23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX I was in decent financial shape, never had a late mortgage payment and employed. I applied to refinance my mortgage with arvest central mortgage since the rates were so low and I no longer would have to pay pmi as I owned more than 80 % of my home. Lowering my rate and getting rid of pmi would significantly lower my mortgage payment. I am a single mom, working 2 jobs so any help would have gone a long way. I was approved at a lower rate, submitted all documents, paid the {$500.00} fee and was ready to go. My loan officer got married during this time and was on vacation. He continued to ask for additional information regarding my child support and other documents that were not initially requested. He was slow to get back to me and because my child support payments had only started being directly deposited into my account for 4 months ( although I had been receiving child support for over a year ) I was only able to show through my bank the 4 months instead of the 6 he was asking for. Before I was able to provide the requested documentation of the additional past 2 months of child support. The officer closed my loan and say d I would have to start over. Even though he was the one who had been unavailable for most of the 30 days. Within a week, due to covid, I lost my job and weeks later my XXXX XXXX XXXX daughter was XXXX  out of state. I missed a mortgage payment, effecting my credit score, had to apply for covid forbearance, owe over XXXX in mortgage payments, am not unable to get a lower rate or refinance at all, continue to pay pmi even though I own well over the amount needed of my home and my credit has plummeted. If I had gotten that refinance loan in XX/XX/XXXX as I should have, I would have been able to afford to pay my mortgage throughout the pandemic. I am now in a position that I can not apply for refinance due to forbearance and probably wouldnt qualify due to my bad credit ( that never had been bad up until this point ). I have been working fill time for over 6 months but have still not been able to catch up from this terrible incident in XX/XX/XXXX with my mortgage company. I have spoken to them about it, they said they could do nothing other than offer me the forbearance which I took as I was desperate at that time and didnt want to lose my home and become homeless with my XXXX children. I am a XXXX XXXX, and assist my clients often with the rental assistance programs and utility help, but if you own your home, even though you are so behind, it doesnt seem like there is help? 
Thank you so much for any help, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to you today to inform you tha I am a victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

At the end of my 3 year lease term for a XXXX  XXXX XXXX that I leased through Hyundai Motor Finance I received an Itemized Bill and Estimate of Excess Wear and Damage and Notice of Rights statement. Not agreeing with some of the damage they have called out as being excessive, I attempted to resolve the dispute directly with Hyundai Motor Finance. While I was transferred around to various departments over an approximately 3 hour period of being on the phone, I was told by numerous employees in the Lease Maturity Department and Lease End Option that I am not permitted to dispute the findings despite the fact that the Notice of Rights Statement they sent me specifically articulates that I am permitted that ability. Even more frustrating is that the last representative initially acknowledged to me that when viewing the pictures the " independent '' appraiser took of the car he too could not see the damage. Clearly, something that can be argued whether there is any damage at all, should not be considered as excessive damage for a 3 year old vehicle. I would like the CFPB to look into these deceptive and misleading sales practices on my behalf. Specifically advising their own customers they do not have rights that the law indicates they specifically do to avoid any potential that will come out of a successfully argued arbitration case. I still do not know how or where to pursue an arbitration case and am seeking the CFPB 's assistance in obtaining and communicating that information to me to action. I have recordings of the calls if it will help.
Product: Debt collection

The Company, Pro Collect inc, proper validation of this debt. I, and the credit agencies need all documents evening the alleged debt, including the original account application, contract, and statements. they need to provide the complete chain of documentation showing all assignments of the alleged debt from the original creditor to the company Pro Collect inc. All documents relating to the purchase of the alleged debt by the company Pro Collect, inc , and any attachments thereto. they also need to provide all documents demonstra

ting ProCollect inc legal standing to bring this action. 15 U.S code 1692c 1692g 1681e ( b )
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$20.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4200.00XXXX XXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX KXXXX XXXX XXXX XXXX Balance : {$20.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6200.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$6200.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$120.00} TXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I purchased a vehicle from XXXX XXXX XXXX. Afterwards i noticed that there were 2 hard inquiries on my credit report. One from the dealer and another one from XXXX XXXX which financed my loan. When I asked the dealership about this they mentioned that the dealer need tk pulll credit for privacy policy. First of all I dont understand why they need to pull credit for privacy policy when they are not lending money and secondly they did not take my proper authorization to pull credit and never mentioned that there would be 2 pulls. They are blatantly stating that I filled application when I explore asked with the salesperson that there wont be any pull and definitely not two. I feel cheated and defrauds and it has impacted my credit. These kind of dealership and there so called finance directions have no idea about lending laws and they are playing around with peoples credit
Product: Debt collection

In XX/XX/XXXX, I received a collections notice from Affiliate Asset Solutions LLC stating that they had bought/sold Pendrick Capital Partners LLC debt for amount referenced below. 
The original account, not belonging to myself is as states. 

Patient : XXXX XXXX Original account number : XXXX Original creditor : XXXX XXXX XXXX XXXX Date of Service : XX/XX/XXXX Balance Due : XXXX Upon receipt of this letter, I sent a reference letter and dispute to Affiliate at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX GA, XXXX. 
I have received no correspondence and now this reflecting on my credit reports. 

I, XXXX XXXX, was not treated for any condition on XXXX XXXX. If I was, it would have been in KY, where I reside and would have been covered by KY XXXX which I received for many years. Beside the fact that this is an inaccurate debt, any treatments disclosed in the itemized bill sent to the creditor would have violated HIPPA. 

This debt was not incurred by me and does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed five hard inquiries that do not pertain to me. The first hard inquiry is for PAYPALCREDIT the date of the inquiry states XX/XX/XXXX and the institution 's information is Paypalcredit XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The second hard inquiry that does not pertain to me is an inquiry that states XXXX/XXXX XXXX. The date for the inquiry states XX/XX/XXXX. I have never heard of this company in my life and I did not try to open anything under this. Institution information for this is XXXX/XXXX XXXX XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The third hard inquiry that does not pertain to me is XXXX/XXXX. The date for this hard inquiry is XX/XX/XXXX. I have never tried opening anything under this account. This is a fraud. The institution information is XXXX/XXXX XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The fourth inquiry that does not pertain to me is XXXX. The date for this inquiry is XX/XX/XXXX. Institution information is XXXX XXXX XXXX, XXXX XXXX. I have never tried opening anything under this company. The phone number is ( XXXX ) XXXX. 

The Fifth inquiry is XXXX. The inquiry date is XX/XX/XXXX. The institution information is XXXX XXXX, XXXX XXXX and the phone number is ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXXXXXX have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following personal credit card accounts : XXXX XXXX XXXX XXXX  - Account # : XXXX, Date Opened : XX/XX/XXXX XXXX XXXX  - Account # : XXXX, Date Opened : XX/XX/XXXX XXXX - Account # : XXXX, Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX - Account # : XXXX, Date Opened : XX/XX/XXXX XXXX XXXX. - Account # : XXXX, Date Opened : XX/XX/XXXX These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts or the collections reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud.

I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud. I reuploaded this complaint because I forgot to attach forms of identification.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2022, Synchrony Bank requested documentation of three payments I made related to the dispute. On the same day, I faxed my bank statements that included the payments. On XX/XX/2022, Synchrony Bank requested letters from my bank detailing the payments. I faxed the requested letters on XX/XX/2022. Shortly thereafter, I spoke with a manager named XXXX, with a XXXX, not a XXXXXXXX said. He said that XXXX of the XXXX disputes had been resolved. The third dispute was in escalation status. He assured me there would be no adverse credit action taken until the third dispute was resolved. The managers I spoke with before and after talking with XXXX said the same thing. However, on XX/XX/2022, I called again because I continued to receive more than a dozen emails and collection phone calls. The first representative, XXXX, explained that none of the XXXX disputed payments had been resolved contrary to what I was told, and to allow up to 90 days. She also said beginning XX/XX/2022, it would be reported to the credit bureau as late despite their policy printed on the bank of each statement. She transferred me to a Customer Service Account Manager named XXXX who repeated what XXXX said. He explained that as of XX/XX/2022, my disputes were pending case review. He also said a People Manager would call me back. XXXX called me back but offered no resolution or way to expedite the review. She said someone would call me back, but no one has called.
Product: Credit card or prepaid card

This is in regards to my Barclay card. I pay off the entire balance twice a month. I go to the Barclay Internet site, see what I charged, see what I owe and pay it off. It always adds up when I add the new charge numbers compared with the payments I have made. This month the Statement said I owed {$1500.00} ( XXXX ) and I have no problem with that, I went over the charges. I paid {$1400.00} of it which is reported as such on their internet Statements provided for me. That comes to a total of {$150.00} which I would gladly pay because I owe it. The Statement amount I owed said I owed {$500.00}. I wanted an explanation of why so I contacted them through their site. They replied see your transaction statement. That's exactly what I had done and the numbers just didn't add up. I called them went over the numbers. They said it was carryover from the month before but when we viewed those statements I actually carried over a surplus. we looked at the statement before that ( surplus ). They could not explain the discrepancy. I spoke with the supervisor, she could not explain the discrepancy. It ended with " you just owe that because that's what our records say you owe, so pay it. '' I have paid it and cut up my Barclay card. I told them to cancel my account but in my eyes because they couldn't explain the extra {$300.00}, I believe they stole that money from me. Thanks so much for this outlet and I hope you can help or at least warn people not to use Barclay. Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( A ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the cupboard take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Its incredibly frustrating to see my scores suffer because of errors on my report. These inaccuracies have caused unnecessary stress, financial loss, and missed chances, and they need to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : XXXX XXXX XXXX XXXX
Product: Debt collection

Excuse any/ all spelling errors, the message was n't clear. 

I had returned a phone call that stated a complaint was being filed against me for a debt from 2005. The company sounded like XXXX and associates and from a lady by the name of XXXX XXXX, phone number XXXX XXXX XXXX XXXX. She said my HR department was already being contacted to file a judgement. I have recently closed a bankruptcy case ( end of XXXX ) and no where was that debt listed on my report nor any attempt to collect it has been attempted until this point. 
She said the original amount was around {$2400.00} and now it is over {$6000.00}. 
She was also very threatening towards me on the phone when I hesitated to give her any personal information.
Product: Debt collection

I canceled my gym membership in XXXX. Aldous and Associates contacted me and said I am in collections for my gym membership. 

They are asserting that I have missed payments for my membership despite having cancelled the membership.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Mortgage

I never gave permission for my loan to be sold to Mr. Cooper/Nationstar. Unfortunately, I hear it's totally legal. Anyways, their company is TERRIBLE. 

On my first mortgage payment, they took double what I owed, on the XX/XX/2021 and XX/XX/2021. I've been trying to get it back unsuccessfully for XXXX weeks now. As a result, our bank account balance is negative and we have received penalties from our bank that we must now pay. Also, the entire situation is emotionally and financially stressful. 

I wish we could choose who our loan is sold to. This company is absolutely horrible.
Product: Mortgage

I am writing to you once again as now I have made three trial payments on my modification, once again. The company XXXX XXXX, PHH, Ocwen are going back ion a promise and the method in which they explained they would remove my former Wife 's name. This is an outrage, I have been living with this since 2016. This was their mistake and I am being punished for following what they told me to do. I need government intervention immediately PLEASE SEE THE UNDERLINED SECTION OF A LETTER FROM OCWEN XXXX ATTACHED