23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To Whom It may concern, I XXXX and XXXX XXXX would like to formally complain about my mortgage servicer Mr. Cooper. I submitted my complete application for mortgage assistance about 2 months. I keep following up and I speak to many people seems that no one knows whats going on. They've been give me the run around transferring me all over the place. Finally today, they told me theres no time to review and that I hand a sale date set for XX/XX/2018. As you can see, I've been bounced around given wrong information not just by rep but by managers. They admitted to handling wrong our case and that he was sorry but that my house will go for sale on XX/XX/2018. I explain that I have a family and that we are going to be in the street and my mother is very Ill to be move suddenly but he did not show any sympathy towards my situation. I stated to him that I do not want to lose my home that's all we have and that I will be thrown out with my family and no place to stay he he did not care I felt very discriminated at that point. I don't understand why they would ignore my application all this time and they waited to get close to a sale date to tell me they didn't review my application. I ask why is he treating us like that I don't deserve to be treated fair like everyone else its clear to me that you are discriminating me he disconnected the call and left me with words on my mouth. They are not even allowing me to appeal. All I'm asking is a fair review and for my sale date be postponed so they can get a chance to review my package and review my current situation with and to stop discriminating me. If this does not go anywhere I am going to seek legal advice to see if I can sue my mortgage company. I give permission to Consumer Financial protection Bureau to speak on my behalf and get to the bottom of this I am scare to call on my own mortgage servicer.Please, help me I do not want to be thrown out on the street with my family. Yours truly, XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my XXXX credit file. 
XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

Back in XXXX  I purchased a vehicle which was over XXXX  years ago. This vehicle is still on my credit which I have dispute over three times asking it to be removed off my credit and they have yet to do so. This car is not my responsibility and I want it removed off of my credit ASAP
Product: Debt collection

Transworld continues to send the XXXX student loans to collection agencies even after I was able to get the loans deleted from my credit reports. Transworld has sent the loans to XXXX different collection agencies to get me to pay it, I never signed any agreements with XXXX XXXX XXXX or Transworld. The only documents that were sent had XXXX XXXX XXXX on it not XXXX XXXX XXXX. XXXX XXXX XXXX must show proof they own the debt and ca n't just claim they do. I already spoke with a FDCPA attorney on this and XXXX XXXX XXXX must have proof they have the rights to collect on those loans, it is not enough to send promissory notes that I signed with another company and claim that you own them without any proof. XXXX XXXX states they no longer own the debts and XXXX XXXX XXXX should have sent documentation to me that they purchased the loans and have the rights to collect on them. My mother received calls about these loans even though her name is not on them, they told her they were looking for me. Even though that was not a number to reach me and they knew this. I do not want any more collection letters on these loans. I just had XXXX XXXX call me today on these loans but XXXX had the loans about two weeks ago. Transworld needs to leave me alone. I do not owe XXXX XXXX XXXX anything because I never received proof they have the right to collect on the loans because NCT is a trust not a company and per state law they have to follow trust regulations which they have not.
Product: Payday loan, title loan, personal loan, or advance loan

I have already paid title max more than what l had borrowed. Every time l make a monthly payment it asks you to renew the contract and the amount never goes down. I just want my title back. I stopped making payments and I'm not paying them anymore.
Product: Credit card or prepaid card

I had been trying to to contact Commenity in XXXX but had trouble with the website. My bill was due on XX/XX/XXXX. I had try to contact that by bill would be delayed beforehand. I sent my bill in on XX/XX/XXXX to pay {$1500.00}. The website was down. After processing they had charged me a late fee and also out of nowhere reduced my credit limit to below my balance, lowering my credit score and causing an additional host of problems. The company has been unreachable and website has been down for weeks.
Product: Credit reporting or other personal consumer reports

Subject : Late Payment Verification Dispute Dear [ XXXX, Transunion ], I hope this letter finds you well. I am writing to dispute a late payment entry on my credit report associated with your company, XXXX XXXX XXXX XXXX XXXX XXXX ]. After reviewing my credit report, I noticed 4 late payment notation for the account [ XXXX ] I believe there may be an error in the reporting of this late payment, as I have always been diligent about making timely payments. To address this matter, I kindly request that you provide verification of the late payment, including but not limited to : 1. Date and amount of the alleged late payment.

2. Proof that the payment was indeed late.

3. Any communication sent to me regarding the late payment.

4. Method of verification used to verify account I understand that accurate reporting is crucial, and I am confident that this matter can be resolved promptly. Please investigate this dispute and provide me with a written response within 30 days, as stipulated by the Fair Credit Reporting Act.

If, after your investigation, it is determined that the late payment entry is inaccurate, or you can not provide the requested information I request that you promptly update the information with all major credit reporting agencies. Your cooperation in resolving this matter is greatly appreciated.

Thank you for your attention to this dispute. I look forward to a timely resolution. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Mortgage

Hello, my name is XXXX XXXX.
I have a mortgage company by the name SLS. I bought my house for XXXX . My balance XXXX. It already reached 78 percentage and they 're not taking the PMI off. I talked continuously many times. Now they want to do a appraisal and the loan is already less than 80 % percent. Now they 're trying to charge me to do a appraisal. Please help me out.
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Sincerely, XXXX XXXX Account Number : XXXX ( Phone Number for SLS : XXXX ) If you have any question please call me or my husband XXXX XXXX at XXXX.
My e-mail address : XXXX
Product: Mortgage

Escrow analysis that I received is incorrect. They are calculating XXXX years of property taxes into my escrow, not XXXX year. Proof of all bills is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX DEPT OF EDUCATION/XXXX : XXXX DEPT OF EDUCATIONXXXX 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Victim Fraud Assistance Department, Equifax Breach Victim I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove closed account information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to XXXX, Equifax  and XXXX  as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to XXXX, Equifax and XXXX. Please stop reporting this fraudulent information and delete these items attached to my complaint as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home.
Product: Debt collection

I am the victim of identity thief. My data was stolen from XXXX and XXXX during their data breach. I have experienced incident ID theft in several forms over the past years. 

I received notification for XXXX there is a debt collection mark on my credit report from I.C. SYSTEM, INC. I do not owe them or anyone any thing. This is fraud. They been put on notice years ago. They are marking my account again.
Product: Credit card

In XX/XX/year> my husband was in a car accident that totaled our car. He was out of work for 7 months, during that time he was not paid from work, we entered a program with NFCU to pay a lower payment for a year to keep our account open. We made all the payments on time and completed program. This was on all the cards we have for myself household. ( Both in my husbands and my name ) after this tough time, they discriminated against me and decided to close all of my accounts after I fulfilled my obligation without fail. Now I had this horrible time and sacrificed to make the payments only to lose the card I was working to keep. Its really shameful that they would treat their members in this manner
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I received a text confirming signing up for message from XXXX XXXX. I had never signed up for anything here. Then on XX/XX/XXXX I got a phone call from XXXX that works there with some questions about a loan I applied for. I never applied for a loan there, so they denied any application on record. 

Then on XX/XX/XXXX I received a letter in the mail from CapitalOne saying the credit cards I applied for on XX/XX/XXXX were denied. I never applied for any credit cards there or anywhere else on that date.
Product: Credit card

Navy Federal Credit Union cut off access of me using my cards knowing its my own credit that was granted for life, liberty and pursuit of happiness. They also never applied the presented securities to my account creating mail and security fraud. They withheld me from achieving excellence with my credit since banks dont loan money via XXXX and denied me a credit increase, which is eminent domain. The law states that anything over {$1.00} can be claimed and redeemed, which my rights were also denied.These unlawful actions are a breach of contract.I demand compensation and accounts be fixed and in good standing with unlimited access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. 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 Dept of ED : XXXX ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ) Bankruptcy XXXX XXXX XXXX : XXXX XXXX  : XXXX XXXX/XXXX XXXX Dept of Ed : XXXX XXXX   XXXX/XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a few purchases at sears and were told a soft credit check will be made to see if I 'm approved for a sears card. Now my credit score is affected due to what turned out to be a hard inquiry.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting

XXXX continues to sell to collection agencies Been 15 years since I had dealings with XXXX not my debt opened by someone else keep trying to collect removed 2 years ago now back active on my credit when checked ....
Product: Money transfer, virtual currency, or money service

I am a PNC bank cust. Another PNC bank customer ( XXXX XXXX ) had a listing for a house for rent. He showed me the house and I signed the lease. He requested I pay him with XXXX since we both had the same bank. I had never used XXXX so I visited a branch nearby and the assistant mgr walked me through it. {$1000.00} on XX/XX/2019 for security and pets and {$700.00} on XX/XX/2019 for 1st month rent. Afterwards the guy stopped returning my calls and through the local police I found out he didnt even own the home and it had been sold. I filed a dispute with PNC because this was fraud and a XXXX  violation but they told me since I initiated the two transactions I was at fault and they would not help me.
Product: Debt collection

I filed bankruptcy and Cherry Technologies was dismissed through the bankruptcy. Bankruptcy was XX/XX/year>. Cherry technologies continues to contact me about paying off my debt. My attorney has contacted them on 3 separate occasions. Asking them to quit contacting me. Cherry Technologies continuously contacts me and leaves Voicemails.
Product: Credit reporting or other personal consumer reports

improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. i hired a lawyer to sue them to find out who did this to me if its my x husband or another family member this is the tracking number of usps that i sent to the experian and XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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 XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am formally writing to express my concerns regarding Zelles handling of my disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scammers. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

There are inaccurate names, addresses, and inquires not authorized by me. Please block and delete this inaccurate information. FCRA states that the information on my credit report is supposed to be 100 % maximumly accurate. 
Inaccurate information : 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 My accurate name and address are 'XXXX XXXX XXXX no other name, but XXXX XXXX XXXX and my correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled by credit report and noticed credit inquires that i do not recognize, unauthorized and did not consent to. i must have been the victim in a cyber hack or identity theft. these non-account holding inquires with : US Auto Sales, XXXX  XXXX XXXX, XXXX XXXX  and XXXX XXXX are NOT mine, i do not recognize and did not authorize! these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. This has caused me much stress and anxiety and has had a very negative impact on my life. I will be taking legal action on this account.