23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I pay my mortgage every month on the telephone. Over the course of about 1 1/2 years I missed two mortgage payments due to two separate motor vehicle related emergencies. XX/XX/2019 I called to make my monthly mortgage payment and the mortgage company refused to take my payment and told me I had no choice but to file a modification application. I had been receiving several of these packets in the mail, but the company kept accepting my payment and I had no real need to apply for a modification. Although I'm on Soc. Sec. Disability I still a very much able to make my payments since my mortgage is only about {$700.00} a month and my household bills are minimal, and not to mention my mortgage was projected to go down to {$600.00} a month this year. So I filed my modification and even offered a months mortgage as a down payment, but my application was denied they said, because it hasn't been quite four years since my last modification and according to the last modification, I can't file another one for four years. Now, I'm on disability, I've been in my home for 21 years, I have two large dogs and I will not, can not and am not able to move. I feel I was pressured into filling out this paperwork and then denied in an attempt for the mortgage company to take my home. The missed payments were not back to back. Other than this I've always made my payments. I was also told that foreclosure doesn't begin until 4 payments are missed. Now, I'm 6 payments behind because of me filing the modification and the wait period. What can I do.
Product: Debt collection

I've received several notices from XXXX XXXX for accounts that have been in default due my failing health. 

XXXX bought debts from a XXXX cards and entered judgments against me XXXX  XXXX - which was dismissed XXXX XXXX XXXX - Entered in the amount of {$5300.00} CITI Bank- Which was entered which they are now trying to garnish wages from a Job I no longer work at. and I am paying the debtor directly
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction with the lack of response from your company regarding the disputes I have submitted for inaccurate information on my credit report. Despite sending disputes to TransUnion, XXXX, and XXXX detailing the errors and violations of my consumer rights, I have received no resolution or acknowledgment from your end. 

It has now been well over 30 days since I submitted my disputes, and your company has blatantly failed to adhere to the Fair Credit Reporting Act ( FCRA ) guidelines. Specifically, you are in violation of FCRA 623 ( a ) ( b ) by neglecting to mark the disputed account as disputed, as well as FCRA 605 ( c ) by running the reporting period despite inaccurate information being present on the account. 

Furthermore, your failure to validate the collection account in question constitutes a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) 809b, as confirmed by the Federal Trade Commission ( FTC ) opinion. 

Attached to this letter are copies of all the dispute letters I have sent previously, clearly outlining the inaccuracies and violations present on my credit report. 

I demand that immediate action be taken to rectify these issues and ensure that my consumer rights are upheld. Failure to do so will leave me no choice but to escalate this matter further, including seeking legal counsel and filing formal complaints with the appropriate regulatory bodies. 

I expect a prompt response and resolution to this matter within [ insert timeframe ]. Your cooperation in this regard is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I contacted all three credit reporting agencies regarding items that werent mine on my credit report. I let them know that these particular items were due to identity theft. Each of the agencies gave me the same conclusion, in order to get rid of items on my report I needed to first begin a dispute and wait the allotted time as well as fill out an Identity theft report with the FTC. I did all of theses things supplied a copy of the report and the further told me I still had to wait for their investigational findings. After the results of their investigation came back there was still no change. Due to the present case that the CFPB just won in federal court concerning the lack of investigation on the part of both XXXX and Experian I believe the same negligence or lack of investigation was repeated in my case. I gave all the required information proving what I said to be true along with CFPB complaints as well as my official reports from the FTC. I would just like for these items to be removed.
Product: Credit reporting or other personal consumer reports

I tried to dispute inquiries on my chexsystems report online it wouldnt allow me to do so. I tried calling and didnt have any luck either I supplied an ftc report to support my claim I would like all unauthorized inquiries removed from my chexsystems report immediately
Product: Debt collection

Consistently for the past month I have had MRS Associates from Colorado calling me 5+ times a day from multiple numbers, ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX. At first, I would answer the phone calls and they would immediately hang the phone up. Then, I was extremely irritated by it and called them back one day after they hung up and spoke to someone to ask why they were doing that and they would not give me an answer. In the most recent conversation I had with a XXXX ( I think that is the correct name, not sure ) She would n't tell me why they had been calling me so much and hanging up. Just asked about me paying the {$110.00} and how I was going to pay it. I told them that I would not pay it if they did n't stop harassing me and I would n't have the money to make a payment for at least another month and to please stop calling until then. The very next day, I received a phone call from MRS Associates and I answered and low and behold, they hang up again. I 'm very tired of dealing with this and I need help with this. It is becoming very stressful and infringing on my time at work. They will not stop even though I have asked numerous times and told them I could n't do anything for at least a month.
Product: Checking or savings account

I lost my wallet which included my debit card. I contacted Santander Bank immediately after I realized my card was in my wallet and when I noticed that there were several transactions made with the card that I did not authorize or make. The transactions were apparently made outside of the country which totaled about {$360.00}. The last transaction I made was in the general area where I live in XXXX. I filed a dispute/claim with Santander and XXXX their questions to the best of my knowledge. Santander rejected the claim/dispute because apparently whoever found my wallet figured out and used my pin. The transactions were not made by me nor did I authorize them. Given Santander unwillingness to assist me to date, I am hopeful that consumer protection laws and this agency can assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXXXXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX NAME XXXX DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX  XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX  when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, Equifax and XXXX  credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and XXXX XXXX XXXX XXXX  with no successful resolution. XXXX, Equifax, and XXXX are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late twelve times, and I was never 60 days late.
Product: Debt collection

I'm writing because I noticed a collection account listed under IC Systems Collections that lists on my XXXX  and XXXX  Credit Reports. I have never a letter of dispute notice from this company and or phone call. I have recently disputed this account with the credit bureaus and it has no message underneath the collection with the account being under dispute. This is in violation of the FCRA and this account needs to be removed from my accounts as soon as possible.
Product: Debt or credit management

I hired Lexington Credit repair back in XXXX  to repair my credit and was over charged fees but they didnt do much for me
Product: Debt collection

ERC contacts me and leaves call-center sounds on my cellular telephone answering service. However, today I was able to answer the telephone before it went to the answering service. The caller did not identify herself other than to ask for " XXXX XXXX, '' whom I promptly informed her was nobody known to me. She then hung up abruptly without explanation. I used a call-tracing service to determine this was ERC and asked them directly and through the Federal Communications Commission to cease and desist calling me as I am not whom they seek.
Product: Checking or savings account

I opened a checking and savings account with XXXX on XX/XX/XXXX. My first attempt to transfer funds ( {$10000.00} ) to the new savings account failed because of policies at my primary bank. I successfully transferred funds ( {$5000.00} ) a couple days later after being notified that the first attempt had failed. Since that time, the only communication I received from SoFI was regarding my account, my statements, and my new debit card. 

On XX/XX/XXXX, I attempted to log into my account and was unable to. I called support and they informed me that my account was restricted as of XX/XX/XXXX and under review and that my funds were frozen. There was and has been absolutely no communication or indication that my account had been suspended and was going to be deleted. At the time of writing this complaint, I have contested the account closure through the phone customer support, but I have no direct way of seeing the status of the issue or communicating with anyone who has any power over my account. I still do not have access to the {$5000.00} and have no clue when the money will be given back to me. Every attempt to get more information over the phone is a dead end. This is the absolute worst banking experience that I have ever had.
Product: Mortgage

Applied for a Home Affordable Modification with Ocwen Loan Servicing , LLC and was approved for a three month trial of {$380.00} a month. I made all payments on time and was sent the documents to sign for approval but upon reading the documents this look like extortion. If I could not make my monthly payments due to a injury at work which caused me to be XXXX and a very significant decrease in my income what would make them give me a modification where I make monthly payments in the amount of {$380.00} for 23 months and have a balloon payment of XXXX which is the beginning principle balance. So, what happened to making the loan affordable for the homeowner to keep their home this is more like pay me some money dummy and I still keep your home. The home was going to auctioned off anywhere between $ XXXX in the year XXXX. I guess it is a good thing I can read. I filed bankruptcy due to this injury and was trying to do the right thing and pay for the property because it belongs to my mother who has been helping me through this process. I would love to keep the home so my mom can return when the time is right but I will not be a fool. I know this company has many complaints and bad reviews at the XXXX and I can see exactly why. I thought they were wrong for telling me not to send in my payments to catch it up when I got out of the hospital but this right here takes the cake. This is not an Affordable Home Modification at all. I also told my agent that I had not received my documents and they still sent documents with the XXXX deadline and it was clearly delivered in XXXX just another dishonest tactic. If payments are being made please tell me what is it being applied to : Somebody Pockets because it is definitely not the loan and at what point did Ocwen try to work with me by only dropping the interest rate and not applying the funds to the loan but applying fees. I see that number 2. was just ignored completely : If my representation in section 1 continue to be true in all material respects and all preconditions to the modification set forth in Section 2 have been met, the Loan Documents will automatically become modified on XXXX/XXXX/XXXX ( the " Modification Effective Date '' ) and al unpaid late charges that remain unpaid will be waived. Because I do n't agree to add all amounts including arrearages, unpaid and deferred interest, fees, escrow advances and other costs. If I could have made payments we would not be at this point. It is called a Home Affordable Modification not Unaffordable Home Modification. Please tell me what average person has XXXX to just give at one time. ( Not many if any ) At, this point I 'm not average because I 'm XXXX and just starting working last year in a position that paid XXXX an hour. So, please tell me how and the world can I pay XXXX in 23 months. I have made three payments in the amount of {$380.00} a month on time and no credit has been applied to my account according to these documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while observing m y credit score a nd account overview on my  XXXX   XXXX  app, I came across  XXXX  hard inquiry listings on both my  XXXX  and   XXXX    reports. On my   XXXX   report, there is an inquiry dated from  XXXX   XXXX ,  XXXX  and the inquiry is with Syncb/amazon. This was never an authorized inquiry, no r one that I have ever been familiar with. I would like it removed from my credit score, as it states  the estimated removal date is  XXXX  of  XXXX . The other hard inquiry, which is on my   XXXX   report is an inquiry from  XXXX   XXXX ,  XXXX , which once again is an unauthorized and unfamiliar inquiry on my behalf that I would like to have removed from my  credit score. This spe cific inquiry states it is from  XXXX   (   XXXX   XXXX   XXXX   XXXX  . ) a nd will be removed at an estimated date of  XXXX   XXXX .
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Around XXXX & XXXX my credit report had invalid information which reported as Ginny 's XXXX XXXXXXXX XXXX XXXX WI XXXX stating I owed {$390.00} to which I did dispute with all three credit agencies and asked for verification, to which was never acknowledged by the credit agencies however remained on my report. I have made ongoing attempts to have this false information removed from my report. Ginny 's was removed after multiple disputes That this was not my debt. It has appeared on and off my credit report since XXXX. It showed XXXX removed this from my report XXXX, however this exact invalid information is currently showing on my credit report. I have no contract with Ginny 's therefore my personal private information was not to be provided. Ginny 's has violated my rights multiple times. The security of my personal information appears to not have the protection that it is supposed to have as stated under many laws. Ginny 's has placed false debt on my personal report hence the fact I disputed the invalid information on several occasions through the years. I ask that this false debt be removed from all 3 of the credit reports immediately or I'll further my complaint to Federal Government, as this is false information that has been randomly placed on my report which hinders my ability to have availability to potential credit offers or loans if needed. Ginny 's has defamed my character, trying to coerce me to pay a debt that is not mine ( Illegal Debt ) My credit report is getting handed to someone I have no contract with, nor did they have permission to have access to my private information. Please remove false debt Ginny 's, I have not given you or your employees permission to have my nonpublic personal information. You have infringed on my personal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX : {$30000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I inaccurately reporting my information not properly responding with full evidence of the investigation as requested breaking multiple laws in which I want to be compensated for if all inaccurate information isnt removed and they must show full step by step verification of the investigation that takes My full legal name is [ XXXX XXXX ]. My Social Security Number is [ XXXX ]. My date of birth is [ XX/XX/1978 ]. I am an individual and consumer as defined under 15 U.S.C. 1681a ( c ). This letter is a dispute of the completeness and/or accuracy of an item of information contained in the consumer file that you maintain about me, pursuant to the provisions of 15 U.S.C. 1681i.

The item of information below that you maintain in a consumer file about me and publish to third parties is inaccurate and/or incomplete and I request that you promptly delete it from the file : [ XXXX XXXX Account XXXX Pursuant to 15 U.S.C. 1681g ( a ), I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file... means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file.

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ). I have enclosed proof of my identity and current mailing address. Please be advised, this dispute letter contains sufficient information for you to legally act on it. Any delay tactics or needless requests for information will not avoid your legal obligations to me. If you fail to comply, I will seek damages, costs, and attorneys fees.

See 15 U.S.C. 1681n-o. 

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

I XXXX XXXX have disputed an item with Capital One on my credit report. And the company have fail to comply under U.S.C 1681S-2 } ( A ) ( 3 ) Duty to provide notice of dispute in the completeness or  accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer. Capital One are required by federal law to place notice of dispute on my account within 30 days of my dispute which they have signed for on XX/XX/2019. I have retained a copy of Capital One signature and date of receipt as well as a time stamped copy of my credit reports showing that they have violated the Fair Credit Reporting Act. By not placing the disclosure within the required 30 day period.
Product: Checking or savings account

On XX/XX/XXXX i got locked out of both my checking and investment account. I contacted my wealth relationship advisor to solve this problem, and they said my account was under review, with all the assets they are managing inside. 
On XX/XX/XXXX, i got an email saying that my accounts will automatically close within 60 days. 
On XX/XX/XXXX, after no solution from the bank though my advisor, i called them, and spoke with a fraud department representativa, who said that because of a previous claim, made on XXXX, my account should be closed. I told him that i was traveling to XXXX  in XXXX, if he could postpone this matter. Representative said yes, and the closing process was stopped. 
On XX/XX/XXXX, I called both the relationship advisor and the asset manager, and they told me that accounts will me closed, and that no reason was given to them. After many apologies from them, and having them said that they tried to find out the reason for the closure, we hang up.
Product: Credit card

Someone opened a credit card with XXXX.This was not my doing account went into collections and now LVNV funding llc is trying to collect this debt. Please remove this debt from my credit report it is effecting me dramatically.