23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife and I had lived in the same house in XXXX for 30 years.  We got a reverse mortgage and we were doing fine and were very happy -- until XXXX happened from XX/XX/XXXX.  My house was shifted off the foundation, and XXXX came and put tags on the windows and door that said "Do not enter--condemned".  I was not allowed to enter my own home to get my jewelry and belongings out of the house.  However, insurance people came and entered the house but I was told I was not allowed.  At a certain point in time, the city tore down my house in front of me while I sat there numb. I lost good furniture, jewelry, collectibles, all I owned my whole life. My wife and I have health problems, and we were devastated and lost everything.  My reverse mortgage company kept $180,000 from the claim I put in and I did get some money for my furniture. Now the reverse mortgage company is still contacting me saying I owe them money.  I have NOTHING.  FEMA was lame and didn't help me but with a small check.  The reverse mortgage lender who is now Champion  Mortgage continued to call me when I told them I wanted no more calls and they even put flood insurance on my property for which my house is gone - and says I need to get coverage, and they will cancel theirs. If you read the attached, it says this insurance covers the "dwelling"!  There IS NO Dwelling!!!!  

I am writing to ask that you tell Champion to go to FHA as I paid for mortgage insurance, so if a borrower cannot pay - the mortgage insurance pays the lender. I am sick of these calls. They are making me older than I ever felt I was.  It is now affecting my health. I called the newspapers and they won't listen either.  No one seems to care.  Except my loan officers who did the loan and who understands my plight. Please help me, I am begging you - because I don't know where else to turn.  How can I owe money when I had the mortgage insurance that was supposed to protect me?? What was the FHA mortgage insurance or if not for a devastating loss as this where the house is GONE?!  My wife is now in the hospital, I and she live with a relative and I have no idea when things will change. I have applied for low income housing but have no idea when there will be an opening.  Thank you for considering my complaint.  Thank you.  Please see attached.  

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

I have send numerous letters to this company and haven't yet received any response.
Product: Debt collection

On or about XX/XX/XXXX, I cancelled service with my cable provider XXXX XXXX. I was charged a {$200.00} early cancellation fee. I never entered into a contract or agreed to use their services for a specified time frame. The debt was transferred to a collections company. I responded certified letter within 30 days requesting proof that I entered into a written or verbal contract. While they provided a detailed statement, no proof of contract was provided. On XX/XX/XXXX, the account was then transferred to a second collections company, starting the process all over again. I believe the policy to transferring collections accounts on unresolved debt is tantamount to harassment.
Product: Credit reporting or other personal consumer reports

I checked my credit score this month and there are several inquiries on my report I have no knowledge of, nor are any of my accounts attached to theirs. 
Inquiries in order : 1. Ally Financial has given me 3 separate inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have sent in police reports showing that XXXX XXXX accounts are fraudulent along with FTC form. XXXX and transunion continue to report inaccurate information.
Product: Credit card

We accidentally overpaid our Discover bill by approximately {$15000.00}. We called more than a week ago and we were assured that a check would be sent to us in a day. After not receiving the check after about a week, we called and spoke with a customer service representation who assured us that the check had been mailed " that day ''. We doubted the veracity of this claim and asked to speak with a supervisor who said the check had not been mailed ( admitted that they had lied to us on two occasions ), and the could n't tell us when we could expect a refund.
Product: Money transfers

I was contacted by a person who claimed that I had won {$2.00} XXXX in a drawing. The person informed that to claim my prize, I would be required to send {$1800.00} USD as an advance on US income taxes owed on the prize money. The caller requested that I send the money via Walmart money-gram transfer. The caller specified that the funds should be sent in XXXX phases : XXXX for {$1000.00} and the other for {$850.00} and that each should be sent from XXXX different Walmart locations. 
The caller also requested that I keep the winnings secret from everybody so that others will not harass me for a share of the winnings. 
As I became more skeptical of the prize, I requested that the caller provide me with written confirmation of my prize. The caller then e-mailed me what appeared to be valid documentation from XXXX XXXX XXXX indicating that I had in fact won a prize. 
Based upon that information, I wired the first {$1000.00} to the caller in XXXX. I attempted to wire the second portion for {$850.00}, but the employees at Walmart strongly recommended that I not send the money. I complied with their advice and did not send the second installment. 
When I informed the caller ( " XXXX XXXX '' ) he became angry with me and informed me that I should have told the employees at Walmart that the reason for the transfer was none of their business and that I should have insisted on them completing the transfer. " XXXX XXXX '' informed me that without the advance payment on the taxes owed, I could not hope to collect my prize of {$2.00} XXXX. 
I also noted that the " documentation '' e-mailed to me indicated that the taxes due would be {$25000.00} USD. 
I subsequently sought the opinion of my tax advisor on this matter. He reviewed my documentation and recollection of events and informed that it was his opinion that I was the victim of fraud. 
The next day, the caller, " XXXX XXXX '' called to inform me that I would need to transfer, bank-to-bank, {$25000.00} to complete the required advancement of the taxes owed. 
When I informed my tax advisor of this new request, he stated that he would like to be present when " XXXX XXXX '' telephoned. 
The next day when " XXXX XXXX '' called, my tax advisor answered the phone. XXXX XXXX immediately hung-up and then called back about XXXX seconds later. On the second call, I answered and XXXX XXXX wanted to know if anyone else was present. I informed him that my tax advisor was present with me. When my tax advisor confronted XXXX XXXX about the fraud, XXXX XXXX became angry and demanded to know my tax advisor 's name and stated that he would come over and have him fired from his job. 
Over the next hour or so, XXXX XXXX repeatedly called my phone to harass and insult me for informing a third party of this transaction. 
I now understand the fraud that has been perpetuated upon me, and my hope is to inform others of the methods used by the fraudsters in their attempts to steal money from unsuspecting elders.
Product: Debt collection

Company called " Portfolio Recovery '' keeps calling my home, sometimes twice a day ( evening, morning, weekdays, and Sundays ). Says we owe a debt and is requesting money repayment but we do n't owe anything. Calls have persisted for over 6 months. This is obviously a scam and based on the volume of Internet complaints, they are a known-seedy, aggressive " business. '' They use different phone numbers ( e.g., XXXX ; XXXX ; XXXX ; and XXXX ) making it difficult to block their number.
Product: Credit reporting or other personal consumer reports

I went to look for a car and before I could even step on the lot the car salesman told me that they had to run my information first so I told them I don't want my credit ran and they did so anyways and without my permission. They added around XXXX inquires from unknown sources to my report. I have filed a report with identitytheft.gov as well and these are the names of the inquiries XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX
Product: Student loan

Good day, I wanted to know if I am eligible to receive the relief from Navient. I know they were once my service provider for sometime and I was under the forbearance for long term. In addition now my student loans Incurred more interest and I fear I cant pay my debt. 

Also, my address has changed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I went to apply for credit and the company denied me because of what XXXX, Experian, and XXXX was reporting on my credit report without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I was notified via XXXX that a collections charge dating back to XX/XX/XXXX of {$260.00} from XXXX XXXX was added to my credit report. They advised the debt was associated with my name and SSN ; however, had a " service address '' in XXXX XXXX, MI. I have never lived in, visited or know anyone who lives in the state of Michigan. I contacted XXXX and they advised they have no history with my name, SSN or actual physical address in XXXX XXXX, IA, which is where I have lived my entire life. I then contacted XXXX directly and was advised I needed to file on FTC.gov and contact both XXXX ( which I had already done ) and the collection agency, Sequium Asset Solutions , LLC, who advised they would indicate the charge was identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I cancelled cable services with XXXX XXXX XXXX XXXX. I shipped the DVR back to them a few days late. As a result, I was billed {$680.00} for the equipment. I mailed copies of XXXX shipment receipt to XXXX XXXX XXXX XXXX, and all three credit agencies including : XXXX, Equifax, and XXXX. Unfortunately the charge remained on all three credit reports for seven years. The charge was scheduled to be removed in XX/XX/XXXX from all agencies. When I asked for the charge to be removed it was extended to XX/XX/XXXX. XX/XX/XXXX is half over and all three agencies have extended the charge to XX/XX/XXXX. Seven years have passed. Please assist me in removing this negative item from all three credit reporting agencies. I have another item through XXXX XXXX XXXX phone services in the amount of {$93.00}. I spoke with the collections agency for XXXX XXXX XXXX and they assured me the charge would be removed once It was paid. I paid the item in XX/XX/XXXX and it still remains as a derogatory account with all three credit agencies. Please assist me in removing this negative item from all three credit reporting agencies. I will fax prior and current credit reports detailing these items. Your assistance in both matters are much appreciated. Thank you, XXXX XXXX
Product: Debt collection

FORD MOTOR CREDIT XXXX XXXX XXXX XXXX NE XXXX


HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Request for Removal of Inaccurate Information and Resolution of Dispute with PayPal Dear Sir/Madam, I am writing to formally request the removal of inaccurate information reported by PayPal on my credit report, as well as to address the issues surrounding the debt in question.

I have discovered that PayPal has reported my account as charged off and has included numerous late payments, which I believe are inaccurate. My PayPal account was locked, preventing me from making payments on the debt, and additional fees were unjustly added to my account. This situation has caused significant harm to my credit standing. 

I would like to explain that the debt in question became problematic due to PayPal 's actions. When my account was locked, I was unable to access it to make necessary payments, leading to the accumulation of fees and the reporting of late payments. This is not a true reflection of my creditworthiness or payment behavior.

Furthermore, I am requesting that PayPal ceases any harassment related to this debt and refrains from selling this debt to any third party. These actions are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws, including but not limited to : - 15 U.S.C. 1681s-2 ( a ), which requires furnishers of information to provide accurate information to credit reporting agencies.

- 15 U.S.C. 1692d, which prohibits debt collectors from engaging in any conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. 

I respectfully request that the Consumer Financial Protection Bureau intervenes to ensure that PayPal updates the inaccurate information on my credit report, removes any incorrect late payments, and corrects the status of my account. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue. 

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

I've notice unauthorized inquires on credit report and notice that someone may have applied to something in my name. I have sent multiple disputes to remove these hard inquiries they are fraudulent and I want to get them removed. I have listed the hard inquiries below. 

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

Lease & Rental MGMT Corp aka Auto Use has been reporting a repossession on my credit where the dates of recent payments are wrong, the balance owed is wrong and the date of last payment is not correct. This is wrong information is making this account look newer than it should be. The date of repossession was XX/XX/2016 and the last payment was before that. The car was repossessed and sold and the sale amount was not applied to the balance owed and reported. 

The company also did not send me any documentation that showed what the car was sold for and how that was subtracted from the balanced owed. I have repeatedly in the past tried to request this information and they have not responded.
Product: Credit card or prepaid card

XXXX XXXX Care Credit Account I requested that my XXXX give me a proper treatment plan, and a written diagnosis, after he changed course from fixing a few XXXX XXXX for a few thousands dollars, to a total XXXX XXXX totaling $ 35,000.00+. 

My XXXX refused my request for a new treatment plan and diagnosis, then wrongfully abandoned me by stating that he 'was in way over his head '? 

And then, in the same email, my XXXX  gave me an unqualified psychological diagnosis of XXXX XXXX XXXX so he could justify his abandonment, and keep the fees I already paid via XXXX XXXX ( Care Credit ). 

Point of fact, the XXXX  charged my credit card to it's maximum of {$20000.00} in a rapid manner ; then I had to fight for a partial refund of the XXXX  HE NEVER INSTALLED ( refund of {$6500.00} ; only given after I filed dispute with XXXX XXXX ). 

In addition, I ended up speaking with the NV Dental Board and they recommend I go to a XXXX  at XXXX XXXX XXXX  ; which I did. And my new XXXX has informed me that all work done by the previous XXXX would have to be redone because it was faulty. 

XXXX XXXX ( Care Credit ) has refused to refund the remaining charges ( {$1800.00} on XX/XX/XXXX ; and {$10000.00} on XX/XX/XXXX ). And I have communicated with them and the original provider for several weeks ; and to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX has continue to report a bankruptcy on my report that is incorrect and should not be there because this bankruptcy was filed fraudulently and we never authorized or signed any documents to file bankruptcy on our behalf. This has caused severe damage to our credit profile and prevented us from getting business loans and is hurting our growth potential.
Product: Credit reporting or other personal consumer reports

On several occasions, as far back as XX/XX/2022, I asked Transunion to investigate the inaccurate payment history for the account listed on my Transunion Credit Report, XXXX # XXXX. 

The original creditor also asked Transunion to update my report on XX/XX/2022, sending them a letter specifically requesting that they ( 1 ) correct the payment history and ( 2 ) Remove Date of First Delinquency because there is none. ( Letter attached ). 

Transunion failed to conduct a proper investigation and did not update my report. Out of the 3 credit reporting agencies, Transunion continues to maintain inaccurate information on this account, without providing any proof. 
Pursuant to FCRA 611 ( 15 U.S.C. 1681I ), in cases of disputed inaccuracy, this item must be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

my rights are being Violated and I keep being told that the account is verified I am not asking for verification Im requesting for DELETION BECAUSE I DID NOT GIVE WRITTEN consent for any of this to be finished on my credit report CREDIT BEAURU XXXX already deleted a couple Im request for the others to follow In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX for XXXX XXXX XXXX, XXXXXXXX XXXX  # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Child support Enforcement XXXX XXXX XXXX  # US DEPT. OF Ed # ending 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
Product: Credit reporting or other personal consumer reports

Collection Letter : Per the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
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 : 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 or 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: Money transfer, virtual currency, or money service

I have a Venmo account and they are withholding my direct deposit pay and continually refuse to help and continue to hang up on me. The last supervisor I spoke with was supposedly named XXXX. She was condescending, interrupting and rude and hung up on me as did the 3 before her
Product: Mortgage

We have mortgage thru Chase bank that began XXXX of XXXX. We have always made our monthly mortgage payments on time except in XX/XX/XXXX, I missed a payment by mistake. We were offered deferment as a payment option and accepted. It took some time to get deferment as we would fill out forms send them in by mail but chase claimed never received. After filling out multiple forms several times, we finally got the deferment. We were told it would bring our account current and would not go on credit report. We discovered chase reported weve been late consistently on credit report which is not correct. We contacted chase who then proceeded to tell us no deferment document existed and then when we explained if we were late consistently our balance would reflect that, to which they then put back all late fees associated with missing payment back on. When we informed chase we would be filing a formal complaint, they found the deferment and took off late fees but refuse to remove the late status from our credit report. Last phone conversation was XX/XX/XXXX. They claim to not show a missing payment but have a deferment document. Each time we talk to them, they tell us they will investigate but it goes no where. Now they have told me I have to submit in writing a formal request. We wanted to sell our home and buy a new one but chase has driven my credit score down and refuses to remove the incorrect status.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are not mines. Not sure who is using my SSN to apply for things. I know my credit is not good enough to apply for anything. 

Inquiry details XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX XXXX   XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX   Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XXXX XXXX, XXXX Automotive XXXX XXXX XXXX   Inquiry from XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXXXXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Finance  XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXXXXXXXXXX XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX Inquiry from XX/XX/XXXX XXXX