23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

1. XX/XX/XXXX ; I called and spoke with XXXX XXXX as I had asked for call escalation and he was the Incredibly unprofessional CEO that answered my request for call escalation. 1. I was requesting to have all loan documents from previous Servicer emailed or sent to me. In edition, I asked who the Investors standing behind my loan were. I was briskly and rudely informed that this was Private Information that could not be disclosed. Note : the loan documents that I signed on XX/XX/XXXX showed that it was a Fannie Mae backed loan / Miraculously, it is now being held by Private Investors, which I find terrifying, to say the least. XXXX XXXX did agree to email me the documents. Woah, I have snapshots of what was send. Email number 1 contained my deceased husbands signed loan. He was the sole owner of the loan whilst living, but passed away XX/XX/XXXX whilst he had his mortgage in forbearance. There was no other documents in this group that contained my name or signature. Email number 2. from this same XXXX XXXX contained loan documents of a woman with a XXXX XXXX XXXX Virginia address. I would call this a huge Security Breach, and it terrifies me even more. Who are these people serving mortgages and hiding behind an LLC? Might they make a similar mistake and share my information with a stranger ( in error ). 2. When I called back to inquire, I received a call center in XXXX. No Joke. I have also emailed him regarding this critical error, asking him you he advise I proceed. I have not gotten a response. At this point I am complaining and hoping for resolution via this .gov site. Lastly, it is XX/XX/XXXX and I have no tax documents. Please help me work through these critical issues. Every call I now make ends up at a XXXX Call Center. I might add they are an extremely professional group.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a compliant against Credit Bureau    XXXX , on  XX/XX/XXXX  I disputed a Fraudulent account on  XXXX /   XXXX    my credit report ... thru  XXXX  &  XXXX  ,  XXXX  sent results back as verified and belonging to me, however  XXXX  deleted the account. I also sent a debt validation letter to  XXXX /  XXXX  and receive a letter stating they will be no longer collect on this account,  XXXX  has not as of  XX/XX/XXXX  removed/deleted this from my credit report.
 XXXX / XXXX  account #  XXXX  ...
Product: Credit reporting

The XXXX # XXXX is older than 7 years why is this still listed? Please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Macy 's informed me that my ex and I have a joint account with their credit card services, however I never applied for this myself. My ex appears to have done so to guarantee his approval for the card, using me as a co-signee. Or perhaps he did it for his mistress, to humiliate me further and he gave her a card in my name. I never saw any Macy 's card. I live in XXXX California. I don't know the why this was done, but what I do know is that I did not authorize this, I had no knowledge of the account having my name added to it, I did not give my social, nor a photo of my driver 's license, nor signed any documents myself. So this entire account has been fraudulently added to my account and has been on there for almost 2 years without my knowing until I received a credit alert about one of my account 's having a negative status. I do not check my credit report unless I am alerted to potential issues, which I was. I tried time and time again to explain this to Macy 's who refuses to listen or acknowledge these circumstances. Whatever was done, was done without my explicit permission or involvement. My ex had access to any of the following ( and more ) : my driver 's license, my passport, my birth certificates, my social, my signatures, my personal credit cards, my bank account and routing/account numbers, etc. The list goes on. It is apparent to me what has happened. Macy 's needs to fix this egregious error.
Product: Mortgage

My mortgage was recently transferred from XXXXXXXX XXXX  to Mr Cooper in XXXX. All of their written communications said that any payment made to XXXX before the transfer for XXXX payments would be automatically forwarded to Mr. Cooper. I made a mortgage payment for the month of XXXX to XXXX on XX/XX/XXXX for {$840.00}, before the transfer of mortgage took place, with the understanding that the payment would be transferred automatically to Mr. Cooper. It still has not been. In order to pay my mortgage for XXXX through Mr Cooper I had to pay the XXXX mortgage AGAIN since they would not accept payment for XXXX without the payment being processed for XXXX, which XXXX  or Mr Cooper still haven't processed, so I have now had to pay my mortgage for XXXX TWICE, which I can not afford. Neither companies is able to help me or tell me where my money is or when it will be transferred.
Product: Payday loan, title loan, or personal loan

I have been receiving emails from someone from Ace Cash Services. 
Their email address is XXXX. 

One email states the original loan was for XXXX. The settlement amount is XXXX The Customer ID is XXXX File # : XXXX XXXX The loan was signed via my email address. My SSN will be placed on hold by the United States. Legal action will be taken against me. Court fees will be XXXX To resolve the debt I need to contact : Department of Law and Enforcement ( Ace Cash Services ) between the hrs. of XXXX and XXXXXXXX ( EST ) A different email states the loan was taken out online on XX/XX/2015 for XXXX. Loan signed with my email address. They state in a different email that my computers IP address was traced when signing the online contract. 
These online applications are to be secure by the loan companies.
Product: Checking or savings account

I went to my closest chase bank in XXXX NJ to report that there was transaction on my bank account that I did not recognize. This transaction was made for {$290.00} on XXXX XXXX XXXX. I talked to a representative there who told to first contact XXXX XXXXl and then if I could not resolve it, to call the bank in order to open a claim. I did just that. I called XXXX XXXXl and they promised me to refund the money. XXXX XXXX reported that some one named " XXXX XXXX '' had used my bank account and routing number to purchase an XXXX  through XXXX. XXXX confirmed the transaction. I waited about 2 weeks and no refund. I called Chase and I opened a claim. The bank assured me that they will block my account to prevent future events. They also returned the money XXXX while they were investigating. Chase told me that they will send me a letter that I was going to sign and return ( which I never received ). A few days later, the money was taken out of the account ( XXXX XXXX ) without notifying me of anything. 
I called the bank and they told me that they could not do anything about it because 60 days had already passed. But I was never told that when the claim was opened, 60 days already passed since the transaction and they opened the claim anyways and did not notify me that it was not going to proceed. I was told by XXXX the supervisor at Chase over the phone that people were there to open claims but they are not supposed to tell that it is not going to proceed because 60 have passed. 
I asked how they protect my personal information by authorizing a transaction without information that matched my account. THey had no answer for me. I was told that they could not do anything about it. 
Also because it was a High School account that I shared with my daughter there is a limit expenses of XXXX $ no more. So how did this transaction was approved. 
Chase bank does not have answers for me. 
XXXX always very hard to get to speak with someone and one someone answers the phone they says that the claims department is close. pls help XXXX XXXX XXXX account ending XXXX DOB XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and removing comments from a dispute : I asked that the comments from a dispute on my credit report be removed. I was assured by the agent that my request was documented and was given a confirmation number ( XXXX ). I requested the comments be removed from all 5 accounts I had open. This was requested on XXXX. I was told it could take up to 30 days to update and I would receive an email confirmation once complete. I questioned if this could be expedited like a request I made on XX/XX/19. That request was processed that day. The agent continued to tell me it could take 30 days. I accepted that response. 3 days later I called back for an update. The agent again stated that he would check on it and again assured me the issue was resolved and I would receive a confirmation email shortly. The phone conversation ended and I check my Equifax account ( I pay a {$20.00} fee per month for their premium service they offer ) and find there was a new dispute investigation request. I was calling for an update on the confirmation number I was given and not to open a new one. I called back to another number I found online ( XXXX ) and talked to a Executive Customer Service rep. He verified my identification by instructing me to open a dispute online to dispute the DOB in my personal file. He told to just update it to the same DOB already listed. He said the reason for this is to update the account as there were no comments in any of the disputes but it still was showing as " under investigation ''. He had me upload my drivers license and social security card to the dispute and then assure me it was complete. I then checked my Equifax account and the account that was opened in error was gone and the request filed on XXXX showed complete. The comments are still appearing.
Product: Debt collection

Back in 2019 I was a victim of fraud identity theft. The victim XXXX XXXX XXXX went to prison due to this identify theft. XXXX XXXX had the account first. My credit debt with XXXX has been cleared but somehow Jefferson Capital has the debt now which is not my debt. I want this removed ASAP. I have always had excellent credit all my life. I own 2 homes 3 vehicles. Why would I not pay these charges if they were mine. I keep getting debt collection notices from Jefferson Capital and I need your assistance to get my name cleared. One charge {$530.00} and other charge {$450.00} Thank you in advance
Product: Checking or savings account

I opened a premier checking account with HSBC US on XX/XX/XXXX. Hsbc had a welcome bonus  offer on their  website of $XXXX  if you open the checking account and receive a direct deposit of $XXXX   monthly   within the first 90 day of opening the account. the terms stated that the deposit will be deposited to my account within 8 weeks after meeting the requirements. I met the requirements in XX/XX/XXXX, so i should've received the welcome bonus in XX/XX/XXXX. I called HsBC 2 times and i also send them a message. The message i sent I received no response for. The calls both reps i spoke with they tell me will do an investigation and will call you back. I asked for a case number, but that was not provided and they told me we don't have a case number. Both reps never call me back. the welcome offer i signed up for is simeler to this one: https://www.us.hsbc.com/checking-accounts/campaigns/offers/
Product: Credit reporting or other personal consumer reports

BUREAU IS REPORTING IN-ACCURATE ADDRESSES TO MY CREDIT REPORT
Product: Checking or savings account

Recieveing payments I believe someone got my information I get XXXX SSI and I have part-time job I believe someone got my information but not even that they have my email information
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the months of  XXXX ,  XXXX , and  XXXX  of    2017  an unverified account with  XXXX   XXXX  for {$2600.00} was investigated and deleted from credit reports. The account has been reinserted on my credit report under  XXXX   XXXX   XXXX  for {$2600.00}. Once  XXXX   XXXX   ( who m I have never had contact with or have a contract with ) received notice of my disputing this account with them, they sent me a letter concerning this previously deleted unverified account. Furthermore, I was not given the opportunity to contest this information before it being re-reported because I did not receive m y five bus iness day notice that this information was being re-reported on my credit report.
Product: Credit reporting or other personal consumer reports

Bank of America reported a past due balance without previously informing me of the past due balance. They do not mail me account statements and revoked/refuse to grant me a access to my online account and app so monitor any balances myself ( coercing me into an past due balance that I was uninformed about ). I only learned of the past due balance once it was reported to the credit bureaus and cured it same day. I disputed the adverse reporting and the bank refuses to remove it from my reporting though they failed to properly validate debt. This occurred during a car purchase and I now have a much higher auto loan interest rate and payments plus mutliple credit inquires as I struggled to obtain credit due to this malicious reporting. Bank of America 's failure to oblige by the FCRA has resulted in immense monetary damages and a XXXX point dip in my credit score that they refuse to rectify.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX  Balance Owed : {$23000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$15000.00}.
Product: Vehicle loan or lease

A car was purchased in my name and the loan company was ally financial. I have made several called to ally financial and reported the fraud and they are now ruining my credit and life refusing to take the account out of my name for an XXXX dollar car. Ally finical told me to let the car be repossessed or trade it in and I will be responsible for the remainder.
Product: Checking or savings account

BRAND NEW ACCOUNT WAS SUSPENDED FOR A FALSE FRAUD ALERT. ALTHOUGH I WAS INFORMED THAT IT WAS DETERMINED THERE WAS NO FRAUD, BANK OF AMERICA WAS UNABLE TO REOPEN MY ACCOUNT AND COULD NOT EXPLAIN WHY. I REQUESTED TO CLOSE MY ACCOUNT AND WAS INFORMED IT COULD NOT BE CLOSED BY AN INEXPERIENCED CUSTOMER SERVICE AGENT WHO DID NOT SEEM TO KNOW HOW TO CLOSE AN ACCOUNT. I WAS TOLD THAT THE ACCOUNT COULD NOT BE CLOSED UNLESS I STAYED ON THE LINE FOR AN INDETERMINATE AMOUNT OF TIME. I SPENT OVER AN HOUR BEING TRANSFERRED FROM CALL CENTER TO CALL CENTER WITHOUT ANY RESOLUTION. NO EMPLOYEES UNDERSTOOD WHAT WAS GOING ON WITH MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is in litigation. Ive already filed complaint with attorney general. Im now reaching out to cfpb because Santander is continuing to report this account even though Im apart of settlement. I filed complaint previously to cfpb which includes complaint number. Santander admits they have no info on this account!! Yet theyve repeatedly validated it to XXXX and XXXX. I also noticed that this has been a common problem with Santander and there is a current lawsuit with cfpb. Please assist me in resolving my concern. Once Again Ive attached documents
Product: Student loan

I have repeatedly been given wrong information by this company. I was told that I need med to follow certain criteria to get a co signer released, and I followed all their guidelines and it took over 5 years and plenty of headaches to finally get the co-signed released. When I originally start anything back I was on able to forward the payments at the time told me to speak to one of my parents to get the money for it to put in the forbearance little did I know that putting in to forbearance would compounding interest I also didnt understand why my student loans would range from interest rates 6 % to 10.75 % They have not worked with me said that there was nothing that they can do. This has been going on for over 8 years.
Product: Debt collection

I was a XXXX  of XXXX  XXXX XXXX. In the course of my study i have lived in XXXX apartment all my life. In the last year of my stay in the school, i signed a lease with them as usual. I realized i would be graduating in XX/XX/XXXX, so i decided to sign a 10 months lease starting from XX/XX/XXXX through XX/XX/XXXX. After XXXX, i moved out of the apartment since my lease expired XX/XX/XXXX which was my XXXX  date. 4 months later, i started getting calls from carter-young ( a collection agency company ) stating i am owing 2 month rent for XXXX and XXXX. 
This come as a surprise to me, and i sent a copy of the notification i received when i signed the lease to the collection agency. However, they refused to acknowledge the documents i sent to them. The document was sent to me by XXXX apartment and it states the start and ending of the lease in conjunction with how much am to be paying every month. 

Please help me look into this case as it has really affected my credit score. And they have really caused so much damages to me. I am willing to forward a copy of the electronic mail sent to me when i signed the lease if needed,
Product: Credit reporting or other personal consumer reports

Kindly eliminate the inquiries as I did not initiate or apply for any of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a derogatory record of failed lease payment reported by United Credit and Collection Inc ( XXXX XXXX XXXX XXXX XXXX, Missouri XXXX ) to XXXX XXXX XXXX. United Credit and Collection provided the report on behalf of XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX, Missouri XXXX ). 

We left an apartment at XXXX XXXX XXXX  XXXX for safety and sanitary reasons on XX/XX/XXXX. Prior to leaving we indicated both verbally and in writing to the property manager about the dog barking on our floor, the presence of large dogs in hallways and elevators and the dog excrement in common areas. This was not acceptable to us and a violation of the lease agreement that we had signed in XX/XX/XXXX. The lease we signed had a no animals policy ( Item XXXX XXXX agreement ). The property manager, XXXX XXXX, reassured us that the only tenants who had XXXX agreements would be allowed to have animals. This policy changed and XXXX XXXXXXXX XXXX XXXX advertised their leases as 'pet friendly ' and that any tenant could have two dogs with no size or breed restriction. 
We indicated the safety and sanitary reasons for our departure. We received no response from the property manager about our complaints nor any disagreement about our reasons for leaving. We provided written notice six weeks prior to our XX/XX/XXXX departure and paid an additional 30 days rent on departure. We include as support of our health and safety claim, the property managers notice ( XXXX XXXX ) to tenants about the continuing pet violations in XX/XX/XXXX. This notice was sent two weeks prior to our departure and four weeks after we provided our written notice to XXXX XXXX. We include the lease agreement that indicates NO Animals. We provide a lease ledger indicating the continued churning of our account following our departure for cause. This ledger ( {$3000.00} ) differs from the continued churning found in other ledgers of XXXX XXXX XXXX  XXXX XXXX. that was sent to the credit reporting agency. 

XXXX XXXX XXXX XXXX not only ignored our complaints but also continued to add charges to our account despite the resident managers acceptance of our written notice in XXXX and the acknowledged submission of keys and fobs for our apartment on XX/XX/XXXX. The {$4500.00} charges submitted trepresent churning of our account with continued charges through the end of the lease in late XX/XX/XXXX. 

The notice of pet violations from the prorperty manager is included with the report. 
We left our lease early for safety and sanitary reasons. We dispute the derogatory report. We request the notice be removed from our credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I am in the process of lowering my debt ratio. This year I have paid off XXXX dollars in debt. {$8500.00} was to Synchrony bank on a vehicle loan. 
Now Synchrony bank who also is the lender on my XXXX XXXX XXXX has lowered my credit limit to the amount I currently owe. 
I have never been late with a payment. I always pay more than the minimum due. My credit is taking a dive because these ratios are off but when they lower my limit it gives a false number. This should not be allowed. If I had been late I would understand. But this seems manipulative to me. My credit score has gone down by over 70 points in one year and I have never been late on a payment and have paid 2 loans off. This is because of acts like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly a collection in the amount of {$4000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 17 and 18 of the attached credit report. ) I have healthcare coverage with XXXX but had to go out of network for an emergency room visit for XXXX pains. I didnt have a choice as this was a dire situation. Anytime you have a life threatening emergency they are suppose to cover you as though you are in network. This collection is not mine. This incorrect reporting is harming my credit score and these line items need to be deleted from my credit report.