23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Back in XX/XX/XXXX I was the victim of fraud when I tried to refinance through people claiming to be lawyers, who were not. at the time my mortgage was being serviced by EMC mortgage inc. I believe they had the loan as well, not sure! After the crash in XX/XX/XXXX J P Morgan bought EMC for pennies on the dollar and thus our relationship began, I am XXXX and my income is not very much but to stay in my home I 've been paying interest only plus insurance and taxes each month. I am writing and requesting a complete audit of my mortgage so that I can see how things got so out of control. Is there anything that you can do to help me get back in control? here is a copy of the letter I am sending to my mortgage service provider. To : J P Morgan Chase Bank XXXX XXXX Mortgage Servicing Dept. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX, OH XXXX Mortgage Acct. # XXXX Date : XX/XX/XXXX RE : Information Request Mortgage Loan Number- XXXX I am writing to request a complete audit of my mortgage. I had requested a re-finance back in XX/XX/XXXX, I was told that I did not meet the requirements. During the market crash I tried to get help in refinancing but was ripped off by some people posing as attorneys and were not. I have documentation to show that these people are being charged by the State Bar of Ca. I have been XXXX for quite some time and I have had to beg borrow and scrape to get by. Chase bank did allow me a modification where I could make interest only payments in order to keep my home, since Ive had since XX/XX/XXXX.Somewhere along the way my mortgage has jumped into the outer limits. I have tried to refinance but when I do everyone sees a deferred principle payment of {$170000.00}. Once other lenders see this they immediately stop talking and say they can not help. I would like to know the when and where this comes from. The reason I am requesting this information is when I was given an estimate by your bank in XX/XX/XXXX this XXXX was not listed. This estimation is dated- XX/XX/XXXX the loan ID is XXXX. I would love an opportunity to take this offer but it to was withdrawn, I even got someone else to put on the mortgage, didnt help either. I dont know in which direction to turn it appears that Chase Bank has all the leverage. I believe an audit will help me to figure out how I got into this mess and maybe a way out. I am inclosing a copy of the estimate, as well as the letter from the State Bar. Also if this reaches the wrong department please send it to the correct one > Thank you! If you need to contact me to discuss this request, I can be reached at XXXX XXXX XXXX XXXX XXXX, Ca.XXXX Mobile phone- XXXX email- XXXX. _________ ______________________ Date Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit. These remarks have been detrimental to my life and credit health.
Product: Mortgage

On XX/XX/XXXX, I submit an application for additional assistance to the California XXXX Assistance XXXX. They previously made a payment to my servicer on my behalf in XX/XX/XXXX. This application is currently under review. In addition, on XX/XX/XXXX, I submitted to Loancare a complete loss mitigation application, via the XXXX XXXX XXXX on the Homeowner Portal of the website. This complete application was received by them on the same date, as evidenced by the confirmation email I received upon submission. They have failed to formally acknowledge receipt of said XXXX within the time period allowed by Regulation X ( 5 days ). In an attempt to check on the status of this application I submit to them, I logged in online and navigated to the Financial Assistance section which states I am already on a mortgage assistance plan despite this not being true. 

Moreover, they have already initiated foreclosure proceedings against me by filing a Notice XXXX XXXX with the XXXX XXXX Clerk/Recorder. It should be noted that a copy of this filing was never sent directly to me, despite them having my correct mailing address. This action was taken even though I have not received a notice pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( ii ) stating the outcome of their evaluation of my application in violation of Regulation X, 12 C.F.R. 1024.41 ( f ) ( 2 ).

I did not receive notices of the status of my mortgage being delinquent until the beginning of XXXX. I did not receive any warning that a foreclosore was imminent. I was not afforded the right to explore loss mitigation options prior to them filing a notice of default.
Product: Vehicle loan or lease

In XX/XX/2015, I reported to Regional acceptance Co that one accounts had been fraudulently opened in my name on XX/XX/2015. Regional acceptance instructed me to complete an affidavit, file a police report, and inform a major credit agency that I had been a victim of identity theft. I completed all these steps and was assured by Regional acceptance Co that the matter would be resolved, and that I did not owe money to the bank. However, I continue to receive threatening notices from Regional acceptance co that I owe them. Regional acceptance co is dragging their feet to look into my issue. They are in violation of Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX XXXX XXXX XXXX asking them to have my credit card tradeline remove once payment was received and paid in full however the account does shows {$0.00} balance as of XX/XX/2017 however per agreement the account was never removed from any of the 3 major credit bureau and after 3 attempts i have not yet received any results and it still showes negative which is causing me to have a negative credit profile i ask that you please remove this paid but negative account from my report so that i may have a positive credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never in writing allow this company to share any information or furnish any information regarding my information to any party. They do not have a written consent to report or furnish my information to anyone. 

Pursuant to 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

THERE HAS NEVER BEEN ANY WRITTEN INSTRUCTION BY ME TO THIS COMPANY TO FURNISH MY DTATA TO ANY CREDIT REPORTING COMPNIES.
Product: Credit reporting or other personal consumer reports

I have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. 
consumer report In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

FICO or non of its factors are not defined or included in the definition of the consumer report! Therefore the reporting of transactions between the consumer ( ME ) and the Person XXXX XXXX XXXX XXXXXXXX ) is a violation of 15 USC 1681a the definition of the consumer report does not include FICO or XXXX which makes their factors or algorithm not a factor where the consumer report is concerned.
Product: Payday loan, title loan, or personal loan

XX/XX/2021 i received email saying go to car dealer you approve XX/XX/2021 this is what happen to me Westlake Financial Services XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX This Company Provide car loan to peoples that has low credit scores, The are connected to XXXX a web site that advertise cars for sale, On the site it show a pre approve letter it sends to your email show that you are pre approve and tell to contact the dealer, I found out this False advertising, and they was just giving me the run around saying i need this and multi different thing which i allready had gave the dealer, I was willing to put a down payment of half the car price, Maybe they do not work with XXXX-American and they are treated different, I I never been so humiliated in my life by westlake. they could see my bank statement That i could pay for the car in cash no financing. They wanted my physical bank account number with all my financial information expose to the dealer employees, I could not help for thinking that westlake or the Dealer going clean my bank account out, Horrible
Product: Credit card or prepaid card

I have gone back and forth with Military Star, XXXX  ( Store ) and AAFES. Each has said I need to contact the other. I have been charged for furniture that I never received. According to he FTC, this is illegal. Yet they put it on my credit report and then had my taxes garnished as well as my XXXX. Basically I feel that even though I have told all three the error, each wants to pass the blame on the other and still put it on my credit report and take my money for merchandise NOT received. I have made it crystal clear many times that this is the fact. Yet they illegibly took the money anyways. I have sent emails to several government offices for help and am asking for interest and fees as well as for damages done to my credit. 
All agree it is a mistake, but none want to correct it and continue to cause me harm, so I will be perusing every legal channel possible. I've written and spoken in person and on the phone several times to different parties. Again, everyone agrees it is a mistake and act shocked that I am billed for something I didn't receive, but no one wants to correct the problem.
Product: Credit reporting or other personal consumer reports

There are fraudulent account on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there are also fraudulent inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I sent in a police report showing this is fraud and Identity Theft report from the FTC. They have refused to provide me with any proof how this was verified or refused to delete the accounts. As for the inquiries they refuse to remove them even though I provided a police report and a Identity Theft report from the FTC. TransUnion representative, stated its not there job to remove inaccuracy accounts or inquiries from my credit report regardless if I provide proof that there fraud. That its up to the creditor to remove it, if the creditor states do not remove it from the credit report they will not. Unless TransUnion receives a letter from the creditor nothing will be removed regardless if the accounts are not verifiable.
Product: Checking or savings account

I have had the Wells Fargo Bank for more than 10 years but have never set up any brokerage account with Wells Fargo. The hacker set up a XXXX account with wrong profile information under the saving account owner name, and transferred saving account money to this XXXX account and caused insufficient fund for this transfer process. Once the owner account was locked from the claim report to the bank on XX/XX/2023. During frozen period, This XXXX  account still have XXXX activity including non-frozen period. I did double-check the monthly statement of my savings and the XXXX ( XXXX ) accounts. All of the trade activity date was abnormal under my account was frozen period. 
All of the evidence from the Wells Fargo Bank can't identify this hack from the account owner computer because IP, XXXX, and location can't match what the Wells Fargo 's offered IP. It needs to invest further. 

XXXX XXXX
Product: Student loan

I called Navient to see what other options I may have in term of reducing the monthly payment. I know there is a process to go through after giving them all required information, to see what I qualify for. However, that process never begun because they wanted to know all the bills I had that they asked for. So I gave them all the information in terms of my monthly bills. After that, the representative told me, that they will will not go forward with this because I have to many bills, that I will be denied. what does this have to do with what my options could be. So basically, because I have to many bills, I do n't My income does n't reflect that, so they wont even help me out in terms what my options could be. Navient was very vocal to mention to me, that their not going to go forward with trying to see what I could qualify for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

EXPERIAN ADDRESSES : XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX EMPLOYERS : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXX 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 XXXXXXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, MD XXXX XXXX : XXXX 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 ADDRESSES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am trying to purchase a home. So my Lender is running my credit.Once he look over my credit report he gave me a phone call. He wanted to know if had time to speak with him about my credit report. And i said yes. This was when he went over everything on the report. But it was a company that was on the credit report that he ask me about. 
An unsecured account that was open on XX/XX/year>. In the amount of XXXX dollars that was past due. As of XXXX of XX/XX/year> the account was update in the amount of XXXX balance. 
Once he told me about what company it was. That's when i responded i don't know about that. I was not aware of this company at all on my credit. I told him i never had an account with that company at all.He wanted me to find out what was going on as far as the company is concerned. So he gave me XXXX different accounts numbers. This is when I called the company to discuss what was going on with my credit. The lady from the company wanted my personal information such as my first name, last name, email address, and date of birth and the phone number to the account. As I began to give her my email and when I got to the phone number which I had been using for XXXX years now. That was when she informed me that the information was not correct. Then she goes on to say what's your email address? When I provided the email address she told me that it was incorrect. I told her that is fraudulent activity. And I want to dispute the transaction on my credit report because I didn't do it. And she informed me that she couldn't do anything for me without the correct information.
Product: Debt collection

I have no knowledge of this debt or the creditor. This is reporting as a recent open account to the credit bureaus and I ha XXXX no knowledge of this account, the debt or the creditor and it is negatively affecting my credit profile.
Product: Student loan

To Whom It May Concern, I am contacting you regarding American Education Services ( AES ) and how they are dragging there feet when it comes to my School Misconduct Application. I have submitted and application in XXXX of XXXX  and the response I have received is they have to speak with the loan originator. They keep collecting payments from me just like XXXX XXXX XXXX XXXX and will keep collecting monies until something is done. I am hoping that you will be able to help resolve this matter. These loan companies will keep collecting and try to wait to the very last minute to want to discharge your loan, after you have mostly paid everything back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have sent out several letters over the past few months starting in XX/XX/XXXX over some issues with my credit report I sent a letter on XX/XX/XXXX to a company that I do not recognize they say I owe XXXX $ they didnt respond within the 30 days I requested I also sent out a letter on the XXXX of XXXX to another company saying that I owed XXXX $ and then changed it to XXXX $ but that account was settled in XXXX I sent a letter out on the XXXX of XXXX to a company saying I owe XXXX $ they also did not respond with in the 30days alotted I sent another letter on the XXXX of XXXX to a company saying I owed XXXX $ they also didnt respond with in the 30 days allotted
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally request the immediate removal of the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX from my credit report. This address does not belong to me and is incorrect. I have no affiliation with this address and I insist that this information be removed promptly to ensure the accuracy of my credit report. 

As a consumer, I am entitled to have only accurate and up-to-date information reflected on my credit report. I urge you to adhere to the Fair Credit Reporting Act ( FCRA ) and any relevant regulations to ensure the accuracy and fairness of the information that is being reported. I expect you to follow protocol, investigate the dispute, and delete this incorrect address from my file without delay. 

Please send me written confirmation once this address has been removed. I trust that this issue will be resolved immediately, as I only want accurate information on my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a notice of debt owed today XX/XX/XXXX from Commonwealth Financial Systems in the amount of {$69.00}. I had no idea what this was for or that it was even valid so I called them to confirm they were legit and asked what this debt was tied to and when it was from. I was told that Commonwealth Financial Systems filed this on my credit bureau PRIOR to my even getting the notice and that if I paid it then they would remove it from my credit bureau. I told them that I had to first confirm it was a legit medical charge and then I would be glad to pay a valid bill, but I was very upset that they chose to report this to my credit bureau even before I received a bill. This is very unethical and very poor business practice. They said this was from a hospital bill from XX/XX/XXXX so this is 6 years old and this is the first notice that I have received for this medical bill. They filed a derogatory debt on my credit bureau BEFORE they even sent a bill out to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX # 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 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 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 1681 c. ( 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.