23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am currently in a XXXX  XXXX bankruptcy proceeding. I am making payments on the mortgage through the trustee. The mortgage is outrageous right now. I am a senior citizen, almost XXXX XXXX XXXX, am XXXX and am going through severe hardship. I do not want to lose my home and I've never missed a mortgage payment. PHH is the lender. 

I asked for a loan modification and they sent me paperwork. I sent in all of the paperwork twice and called in many times. They claim they haven't received it because of " underwriting errors '' or because the files might be too large. They then request new information each time, which is very hard for me to put together because I am XXXX. I have proof that I have emailed all the information in and their calls are recorded so they have me on a recorded line asking what else is missing. They keep just giving me the run-around and they have just increased my mortgage payment again, because it is variable interest. 

I am begging the CFPB to help me. I do not want to be bounced around anymore. I provided bank statements from myself and my wife, all the evidence they've asked for, the application and more. I just need a breather as a XXXX senior, I do not need to be bounced from agent to agent each time I call PHH.
Product: Debt collection

This account was opened up as fraudulent. XXXX XXXX  XXXX ( Account XXXX ), Original creditor : XXXX XXXX XXXX N.A.Date Opened : XX/XX/year>. XXXX {$680.00}. I have never had an account with any of these companies. Cease the reporting of the fraudulent item being reporting immediately.his account is fraudulent and does not belong to me, I have attached an FTC report along with this document. I am requesting the following XXXX. XXXXmmediate Cease of reporting this alleged debt to any Credit Reporting Agency 2. A formal apology from Midland Credit Management for the violation of my rights under the FDCPA. 3. Compensation for emotional distress and inconvenience caused by your unlawful collection efforts, in the amount of {$1000.00}. 4. Reimbursement of any legal fees incurred in addressing this matter. ( Please see attachments )
Product: Credit card or prepaid card

To whom it may concern Ive been a loyal customer with Wells Fargo for more than 20 years Ive never had an issue with fraud until it happened on XXXX XXXX I was at work here at a XXXX XXXX, in XXXX, Fl around XXXX XXXX  I received a fraud alert via email, I immediately contacted Wells Fargo which by that time a representative said that charges was made on my Wells Fargo credit card which was a total of roughly XXXX plus charges was made In XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX XXXX  Im overwhelmed and been XXXX  XXXX XXXX XXXX  because Wells Fargo has been unhelpful Im an elderly woman who is feeling betrayed because Ive been a customer for over 20+ years and this is how Im treated Ive provided Police Reports, Work Schedules.Its been over 4 months and still nothing is being done for the unauthorized transactions which I did not authorized nor am I aware of anyone who would do such a thing as committing fraud. Wells Fargo expects me to recommend their services to my colleagues no way! until my situation is fixed I may consider.
Product: Debt collection

THIS COMPANY LVNV FUNDING LLC JUST SHOWED UP ON MY CREDIT REPORT TWICE, ONCE FOR {$690.00} FOR XXXX XXXX, AND ONCE FOR {$280.00} FOR XXXX? I HAVE RECEIVED AN OVERWHELMING AMOUNT OF EMAILS FROM THIS COMPANY AND HAVE ALREADY DISPUTED WITH THEM THAT THESE ARE NOT VALID ACCOUNTS. THEY HAVE DONE NOTHING TO PROVIDE ME WITH ANY LEGALLY SUBSTANTIAL DOCUMENTATION SHOWING TIMELINE OF MY OWNERSHIP OF THESE ACCOUNTS! THESE ACCOUNTS WITH THEM NEED TO BE REMOVED ASAP! JUST AN EMAIL " STATEMENT '' FROM THEM DOES NOT PROVIDE PROPER VERIFICATOIN OF DEBT BY LAW. BOTH OF THESE ACCOUNTS NEED TO BE REMOVED. I DO NOT OWN THESE DEBTS.
Product: Credit reporting or other personal consumer reports

I am a victim of ID Theft! After reviewing my credit report recently as I have not used my credit in 2-3 years, I have seen many discrepancies on my file. There are multiple accounts that have been opened in my name without my authorization! 

I am filing all the necessary paperwork as I have recently found out about this. 

The following accounts need to removed from my XXXX, XXXX, and Experian reports as they are unauthorized accounts : XXXX XXXX XXXX. XXXX, XXXX {$530.00} XXXX XXXX XXXX, XXXX {$1300.00XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX, XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$530.00} XXXX XXXX  Reported : XXXX XXXX, XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX that I paid on time monthly. Once I turned the car in, I submitted the final car payment. ( Final payment in XXXX- paid twice that month ). I was subject to fees ( over mileage and disposition ) which I ultimately paid as well but were not part of the revolving payment. 

XXXX reported to credit bureaus that I paid my monthly installment late and that I settled for less than the amount owed- both inaccurate. I can not get someone at XXXX to speak with me about this.
Product: Checking or savings account

Hi, I had opened an account in XXXX but failed to visit branch. Now I am unable to open an account at the branch today.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX  are fraudulent on my credit : XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX U S DEPT OF EDXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX   is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is reporting unverified information on my credit report. They are reporting a bankruptcy on my credit report that is inaccurate. When I brought this to their attention, Lexis Nexis stated that they received the information from the US bankruptcy court. I then wrote a letter to the court system myself, asking for an explanation. The US Bankruptcy Court replied to my complaint stating that the court, in fact DID NOT provide LexisNexis this information, nor do they provide any personal information to any other credit organization. This is a clear case of identity theft and has been reported to local police. 
I sent this letter certified XXXX USPS tp LexisNexis along with my Identity Theft Affidavit. The company has not responded. to my complaint
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX. According to my records, a late payment was reported for my account number:XXXX  in XXXX 2018 . This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XXXX 2018 late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, XXXX and TransUnion ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : CAPITAL XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

On XX/XX/2021, I sent letters regarding unknown and inaccurate items listed on my credit report. More than 90 days have past without a response of any kind and I feel that my request has been ignored. in Section 611 ( a ) of the FCRA, it clearly states that failure to investigate these items in 30-days requires them to delete the disputed items immediately. It has been a total of 91 days since my last request and no response. These items should be promptly deleted from my credit report. My information had been involved in the Equifax data breech and is most likely in the hands of the wrong people.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Experian is reporting inquiries not authorized by me : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX 

and 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

Equifax is showing debts in collection but nit the debt collectors name. I have no way to verify its accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 3 years I have Dealing with Equifax regarding fraudulent information on my credit report. My credit report was duplicated, and they add lots of fraudulent information that did not belong to me. After several months fixing the problem of the duplicated report, they completed the process of separating the reports. On my report they pass many incorrect and fraudulent information from the removed report from other person. I have provided evidence of my identity of my address, police reports, etc. etc. more than 20 page of evidence and they refuse to remove the information after being provided with proof. When I call, they say its because of documentation or different excuses each time. They do not response to letter, we must spent 2 hours on the phone to talk to an agent, most of the time their system is down, or they agents hang up the phone. Also, when I disputed by fax they sent letters indicating the information was removed from the report, but they never do so and at the same time they send a second letter indicating they need additional information regarding identity. They Have from me my US passport, Drivers Lic. Concealed weapon lic, birth certificate, social security, and all the legal information needed including at least 4 address evidence on myt name. This has become a nightmare, and they do not work with customers, they do whatever they want, and each agent provides illegal information not supported by law on each call information like, Inquiries are not covered under the FCRA, we do not accept birth certificate, we do not have to remove the information after 30 days. Etc. etc. They are rude over the phone, 80 % of the calls are terminated by them when they see to many issues on the cases, or when its to early or 30 minutes before closing. 8 from 10 calls they do not have system available. Please do something Equifax is the worst company ever. And no body does anything with their illegal and ride practice.
Product: Credit reporting or other personal consumer reports

I

submitted a letter to the 3 Credit Bureaus ( XX/XX/2024 ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$76.00} XXXX XXXX XXXX XXXX Balance : {$29000.00}
Product: Credit reporting or other personal consumer reports

these accounts was charged off on the following date XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX n it was charged off multiplies times up until XX/XX/XXXX, XXXX  acct number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charged off XX/XX/XXXX n it also was charged off multiply times last time was XX/XX/XXXX, XXXXXXXX XXXX XXXX acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was charged off XX/XX/XXXX multiple times until XX/XX/XXXX, XXXX XXXX first charged off XX/XX/XXXX charged off multiple times until XX/XX/XXXX since these accounts has repeatedly been updated as charged off every month, this is an update in payment history a charge off account should not include payment history this is innaccuate information falsely manipulates the statue of limitations you failed to investigate these account properly and your neglect has violated my rights I am demanding a deletion of the following accts that I have included above
Product: Debt collection

PROFESSIONAL CREDIT SERVICE # XXXX* XXXX XXXX XXXX XXXXXXXX XXXX XXXX OR XXXX ( XXXX ) XXXX I disputed the above named company for reporting that I owed them {$94.00} dollars. I spoke to this company via phone in XX/XX/2019, and asked them to identify me as the person who opened a telephone account with their company. The above named company could not provide me with a social security number that I provided them with to positively indentify me as the person who had a phone account with their company. 

Moreover : 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owe as third-party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus, failed to do so. 
7. above company must submit to Consumer Finance what name was submitted for these alleged business transaction ( s ) and/or service purchased. Or any items purchased. Above company named must submit the correct spelling of my name and address I reside at while contracting or purchasing their services or items. Above named company must provide full information identifying me as the person doing business with them on said date submitted above.
Product: Credit reporting or other personal consumer reports

spoke with XXXX trying to get multiple incorrect addresses removed off my file to only have my current information on my file. She refused to remove any address associated with an account, stated their system wouldnt allow them to remove the addresses even though the law states that there is only accurate information to be furnished on my report this company is knowingly reporting false and inaccurate information to my report. They are in direct violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

Block of information resulting from identity theft. under section 605 B this should be removed within four days. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed.
Product: Bank account or service

I had a good working relationship with chase bank for years and suddenly when i applied for a new account, they closed all my accounts without explanation and sent me a letter saying i have no more active accounts with the ... they wont give me an explanation what i did wrong!
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX i did wire transfer from my XXXX XXXX amount of {$5000.00} ( XXXX XXXX dollars ) on XX/XX/XXXX to COINBASE on my Friends Name : XXXX, next day on XX/XX/XXXX we received email from COINBASE that because of name on the Bank and COINBASE account different money will not be accepted and will be reversed within 7 business days. We still did not get our money reversed back to the bank and we tried to call them a lot of times and sending emails still nothing. Please help to get our money back we almost run out of savings.
Product: Credit reporting or other personal consumer reports

Hello im a victim of the equifax data breach and all of my three bureaus credut information is tainted and tamper with. Equifax did correct the information but now it seems like all of the fraudulent and incorrect information has made its way back onto my report. XXXX and XXXX never address or fixed the matter and this is hurting my everyday way of living. This is not only hurting me but its hurting my family. Please contact all three bureaus to address this in a timely manner and remove everything since none of this is validated and corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my most recent credit reports,  XXXX  has reported    XXXX    student loans (   XXXX   federal,   XXXX   private ) as receiving late payments. This is inaccurate.
According to my reports from all   XXXX   credit reporting agencies, I had two pay  ments 90 days late i n  XX/XX/XXXX .  According to the  XXXX  service rep and my account history, this reporting was caused by the system marking me 90-days late as of   XX/XX/XXXX this d  a te is less than six weeks from my leave from  XXXX   XXXX  University, and marking me again as 90 days late on   XX/XX/XXXX t  his  date is less than 90 days from the prior reported date and well before the end of the 6 month grace period that should have been in effect after I left  XXXX   XXXX  University in   XX/XX/XXXX .      These items did not appear on my credit report until this year, which is odd, since they were not reported at the time of alleged late payment. These items furthermore do not match the records in my   XXXX    history. I have made on time, auto-pay payments consistently since I began repayment and have an otherwise perfect payment record. I am not sure why these are reported as late years after the fact.     I sent a dispute letter to  XXXX  on   XX/XX/XXXX .   XXXX  responded that they had investigated and confirmed the accuracy of the report.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this tuation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all iformation associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : 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 Charge-off {$0.00} I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. 
1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports