23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had a fire in my house where substantial damage occurred on XX/XX/2022. My insurance company provided an initial settlement to rebuild the house ; sending a check to me, my wife, and my mortgage lender XXXX in the amount of {$290000.00}. 

After the initial payout of {$97000.00} and partial additional funds of {$110000.00}, XXXX has denied my various request for more funding so I can finish rebuilding my house. 

I have provided receipts and bids showing funds I have spent forwarded to XXXX to no avail. As of today, I have spent {$290000.00} and I can not continue to fund the rebuild while XXXX is holding funds that are intended for my rebuild. 

XXXX claims their inspection department is showing not enough progress was made on repairs so they are withholding the funds. However, I have stated repeatedly and in multiple letters to them that their inspection is wrong. I even provided receipts from city inspection showing further progress of my house. 

At this point, XXXX is hindering my process to complete the rebuild of my house.
Product: Student loan

When attending XXXX I did not know the high interest rates from my private loans. The payments are too high and hard to afford. Current interest rates are 10.25 %. I am submitting this complaint from attending XXXX from XXXX. When attending XXXX we were not told about the interest rates and pressured into the loans. Below is the amount owed to First Associates Loan Servicing, XXXX {$6200.00} $ XXXX is the contact info for First AssociatesPhone : XXXX : XXXX XXXX XXXX XXXX, CA XXXX
Product: Mortgage

I filed Chapter XXXX Bankruptcy on XX/XX/XXXX to save my home and the criminal Attorneys informed the Court that I was late on my post-petition payments which is a lie, misrepresentation, and fraud on the Court. I made all my post-petition payments as agreed and the Chapter XXXX Trustee made all the pre-petition payments as agreed to XXXX XXXX XXXX, XXXX, acting as alleged Trustee, while Caliber Home Loans claims to be the Servicer, and acting as Attorney in fact. The XXXX Law Firm handling this failed to present the evidence to the Court at a hearing on XX/XX/XXXX. I spoke with XXXXaliber Home Loans directly, in both departments Customer Service, and the  Bankruptcy Department and they admitted that they make a mistake and would update the account and send me an updated payment history for post-petition payments and they have still not done so. I would like the CFPB to investigate and refer this fraud to the FBI immediately. They purposely hid all the payments made from the Court in order to lift the automatic stay and try to steal the home of my XXXX and XXXX year old parents and myself.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX and Credit Reporting Agencies ( CRAs ) XXXX, XXXX, and Transunion for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. ACCT NUMBER XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent certified mail ( us postal tracking # XXXX ) to XXXX XXXX requesting them to remove the inaccurate information on my consumer report and to send me my 1099C form per Federal Law 15 U.S. S-Code S 1681-s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Reporting information with actual knowledge of errors. Once I received the verification that XXXX XXXX receive the information I waited for their response and I never received an outcome, so I sent three different letters to XXXX, XXXX and Equifax so that they could start their investigation to remove but XXXX XXXX did reply to them stating that this information has been verified and it was not removed the instead XXXX XXXX changed the account amount on my consumer report from {$0.00} to over {$11000.00}. By law they have to remove this account or face penalties. I would like this to be removed immediately from my consumer report.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I pulled my credit report in preparation for a mortgage application and discovered several accounts fraudulently opened in my name. Since then, I have taken multiple steps to resolve this issue, including disputing these accounts with the credit bureaus, debt collectors, and the original creditors. I have sent certified letters to all parties involved, but they have failed to rectify the situation and have not provided adequate documentation within the required legal timeframe. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), ** credit reporting agencies are required to investigate disputes regarding the accuracy of any item in a consumers file within 30 days of receiving the dispute. The credit bureaus involved have failed to meet this obligation, as they have not properly investigated or removed these fraudulent accounts. Additionally, under Section 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), when an identity theft report is filed, I have the right to request all information related to the fraudulent accounts. This has not been adequately provided. 

The accounts in dispute are : XXXX XXXX XXXX Account # XXXX ) opened on XX/XX/XXXX with a balance of {$3600.00}, XXXX XXXX XXXX Account # XXXX ) opened on XX/XX/XXXX with a balance of {$160.00}, XXXXXXXX XXXX  XXXX Account XXXX XXXX ) opened on XX/XX/XXXX with a balance of {$580.00}, XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) reported as opened on XX/XX/XXXX with a balance of {$1700.00}, Collection account from XXXX XXXX XXXX ( Account XXXX XXXX ) with a balance of {$890.00}. The original creditor is XXXX XXXX, Collection account from XXXX XXXX XXXX  ( Account # XXXX ) with a balance of {$5300.00}. The original creditor is XXXX XXXX, and XXXX ( Account # XXXX ) opened on XX/XX/XXXX with a balance of {$5200.00} I have also submitted an FTC Identity Theft Report regarding these fraudulent accounts, which further strengthens my case under Section 605B ( 15 U.S.C. 1681c-2 ), which requires the credit bureaus to block the reporting of fraudulent information once the identity theft report is provided. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), mandates that debt collectors must cease collection activity until the disputed debt is verified. Despite my certified letters, the debt collectors involved have failed to provide adequate verification of the debts within the required timeframe. 

Given that both the credit reporting agencies and the debt collectors have not complied with these legal obligations, I am requesting that these accounts be removed from my credit report immediately. 

All relevant documentation, including my FTC Identity Theft Report, is attached to this submission.
Product: Mortgage

This goes back a number of years. In XX/XX/XXXX, my wife almost passed away from XXXX, a XXXX XXXX  that would have been fatal if not treated. Up until that time we were on time with no problems. We struggled, but with third party intervention we were helped. Three years later, I almost passed away due to treatments for XXXX XXXX XXXX in both legs. A XXXX XXXX  was found in time to prevent it from going to my XXXX. I've had XXXX XXXX since then. I can get the medical records for all of this. 
We were able, with the help of another third party, to get some modification. We never really spoke to anyone in the company in any kind of civil manner. We spoke to different people every time we called. They tell us that there is a dedicated loan specialist to help us, but we never speak to him/her. They are split between Texas and Arizona. No consistency. 
I had gone back to work before the pandemic hit. I believe we had contacted the company before this to maintain our modification, then COVID-19 hit, my building was closed, and I will not be going to work until XXXX. We were given a forebearance, which said that we weren't required to pay anything during that period. WE HAVE BEEN MAKING PAYMENTS THAT CAN BE CHECKED ON BANK STATEMENTS. I do not know if they have given us any credit for doing this. I also understand that Mr. Cooper was sued by a number of states ( including mine ) for unfair practices, and settled with those states. 
We want to stay in our home and would like to work out some sort of settlement. I have a XXXX and XXXX year old. This is the only home they know. Finding out now that this company settled a lawsuit rather than challenge it gives me hope that they, or someone will help us. 
Also, they never asked for any financial information from us
Product: Credit card or prepaid card

Hello I am writing you, due to the fact Bank of America is not willing to pay my hard working money. For the past 3-4 months somebody had been stealing my debit card information, I dont know how, yet it seems whoever took my information is within the same city ( XXXX ). For the past 4 months they have been going to XXXX XXXX ATM not too far from where I live. In total {$2100.00} was the claim Bank of America did not approve. I also do believe the people who stole my card identity may have took more, i would really appreciate if you guys helped my case/claim thank you.
Product: Credit card or prepaid card

I filed a report to my jurisdiction 's officers about the unauthorized charges that occurred while I was traveling to India. I adhered all of Chase 's communication and provided information such as my pictures of passport showing Visa stamps to India to prove I could not have possibly made or received any benefit from these transactions. After escalating to the Executive Office ( XXXX XXXX ext XXXX ) and contacting my Florida Attorney General XXXX XXXX XXXX XXXX, XXXX  ), I still did not receive a resolution. Rather, my account my put into delinquency over fraudulent and unauthorized charges. 

I have talked to Chase since XX/XX/XXXX, more than 10 times, trying to resolve the unauthorized transactions. Chase sent a notice claiming " You received benefit from this transaction '' on XX/XX/XXXX. When further inquired about how I received benefit, I received a vague response of " Amazon shows your information was used for purchasing ''. I was dumbfounded as a victim of credit card fraud, it is quite obvious that my information was used. I consistently contacted Chase to follow up and provide any information to remove the unauthorized charged from my credit card. I sent emails of my Amazon account being accessed remotely and Chase transaction confirmation emails, all of which I had not approved nor authorized, yet was charged for amounts outside of normal spending habits. 

These fifteen charges on Amazon.com are unauthorized uses of our credit card because they were made by a person who does not have actual, implied, or apparent authority to use the credit card, and we, the cardholders, have received no benefit from the usage. In accordance with the Fair Credit Billing Act, 1026.12, our liability shall not exceed {$50.00} for this or any unauthorized use of our credit card. 
The information and evidence provided hereafter shows 1 ) the charges themselves are suspicious and should never have been allowed by Chase ; 2 ) we did not authorize the charges ; and 3 ) Chase 's reasoning for considering the charges valid are flawed. 

Old card number is XXXX and new card number is XXXX XXXX. Exact date, times, locations and amounts that were fraudulently charged to your account. 
XX/XX/XXXX : {$400.00}, {$530.00}, {$110.00}, {$520.00} XX/XX/XXXX : {$110.00}, {$510.00}, {$760.00}, {$58.00}, {$850.00} XX/XX/XXXX : {$460.00} XX/XX/XXXX : {$370.00} XX/XX/XXXX : {$620.00} XX/XX/XXXX : {$610.00} Location unavailable due to online transactions I reported all XXXX XXXX unauthorized charges on my Chase XXXX credit card to Chase Fraud Department on XX/XX/XXXX upon discovery. My credit card was quickly replaced by Chase on XX/XX/XXXX and was communicated to me I would not be held liable for any unauthorized/fraudulent charges due to the Fair Credit Billing Act, limiting my liability to {$50.00} or {$0.00} if waived by Chase, which was waived under their Terms of Service & Cardholder Agreement in conjunction with my consumer rights as a Florida resident upon reporting.
Product: Credit reporting or other personal consumer reports

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Debt collection

ALLIANCE ONE COLLECTION AGENCY CALLED ME AT THE ABOVE PHONE NUMBER WHICH IS MY EMPLOYER, I ADVISED THE COLLECTOR TO PLEASE " DO NOT CALL '' MY POE PLEASE CALL MY CELL PHONE AND PROVIDED THE PHONE NUMBER TO HER. THE FOLLOWING CALL I WAS CALLED AGAIN AT MY EMPLOYER. I ASKED THE COLLECTOR IF MY ACCOUNT WAS NOTED TO NOT CALL MY POE BUT TO CALL MY CELL PHONE AND I WAS TOLD THAT MY ACCOUNT DID NOT REFLECT ANY TYPE OF NOTES OR INSTRUCTIONS, I ADVISED THE COLLECTOR TO " DO NOT CALL MY PLACE OF EMPLOYMENT '' ONLY CALL MY CELL PHONE AND AGAIN PROVIDED THE PHONE NUMBER.
Product: Debt collection

On XX/XX/2018 I received an alert from my credit monitoring service that a collection was placed on my credit report from XXXX XXXX XXXX in the amount of XXXX. I tried contacting this company and was never able to actually speak with a agent. 

First off, I have never heard of this company nor have I ever been contacted regarding this alledge debt. The collection information states this account was placed with this company in XX/XX/XXXXof this year. I have no knowledge of this debt and I'm XXXX percent sure I don't owe it. I am retired and debt free. I pay all of my bills and I DO NOT owe anyone. I want this bogus debt removed from each credit report it was placed on. I am aware of my rights as a consumer and I definitely will not hesitate to sue this company for defamation and smearing my credit profile. Also what company just goes around and places debts on credit reports with out allowing the consumer the ability to dispute the validity of the debt, which is my right as a consumer, and I was not given that opportunity.
Product: Mortgage

This loan is a Predatory Loan ever since the Mortgage industry crashed/failed in XXXX, and XXXX  XXXX XXXX never adhered to the Foreclosure Review Team. Now Select Portfolio Servicing , Inc has my loan now.
Product: Mortgage

In XXXX, my Broker applied a mortgage with SPROUT MORTGAGE. 
After two months of 0 update on my application, three weeks ago, my broker received an email from XXXX ( LOAN officer ) saying that we have been approved, the same day my title company receive an email from XXXX telling him that it was a LOAN CLOSER from SPROUT MORTGAGE In the Email from XXXX XXXX asked to make an appointment for the closing on XX/XX/XXXX, so we did! But it was the last email received from SPROUT MORTGAGE, the Title Company never received anything else From SPROUT MORTGAGE. everybody just vanished!!! 
My Broker, my realtor XXXX XXXX and I have sent many emails, and we try to Contact SPROUT MORTGAGE Without any response.
Product: Money transfer, virtual currency, or money service

Did not give a disclosure before sending money through Zelle and did not make sure that we asked a consumer did not send payments to wrong people even after asking for the money back that was sent to the wrong person and they never give any conclusion to wrongful payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to dispute information on my credit report. 
This information, in my credit inquiries from this companies : XXXX  XXXX XXXX, inquired on XXXX ; XXXXXXXX XXXX  XXXX XXXX on XXXX ; XXXX, XXXX on XXXX ; XXXXXXXX XXXX XXXXXXXX, inquired on XXXX ; XXXX XXXX NA, inquired on XXXX ; XXXX  XXXX on XXXX ; XXXX XXXX XXXX XXXX XXXX on XXXX ; XXXX XXXX inquired on XXXX ; XXXX XXXX XXXX, inquired XXXX XXXX ; XXXX BANK, inquired XXXX XXXX ; XXXX XXXX, inquired XXXX XXXX XXXX XXXX XXXX, inquired on XXXX ; XXXX  XXXX inquired on XXXX ; XXXX XXXX, inquired XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX BANK, inquired on XXXX XXXX XXXX XXXX XXXX, inquired on XXXX XXXX XXXX XXXX  XXXX, inquired on XXXX ; XXXX XXXX XXXXXXXX, inquired on XXXXXXXX XXXX XXXX XXXXXXXX,, inquired on XXXX ; XXXX is inaccurate because I did not request credit with them.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally dispute multiple unauthorized hard inquiries reported by Equifax on my credit report. Despite repeated attempts to resolve this issue directly with Equifax, they have failed to provide any proof of authorization, including my signature or any other documentation verifying that I consented to these inquiries. Their failure to properly investigate and remove these inquiries is negatively impacting my credit profile, and I am requesting the CFPBs assistance in enforcing my rights under federal law. 

The following unauthorized hard inquiries appear on my Equifax credit report : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX ) XX/XX/year> XXXX  XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> Legal Basis for My Dispute Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any inaccurate or unauthorized information on my credit report. The FCRA requires credit reporting agencies, including Equifax, to conduct a reasonable reinvestigation and provide actual proof of authorization when a consumer disputes an inquiry. If Equifax can not verify these inquiries with signed proof of my consent, they are obligated to delete them from my credit file. 

Despite multiple disputes and requests for validation, Equifax has failed to provide any tangible evidence that I authorized these inquiries. Their inaction constitutes a violation of FCRA 1681i ( a ) ( 5 ) ( A ), which mandates that inaccurate or unverifiable information be removed from a consumers credit report. 

Supporting Documentation I have attached the following documents to support my dispute : A copy of my FTC Identity Theft Report documenting the disputed inquiries. 
A copy of my government-issued identification ( Drivers License/Passport ). 
A document containing my Social Security Number ( for verification purposes ).

A utility bill or bank statement as proof of my current address.

Request for CFPB Action I respectfully request that the CFPB investigate Equifaxs failure to comply with the FCRA and ensure that they either : 1. Provide direct, verifiable proof ( such as a signed credit application ) that I authorized each of these inquiries, OR 2. Delete all unauthorized inquiries that they can not properly verify. 

These unauthorized inquiries are negatively impacting my credit score and financial opportunities. I urge the CFPB to take appropriate action against Equifax to enforce compliance with federal law. 

Thank you for your prompt attention to this serious matter. If you require any additional information, please feel free to contact me via phone or email at your convenience. 

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

On XXXX XXXX I had opened up a dispute with XXXX XXXX XXXX XXXX. I had informed that the XXXX XXXX XXXX that I had returned a defective jacket. XXXX acknowledge the defect and return. The sent out another replacement jacket but it never arrived. I in turn requested a full refund of {$850.00} and was credited by XXXX XXXX. XXXX XXXX XXXX was suppose to credit the full amount of {$850.00} but it was never credited to my account. This in turn cause the dispute between myself and XXXX XXXX XXXX. This resulted in the late payment. 
I have provided the necessary document on the return, pic of the defect, and follow email of the non arrival of the replacement item. I still have the corresponding email between myself and the XXXX vendor. I can provide all of this to help prove my case. 
Experian Credit reporting number : XXXX I have also paid the amount in full to XXXX in hoping to avoid further late charges and negative reporting. and hoping to resolve it through the credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit report is inaccurately reporting fraudulent information from all three credit agencies, transunion, XXXX and XXXX. The following creditors have reported fraudulent inquires : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information to transunion acct XXXX amount {$3100.00} date XX/XX/XXXX