23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been sending documents from XX/XX/2018, to XXXX XXXX  for a loan modification or workout or some kind of help so that I would not lose my home. 
We sent at least 15 packages to XXXX, before they gave the loan servicing to Loan Care. 
Before XXXX gave the servicing to Loan care they pretended that I was approved for a loan modification. I waited and then Loan care came into the picture. 
WE sent the same documents to Loan care at least another ten times and now they have sent me a denial for a loan Modification : Reason - Max amount that can be modified by XXXX/LoanCare. 

I was never notified of any max amount for my loan to be modified.

I have been sending in documents continuously to save my home. 
If there was truly a max amount and my loan could not be modified because of it why was i not notified before? 
All of the workers gathering documents never once said a reason that I received in the denial letter. 
There are some very serious issues going on with XXXXLoan Care with the servicing of my home loan.
Product: Debt collection

XX/XX/2016 I lived in XXXX XXXX XXXX, was diagnosed with XXXX XXXX and could not work any longer, and had no choice but to move out, talked with the landlord before I moved and she stated since it was a serious medical condition, it would not be reported as a broken lease. But now it is and it's hurting my credit badly. 
Now it's on my credit report and the apartments is under another management company and that manager is no longer there and they have no files on me at all. 
Hunter Warfield Inc XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX Original Amount {$3000.00} Balance {$3800.00}
Product: Credit card

I been a victim of identity/fraud theft. I am buying a house and my mortgage broker advised my not to have any accounts remained or are in dispute. This been on my credit report started in XX/XX/XXXX  for XXXX according to FCRA sec 623 enforce FACTA 312 if unable to perform a reasonable investigation then this info is required to be removed as well as 15 usc 1692 g validation of debt. This account is been over 120 old and its just been verified and updated to keep the statue of limitations ongoing. I would like this removed immediately off of my credit reports
Product: Credit card or prepaid card

on XX/XX/2022 I was alerted to a change in my credit report. When I checked I found XXXX hard inquiries for credit cards I did not apply for. XXXX and US bank.
Product: Vehicle loan or lease

On XX/XX/2024 XXXX I was discriminated on the behalf of my Consumer transaction With NAVY FEDERAL CREDIT UNION . 


Given the fact the Consumer transaction is Predicated on my behalf. It is a Consumer transaction because I wanted to access a portion of my unlimited credit Its called a remittance transfer for acceptance for value of my cestui que trust. 


15 U.S. Code 1611 - Criminal liability for willful and knowing violation 12 U.S. Code 83 - Loans by bank on its own stock 12 CFR 1002.2 - Definitions. Adverse action. 

( 1 ) The term means : ( i ) A refusal to grant credit in substantially the amount or on substantially the terms requested in an application unless the creditor makes a counteroffer ( to grant credit in a different amount or on other terms ) and the applicant uses or expressly accepts the credit offered; ( ii ) A termination of an account or an unfavorable change in the terms of an account that does not affect all or substantially all of a class of the creditor 's accounts ; or ( iii ) A refusal to increase the amount of credit available to an applicant who has made an application for an increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo improperly reported a balance on a paid off closed credit card account and is now harassing me money, and frequently posts late payment inquires under my credit score. Which in turn is defamation of my credit score and my name. I have tried contacting them in XXXX of XXXX  and the customer service rep agreed she would look into it at she did she there looked to be an error. They since they keep reporting late payments on my credit report and hurting my 100 percent on time payments of 14 years.
Product: Debt collection

I have 21 unauthorized inquiries on my credit report, I've called Transunion several times about these inquiries that do not belong on my credit report, one of the representatives told me that they would get the inquiries removed from my credit report when I checked my credit report again, I seen that the inquires were not deleted and the next rep that I spoke to told me that now I needed to mail in documentation in order to get them deleted but that is not what I was told the first time. Due to these unauthorized inquires that are on my credit report I have been so stressed out and losing sleep due to the fact that I can not get them deleted and due the fact that these UNAUTHORIZED INQUIRIES HAVE MESSED UP MY ABILITY TO OBTAIN CREDIT, WHICH IS ONE OF MY RIGHTS AS A US CITIZEN. According to the FCRA the three credit bureaus have to CORRECT False information and in this case they have not done so... 

Violations of the Fair Credit Reporting Act ( Failure to correct false information. ) I will list all the credit inquires here and I would like them deleted immediately due to the fact they don't belong on my credit report XXXX Credit Unions XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Auto Dealers, New XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Credit Unions XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Loans XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Commercial Banks XX/XX/XXXX TransUnion XXXX Personal Loan Companies XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX Commercial Banks XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Installment Loans XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion
Product: Credit reporting 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 XXXX XXXX XXXX. 

XXXX  Account # Unknown XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX Account # Unknown XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX I looked at my Equifax credit report on XX/XX/year>2025 and notice some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 INQUIRES DO NOT BELONG TO ME.
Product: Credit reporting or other personal consumer reports

XXXX resulted in a massive breach, along with XXXX, and Experian. my information has been exposed to the internet and these following fraudulent accounts need to be removed. 

I received a copy of my credit reports and am writing to dispute the following FRAUDULENT ACCOUNTS from information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} Date Opened XX/XX/XXXX XXXX XXXX  XX/XX/XXXX {$860.00} XXXX XXXX XX/XX/XXXX {$410.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} XXXX Diversified XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, TransUnion, and XXXX have 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, and I HAVE NOT given ANY consumer reporting agency written instructions to furnish anything. 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 purpose.15 USC 1692b without the prior consent of the consumer given directly to the debt collector, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer. I have not given consent to ANY collection 's agency REMOVE ALL LATE PAYMENTS AND COLLECTIONS FROM MY CREDIT PROFILE IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax are violating my consumer rights! 15 U.S.C 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

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$250.00} XXXX XXXX  XXXX  XXXX {$290.00} XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

The original creditor XXXX  XXXX notified me that the account has been closed & for the credit bureaus to block the information from reporting
Product: Credit reporting or other personal consumer reports

I sent you a letter several times, asking for you to investigate the information reporting on this account and I received a response from you stating that the account was verified and there would be no change. 

After receiving that response. I sent a letter to the companies in the previous month asking for them to verify the information. I received no response. 

I have exhausted all of my options to resolved these matters and I am now demanding that the account be deleted from my credit report due to being invalid and unverifiable. If no proof of debt exists and there is no verifiable information, then the information may not be reported to the credit bureaus nor reported by them under the Fair Credit reporting Act. 
XXXX XXXX
Product: Consumer Loan

Auto Lease was written off in 2009 with XXXX. They recently reestablished the loan so they could re-enter the information on my credit report. Statute of limitations has expired per Colorado XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX and Equifax to do research into this invalid collection and provided documentation, no real investigation has been done. I continue to receive an update that says the collection is valid as per the collection agency but with no evidence that I owe this {$170.00} dollars. 
XXXX XXXX collection agency refuses to cease collection activity on a debt not owed to them. The original creditor in which they have stated I owe have been in communication with me via email and I have submitted letter and documentation that I no longer owe any amounts and my account was paid in full. The original creditor XXXX provided correspondence through its presidents office and stated on email I owe XXXX no more money and did mention there was a collection fee of {$170.00} left on my account that would be deleted as they did not use the collection agency, I paid the creditor directly. With this email the collection agency along with the credit reporting agency continue to report this account in which the debt is invalid. I have disputed the validity of this entire debt as I have no business with this collection agency I owe them no money and am not liable for a collection fee in which they collected no money.
Product: Debt collection

A debt collection company " I C SYSTEMS COLLECTIONS '' on behalf of XXXX XXXX has reported that I owe {$120.00} to credit agencies. 

The last time I had a XXXX XXXX account was XXXX of 2019. That service was at an address, XXXX XXXX XXXX XXXX, GA which I left in XXXX of 2019. At that time I paid the final bill, returned equipment and never got another correspondence from XXXX since XX/XX/2019. I've not received an email, phone call or written notice that anything was owed or that I was being sent to collections. I had absolutely no opportunity to address any issues with XXXX or I C and now have a collections on my credit. 

Until this appeared on my XXXX credit report I had no idea that their was an issue and to date I have still not received anything stating that I owe anything to XXXX  much less what it is that they claim I owe {$120.00} for. 

I don't live at the address where the service was but XXXX had an email address and phone number to reach me if they needed to reach me about something I owed. Instead they chose to silently send a balance which I do not believe I owe to a collection agency.
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. Account Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A . States : I have a right to privacy. 15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 items 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: Credit reporting, credit repair services, or other personal consumer reports

wE GOT A AUTO LOAN FROM BBVA USA TO WHOM BREACH CONTRACT AND DEMANDED DEBT CANCELLATION 1099-C FROM THEM. DURNING THIS LEGAL FIASCO! PNC BANK ACQUIRED THE LOAN. WE TOLD THEM TO CANCEL LOAN CONTRACT OR FACE CLASS ACTION LITIGATION. AS OF TODAY BBVA USA IGNORED THE STATE OF AL COMPLIANT AND PROCEED WITH BRAKING THE XXXX XXXX XXXX XXXX REFORM AND CONSUMER PROTECTION ACT. AS WELL AS COLLUTED WITH XXXX XXXX VIOLATING THE FCRA 15 U.S.C. SECTION 1681g by credit file suppression.
Product: Credit reporting or other personal consumer reports

They company reported back to my original complaint on XXXX that they verified and checked the accounts they lied I pulled up my credit report as of today and one item they claimed was not there is showing there as of today which further proves they have not done their due diligence to fix the errors on my credit report. Identity theft should be taken more seriously and handled immediately this company has been a hinderance and has prevented me from a fair and completely accurate report they should not be considered a credible source of information as I am providing information they formally lied in a cfpb complaint.
Product: Mortgage

The mortgage company is refusing to take payments- they have misapplied payments- they have lost payments and they have refunded payments, creating chaos. 

They have treated me with utter contempt and disrespect every step of the way.
Product: Mortgage

Atlantic Union as mortgage servicer failed to pay the real estate taxes for XXXX  Now a penalty and interest has been assessed. Mortgagee can not speak with the mortgage service department. Atlantic Union provides AWFUL service. 

These are the documents to identify the problem. XXXX XXXX
Product: Checking or savings account

Netspend has been stealing money from my XXXX deposits for the last 4 years and this month XX/XX/XXXX I had XXXX taken from my XXXX payment leaving me with XXXX for the month. I can not pay my rent and utilities because of the money not being there and netspend refuses to refund me anything. I'm in mental distress and don't know what to do, they have been doing this for years and I would like them held accountable and need advice/help and would like this investigated ASAP and would like every XXXX back that they have literally stolen from me. This company needs to be shut down immediately and investigated thoroughly and everyone they have stolen from refunded. I see XXXX lawsuits against them already and they still are being allowed to operate and rip people off. I am legally XXXX and am not able to work the numbers they have taken from my netspend account but it's in the tens of thousands, and XXXXXXXX XXXX being the largest theft of all, out of a XXXX deposit they took XXXX leaving me with XXXX and leaving me in a position to lose my apartment, my utilities being shut off, and netspend not even investigating it to give me the money back that was very much stolen. This is 100 % unexceptable and as far as I'm concerned, and I'm sure alot of other Americans feel Netspend should be shut down permanently or until a full investigation is initiated and netspend needs to pay back every XXXX + a 100 % added fee for every customers hardships that netspend has caused. I want to sue this company for XXXX XXXX dollars for my mental anguish and hardships they have caused me for the last 4 to 5 years
Product: Credit card

This complaint is related to CFPB # XXXX and CFPB # XXXX - Details of this complaint are the same as outlined in the other above referenced complaint file numbers. This Chase card is for our business ( XXXX ) and it was opened with Chase however it is not reporting on XXXX so we are not sure what the source document that was used by Chase to make the decision to reduce our credit limits on this card. It has been open for a number of years ( over 5 ) the business has been established since XXXX. We contacted XXXX XXXX XXXX and they have a file however the file is empty because no one has been reporting XXXX to them. 
We have requesting a copy of the credit source document from Chase however as of the date in filing this complaint, we still have not received it. We also have not received a letter in writing tell us they have reduced the credit limit on this credit card - they only told us verbally in a phone conversation from XXXX, XXXX and XXXX. 
The reasons for the credit reduction ( as we were told verbally ) are all the same for the XXXX accounts we have with Chase. 
Again, we feel violated and insulted over this action and feel it is not justified. THESE PEOPLE LIED TO US AND WE WANT THEIR PROOF OF A LATE PAYMENT HISTORY ON 1 OR MORE ACCOUNTS IN WRITING. 
When I reviewed my XXXX credit report - the Chase XXXX credit card is not even showing on the report - so where are they reporting the credit rating on this account?
Product: Credit reporting, credit repair services, or other personal consumer reports

Around 2011 I had a credit card that they say I didnt pay my credit card which it was not true.
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 toprivacy and confidentiality under 15 USC 1681. 

U.S. Bankruptcy Court reference number XXXX U.S Bankruptcy Court reference number : XXXX U.S. Bankruptcy Court XXXX number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 ) y ( 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: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX  ) 15 U.S.C. 1681 section 602a State I have the right to privacy.

15 U.S.C. section 602a it also States a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

On XX/XX/2019, a summons was left on the ground of the front gate of my apartment building, exposing my personal information to the public. This is in regards to a debt that was removed from my credit report by Capital One and fraudulently replaced on my credit report by XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Certegy declined my check on the date of XX/XX/19 in the amount of XXXX Social security number:XXXX Check number:XXXX Reference number : XXXX