23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have filed numerous complaints on all parties involved in this matter.. The last phone conversation with executive specialist at XXXX XXXX yesterday XX/XX/26. they stated that LOANCARE HAS TO GIVE XXXX XXXX written consent to ask XXXX to return the funds.. My mom has been helping me with all of this because I am not readily available to answer my phone, I am a XXXX  XXXX.. Her and I and XXXX XXXX  were on the phone yesterday. The funds ARE sitting at XXXX XXXX  to return to XXXX XXXX when ask the contact at XXXX XXXX  is XXXX XXXX XXXX. But XXXX XXXX will not call XXXX XXXX  because Loan care as not given them consent to do so.. I will attached all documents from all parties that have been involved and would so very much appreciate a resolution this has been going on since XX/XX/XXXX ... going on 7 months now and that is not counting from the date the check was sent.. 

To sum up this issue Loancare sent a check written off a XXXX XXXX account and XXXX is holding the funds that a perpetrator tried to steal. And XXXX can not do anything with said funds until someone from XXXX XXXX calls them and XXXX XXXX will not until Loancare tells them too.. this is all getting so RIDICULOUS ... 

I have complied with all companies involved. All info from all companies will be attached and I will file against all of them again!!! Because they seem to be doing nothing except XXXX
Product: Checking or savings account

My money has been there since XX/XX/XXXX XXXX XXXX I've tried to send in verification of everything I have. I can't access the the account due to phone being stolen. Cash app has assisted me well over 100 times in trying to gain access to the account and each one of those times I'm told that can't be done and no further action can be taken. Which is exactly what was done nothing to actually help me or tell me how to go about getting MY MONEY! I understand there are security measures but I'm being asked about cashtags instead of how to verify who I say I am or account statement on the transaction. I am in a huge not so good financial bind at the moment. If something doesn't happen by the end of this week my family will be without a home and maybe each other. I'm desperately asking for an answer as what I need to do or how to get past the security to access my old account. Thanks for your time... I'm including tax records, and what I have to show that the account and {$6100.00} belongs to me.
Product: Credit reporting or other personal consumer reports

On XX/XX/, I sent a dispute letter to Transunion challenging accounts that seem to be inaccurate. Within the letter, I stated that I would be submitting a CFPB complaint due to consumer law violations. There is incorrect personal information, inquiries, and accounts that have yet to be verified or explained. Please see the attached letter which is dated, and time stamped and complete an investigation to remove the inaccurate information you are reporting. At this time, I am only asking for the deletion, but I am aware that I can take this to small claims court due to FCRA violations.
Product: Credit reporting or other personal consumer reports

From XX/XX/2022 to XX/XX/2022 there have been several hard inquiries made on my Transunion, XXXX and XXXX credit reports that I did not authorize. I do not know or have any business or any agreements with the companies listed. I am exercising my authority to dispute the inaccuracies on all three credit reporting agencies per 15 U.S. Code 1679c. This can be considered a defamation of character and possible identity theft. I request that they be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the iteams as soon as possible.
Product: Bank account or service

My most recent Wells Fargo bank statement includes a generic statement : " We can close your account at any time... We may but are not required to allow you to leave on deposit sufficient funds to cover outstanding items to be paid from your account '' There are no reasons given as to why my account may be closed at any time. This statement probably appears on all Wells Fargo statements, but is not backed up by any documentation. The irony is that in a previous paragraph, it reads : " Thank you for being a loyal Wells Fargo customer We value your trust in our company... '' My question is : How can a federally regulated bank get away with making what to me is a harassing statement without backing it up by documentation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you find a Validity of Debt Letter that questions just how this account is even being reported to my account not to mention the discrepancies and inaccurate reporting. Who verifed this account? I'll answer no one verified the account as it states on my attached consumer report!! I demand this account XXXX XXXX XXXX  XXXX be removed from my consumer report!
Product: Debt collection

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this  alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late last year ( XXXX ) I received a notification from Federal Student Aid that my new servicer would be XXXX. This is/was my last academic year of XXXX school, so that notification was not unusual considering that my loan deferment will end with my completion of XXXX school. However, my loans remain lawfully in deferment or otherwise are not due until XXXX months thereafter, which is XX/XX/XXXX. I have responded to all of XXXX 's communication. I have activated my online account with them. I even noticed that XXXX reported tat they are my new loan servicer on my Equifax report. I have satisfactorily managed my student loans, and thus the record of my loans on my credit is excellent. XXXX initially similarly that my loans were in great standing and otherwise in deferment. However, on XX/XX/XXXX, I received a notification through XXXX XXXX and Equifax that my credit score dropped XXXX points due to a new status report from XXXX. The notification provided no further details regarding the " new status, '' except " remark code removed, '' but clearly such status is negatively impacting my report. Not XXXX of these agencies has explained the exact reason for the negative status report, which is notably inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm here to complain about Equifax 's handling of the credit reporting data in the recent breach. 

Beyond just complaining about my private data being compromised, it 's my understanding that my details were compromised over 45 days ago and the hack is only now being made public and addressed. 

Furthermore, I feel doubly violated - suspicious activity in the stock market indicates that Equifax executives attempted to trade on insider knowledge. I own shares of funds that invest in Equifax. I feel I was defrauded ( as part of my mutual fund ) into paying an unfair price for shares of a company that executives knew was about to plummet, and illegally dumped at my own personal expense. 

I have spent my entire adult life trying to improve this company 's assessment of my ability to handle my fiscal responsibilities. This breach comes immediately after 12 years of my personal journey in repairing my own credit, since I was XXXX years old, and upon paying my debts, earning a XXXX credit score, and beginning my journey as a XXXX investor, my first paycheck large enough to begin investing in my future -- they subsequently robbed me of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit bureaus ( XXXX XXXX , & TransUnion ) several times ( XX/XX/21, XX/XX/21, XX/XX/21, & XX/XX/21 ) via certified mail letters disputing errors on my credit report. The one in specific that I'm complaining about is XXXX XXXX XXXX XXXX. It is listed as a joint account under me and my wife name. This account does not belong to us. The credit bureaus has only sent responses saying it was valid/verified with no documentation bearing our signatures. I have also reached out to XXXX XXXX XXXX XXXX for validation ( XX/XX/21 & XX/XX/21 ) and they sent a generic letter that it was valid and another saying we didn't provide them with enough information, when we did. This is causing emotional distress and making it difficult for us to get approved for a mortgage. We need assistance with getting this off both of our credit reports as soon as possible.
Product: Mortgage

We first of all was manipulated into a mortgage contract ( that terminated after 20 years ) the contract was called a ballom mortgage originally we had a 30 year mortgage then at that time they demanded that we refinanced the the entire amount of the mortgage which was {$100.00} at the beginning. we paid over XXXX into this contract and yet we did n't recieve any equity. then they refuse to negociate any thing with us mortgage reform called a Modified Mortgage. that we were never late on our payment all the while we kept all of our mortgage payments up. at the end of that time they refuse to except any payment. after becoming fustrated with mortgage we finally relocated. they then forclosed and sold the home for {$110000.00} and we did n't receive a cent back. We believe that we victims of preditory lending which was perpetuated by Ocwen Mortgage a division of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 CXXXX2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking of several fraudulent inquiries on my credit report in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). These inquiries are fraudulent and do not reflect any legitimate credit applications or transactions initiated by me.

Below are the details of the fraudulent inquiries : XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My ssn was leaked and I don't know who's using my information. I was notified that over billions of american 's ssn, personal information was leaked. I've noticed that it's so many things on my credit that I have no Idea of. Code 15 usc 1631 clearly states that this should not happen. And not that it has my credit is now destroyed. I can do anything that I want to do because I now have below bad credit. Please Help!
Product: Mortgage

In XXXX of XXXX my husband became very ill requiring several weeks of hospitalization. He has always paid and handled all finances for the home. In trying to take over all payments of the bills, it came to my attention that a loan modification had taken place, as far as I have been able to research on or about XXXX. My name was not on the loan. My husband was apparently told that they didn't need my income to quality for a loan modification. The application was processed without my knowledge of being removed from the mortgage. 

I have contacted a lawyer, and was advised a loan modification should not be done to remove a person from the loan. If the home was in jeopardy of foreclosure, my income was provided as part of the process. 

Since my husband has been ill this has left my hands tied trying to pay for my home that I have lived in and supported in payments for close to 23 years. I have contacted Provident to obtain the documents they say I signed. I have never signed anything that I was aware of to be removed from this mortgage. I am on the deed, and this has been difficult to say the least to sort through. Provident did not provide due diligence to protect my assets in the home I have been paying on for years. I have been since XX/XX/XXXX trying to get the home back in my name, since my husband was diagnosed with XXXX. This has been a hardship for me and an expense I should not have to take on at this time in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE PREVIOUS ADDRESSES THAT ARE NOT MINE
Product: Money transfer, virtual currency, or money service

This company keeps on holding on my transactions ... they will process the transaction and let me wait for a long time!! And just to see them hold my XXXX money!! And customer service is telling me different reasons why a hold is in process!!! my point is why do they get the money if their not sure yet!!
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Personal Information ( TransUnion ) Name : XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.
Product: Money transfer, virtual currency, or money service

I canceled a transaction on or around  XXXX , the amount is {$1300.00} to  XXXX . My request to cancel was not honored and my  Paypal  card was charged for items after being shipped, delivered on or around  XXXX . M y Paypal debit  card was charged on  XXXX , the complete transaction is copied here :  XXXX    XXXX    XXXX  Payment -  PayPal Debit  Card Loading g transaction  details for  XXXX  Payment  - PayPal Debit  Card - negative {$1300.00}.     This transaction is a consignment, items were shipped to me and given  48  hours to return them before being charged. I received package on or around  XXXX , due to a delay in not receiving them.  XXXX  left several door tags, I was not at home, a signature is required in person. I was not able to open the package until after the  48  hour return time frame had passed. Upon opening, it was discovered the items,  XXXX  pairs of mens   XXXX   XXXX  hoes, were not in the boxes. I informed the merchant and they insisted they were in box upon shipping, was advised to dispute charge with credit card. A dispute was filed on  XXXX ,  Paypal r eps were advised of the above information. However, they seem to keep missing what I told them, ask for same information repeatedly. Once piece of information, the  XXXX  tracking number, is not available. Oddly, it does not appear in my online  XXXX  account, I am signed up for delivery alerts with  XXXX  and all packages going to and from myself appear online except for this  XXXX  ... The merchant did not provide a receipt copy of either, which I believe is also requested b y Paypal.     They do not seem to understand I do not have this missing information as merchant did not provide it. In closing, please advise  Paypal t his is all the information I have and I need credit for these missing items, even as a temporary  XXXX .
Product: Credit reporting or other personal consumer reports

These hard inquiries werent made by me, I file A report with identity theft.gov explaining what happened. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Mortgage servicing company ( PHH ) is not applying payment funds correctly, has incorrect amounts due, & issues payment reminder notices indicating payments not received, debt collection notice, and threats of reporting information to credit bureaus weeks before payments are even due.
Product: Credit card or prepaid card

Paypal is suspending my account every month. Then as I try to pay Paypal websites indicate that I owe XXXX amount due. Then they charge me high interest and late fees and it's their fault. I am filing with other federal agencies for an investigation for fraud. I am presenting evidence which I have copies that will prove that Pay pal is trying to enrich themselves and they need to be investigated immediately for fraudulent activity. 

See attached evidence
Product: Credit card or prepaid card

I got a XXXX credit card from Credit Karma. Its been tough paying for it. I found that Credit Karma didnt explain the card correctly. I owe {$600.00}, and are under XXXX payments. Please help.
Product: Debt collection

The Weinberg Mediation Group called me about a debt that I owe. I told them I needed to talk to my wife about the settlement offered and would call back. LESS than 40 minutes after speaking to XXXX XXXX, she called my wife with a very demanding tone asking for our debit card information. My wife asked her to verify the debt and provide the settlement in writing, XXXX XXXX refused to do so. She stated that the debt had to be taken care of right then. My wife told her she would call her back. The next day after my wife and I talked, my wife called back and left a message to pay the offered settlement. No one called back. XXXX XXXX then called her back on XX/XX/XXXX while she was driving. My wife told her it wasn't a safe time and they agreed that XXXX XXXX would call back on Saturday while she was in the office. On Saturday XX/XX/XXXX, XXXX XXXX did call back but at XXXX and XXXX. These times go against our rights as consumers, given to us in the Fair Debt Collection Practices Act. My wife called XXXX XXXX back to let her know that she was ready to pay but that she was also going to file complaints with the proper offices. At this time XXXX XXXX refused to take payment and told my wife she would note the account and disconnected the call. My wife called back and asked to speak to a supervisor, she spoke to XXXX XXXX. XXXX refused to answer my wifes question about the law regarding the times a creditor can call. He also refused to take payment for the settlement and disconnected the call. We would have liked to have settled the debt today. But we also feel that this " agency '' has handled themselves unprofessionally and has broken more than 1 of the Acts protective features for the consumer. And they have refused to take our payment for the settlement of the debt at this time, once we stated we would be contacting the proper offices about their wrong doings.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.