23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

It is with great frustration, pain and desperation that I request a work out plan that will be affordable. I am desperate for I have received notice that my home has a foreclosure sale day of XX/XX/XXXX. 
I must begin to tell you that my home was purchased in XX/XX/XXXX. Never any issues until about XX/XX/XXXX-XX/XX/XXXX when my partner XXXX XXXX XXXX began with health issues. We applied for a loan modification then and were approved for a trial period. Shortly after XXXX passed on. I was devastated. I requested payment arrangement to no success. 
In XX/XX/XXXX BSI servicing company took over my loan. The payments were unaffordable. 
Please understand this is my primary residence, I want to keep my home. This situation was very stressful and distorted at the time. I could not believe what happened to XXXX. I lost him for ever. 
I have now have organized matters and I am able to pay for my home. There are lots of memories here in my home. I have submitted all my financial documents including death certificate for XXXX. This is a hard fall please extent a hand and help me.
Product: Mortgage

On XX/XX/XXXX, I received a signed copy of my permanent loan modification in my name only, omitting the co-borrower ( ex-spouse ), that I signed on XX/XX/XXXX. XXXX XXXX XXXXXXXX sent me a request to resign my modification documents on XX/XX/XXXX. These documents included the co-borrower ( ex-spouse ). I was unsure why after having been modified for two years, they would be asking me to resign the same documents or why the co-borrower was placed back onto my mortgage after already being removed. So, I did not sign. XXXX of XXXX did not honor my permanent modification and eventually transferred my loan to Carrington Mortage. As the new servicer Carrington also did not honor my modification from XX/XX/XXXX. 

I am currently in default but protected under XXXX XXXX Bankruptcy. Carrington Mortage is offering to modify my loan but is refusing to remove the co-borrower 's name or update my legal name, as it changed in XXXX once the divorce was finalized from coborrower. Carrington is demanding that the new modification documents must include the co-borrower, again who was removed from the note in XXXX. Despite providing the same documents I provided XXXX XXXX XXXXXXXX in XXXX which included the divorce decree, property deed, social security card and driver 's license. Carrington says that they would need property division information in order to remove the co-borrower who again was already removed by XXXXXXXX XXXX XXXXXXXX in XXXX. 

I sent Carrington email on XX/XX/XXXX explaining that we ( myself and co-borrower ) agreement prior to the final divorce decree and that he was removed from the deed on XX/XX/XXXX and the finalized divorced happened on XX/XX/XXXX but they are still insisting that they need property division along with the divorce decree. I also reminded them of the XXXX modification that had removed the co-borrower but and that I don't even know where the co-borrower even lives anymore. 

In summary, XXXXXXXX XXXX XXXXXXXX never recorded my permanent modification that removed the co-borrower and neither bank has honored my modification resulting in my inability to be modified now. I now have an active application with the HAF program and was given an extremely hard time getting my letter of reinstatement for that application to move to next step in the HAF application process. I had to ask a HAF representative to join in on a three-way call with Carrington. After being on the phone for nearly two hours, Carrington finally connected their XXXX program XXXX with the XXXX representative helping me with my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE MADE A CRIMINAL COMPLAINT TO LOCAL AND FEDERAL AGENCIESI am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Money transfer, virtual currency, or money service

The funds were accepted by Wise.com ( formerly known as TransferWise ), despite the account name being incorrect. The funds were fraudulently transferred to account number XXXX, with routing number XXXX. I have attached details of the unauthorized transfers to this account for your reference. We contacted Wise to request the closure of this account ( account number XXXX, routing number XXXX ) after it accepted unauthorized funds under a different account name. However, Wise declined to close the account and was unwilling to return the funds, despite the mismatch between the account names.
Product: Credit card

There are several charges on my account, that I had no knowledge of. A third party debt collector contacted me, I contacted the bank to start the dispute process, they told me itd be resolved within a week or two. They denied my dispute and suddenly I owe a crazy amount of money and they keep calling me asking how Im going to pay it. Every time they call, the person says a different number that I owe. No one seems to be on the same page. I tried setting up auto pay with one employee, then the next person that called me said it wasnt set up. I had a renters insurance payment deposited into my savings account at this bank, which I was planning to use for food, but they took the entire amount and transferred it to my balance on my checking account and somehow I still owe more on that account, PLUS the credit card account.
Product: Credit reporting

The credit agency put wrong information on my credit report I never had XXXX. I called and wrote letters but they still have not removed information from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report which is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and need to get deleted immediately : XXXX FOR Inquired on XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XXXX, 2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX  Inquired on XX/XX/2021 XXXX  XXXX  Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is 7 years old and now the debt collection company has bought it and reporting as new.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B means we must remove incorrect accounts from my credit report. Can you check the documents? Some listed accounts have inaccurate reporting, amounts, and dates.
Product: Credit reporting

I repaired my credit in 2008 as it had incorrect information - wrong names, social security number, employment history, etc. Now, XXXX plus years later I have completed a loan application but can not complete the signing of the application because I can not answer the security questions. The loan firm is ( XXXX ) who uses ( XXXX ) who in turn uses the LexisNexis database. Apparently the credit agencies did not update LexisNexis with the proper information so I can not get the final approval for my loan. I now have a hard search on my credit for nothing due to the misinformation in the LexisNexis database.
Product: Credit reporting or other personal consumer reports

I have Disputed Fraudulent accounts on XXXX credit re and even after investigation some information was not deleted as i requested. I submitted these accounts to my FTC report as well.
Product: Checking or savings account

On XX/XX/2022 I tried to make a deposit on an ATM machine, and the machine stopped working without returning me the money neither depositing on the account. 
The machine just printed a receipt saying the ATM stopped working, I called Citibank to open a case and the told me I have to wait 5-10 business days to credit me the money on the account. It wasnt nu fault what happened and Ive been trying to call customer service to accelerate the process. Today I called and they said that they investigated and there wasnt any discrepancies on the ATM machines. So now I have to or lose my money or open a new case and wait 10 more business days. The amount was for {$700.00}. I feel frustrated and discriminated, my rights are been violatef
Product: Debt collection

Had a Capitol One card..Went into collections, and was paid through XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ... .I keep getting calls and harassment from XXXX, I have explained many times that the debt is paid in full, they do n't listen ... .I 'd like to make a claim against them to stop this nonsense ... .Their phone # is XXXX they go by Portfolio Recovery ... .Please advise me what to do ... I have all the docs from XXXX XXXX that it has been paid
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello this is a formal complaint to request all credit reporting agencies including XXXX, XXXX, and Equifax to stop reporting invalid information in my name. Listed account information XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX are in no way mine. There is a public record for child support on my report and I DO NOT EVEN HAVE KIDS. That is false and misleading and has stopped me from getting a promotion amongst other things. The listed account XXXX XXXX XXXXXXXX # XXXX that I do recognize is not only never late but in very good standing. The credit reporting agencies have taken fraud to a whole new level all while violated the federal law.
Product: Credit reporting or other personal consumer reports

State of XXXX XXXX of XXXX XXXX XXXX XXXX, being first duly sworn, deposes and says : Identity : I am the individual whose name appears on the credit report issued by on XXXX, Experian and XXXX XXXX. 
Dispute of Inquiries : I dispute the accuracy of the following inquiries listed on my credit report : 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. These inquiries were made in violation of 15 U.S.C. 1681b and 1681n, as they were not authorized by me or made for legitimate business purposes. 
Dispute of Collections : I dispute the accuracy of the following collections listed on my credit report : XXXX XXXX XXXX. These collections were reported in violation of 15 U.S.C. 1692g and 1692c, as they were not valid debts or were not properly communicated to me. 
Dispute of Charge-Offs : I dispute the accuracy of the following charge-offs listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These charge-offs were reported in violation of 15 U.S.C. 1681e and 1681i, as they were not accurate reflections of my creditworthiness or were reported in error.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

The interest rate on my federal student loans is so high that I literally can not pay them down ( 8.5 % ). My total debt has increased from {$66000.00} to {$86000.00} in only 5-6 years, and I make monthly payments diligently ( nearly $ XXXX/month ). I attempted paying ahead by a month, to see if that would affect the accruing interest, but it has not changed anything. The monthly payments are already high enough to keep me living paycheck to paycheck, and I feel I may never be able to afford a house or a family in this lifetime. The educated future of the United States is being robbed and tossed aside. 

SOMEBODY PLEASE HELP US!
Product: Checking or savings account

I recently had several unauthorized ATM transactions show on my Santander Bank account. There are still 2 transactions that have not been refunded. {$800.00} on XX/XX/XXXX and {$150.00} on XX/XX/XXXX. Now, I contacted them by phone via relay service ( Im XXXX  ), and the call got locked up near the end. So Im not sure if my dispute was actually filed or not. I decided to communicate through the CFPB instead of relay service so that its on record.
Product: Debt collection

Their are two collection companies which has put inaccurate information on my credit report in collection Credence resource management for {$290.00} that was put on my credit report on XX/XX/2024 XXXX XXXX XXXX for {$330.00} that was put on my credit report as well on XX/XX/2024
Product: Credit reporting or other personal consumer reports

i disagree with the account listed below which still appears on my credit report, i would like this item immediatly re-investigated, the inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting an old account on my report, via American Express, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand American Express provide evidence that I have not settled this account or that I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both American Express and XXXX. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe American Express a dime, and they know it, and XXXX   should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have other names social security numbers addresses phone numbers and accounts that have never belonged to me in my reports and Experian XXXX and XXXX keep showing this information against my person
Product: Debt collection

I was renting an apartment with XXXX apartments in 2015 and had a overdue balance of {$1200.00}. Due to the manager not accepting my full payment to clear the balance, my account was sold to an collection agency for a much higher amount then what i originally owed. From this company 's sending me to collection, this has damaged my credit score and has hurt me tremendously financially. The outcome I would like from this is to have this account removed from my credit. When I've offered to pay the original amount with the collection agency, they did not accept my payment to satisfy my account. instead they put it on my credit with a balance of {$2000.00}.
Product: Debt collection

Wakefield and associates has claimed I owe a debt of {$980.00} originally owed to XXXX XXXX XXXX. This debt was supposed to be paid by insurance as I called back in 2021 to verify this with the dental practice. ( they said and I quote " do not worry about this, the insurance will pay this '' and that was the last I heard from them ) To my knowledge it has already been paid by my insurance. ( on my app i have i can see where there was a payment from XXXX to the dental office for {$980.00} ) Additionally, XXXX XXXX XXXX never notified me of any owed debt via any method. ( therefore I was not given any opportunity to pay a debt I had no knowledge of ) furthermore Wakefield and Associates has not notified me of any debt either. How can an individual pay a debt they are not notified of/aware of? That's not operating in good business or fair practice by either business.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting AcXXXX XXXX Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$2000.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The Experian must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

After receiving at least a dozen direct mail solicitations to open a Citi XXXX XXXX Savings Account, i opened a new account thru their online process, and funded a {$50000.00} deposit XX/XX/2023. After the passage of 90 days, I was to receive a promotional credit of XXXX American Aadvantage bonus miles. I have called and emailed them inquiring of the status, no miles received - and pretty much impossible to get any communication at all going with them. After i have spent 40 years in the financial services industry, i believe my understanding of the way a relationship of this nature should work. I have re-read their mailer closely, and believe i have complied with their program. If i missed something, it should be considered a XXXX violation. I can supply an image of the mailer if needed.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me a updated credit report after you have completed your investigation and corrections.

Your Cooperation and prompt attention are greatly appreciated.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. 
The Closed Date is inaccurate, This inaccurate information falsely manipulates the statute of limitations. On day XX/XX/XXXX, I sent a letter to Experian asking them to reinvestigate these accounts : XXXX XXXX XXXX # XXXX, and here is my tracking number : USPS XXXX, and Experian failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Experian : XXXX XXXX XXXX # XXXX. 

include the letter I send to Experian on the day XX/XX/XXXX include the USPS receipt on the day XX/XX/XXXX include the XXXX report on the day XX/XX/XXXX
Product: Debt collection

I have never done business with this company. I owe this company nothing. 5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!