23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife and I came on some hard financial times right at the start of 2010 when she got XXXX. I work from home as a XXXX. We were able to keep both the XXXX and XXXX mortgage payments up while she was collecting unemployment. Once the unemployment ran out we started having serious trouble making XXXX the XXXX and XXXX mortgage payments and fell behind. 

We turned to the North Carolina Foreclosure Prevention Fund and were approved for their program. The NCFPF then made good our back payments for both mortgages and continued to make payments for a little over a year until our maximum had been reached. 

By the time the NCFPF ran out my wife got XXXX, and while they are a true blessing it did n't help improve our continuing financial issues. 

We again got behind on both the XXXX and XXXX mortgages. By this time wife has found gainful employment full time ( 30 hours a week ) with a local bookkeeper. However it took all of our income just to keep the lights on, heat, groceries, car insurance and all the other necessities of daily life and left little to no extra money for the mortgages. 

We then turned to our local HUD approved agency for assistance with a HAMP modification. The HUD agency is the XXXX XXXX XXXX XXXX XXXX. We also sought the assistance of another legal agency, the XXXX XXXX XXXX XXXX that provides us with a free attorney. 

The attorney proved to be very helpful since the XXXX mortgage company has been trying to foreclose on our home for almost a year and we have been to court more than XXXX times, each time resulting in a postponement while we were working through the HAMP process with XXXX. 

We successfully completed the HAMP process with our XXXX mortgage company and are over XXXX payments into that modification with them. And this is where we start to have an issue. 

We were told throughout this entire process by our XXXX mortgage company and our HUD rep that once we were approved for the HAMP with our XXXX mortgage company we would automatically be approved for a 2MP with our XXXX mortgage company. The loss mitigation rep at my XXXX mortgage company called late last week and informed us that after their " in house '' review for mortgage modification that we did not qualify. 

Needless to say I was perplexed as to why this was in " in house '' review and not under the HAMP law. He did n't really have a good answer as to why we were not eligible under HAMP just that we did n't qualify for HAMP with them, even though all along were led to believe that a XXXX was automatic once the XXXX mortgage company approved us for HAMP. 

After calling my HUD rep at XXXX she was able to find out that because our HAMP mod with the XXXX was an FHA HAMP we did n't qualify for an automatic XXXX approval. This is something that my HUD rep was also not aware of for this entire process. 

So now I am filing this complaint on the advice of my HUD rep hoping that I can get some kind of positive resolution to this XXXX mortgage modification issue. This matter is further complicated due to the fact that we have another court date scheduled for XXXX XXXX and the court has a sale date for my property already on the books.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TDRC/YRDCARD XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XX/XX/year> NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

Account : XXXX Account XXXX : XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( TDRC/YRDCARD ) Making the report is NOT INCLUEDED on my Consumer report!

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ TDRC/YRDCARD ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s TDRC/YRDCARD Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address
Product: Credit reporting

transunion, for this entire day would not allow disputes over the phone or online. 
i am disputing XXXX, acct XXXX as paid, mult. innacurracies including dofd is not listed.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the consumer Financial protection act ( CEPA ). specifically, cash app failed ti take timely and effective measures to prevent and address fraud on their platform and leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic fund Transfer Act ( EFTA ) and Regulation E. these actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again., Please block or remove these items that are erroneously reported in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} US DEPT ED XXXX Balance : {$11000.00} US DEPT ED XXXX Balance : {$10000.00} US DEPT ED XXXX XXXX : {$10000.00} US DEPT ED XXXX Balance XXXX {$6400.00} US DEPT ED XXXX Balance : {$10000.00} US DEPT ED XXXX Balance : {$4700.00} US DEPT ED XXXX Balance : {$6300.00} US DEPT ED XXXX Balance : {$4300.00} US DEPT ED XXXX Balance : {$3600.00} US DEPT ED XXXX Balance : {$7300.00} US DEPT ED XXXX Balance : {$5400.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$580.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1100.00} XXXX XXXX Balance : {$5600.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$600.00} XXXX FIN XXXX Balance : {$1700.00} US DEPT ED XXXX Balance : {$11000.00} US DEPT ED XXXX Balance : {$10000.00} US DEPT ED XXXX Balance XXXX {$10000.00} US DEPT ED XXXX Balance : {$6400.00} US DEPT ED XXXX Balance : {$10000.00} US DEPT ED XXXX Balance : {$4700.00} US DEPT ED XXXX Balance : {$6300.00} US DEPT ED XXXX Balance : {$4300.00} US DEPT ED XXXX Balance : {$3600.00} US DEPT ED XXXX Balance : {$7300.00} US DEPT ED XXXX Balance : {$5400.00} DP OF EDUC XXXX Balance : {$10000.00} DP OF EDUC XXXX Balance XXXX {$4700.00} DP OF EDUC XXXX Balance : {$11000.00} DP OF EDUC XXXX Balance : {$6300.00} DP OF EDUC XXXX Balance : {$10000.00} DP OF EDUC XXXX Balance : {$6400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$580.00} DP OF XXXX XXXX Balance : {$5400.00} DP OF EDUC XXXX Balance : {$10000.00} DP OF EDUC XXXX Balance : {$4300.00} DP OF EDUC XXXX Balance : {$3600.00} DP OF EDUC XXXX Balance : {$7300.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX Balance : {$5600.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This is my follow-up attempt to ensure the removal of the listed items
Product: Checking or savings account

Capital One wont allow me to close my account out after they told me I could. They again told me that a decision would be made by the XXXX of XXXX after already being told I could close the account. They also are trying to say that I owe them money for transactions I didnt make. They told me I would be able to close the account on a XXXX  when I told them their banks were closed they said they would be open, which resulted in me staying in XXXX XXXX for several more days to retrieve my funds. Also they wouldnt release funds from a transfer that wasnt supposed to have happened. They wont respond via phone or email and have been holding my money for over a year now.
Product: Checking or savings account

I was scammed by a person i thought was a Frost Bank representative using an actual Frost phone number ( XXXX ) XXXX. I lost {$11000.00} by getting instructed to transfer ( {$6000.00} ) through XXXX ( XXXX Phone # XXXX ) and was instructed to transfer another ( {$5000.00} ) to XXXX XXXX to XXXX XXXX the scammer Acc. # XXXX Route # XXXX. All this happened because i was told by the Frost representative someone was trying to take money out of my account through XXXX an he could reverse it. When i called the XXXX number that he called from listed above it is an actual Frost number. So when he called back i knew or thought it is legit.. 
Frost bank concluded the investigation and said there was no error. But what about the scam? they have all the info above to be able to track this guy down along with the bank and account number it went to. They are not trying to help me recover the illegal wire fraud transfer Please help i am wiped out and nothing to pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is not paid late late, I never made a late payment on the account ever. Derogatory accusations must be XXXX XXXX Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. CFPB step up, reverse the late payments on XXXX XXXX XXXX
Product: Debt collection

I believe the dates and amounts are incorrect. the creditor is changing the amount owed without proof on my credit report. no proof of the original debt or discharge date. dates and and debt are randomly updated.
Product: Vehicle loan or lease

The loan company has the car and when I got divorced it is in our divorce paper my ex-husband is solely responsible for it all and i tried to change it over but the company has yet to do that. And it was agreed to be taken off my credit report. And it hasnt be done so yet.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the inquiries and erroneous personal information which were being posted to my report. Here is the list of items which were opened without my permission : 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 XXXX XXXX, TX XXXX -- -- -- -- -- XXXX -- XXXX - TRANSUNION : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Product: Checking or savings account

For years, I was charged erroneously overdraft fees. If my direct deposit hit the bank at the same time as a check, check card purchase or auto pay ; I would be charged and overdraft fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried filing disputes concerning personal information listed on my XXXX, Experian and XXXX   credit report. They are not taking care of the issue, I have sent in my id issue by the state, a copy of my ss card and a piece of mail, they still have not make the correct updates. I have mailed in certified letter in regards to inquiry that are still on my credit report that has not been removed. I have no other choice but to seek your assist. The information that they are reporting is incorrect and they refuse to make the correction sent certified mail to XXXX, XXXX and Experian on XX/XX/2017 for personal information and inquiry correction. which included copy of my id, current address, and ss number. 
Sent a copy of all inquiries that did not belong to me. Not one was removed. And they are not mine.

My name is incorrect on all three and I have provided them the correct in
formation My address is incorrect and I have provided all 3 credit reporting agency the correct information The inquiry listed are still incorrect I have sent letter disputing they have not taken care of this issue
Product: Credit card or prepaid card

I reported the unauthorized charges to Macy 's customer service and Macy 's fraud department in XXXX, Ohio. There has been more than one report. I contacted Macy 's on XX/XX/XXXX at the XXXX Ohio Corporate Headquarters. They are aware of the problem, I am owed a refund for money received by Macy 's in connection with the unauthorized charges, approximately XXXX  not including the penalties and interest which have accrued since my most recent demand for payment which was made by certified mail inXX/XX/XXXX. I was stalked to shop. A police report has been filed. 

A report has been made to the FTC. 

The penalties and interest increase the award by 100 times which equals.XXXX. 

On XX/XX/XXXX Macy 's claims to have escalated the issue. My banker and the police detective have been given the status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX TN XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 2nd endeavors to tell 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

XXXX XXXX and XXXX are reporting payment increases to a closed account which had the wrong information to begin with. And is a menace to my quality of life. They are allowing this company to deliberately drag me financially. When the pandemic was the cause
Product: Debt collection

I have no idea what is going on with this account. It has been on my XXXX report since XXXX of XXXX. It was listed as a repossession and there has not been any change in information regarding this account since it was listed. The amount of the debt has neither increased nor decreased and for the past 12 months it was listed on my credit report as unknown information. It shows there is an amount owed of {$9200.00}. As of this date since XXXX of XXXX I have not received one piece of written correspondence from this company. I attempted to verbally contact them on XXXX and XXXX to have them send me all the paperwork concerning this debt, including all of the account details to validate the ongoing and current status of this debt. I disputed this debt to XXXX on XXXX XXXX and they reported to me as validated. However, I still have not received the information that was validated from XXXX nor Danco Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My wife had a dental procedure done almost seven years ago. Due to the cost of the procedure, she was asked to open a credit account with XXXX XXXX. She opened the account and included my name in it since we had joint accounts at that time. I was not present during the appointment and was not informed that she opened the account at that time. I have contacted XXXX XXXX several times regarding the issue since the account is not mine, however they informed me that since my name is on the account, I am involved. The service that was received was not for me and I was unaware of the account when it was opened. I have also contacted the credit reporting agencies to discuss this issue, as it is affecting my credit. My wife and I no longer have joint accounts and she is responsible for paying for this loan. I have not been able to get this issue resolved and I would like to see how it can be rectified.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am filling a complaint against Discover Bank for abusive and deceptive business practices pursuant to UDAAP, which the CFPB has jurisdiction. I have repeatedly disputed, denied, and demanded stick proof there of regarding any alleged debt owed to them. They have refused to comply with my demands, upon repeated notice. I have attached files as exhibits to support my complaint. Discover Bank both lack standing, and fail to state a claim for which relief can be granted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled from companies I did not authorize. 

Credco Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue pertains to only my XXXX  credit report, not showing on XXXX  or XXXX. 

Showing a balance due of {$100.00} due to " Cable or Cellular '' as noted on the Creditor Classification line. States date opened of XX/XX/XXXX and date closed of XX/XX/XXXX. Under " Account Status '' is listed " Collection. '' I strongly DISPUTE this item, as every and all other accounts on all three credit reports show no delinquent or collection accounts. Also, it's vague, as it does not identify the company by name that I supposedly owe this amount to. It does identify Trident Asset Management, LLC in XXXX, GA as the " Contact '' on the XXXX report. 

Just became aware of this issue upon recently requesting my credit reports. 

I called the company, Trident Asset Management, to inquire about the item. The item is for " XXXX XXXX '' ( different social security # than mine ) for an account opened in XX/XX/XXXX in Washington, D.C. I have never lived in Washington, D.C., and, since I was XXXX years old in XX/XX/XXXX, I would not have opened an account. Erroneous addresses for Washington, D.C. are  listed on my credit reports and I am in the process of having them removed. 

I would greatly appreciate any help you could give me, thank you.