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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  XXXX  Acct # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it might concern. My only and correct name as it appears on my social security card and ID is XXXX XXXX XXXX XXXX. My only and correct social security number is XXXX. My only correct address is XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX. My only Phone number is XXXX Please delete any name that is not matching my proof of identity. Please delete any addresses that you are reporting which are not on my proof of address attached. Attached to this letter you will find a copy of my identification, proof of address and proof of social security number. Once my request has been processed, please mail me a copy of my updated credit report reflecting these changes. My only job is XXXX please delete any other job that is attached to my file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly an account where I am shown as an Authorized User on XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Mortgage

In XXXX I logged into my mortgage and pai it off in full. Upon completion my account balance reflected {$0.00}. In XXXX I received a letter stating my mortgage payment was past due. According to the letter I owed {$48.00} that had to be paid via certified funds. ACH never took money out of my account and my online balance showed {$0.00}. I sent a money order and paid the loan off but they marked my payment as late and my credit score dropped from XXXX to XXXX. I never knew the loan was still open and my online balance showed {$0.00} for 3 months.
Product: Mortgage

I am filing this complaint against my mortgage company for failing to comply with the provisions outlined in Section 6 of the Real Estate Settlement Procedures Act ( RESPA ), specifically in its implementation of 12 CFR 1024.41. This regulation mandates that mortgage servicers provide clear and complete information regarding all available options to borrowers seeking forbearance or other loss mitigation solutions. 

Despite my efforts to work with the mortgage company, they did not fully explain my forbearance options, nor did they properly follow the loss mitigation process. The company misled me in their application of loss mitigation practices, failing to apply the required waterfall method that should have been used to determine the best loss mitigation options based on my financial situation. 

Due to the mortgage company 's failure to clearly explain these options and their neglect in applying the appropriate loss mitigation methods, I was forced to liquidate over {$47000.00} from my retirement funds in order to bring my account current and avoid foreclosure. This was a significant financial hardship that could have been avoided if the mortgage company had adhered to the requirements of 12 CFR 1024.41 and properly informed me of my options.

I believe the mortgage company took advantage of my situation by not providing adequate guidance or information, which has resulted in significant financial loss. I am seeking redress for the financial damages caused by their failure to comply with the law and to properly implement the forbearance and loss mitigation processes.
Product: Credit card

I applied online for a Chase Sapphire Visa and received a letter telling me my application was declined for the reasons below, despite having a Chase Proprietary Score of XXXX ( XXXX is the highest possible score ) per the attached letter. I included additional detail on each item. I followed up with a call and an email asking for additional explanations and have not received any follow up from Chase. 

*Past or present delinquent credit obligations with Chase . ( This may have been the case 10+ years ago, but I had a Chase Marriott card for many years and had a perfect record and Chase also holds two mortgages for me with a perfect payment record. There are no delinquencies on my credit report currently. ) *Insufficient or no balance in Chase deposit and/or investment accounts. ( I do not do any banking or investing with Chase. I do not have any active accounts that appear online so there shouldn't be anything in negative standing and I could not find anything in the application materials making banking or investing with Chase a requirement for this account. ) *Length of time since newest credit card is open is too short ( This is legit, I had opened a XXXX XXXX  recently before this but it is in good standing. ) *One or more requests for new credit in the past 12 months ( had the XXXX XXXX  and a new car loan, but being declined for more than one request in 12 months seems excessive. )
Product: Debt collection

On XX/XX/year> I forwarded by email 39 valid dispute emails between myself and the dentist 's office to : : XXXX I also stated in my email while forwarding the 39 emails to them, this unfair and incorrect debt was already attempted to be collected by another collection agency and after receiving my valid dispute the other collection agency not only stopped trying to collect but removed the collections amount from all three major credit reporting agencies. I requested a response back from tekcollect by email, never received a response back. I have tried multiple times to get them to remove this from my credit report and they refuse and only respond by saying the debt is valid. It is not as proven in my forwarded emails to them. 

Dispute in short : I wanted XXXX XXXX XXXX XXXX XXXX. The regular office manager was on holiday, the assistant sitting in for her, mistakenly requested a partial to be made. When it arrived, I did state that it wasn't what I wanted. I tried to wear it, it made my gums bleed. I went back and forth by email, the time even ran out for me to have the partial fixed to fit better. The partial that I left at the dentist 's office because it wasn't what I wanted, hurt my mouth, and made me talk with a XXXX. It's all in email. Response was at first, dentist was now away on holiday had to wait for her return. She returned after 30 day allotment lab allowed for fixing the ill fitting partial! Dentist then said we could do the implant instead as I requested but added the amount for the ill fitting partial to the total of what the implant cost was. I know this because I had already called around to get quotes from other dentists and their quotes were all less than this dentist by almost exact cost of the partial. At that point, I didn't want to do business with them any longer. I requested they send a new amount owed based on work done, not to include the partial I didn't want, and I would fairly pay what was owed. They refused and sent me to collections. There's much more to this, but this is a summary. It's all in the emails that tek collect received but decided to ignore.
Product: Credit card or prepaid card

Using my Capital One credit card ending XXXX *On XX/XX/XXXX I booked Hotel XXXX XXXX XXXX XXXX through XXXX for a trip from XX/XX/XXXX to XX/XX/XXXX at a cost of {$1000.00} * On XX/XX/XXXX Due to illness I cancelled my trip by email and phone to XXXX and vendor hotel XXXX XXXX at least 60 hours prior starting. They both suggested contact vice versa, which I followed ( copy enclosed ). 
*On XX/XX/XXXX I went to the same hotel and stayed few days and confirmed that I was not charged for my prior booking, I paid the hotel cost cash ( proof enclosed ). 
XXXX After returning to USA I found that I was charged for my cancelled/unused trip and contacted Capital one, they did credited the amount to my card account instantly. 
XXXX Same charge came into my account again without any notice. 
XXXX Capital one emailed me that I informed them not to dispute this matter and they have closed this case and charged me the full amount. Which is completely untrue and false. I never did informed them anything to withdraw the claim. 
XXXX After contacting Capital one they asked me to provide my papers and receipt of cash payment made by me, which I uploaded to their system. 
XXXX I received three letter dated XX/XX/XXXX and XX/XX/XXXX Capital One denying to cooperate and advised me to contact merchant directly. 

I want my money back and filed a complain also to XXXX  against XXXX. 

Thanks
Product: Mortgage

I requested from my Mortgage Company a reason as to why my monthly payment have been going up every year. For many years my payment was at {$720.00}. Then it went up to {$750.00} Now it is at {$780.00}. According to the bank ( SPS ) it was due to a shortage in the escrow for taxes. Which is not true. 
When I was paying {$720.00} my principle was at {$560.00}, escrow payment was XXXX XXXXXXXX {$720.00}. If you take {$160.00} x 12 months= {$1900.00} for taxes. And the taxes at that time were a total of {$1900.00}. 
Now for XXXX the total taxes are : {$1900.00} for the year. Which is a difference of {$9.00} from the year before XXXX. And with that they now raised my payment to {$780.00}? Why? There is no reason for that. 
When the payment was at {$720.00} and it paid the taxes in the amount of {$1900.00}. But since then they raised to {$750.00} and now {$780.00}???
Product: Mortgage

In XXXX, my husband of 20 years and I divorced. He quit his job immediately prior to the divorce proceeding to ensure that I would not be awarded Child Support for our XXXX children. I was then actually required to pay him child support as I was the primary income earner. At any rate, this spawned a chain reaction of debt pile-up, including our mortgage with JPM Chase. I applied for a modification with them in late XXXX and were going through the process and I was following all of their " rules '' and " hurdles ''. Sending requested documentation 4 and 5 times. We were coming into what the Chase Loss Mitigation team called " the home stretch '' when we received a knock on the door one Saturday morning by a realtor claiming our home was sold at Auction the day prior and we had 30 days to move. I was devistated. I had worked so hard to buy my home and it was literally being taken away from me even as I was trying to do the right thing for myself and my children. I was forced to file bankruptcy in XXXX and included the foreclosure in that BK. I was forced to rent a home in XXXX that was far too expensive for me to afford due to the limited time I had to procure a home for a family of XXXX. In XXXX, I was hospitalized and almost died from XXXX. I was off work for over 6 months. I was released to return to work full time XXXX. I was then displaced with XXXX other XXXX employees on XXXX. I liquidated my XXXX to pay for my rent until the end of XXXX. On XXXX, I was evicted from my rental home due to not being able to pay rent - as no job had been secured. This was the first time I had not had a job since I was XXXX years old. For the first time in my life, I was officially homeless. With all XXXX children in tow. In XXXX, XXXX rehired me in their XXXX as an XXXX where I have remained employed since. Unfortunately, the entire course of events was triggered by Chase 's inability for their loss mitigation department to talk to their foreclosure department to advise that we were mid-modification. I know of several other families who have had similar situations with Chase. I believe their modification process was all just a tactical move on their part to reclaim properties from unsuspecting modification clients - similar to the bait and switch. Deplorable.
Product: Credit card

I am victim of identity theft. My personal information was stolen or used or compromized by someone and in results I've got XXXX fraudulent account on my credit report which belong not to me and I have never authorized or registered it. Also I have never opened it, I have never logged onto it, I have never paid for it and I absolutely have never signed any documents or contracts on this XXXX fraudulent account. 

Account Name : DISCOVER BANK Account Number : XXXX Open Date : XX/XX/year> Fraudulent Amount : {$2700.00}
Product: Mortgage

This is a follow up to Complaint # XXXX. 

We have spent seven months trying to convince The Money Source ( XXXX ) that we had, in fact, paid our mortgage payments in a timely manner and were not delinquent at any time. We provided records of electronic payments and copies of checks showing payments. We spoke with XXXX customer service personnel on a weekly basis. Four of them stated they saw what the problem, and each assured us the matter would be taken care of. This went on until XXXX when XXXX finally acknowledged that they had credited our first payment to XX/XX/XXXX. They did not own the mortgage until XXXX of XXXX ; which we had told them repeatedly. 

Their fix entailed a four-day span of erasing the existing data and reentering the data so our account appeared to have been paid to date on XXXX XXXX. We retain the actual payment documents. We learned in XXXX that on XX/XX/XXXX XXXX had reported us as being " 30 Days Past Due Date '' to XXXX. This was brought to our attention by a mortgage banker who we are using to purchase another property. This information has not only been used by the mortgage bank, but has also been picked up by our credit union. We have asked XXXX for a written statement signed by an officer that the loan is not and has not been in arrears ; and that the false information be removed from any and all credit reporting agencies. Again, repeated calls, repeated assurances that it would be taken care of, and no letter. XXXX has stopped returning my calls.
Product: Checking or savings account

I, XXXX XXXX XXXX XXXX XXXX am a consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ), 12 CFR 1026.2 ( a ) ( 11 ), 16 CFR 433.1 ( b ) and 12 CFR 1005.2 ( b ) ( e ).

I have been scammed for {$10000.00} that was transferred via Bank of America zelle to the scammer, the scammer stopped answering my phone calls and text after receiving the funds. I have filed Claim # XXXX, XXXX and XXXX with Bank Of America to help me recover the funds. 

Bank of America shortly after, closed my claim that told me that they are unable to help me. Bank of America is XXXX of the founders of XXXX. I am really on my last dime, I need that money. 
I need help recovering those funds. The XXXX XXXX XXXX is protecting electronic transfer
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX 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.
Product: Consumer Loan

I have fallen behind in my psyments. I made a payment 11 days ago, and the company has called me multiple times. I received a call at my workplace which was answered by XXXX of my subordinates, causing me great embarrassment and disclosed the fact that I have a loan that I am behind on. I had previously told Brookwood not to call me at work. They called under XXXX, of which I have attached a PDF photo of the office caller ID. I told that person a XXXX the never call me again at eork, as my employee now knows I am behind in my payments.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account XXXX XXXX XXXX ) To Whom It May Concern : I am filing a formal complaint against XXXX and TransUnion for failing to correct inaccurate information regarding a late payment reported on my credit report for the account XXXX XXXX Account XXXX XXXX ). Despite multiple requests for correction ( letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting for XXXX and XX/XX/XXXX on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of a late payment has caused undue harm to my creditworthiness by artificially lowering my credit score. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
Discrepancies and Errors The following discrepancies remain on my account as of the last report : TransUnion and XXXX : Still report a 30-day late payment for XX/XX/XXXX, despite XXXX having already corrected the error and updated the information to reflect " OK '' for that period. 
XXXX : Correctly reports the XX/XX/XXXX payment as " OK '' and has removed the late payment notation. 
Account Details : Account Name : XXXX  Account Number : XXXX High Balance : {$5000.00} ( TransUnion, XXXX ) ; {$5700.00} ( XXXX ) Date XXXX : XX/XX/XXXX Account Status : Closed Account Rating : Paid Payment Status : Current Creditor Remarks : Account canceled by the grantor due to inactivity.

Two-Year Payment History : TransUnion and XXXX : Incorrectly report a XXXX late payment for XX/XX/XXXX. 
XXXX : Correctly reports all payments as " OK. '' Desired Resolution Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from both TransUnion and XXXX. 
Written confirmation from both credit bureaus confirming the correction. 
Assurance that this error will not resurface in future reports. If this issue is not res
olved promptly, I will escalate my complaint further, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), state Attorney General offices, and pursuing potential legal action under the FCRA, TILA, and PAANL. 
Thank you for your prompt attention to this matter. I look forward to your response and confirmation of the corrections. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX Balance : {$360000.00}
Product: Student loan

I made lump repayment ( {$10000.00} ) to my student loans during the pandemic. The government announced that any payments made during that time could be refunded by loan servicers. My husband is unemployed and our financial situation has drastically changed. I have made multiple requests to EdFinancial for a refund. I sent several emails through their website and chat feature. I have spent 3.5 hours on hold waiting to check the status of this with representatives. I have reached back out over chat multiple times. Everyone I have spoken to recently has said that they see the " first request '' as being made in XX/XX/2023, with the cutoff being in XXXX. This was not my first request. I am requesting this refund so that I am able to change over to the SAVE program and begin making regular payments. This is not something I'm financially equipped to do without this refund. There were multiple times throughout the forgiveness period when I called and was given a message that they were overloaded and that I would be called back, but this call never came. There were also multiple emails sent where I received no follow-up or email confirmation. It's impossible for me to know if this was due to their negligence or a technical issue with their system constantly being overloaded. At this point, it feels as though they are purposefully refusing to issue this refund in order to benefit from additional funds from me which I simply do not have. It is imperative that I'm issued the refund which I have every right to in order to get financially on track and participate in the SAVE initiative.