23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On certain potions of my mortgage someone changed numbers such as the interest rate and then forged my initials to make it look as though I saw it, aporoved it and signed off on the changes. I now have my original closing documents in hand showing that at closing those documents are conpletely different than those records filed with the clerk, XXXX XXXX in Va XXXX XXXX, and different from the records Astoria Bank provided to me via my request in response to their claim, which I disputed and they continue to ignore via their incomplete response to same and their insistance on foreclosing and sweeping facts under the rug.. I have retained an expert in this field, XXXX XXXX, who testified in federal, state and XXXX courts all over the country regarding the sane issues as mine and was lauded for her efforts in that her review and reports enabled lawyers all over the country to prove XXXX XXXX, known robosignature in that debacle was signed by XXXX different XXXX employees sitting in a room signing off on XXXX documents rendering them void after XXXX XXXX testimony and amicus brief. She also assisted in the take down of signature XXXX " Docx. '' My foreclosure sale is XXXX/XXXX/15. I have proven that the filing of the above mentioned closing documents, deed, and note was fraudulent at best and it will be perilous to anyone that proceeds to take my home as it will be a fraud on the court, the records clerk and to any potential buyer as their illegal acts in forging my initials, robosigning my documents and other acts of fraud place a huge cloud on the title, at the very least, as well as nullifying the recording of the note and the deed through fraud.
Product: Credit reporting

I am a victim of identity theft. The following accounts are unauthorized and fraudulent and do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX County District Court. The following inquiries are unauthorized and fraudulent and do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed notarized FTC affidavit and a notarized FTC report to Portfolio Recovery Associates!! they keep reporting this fraudulent account to XXXX but have removed from XXXX   and XXXX!! They keep sending 50 million questionnaires to me and wont STOP! They Wont stop reporting this fraudulent account! I will be taking this to small claims and suing for damages!! Do you honestly think Im gon na hand my personal information to you in this questionnaire?? NO! I have mailed certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018! XX/XX/2018 is waiting for them to pick up!
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XX/XX/XXXX - XXXX {$6500.00} XX/XX/XXXXXXXX {$2400.00} XXXX - XXXX {$410.00} XX/XX/XXXX XXXX {$1300.00}XX/XX/XXXXXXXX {$2400.00} XX/XX/XXXXXXXX {$5600.00} XX/XX/XXXXXXXX - XXXX {$3900.00} XXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XX/XX/XXXXXXXX {$1100.00} XXXXXX/XX/XXXXXXXX {$6000.00} XXXX XX/XX/XXXXXXXX {$1400.00} XXXXXX/XX/XXXXXXXX {$38000.00} XX/XX/XXXXXXXX {$1600.00} XXXXXX/XX/XXXX XXXX {$1800.00} XXXX - XXXX XXXX - XXXX {$120.00} XX/XX/XXXXXXXX {$9300.00} XXXX - XXXX Accounts XX/XX/XXXXXXXX {$3900.00}XX/XX/XXXXXXXX {$5600.00} Accounts : XXXX - XXXX {$10000.00} XX/XX/XXXXXXXX {$1400.00} XX/XX/XXXX XXXX {$1100.00}XX/XX/XXXXXXXXXX/XX/XXXX XXXX - XXXX {$1500.00}XX/XX/XXXX - XXXX {$1500.00}
Product: Debt collection

constantly calling even after i have made deferred plans which put me at a monthly payment of 0.00 Last week someone called and i explained this to them and they called right back. Constant harassment
Product: Student loan

I hope this message finds you well. I am writing to seek urgent assistance regarding my student loans with Navient, which have become an overwhelming burden over the years. 

Since XX/XX/2009, I have diligently made payments on over 7 private loans with Navient, totaling nearly 15 years of continuous repayment. Regrettably, despite these efforts, the structure of my loan payments appears to have disproportionately favored smaller, lower interest rate loans, leaving my higher interest loans largely untouched. 

Of utmost concern are my two largest loans with Navient : one amounting to {$28000.00} at a staggering interest rate of 14.5 %, and another totaling {$14000.00}, also at 14.5 %. The disparity between the original principal amounts and the accrued interest is deeply distressing. For instance, my largest loan initially bore a principal of {$12000.00}, yet the accumulated interest has ballooned to an astonishing {$30000.00}. Similarly, the second largest loan, originating at {$10000.00}, has accrued a daunting {$12000.00} in interest. 

As a single mother without external support, the financial strain imposed by these loans has become unbearable. Despite my persistent efforts, the outstanding balance remains insurmountable, compounded by relentless communication from Navient during periods of financial hardship. 

I am reaching out in desperation, seeking guidance on potential avenues for relief or renegotiation of these exorbitant interest rates. The current terms render the prospect of loan repayment unfeasible, and I am left questioning whether I have already repaid the principal borrowed, now struggling under the weight of accrued interest. 

Your expertise and support in navigating this distressing situation would be immensely appreciated. Please advise on any available resources or strategies that could assist in alleviating this financial burden. 

Thank you for your attention to this matter. I eagerly await your response and remain hopeful for a positive resolution. 

Warm regards, Please help.
Product: Credit reporting or other personal consumer reports

I am writing to demand that [ FIRST PROGRESS/XXXXXXXX ] immediately cease the improper reporting of late payments on my credit report. The reported late payments are inaccurate and do not reflect my actual payment history. This erroneous information is causing undue harm to my credit score and financial reputation. Under 15 USC 1666b of the Fair Credit Billing Act, I have the right to challenge these inaccuracies and request prompt correction. I insist that you investigate this matter immediately, remove any incorrect late payment entries, and provide confirmation of the corrections made to my credit report. Failure to address this issue in a timely manner will compel me to pursue further legal action to protect my consumer rights. 


In conjunction with these provisions, it is imperative to comprehend the concept of permissible purpose as defined in 15 U.S.C. 1681b. This section delineates the legitimate reasons for obtaining and using consumer reports, ensuring that creditors have a valid and authorized basis for accessing and utilizing a consumers credit information. Violating this principle arises when a creditor sells a debt without a permissible purpose, raising significant concerns about the legality of such actions. The violation extends beyond the boundaries of the Fair Debt Collection Practices Act ( FDCPA ). While the FDCPA primarily applies to third-party debt collectors, original creditors, such as [ FIRST PROGRESS/XXXX ], must also adhere to other applicable laws and regulations. The Truth in Lending Act ( TILA ), specifically TILA Violation 1026.9, mandates adequate notice of the sale of debt. The absence of such notice constitutes a violation of TILA, compounding the severity of the violation.
Product: Money transfer, virtual currency, or money service

I was charged a fee of {$84.00} on XX/XX/year>, XX/XX/year> and XX/XX/year>. I did not subscribe for a service from this company ( Bill.com ). I have tried to contact this company both by phone and email. They have not resolved the issue. I noticed the charges on XX/XX/XXXX and began emailing them. They refuse to give a phone number to talk to somebody.
Product: Debt collection

The company has called me most recently on XX/XX/XXXX and XXXX, and again on XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. There have been prior instances of them calling me going back months, but my phone does not keep records that far back. Every time they use a different phone number but the same company name. I have spoken with them once and they ask me for personal information to verify my identity, but will not tell me why. I refuse to share information with them since they are randomly calling me and I have no uncollected debts as far as I know. I would like them to leave me alone or tell me in writing why they are contacting me so that I can make sure this is legitimate and not a scam.
Product: Credit card or prepaid card

My name is XXXX XXXX. XXXX. 
I have received account registration text confirm from my phone number XXXX last night as the screenshot pic shows. But i didnt do that new registration I already had an account with Oportun online banking website. 
I have just reported lost card and freeze use of card but not send a new card to Oportun credit card company yesterday afternoon. 
Its a FRAUD.
Product: Credit reporting or other personal consumer reports

I previously checked my credit report and found many address, and names fraudulent and this is preventing me from my right to obtain good credit This is something that is against the law to obtain credit and I would like you to Please remove these wrong address and names from my credit report. 


XXXX XXXX XXXX XXXX XXXX, GA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX type - XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL 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
Product: Mortgage

XXXX/XXXX/XXXX emailed hardship application and supporting financials to Caliber XXXX/XXXX/XXXX Caliber requested rental agreement for rental income XXXX/XXXX/XXXX LOE needed for one item on the RMA XXXX/XXXX/XXXX Letter from Caliber acknowledging receipt of a complete packet, review to be conducted in 30 days, letter is attached XXXX/XXXX/XXXX contacted XXXX for status update, XXXX advised that the in house was completed but then they realized that this loan qualified for HAMP review ; file went back into review on XXXX/XXXX/XXXX XXXX/XXXX/XXXX Caliber advises file pending review XXXX/XXXX/XXXX Caliber advises need more information to complete review-additional docs send right in XXXX/XXXX/XXXX Caliber advises again more information There have not been any missing documents letters received by the homeowners. It has been nearly 90 days since the original packet was sent to XXXX ; XXXX review should have been completed prior to an in house review. We do not understand how they can get away with violating the guidelines. This loan is incurring additional interest and escrow advances making it more difficult to leave modification options available Caliber needs to be looked at for violation of CFPB guidelines
Product: Credit reporting or other personal consumer reports

I received a letter from my bank, XXXXXXXX XXXX, that my name and social security number was compromised. They gave me a complimentary 24 month membership to XXXX from ChexSystems. I tried signing up for the membership online on XXXX I received an error message and was told to call the company. I called 4 different times that day receiving several people who tried to help me. I was forwarded to their " escalation '' department twice. I was left on hold for an hour and was disconnected. I tried calling again for the following day ( XX/XX/2023 ) and made three additional phone calls. My last call was with the " escalation '' department, and she told me she would have another department call me and it would take 24 to 48 hours. Today is XXXX  and I have not received any information from this company. I need help contacting SOMEONE in their institution who can provide me with the service that my bank paid them for. I would appreciate any assistance you can provide me.
Product: Checking or savings account

I received a letter the morning of XX/XX/22 from TD Bank stating TD beyond checking with visa card access account would be changing the limits on the account. To my knowledge I have never had a TD bank account or debit card with TD Bank. The letter does show a zero dollar beginning and ending balance. 
I called TD Bank at number ( XXXX ) XXXX and spoke to their fraud department and they said they would take care of the account. They also suggested I create a report on XXXX website reporting the possible fruad I am worried someone opened this account in my name with out my knowledge or permission.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan in the amount of {$800.00} and have made large payments per pay check in addition to an extra {$100.00} principal payment. When logging in today expecting to only owe approximately $ XXXX my pay off amount had increased to over {$1100.00}. They are scamming working people and prying on their money that is not affordable.
Product: Credit reporting or other personal consumer reports

I am exercising my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ) to dispute and request an investigation into the accuracy of information on my credit report. 

Account Name XXXX XXXX  Account # : XXXX Account Name XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX  Account XXXX XXXX XXXXXXXX
Product: Mortgage

United Wholesale Mortgage sent out an email to all appraisers on their panel through the XXXX platform stating that they will now charge, in addition to their {$40.00} " upload fee '', an additional {$29.00} " Lender Quality Control Fee '' on every appraisal order. This {$29.00} is not customary or reasonable and is a possible violation of the Truth In Lending Act. No other lender has EVER charged a " Quality Control Fee ''. They are responsible for hiring their own quality control staff and paying them through their own income streams and NOT through passing their own payroll costs off on the appraiser. It is not customary, or reasonable in ANY way. Please look into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to Experian advising them that the debt collection agency no longer has the powers to do business in California or to collect in California via the Secretary of State 's website and certificate of status. I sent them the information to support my dispute as I will be also attaching it here. Just in case they try to say it's the wrong company I am uploading both reports/statues.

The collection company can no longer report this to my consumer report.
Product: Credit reporting or other personal consumer reports

Hi, I've had a credit report show that I took out a loan from XXXX in the amount of {$5700.00}. I have reached out to them already regarding the loan, and they said they would send me a package of information on how to report the loan to start an investigation. The email which I still have said it would take 3-4 business days for the package to arrive. Nothing has arrived in the mail, I have gone ahead and contacted them again, and now they say the thirty day period is over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong credit reporting ... many different amounts on balance. I did not get a deffer payment at beggining of pandemic. For XX/XX/XXXX thru XXXX XXXX Says I was behind and they have been taking out payment every 2 weeks. Payment for XXXX says current and then goes back to not current for XXXX XXXX XX/XX/XXXX ... so irretated.. XXXX XXXX a very bad place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, an attempted identity theft of my information resulted in me getting a credit report from all three reporting agencies. At that time, Equifax had my correct date of birth. Then in XXXX of XXXX, I was informed by my credit union that Equifax had the wrong date of birth for my information. 
When I try to get the date of birth corrected, Equifax tells me that I need to submit documentation to prove that I am " me '' and my social security number and my date of birth. 
If documentation is required to correct the information, then how did the date of birth get changed to the wrong date! Where is the documentation that caused that change? Who submitted the incorrect information? What protection does Equifax provide to ensure that this error can not happen again? 
I am submitting this complaint through the the Consumer Financial Protection Bureau in order to get questions answered and to protect my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

A hard inquiry was made by XXXX XXXX XXXX on my credit file on XX/XX/year>. I have not applied for credit and do not believe that they had permissible purpose to pull.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 

Wrong Name : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX Date Updated XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just check my credit through XXXX XXXX website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX XXXX and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license. i asking that these accounts be blocked and deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX  XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account of a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt or credit management

This company, " Debteaze LLC '' has violated the Federal TCPA multiple times, and has called several of my family 's cellphones over and over to try to sell us on their " student loan debt forgiveness program ''. They have also emailed me as well, violating the CAN-SPAM Act. Nobody in my house has student debt. This company cold calls consumers using an auto-dialer, and also skip traces consumers online, to create profiles on them for marketing purposes. There have been many, many complaints against them for doing this, and also, when consumers get duped into signing up for their service, they have their money stolen with no actual services rendered. The company 's information is as follows : www.debteaze.com XXXX XXXX XXXX XXXX # XXXX XXXX MO XXXX.
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 & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have reached out previously around XXXX regarding this debt ... that I do not recognize .... I was previously a victim of identity theft and as a result of my identity being stolen accounts using fake addresses have been used to open up accounts in my name this account is a result of that identity theft and needs to be removed and my letters regarding this account have gone largely unanswered so I am choosing to address this issue through the cfpb to see if I can get some help fixing this matter.