23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The lender stole my principle and charge ridiculous " lend paid expenses '' without any notice during both XXXX and Mr.cooper transferred loan service. I have tried to contact for 3 weeks. they stated they investigate each other for long time. I have required Mr.cooper to correct the mortgage statement ( XX/XX/XXXX ). 
I did Loan modification on XX/XX/XXXX. 
new principal balance : {$280000.00} include ( Interest Bearing principal balance : {$220000.00} + Deferred Principal Balance : {$600000.00} ). Pl. see attachment ( loan modification ) I had paid the principal {$46000.00} to XXXX from XXXX. 
Pl. see attachment ( XXXX XXXX page1-9 ). 
Actually all principal were deducted to Non-interest bearing {$60000.00} ( deferred principal turned to advanced principal ). 
XX/XX/XXXX reversal to {$14000.00} to Bearing Principal balance ( {$240000.00} ) Pl. see the attachment /XXXX  page 9, bottom line. 
We have paid the principal {$230000.00} from XX/XX/XXXX to XX/XX/XXXX. 
Pl. see the attachment /mr.cooper. 
Until XX/XX/XXXX we have {$9900.00} balance. add {$60000.00} ( see attachment New file ) New principal balance : {$280000.00} - {$46000.00} ( XXXX XXXX ) -  {$230000.00} ( Mr. Cooper ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - {$9900.00} Due they don't response my email and answer my call. I require pay off letter by online. 
I got pay off letter on XX/XX/XXXX. {$60000.00} turned to Lend paid expenses ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account in question countless times, and have been restricted from disputing any longer due to the issue being " resolve '' as no change numerous times. The account has been paid in full in response to a charge off on the account back in XXXX. I paid the remaking balance owed to the creditor in XXXX and have disputed the status which shows as Potentially Negative and Derogatory/Charge-off instead of showing as Current/Paid in Full. The account is closed but still affects my credit and ability to be offered credit as it is visible on my report as negative and has been for almost a year since I paid it fully on XX/XX/XXXX and have since disputed it with no change to the account. I would like this entire account to be removed as it is not benefiting my report in any way and is only negatively impacting my report due to a lack of experienced investigation into the matter on Experian 's behalf.
Product: Credit reporting or other personal consumer reports

I am currently dealing with identify theft and the thieves are calling into Transunion and XXXX to unfreeze or unlock my credit report. These two credit bureaus do not offer adequate security against identity thieves that has your address, date of birth and social security number. Using these 3 pieces of information they're able to pull your credit report using several different methods, including XXXX. All 3 of the major bureaus uses your credit report as the security method to verify your identify. Tranunion and XXXX do not offer methods of providing additional security to prevent further attempts on an individuals credit. They security of their online accounts can be easily bypass by calling into customer support to have the account login information changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REOPEN THIS FILE AS NONE OF THESE ISSUES WERE PROPERLY ADDRESSED! IT IS MY LEGAL RIGHT AS A CONSUMER TO HAVE MY CREDIT FILE TO BE 100 % ACCURATE AND MY FILE WITH THIS COMPANY IS NOT THIS IS WHY I FILE MY COMPLAINT WITH THIS AGENCY! PLEASE DO THE RIGHT THING AND REPRESENT ME PROPERLY AND HELP ME WITH ALL THE INFORMATION DOCUMENTATION I PROVIDED YOU TO HELP ME GET MY CREDIT FILE WITH THIS CREDIT REPORTING ANGENCY 100 % ACCURATE!! I WILL BE ALSO SENDING THE SAME INFORMATION TO THE FTC! THANK YOU AGAIN FOR YOU HARD WORK ON HELPING US AMERICANS!! BLESS YOU!! I FORMALLY REQUEST THAT YOU REOPEN MY COMPLAINT AGAIN!! 
XXXX, XXXX, AND XXXX THESE WERE ALL CLOSED AND NEED TO BE REOPENED WITH THE INFORMATION PROVIDED PLEASE!
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the file of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following item ( s ) from my report, immediately : Account : # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt collector has illegally parked an alleged debt from XXXX XXXX on my credit report without first validating the debt with me via mail. I do know that this is illegal & a violation of the FDCPA
Product: Credit card or prepaid card

An extra charge was made to my credit card, {$300.00} ( or XXXX  XXXX XXXX ), during my booking XXXX XXXX XXXX XXXX, on XX/XX/XXXX XXXX. I had disputed the charge with Citi card company, Citi card company never wants to resolved the issue. After I directly discussed with the hotel, XXXX XXXX XXXX XXXX realized the mistake or the mischarge, and had reimbursed/cancelled to Citi card company with the amount of XXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX XXXX  but the money has not been to my card yet after four months. I have called the credit card company a couple of times, the issue has never been resolved.
Product: Mortgage

I AM APPEALING THE LOAN MODIFICATION THAT WAS OFFERED ME BY SPECIALIZED LOAN SERVICING based on my income. 

My business, XXXX is mainly a cash business as I purchase goods here in the US and sell in my native country, XXXX. My son who signed for the mortgage with me has quit claimed himself off the property as he has moved out and started his own family. It is now left up to me to pay the mortgage. 

Specialized Loan Servicing did not even lower the exorbitant interest rate of 8.250 and with only 151 months left on the mortgage, there must be some way that they could make this mortgage more affordable. Either by extending the terms or lowering the interest rate. I want to keep my home but I will not be able to unless the private investor who owns my loan has some mercy and decides to work with me. 

I would like to be considered for a HAMP. I have never had one and I understand that Specialized Loan Servicing receives money from the government to extend this type of modification to it 's customers.
Product: Credit reporting or other personal consumer reports

XXXX ( mortgage reporters ) inquiry date XXXX XXXX XXXX XXXX XXXX ( non specific ) inquiry date XXXX i have nothing tied to these accounts i tried getting these inquiries resolved but it was no solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XX/XX/2019 XX/XX/2019 I have these hard inquiries when I called and said they were not taking it off I did t apply for these at all
Product: Student loan

Zuntafi XXXX  for future pilots does not mention or describe any information about cosigner requirements for the pilot access loan, only allows for the option but is not required. After completing their online application for the pilot access loan, I was denied the loan because I needed a cosigner. I already have a full time job with an airline, have not defaulted on any loans, making payments on loans, and guaranteed reimbursement if I go through the program, and well above age requiring a parent to cosign a loan for a career. There is also a high demand for pilots and there should be no reason that a cosigner is required since many will have to retire.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.1K 15 USC 1666B : A creditor may i treat a payment on a credit XXXX account under an open end consumer credit plan as late for XXXX
Product: Credit reporting or other personal consumer reports

I am sending this complaint to formally request the prompt removal of inaccurate information from my credit report. Upon review, I have discovered several instances of fraudulent data that I have no association with. This discovery is deeply concerning, and I insist on immediate action to rectify this matter. 

The following inaccuracies must be addressed and expunged from my credit report without delay : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX expect your immediate attention to this matter and demand swift corrective action. Failure to comply with this request will leave me with no choice but to pursue legal recourse. Your cooperation in resolving this issue promptly is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My former employer amended & restated my tax returns & made themselves my conservator. In order to get the golden parachute tax break in XXXX my home was sold without my knowledge. XXXX XXXX XXXX XXXX have been stealing my mail. I never received any of my XXXX-mortgage interest statements. In order to properly file my tax returns. I truly need that information. May I please get those statements mailed to me from XXXX-XXXX. These transactions was made while I was under wage earner. The case number was XXXX. I was discharged from this case in XXXX. I need XXXX XXXX to send me an identity theft packet please.
Product: Credit card

When I contacted Comiety on the phone, according to the representative I spoke with ...... THERE WILL NOT BE AN AUTOMATIC PAYMENT IN XXXX. Why was that not disclosed? The warning on XXXX statement, instead of confusing the average customer, I would have made the {$29.00} payment. XX/XX/XXXX TO XX/XX/XXXX IS 24 MONTHS. Had XXXX taken the {$29.00} payment, the XX/XX/XXXX statement says is due, there would be an over payment. Facts are facts the wording in the WARNING Portion of the statements, in XXXX and XXXX, to collect INTEREST IS FRAUDULENT. It was XXXX that did not take the {$29.00} in XXXX. BUT XXXX had no problem taking the interest payment in XXXX. By skipping a month, XXXX, the company set me up.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX XXXX My date of birth XXXX My Social security number XXXX My phone number XXXX I have so many different phone number they gave me and I called and nobody respond or anybody can help me out and they say that they cant see my name my social everything on the system.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Federal Loan that were being serviced by XXXX who is no longer in business, I have disputed the accounts with XXXX XXXX, XXXX, Equifax, XXXX, XXXX, each company keeps verifying these accounts as active and balances correct. XXXX phone is always busy and from a search it says they are closed. so how can they be verifying these accounts as correct, active with a balance when they don't. I've been disputing these accounts since last year when they were paid off and closed.
Product: Mortgage

Asked for Loan Modification, Failed to give me the option to reapply for consideration and or other options in a timely manner. Failed to explore other opinions as short sale or deed in lieu of foreclosure
Product: Credit reporting or other personal consumer reports

I'm attaching a letter that stats the problem. The lender reneged on their settlement they offered because they could loan because of the type of lender they were. But they offered to give the mechanic the title and XXXX dollars with our discussing with me. They for letting me have a settlement of {$950.00} and then they reneged thinking that my insurance was going to Total the vehicle I told him that that wasn't going to happen I wasn't going to allow that so they were making decisions and reneged on what they agreed to do with me and then I'm the one left holding the bag they were going to let the mechanic have it for {$4000.00} and then they were just going to cut the mechanic refuse to take their XXXX he wanted XXXX XXXX  and they were going to just let him have the title again without discussing anything with me and this is my credit and now they're showing it a charge off it looks like a repo and it's not they don't have the vehicle nobody will talk to me they hang up on me or they pass me about and leave me on hold for hours so now I need to get an attorney for this I already have an attorney with the mechanic and I have an attorney over the insurance company trying to total my vehicle when they didn't have any dog in the race so I want this off of my credit they had their chance I tried to pay my begged them and begged them and they refused after they're the ones they agreed to it the settlement so I think because I am good faith offer and tried to pay them what they wanted and because they got greedy I'm the one left on the bag it's not right it's not fair and for the credit bureaus to allow this I want every every piece of documentation and every voice conversation cuz they record I want every conversation and every written text email conversation and I want you the credit bureaus too also request that before you make a decision because if you don't see in my favor you didn't get all the information I don't want this on my credit I think what they've done is wrong so it needs to be totally removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found the following unauthorized credit inquiries reflecting on my recent credit report. I did not personally apply for any of the banks and lenders below. Please Delete the listed inquiries from my credit report promptly. Thank You. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX
Product: Credit card

Identity theft- Did you receive my original description? 
-Must have hacked my email account. 
-My cell Phone account thru XXXX XXXX, changed to a phone fraudulently purchased on my account- I called and corrected/they know fraudulent activity. 
- {$5000.00} worth of furniture ordered on XXXX credit card to a address in Florida. Called XXXX  and reported as fraudulent. Closed account. XXXX still sending me texts about furniture being delivered. 
XXXXBank of America Visa account showed {$20000.00} transfer to another bank. I went to Bank of America and reported- they called their fraud line with me. An {$800.00} XXXX  transfer fee had also been paid. Now still {$20000.00} debt showing online and Bank of America wants my claim in writing with additional info. They did not contact me. I had an email when I went back and checked- stating my transfer went thru. 
-I do not check my email every day. But I always have my cell with me and did not receive a text from Bank of America! I did not receive a call identified as Bank of America! 
-I have changed all my passwords. Closed XXXX account. Locked my new Visa Charge card from Bank of America. I plan to make a police report tomorrow. My Son in law Scrubbed my computer. 
-I just want this to go away. Can You help me?
Product: Credit card or prepaid card

After I had received the XXXX XXXX Credit Card, according to their instructions, I called their number XXXX to confirm receipt of the card and hear how to receive a {$20.00} Gift Card. Their representative told me the {$20.00} credit would be applied to my account after my first purchase with this card. 
I made the first purchase of {$17.00} with this card on XX/XX/2018, but the statement came with no credit. 
So I called the credit card company to ask about the statement credit missing, but they took evasive actions refering me repeatedly to the store that has no idea about this credit card statement credit promised.
Product: Debt collection

In 2013 I had joined the XXXX and signed up with a different bank, at the time I had gone into the local wells fargo branch, emptied my account, and cleared all debt/anything owed to wells fargo. A couple of years later I was applying for a mortgage and was told that wells fargo was docking my credit score every month. I went into the local branch and they had told me that I had a charge for like XXXX , they couldn't even tell me what it was for, nor when it was made. As I verified with the bank teller at the time of closing my account, that all debts had been settled. I was never contacted a single time to collect a payment, no phone calls, no emails, no mail, nothing. I just paid a credit repair service for over a year at XXXX $ a month to fight this claim. Wells fargo has continued to deny removing this negative item off of my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

accounts incorrect after XXXX data breach need to deleted and removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

since XX/XX/XXXX  i sent a money transfer via RIA, an amount of {$700.00}, the receiver didn't able to pick up the money. According to RIA the money transfer status is pending to pick up, but they still not returning my {$700.00}. 

i send email, i receive reply from supervisor saying that they will process the refund, i have send a few information that they request, but still not getting any response. whenever i call, after the put me on hold, they disconnect the call.
Product: Debt collection

On XXXX, {$630.00} was reported to the credit bureaus as a collection from Convergent Outsourcing. Ive never done business with this company. Ive disputed the account twice and both the company and the CBs never provided me with a signed contract with my signature. The collection bill is not a validation and I have a right to be provided with proof or it the account needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the Equifax data hack of XX/XX/XXXX. I first became aware of the problem in early XX/XX/XXXX via news reports. Equifax never bothered to contact me directly. I have placed a freeze on my credit report with Equifax.