Mortgage

On XX/XX/XXXX we purchased a single-family home in XXXX Texas with an FHA insured mortgage from XXXX Mortgage. In XX/XX/XXXX to XX/XX/XXXX we were apprised that XXXX had sold the mortgage to Wells Fargo Home Mortgage. Earlier this year we were able to qualify for a lower cost uninsured mortgage, again sourced through XXXX Mortgage. The XXXX mortgage in XX/XX/XXXX required that we escrow the XXXX year of property tax and insurance, and escrow XXXX of the XXXX year 's property tax and insurance obligation each month. In XX/XX/XXXX when we procured the new lower cost mortgage, we should have received all of our Escrow Monies back from Wells Fargo. Wells Fargo did not return all of the escrow monies. 

Wells Fargo in phone calls say " you escrowed {$5900.00} when you closed on the purchase, so we based our return on that number ; however, by the time Wells Fargo purchased the mortgage we had increased the escrow by another at least $ XXXXIn fact, the Wells Fargo escrow statement shows that when they took over the mortgage in XX/XX/XXXX, the escrow was {$7100.00}. 
Despite their acknowledgement of this discrepancy they have NOT return the monies that are not their property. 
On a recent flight to XXXX I sat beside a former Wells Fargo employee who said Wells Fargo will try to keep some of the escrow money and the only way to get it back is to file a complaint with your bureau. 

Please help. 

Kind regards, XXXX XXXX, XXXX XXXX
Product: Mortgage

I represent a family in Ohio whose mortgage was a XXXX mortgage, then owned by XXXX XXXX XXXX, and now Green Tree Servicing, LLC, or Ditech Financial, LLC. The mortgage was wrongfully foreclosed to begin with, but despite the Stipulated Entry between CFPB and Green Tree, Green Tree has made no effort to put a hold on the foreclosure proceedings, even though the family 's mortgage falls within the date range of affected mortgages. The family had a loan modification agreement with XXXX XXXX XXXX which they executed right before the mortgage was sold to Green Tree. Also prior to the mortgage being sold to Green Tree, the zone in which the house is located was re-zoned and the property taxes on the house increased significantly. The family entered in to an agreement with the County Treasurer to pay the taxes in ten installments. Despite their agreement with the Treasurer, XXXX XXXX XXXX stepped in without any prompting on the family 's part and paid the entire balance for the property taxes, rather than the smaller payment the family had originally contracted for. The money was added to the family 's escrow account and the monthly mortgage payment, too, increased significantly. Next thing the family knows, their mortgage is sold to Green Tree and their checks are being returned stating that the amount on the check is not enough to make a payment and the late fees started adding up at this point. This all occurred despite the fact that the County Treasurer sent a letter to Green Tree telling them of XXXX XXXX XXXX 's mistaken overpayment of the taxes. Eventually, Green Tree began foreclosure proceedings. This has gone on for the last eight months despite the Stipulated Entry between your agency and Green Tree. Green Tree 's lawyer is actually the person who relayed the Stipulated Entry to me, so it is obvious that they know that this exists. The problem we have right now as the end of the case nears as the trial date gets closer and closer, is enforcement. How can an Ohio Court enforce a Federal consent order? Green Tree knows that it is subject to the terms of the Agreed Entry, but has willfully chosen to proceed, rather than stay the foreclosure in order for my clients to go through an investigation and loss mitigation options, such as a loan modification, which they are currently completing the application for. However, if the mortgage is allowed to be foreclosed upon, it wo n't much matter whether or not they are approved for a loan modification.
Product: Checking or savings account

I stayed at a room using my chase card and the hotel stated the card didnt got through however authorization was pending but it never fail off. I used another card to process payment sent chase the receipt and I dispute the amount with chase they still told me I had to pay. Even showing them the receipt that showed that stayed was with another card. They reverse the fee and I never paid it because Im being wrongfully charged. Now its on my credit in collections. Also had zelle issues with them also.
Product: Mortgage

Had a storm loss on our home, received a check from Insurance carrier to us and bank. 
Bank is stating we have to endorse and send to them, hire a contractor, get proof of his insurance and have him sign a w-9 ( for each contractor ) than have bank send out inspectors before they will release $ .I want to do allot of the repair work myself, as I am skilled in construction. They said I can not!!???? I asked to speak with a manager, they would not let me, I had a XXXX send them a letter, they have ignored so far with no response to the XXXX.
Product: Credit reporting or other personal consumer reports

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 Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & amp ; 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. Account Name : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX