23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased my home XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX. 
XXXX XXXX XXXX was the servicer at the time. I paid every payment on time. 
I went through a divorce, unemployment, XXXX and ( Not-at-fault ) automobile accident that caused me to fall behind on the payments. I qualified for XXXX and was able to maintain my house. XXXX XXXX XXXX agreed to accept a loan modification instead of the previous messy one. In the middle of the process, they sold the servicing to Seterus, XXXX XXXX XXXX, which since then have been extremely aggressive accelerating the process towards foreclosure despite my several attempts to communicate that I have been going through the process of Loan modification with XXXX XXXX XXXX, they are insisting that there is no record of the modification except for the XXXX occurred in XXXX XXXX. I filled the Seterus XXXX application but they have sent me Notice of intent in XXXX only 10 days after they received my loan servicing from XXXX XXXX XXXX. It is my belief that XXXX XXXX XXXX has passed on the responsibility to Seterus since Seterus seems to get away with being a bully and extremely unhelpful. Every single time I called Seterus, I had to re explain the entire story of my loan with XXXX and how the initial modification although successful at {$2200.00} per month including of Taxes, insurance and Escrow, they simply messed up the paper work after the successful three month trial of {$2200.00} per month, they suddenly raised the mortgage payment to {$2700.00} claiming that they mis calculated the escrow. That took six month for me to get XXXX XXXX XXXX to admit and issue me the opportunity to go through a XXXX modification. Only one month through the process they sold off the loan servicing to Seterus. Now Seterus seem to be blocking my loan modification process, at XXXX time they claimed that the reason they do n't wish for me to apply for modification is because I had a modification less than a year ago despite me explaining that it was a messed up process and that XXXX commenced a second modification. I explained that all that needs to happen is to simply see the documents that I sent to XXXX prior to the transfer XXXX XXXX and see that I was going through a modification. I told them that I am confident that I will be able to pay the mortgage after the modified amount is reduced to the original payment as defined by XXXX of {$2200.00} per month. I am confident that I can pay that amount and keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX I sent letters to XXXX, Equifax XXXX XXXX XXXX ; Requesting VALIDATION of the following inquiries that never had a permissible purpose according to the FDCPA LAW - They have never responded and clearly have violated my consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX & XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX keep applying for things with my credit. Some is fraudulently using my social security number to apply for credit
Product: Credit reporting, credit repair services, or other personal consumer reports

The lawsuit alleges that XXXX systematically misdirected borrowers into student loan repayment programs and types of forbearance, which do not qualify for Public Service Loan Forgiveness, which  enables public servants to have their federal student loans forgiven after meeting certain requirements. 
{$2400.00} {$2000.00} credit collection service XXXX XXXX {$1700.00} Equifax {$700.00} XXXX data breach settlement : all part of that
Product: Mortgage

Last minute requests for more documents then hitting me with lock rate extensions. I applied for the loan and locked my interest rate. At the end of the rate lock Wells Fargo would ask for more documents and I would give them to them and they would have to extend rate lock and try to blame me and charge me for rate lock extension. This went on and on with up to 5 or 6 rate lock extensions until I finally let them know that I would not pay for the last rate extension. I was told that they would let me know what they were going to do. They did not let me know until I called them a week later. Thats when I was finally told that someone from the complaint department would get back with me. That was over 10 days ago and I never heard from them again. The loan I applied was a no brainer as I have banked with Wells for years, my wife and I have great credit with over 800 credit scores, and we were refinancing and paying the 1st down by about {$40000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom it my concern, I am writing to update/correct my personal information on file with your company. 

Please Update my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name : XXXX XXXX  XXXX only social security number is : XXXX My only correct date of birth is : XXXX My only employer is : XXXX XXXX XXXX XXXX  I do not wish to have any telephone number on my report. Please remove all the other addresses off my report as they are not deliverable to me by the U.S. post office and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that Experian is now days plagued with incorrect or missing information. The company not only is Inaccurate they also shields behind " heavy calls volumes '' and do not return phone calls asking for answers. The company is acting childishly and shady. I have noticed it few years ago, however, the practice is becoming " as usual '' in the recent times. Since they hold important information a disruption of the individuals financial life is predictable. I believe that Experian act on a conspiracy theory where the company VOLUNTARILY omits information or hire individuals not so able to work on its contest. 
I urge the federals to launch a full scale investigation amid possibly voluntary misleading financial information. 
Respectfully XXXX XXXX
Product: Credit card

Subject : Dispute of Credit Reporting Inaccuracy Account XXXX in XXXX  To Whom It May Concern, I am writing to dispute the reporting of my XXXX XXXX  account, number XXXX, which is inaccurately reflected in my credit report. This account was included in a XXXX XXXX XXXX filing, which was fully XXXX on [ Date of XXXX ]. According to the final decree, this account should correctly show a status of " XXXX in XXXX  '' with a balance of {$0.00}. 

Details of the Current Reporting Issue : Reported Information : No Data Required Correction : Status updated to " XXXX in XXXX '' In compliance with the Fair Credit Reporting Act ( FCRA ), I request that CBNA conducts a thorough investigation into this matter and corrects the status of the aforementioned account to accurately reflect its status as XXXX. Attached to this letter are copies of the XXXX  discharge documentation, including the court decree that substantiates my claim. 

Please ensure the account status is updated in your records and notify all credit reporting agencies of this correction to maintain the accuracy and integrity of my credit report. 

I would like to receive written confirmation of this letter 's receipt and be updated on the status of your investigation. Furthermore, upon the resolution of this dispute, I request an updated copy of my credit report from your institution to verify that the corrections have been applied. 

Thank you for your prompt attention to this matter. Should you require further information or additional documentation to facilitate your investigation, please do not hesitate to contact me using the contact details provided above. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Ive sent multiple rounds of letters through the three credit bureaus regarding my capital one accounts because I do not remember having these late payments and believe them to be inaccurate. Further, the reporting of these late payments is different between the three bureaus and was changed by date since I made my dispute. Not removed, but the months noted as late were simply switched. 

I sent letters disputing these late payments on : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 The bureaus reported that the information was investigated and found accurate, but I have requested proof of method of investigation and and not received this material. 

XXXX XXXX is currently being sued by XXXX for reporting incorrect payments due to their internal system delaying payment received by customers who make their payments on time this is a widespread problem within the XXXX XXXX system. 

Please reference the case here : XXXX XXXX XXXX Knowing that this company is falsely reporting late payments in a way that is so widespread, a national company is suing them, only further validates my claim.
Product: Mortgage

Lender has set a foreclosure sale date during short sale review process. Short sale was submitted for review. DiTech mis-assigned the file and changed systems which created delays. Alleged correspondence from DiTech requesting additional documents never received. Although this is in loss mitigation review, DiTech has now scheduled a sale date and refused to postpone to review for short sale.
Product: Credit card

My ex-boyfriend XXXX XXXX XXXX used my personal information to open a credit card from JP Morgan Chase. There is a balance of {$18000.00}. I was not aware of this and this is fraud.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed I had XXXX late payments on a account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuravy. I have never been late on payments for the accounts that i have included in the screenshot inside this complaint in on dates [ XX/XX/22 ] and [ XX/XX/22 ]. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact that i was never late on these stated payments. Thank you so much! Please see the screen shots attached.
Product: Credit card or prepaid card

I have a Credit Card in good Standing with Barclay Bank  XX/XX/XXXX Barclay sent an advertisement for Balance transfer at a low interest rate. I accepted the deal. Several weeks past and the balance transfer was never completed. Per Barclays documented turn times The transfer takes place by the end of the next working day. I figured the Transfer was not approved. XX/XX/XXXX I accepted another offer from XXXX and applied for the balance transfer XX/XX/XXXX XXXX Transferred the requested {$6000.00} The end of XXXX I noticed a positive balance on my credit card when investigated where it came from it was the Balance transfer from Barclay. When contacting Barclay it is brought to my attention that this was not in addition to my current account it was a new credit card account with a {$500.00} Annual fee I told them that was not what I thought it was and I would transfer the balance back to them and I wanted the account closed. They said it was no problem and apologized for the error. Barclay admitted that is was their error and the initial applied for Transfer did not get processed and they had a delay in their system somewhere. Again they assured me if would all be taken care of. 2 months later I get a notification my credit score has declined. Low and behold its Barclay trying to collect a balance transfer fee, late fees and a {$500.00} annual fee on a closed account an account that was closed immediately not held annually. I once again contacted Barclay and was told they would take care of it. The late payment continue to show on my Credit for months Dropping my Credit score 200 points causing other accounts to be closed and credit limits to be lowered Barclay now had tanked my credit score. Seven more phone calls and a complaint filed with the attorney general the collection was removed from my credit report. 
I believed everything was taken care of. Not one call not one letter from Barclay was ever received regarding this credit card account. 

Fast Forward XX/XX/XXXX I apply for a home loan and I am told my score is to low once again XX/XX/XXXX Barclay re-reports the fees as a new charged off account. I have made several attempts to reach out to Barclay to no avail my last Call I waited on hold for 2 hours no-one ever answered.

Barclay did not process in their own documented time frame. Once I saw the transfer I immediately transferred back to them and closed the account. Barclay misrepresented the credit card. This is their mistake and I should not be held liable for any fees/late fees and it should not be reported on my Credit report. I pay my bills on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern Please, may I request your help? This situation is a very serious matter involving fraudulent activity appearing on my personal credit report. A company named : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, TEXAS XXXX Has stolen my identity, involving an automobile lease, dated XX/XX/2015 resulting in a {$49000.00} loan. that resulted to date, in " 36 '' charge-offs reported to all three credit bureaus, with a balance of {$27000.00} left abandoned. I very rarely ever see my credit report and it was not until I tried to a purchase large cost item ; that I was shown over " 40 '' inquiries listed on my credit, along with this organization, named XXXX XXXX XXXX. I immediately filed a local police report along with filling a dispute with the three major credit companies along with attempting to make contact with XXXX   XXXX XXXX. I sent an affidavit that was notarized to the company and they have never responded. My dispute was denied, as they claim that I am the lessor. This situation is clearly fraudulent and has destroyed my personal credit. I feel that I have been taken severe advantage of. I am a senior citizen and I live very simply. Most sincerely ~
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, PA, XXXX SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX  {$8100.00}
Product: Vehicle loan or lease

I, XXXX XXXX and natural person, was denied credit by XXXX of XXXX who ran my credit to and gave it to Chase when I applied for auto financing, who is in possession/control of a legal person ( XXXX XXXX XXXX, so I am co-signing/the co-signer for the legal person when Im entering into any consumer credit transaction/consumer transaction.. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. Also they willingly and knowingly provided false and misleading information to me to make that decision 15 U.S.C 1611 denying me extension of my own credit. They also told me that I had to make a down payment when its a consumer credit transaction and thats breaking the law 15 U.S.C 1605 and 15 U.S.C 1611, You are subject to criminal liability for violating 15 U.S.C 1691 and 15 U.S.C 1611 as I have proof that I was discriminated against by Chase due to the response I received. 
Chase is in violation of 15 U.S.C1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made a application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Chase 15 U.S.C 1602p.

If Chasle fails to make any reasonable procedures to resolve this matter and compensate me the use of my credit card I will indeed make Chase criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681n and 15 U.S.C 1681o.

Chase was one of those lenders who wasn't suppose to deny me.
Product: Debt collection

Im in the XXXX have been for XXXX years now this company XXXX XXXX XXXX ) is stating i owe them {$1300.00} which isnt true because THE XXXX PAYS MY RENT EVERY SINGLE MONTH i wouldnt be able to move out if that wasnt paid and my monthly payment was {$1100.00} so where are they getting {$1300.00} from?? I have paperwork stating im cleared to move out and i dont owe them anything XXXX XXXX doesnt allow me to upload supporting documentation to prove my dispute to be correct this collection is from 2019 and i need this off my credit immediately!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$23000.00}, {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account.
Product: Debt collection

I was contacted by IC Systems on the behalf of a debt I owed to XXXX XXXX. I negotiated a " pay for delete '' agreement and have since paid the debt. It was paid XX/XX/XXXX. XXXX XXXX has since posted a negative hit to my credit report as of XXXX. I want this removed immediately as the debt has been satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX I XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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
Product: Credit card or prepaid card

I would like to file a complaint regarding a dispute that I have initiated with American express. I have disputed this charge for " paid by other means '' I did provide American Express with all relevant documents to support my dispute. American Express did not take my dispute seriously, and kept on requesting the same documents over 5 times. 

Dispute Received XX/XX/2019 Resolution Date XX/XX/2019 Ref. No. XXXX Dispute Reason Paid directly to the establishment
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report inaccurate information. My name is XXXX XXXX. My address is not XXXX XXXX XXXX XXXX XXXX, MI XXXX. I have asked Experian to stop reporting this information. 

Under the Privacy Act I am entitled to privacy. 

I am now opting out of any information reporting except XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX.