23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a call on my phone from phone number ( XXXX ) XXXX, asking for my son, by name, from a guy identifying himself as " XXXX XXXX '' and that he was a representative in the " Mortgage Loan Department '' of XXXX XXXX Bank. I asked him what the call was about and he said he wanted to talk to my son about a problem with his mortgage at, and he identified my home address. My son is not now, nor has he ever been, on either title or the loan on my home. My son is a XXXX yr old full time college student and XXXX XXXX. I advised him that my son was " not home '' but that i might be able to help him as I am a co-mortgagor on the property. He apologized for not being able to see any of my information in his " records '' but wanted my email address so that he could send me the " legal email '' he needed to send me before he could talk to me. I asked what was the issue he needed to talk about and he said that the house was in " serious jeopardy '' due to all of the " back taxes and insurance that has n't been paid. '' At this point I told him ( in very colorful language ) that I was n't aware of any of that but that I was aware of the fact that he was nothing more than a fraud. He responded that I was being recorded and I advised him that I was very glad of that so whoever was recording would have a record of just what a XXXX XXXX he was. He responded in kind and promptly hung up. Out of curiosity, I re-dialed the number that had just called me and was semi-surprised to hear, " Thank You for calling DiTech Mortgage. '' I 'm not sure exactly what this XXXX was calling about and phishing for, but I do know it was nothing legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Mortgage

on XX/XX/XXXX, I called Mr Cooper/Nationstar 's toll free phone number, XXXX, to make my XXXX mortgage payment through an automated payment system. I have been for years, making my mortgage payment constructively received by the servicer before 30 days past due. Those calls were made at XXXX, XXXX, XXXX and XXXX pacific time.  Each of those four times the automated system said I would have to speak to a representative. Then I heard a recorded message telling me the offices were closed. 

I call Mr Cooper/Nationstar XX/XX/XXXX, Monday morning, to make my payment. Three times, the automated system transferred my call to a CSR and XXXX, then XXXX, then XXXX said they could not take my payment or give me information. 

Mr Cooper/ Nationstar claimed my litigation with XXXX , XXXX XXXX and Seterus as the reason they refused to take my XXXX payment or give me any information.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The XXXX  XXXX Account And XXXX  XXXX XXXX XXXX I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  account # XXXX has been disputed previously with the bureaus due to fraudulent account. XXXX has removed account however XXXX and Equifax have not. This is hurting my credit rating. I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

LVNV PLACED A COLLECTION ACCOUNT ON MY CREDIT REPORTS AS THE ORIGINAL CREDITOR BUT I NEVER HEARD OF THEM OR EVER HAD AN ACCOUNT OR OBLIGATION TO PAY THEM. I REQUESTED PROOF AND THEY DID NOT PROVIDE THE PROPER DOCUMENTS. RESURGENT, THEIR ASSOCIATE COMPANY SENT OUT SOME FABRICATED PAPERS WITH SOME OTHER COMPANY LISTED AS THE CREDITOR, NOT LVNV. I, IN TURN, SENT THEM A CEASE AND DESIST LETTER TO STOP COLLECTION ACTIONS AND STOP CONTACTING ME IMMEDIATELY BUT THEY ARE UNLAWFULLY MISREPRESENTING THEMSELVES ON MY CREDIT REPORTS AS AN ORIGINAL CREDITOR WHEN IN FACT THEY ARE NOT NOR DO I HAVE AN ACCOUNT WITH THEM OR AN OBLIGATION TO PAY THEM.
Product: Debt collection

XXXX XXXX XXXX has sent in a false account with an amount that does not satisfy what the conditions that we left. The lease was up and we paid the last month and vacated immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Not only that, the entire apartment flooded and no one came when we called to resolve the issue. Here comes the date that we move out on XXXX and they state we had to pay XXXX rent. When we left after the XXXX days notice given. How could they request rent for XXXX if we would not be there? Also the dates on my consumer report and what I have on file and what they have on file for the dates we lived there are inaccurate. The complex sold this number to an agency that is placing their own amount that they want.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account ending in XXXX on my credit report has aged out on my credit report by their own website it is 7 years old 5 months old and 14 days last I saw I have disputed several times, as well as spoke with 3 separate agents. It has already been removed by XXXX and XXXX. I feel Equifax is saying it will come off in XXXX of XXXX  but by then it will be 7 years 10 months. I am reaching out to you for help in having this account removed. 

A second account is incorrectly noted on my credit report that account ends with XXXX it states the edge of the account is 4 months and 13 days old, it should be 13 yrs and 4 months Seems credit reports are NOT getting updated correctly. I do not want to remove this account as was paid and in good standings and I do not want this account removed just updated correctly. 

Thank you
Product: Mortgage

we're in the process of listing our home to sell. A realtor noticed that we have a debt on our deed that is about 24k above the amount initially borrowed from BB & T in 2008. Long story short - it shows that the previous loan was never paid off. BB & T ( current mortgage lender ) says that they can't do anything because the records go back longer than 10 years. XXXX can't do anything because we do not know the loan # or have the cancelled check of when the loan was payed off by BB & T in 2008. Both banks keep batting us back and forth. I started to inquire about this in the middle of XX/XX/2008 with BB & T mortgage and still have not received help other than ( we paid the XXXX loan off when you refinanced with us ). XXXX bank has replied that they can not help because the loan was never payed off by BB & T.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX  XXXX XXXX and was closed on XX/XX/XXXX, told banking not done as per banking terms. My account number was XXXX. I recently got my banking credit report from EWS and it stated checking account fraud.. which has really made my life a living XXXX by the BoA as I have not done any unlawful activity and I am a victim for fraud without getting any information from me by the Bank. Bank reported all the outgoing ACH as fraudulent on my report. I contacted the risk management department and no one was able to tell me the details of the transactions as fraud and how come all the transactions from XX/XX/XXXX be fraudulent for approximately three years?? 

Please help me to resolve this matter at the earliest.
Product: Vehicle loan or lease

Hi, As of XXXX. XXXX, XXXX, my auto loan with Ally Auto Finance was paid off. I refinanced the loan with XXXX XXXX and they paid them. 

It has now been a month and a half, and the loan is still being shown as open on my credit report. 

Essentially, my report shows that I have 2 loans. 

I emailed Ally auto last week requesting that they close the loan with the credit bureaus and I received no response and no change in my report.
Product: Checking or savings account

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Money transfer, virtual currency, or money service

Chime closed my account saying I transfers money against their policy and is keeping XXXX dollars of mine I have sent 15 emails and called multiple times to only get the different Answers everytime. They place you in hold transfers you wanted me state issues ID and picture of my social security cardI am not stupid I feel this is a trap. I have been told I would get my refund then only to be told by the next agent I can not have my money I have sent the balance and the account it was transferred from to them. They still refuse to send my refund.
Product: Credit card

I do not recognize this account it is not mine and needs to be removed as my identity has been stolen and this is a result of identity theft I have included a copy of my police report and a copy of an identity theft affidavit.
Product: Credit card

Capital One is reporting a charged off debt that I have wrote them several times with proof that the debt is not mine. I have provided them with copies of my Identification, social security card as requested, I have disputed this inaccurate information with XXXX XXXX XXXX XXXX XXXX times as well and they have refused to correct the information Even though they have collected the full amount of the debt from my son who has a similar name as mine. Whose debt this is in the XXXX place. A fact that I have pointed out to Capital One and all XXXX Credit Reporting Agencies. with no change from either agency or Capital One. Furthermore I have been Denied a credit card because of this false report. I thought that if I provided proof of who I am that Capital could distinguish between father and son given the birth dates, Social Security card and State of Michigan issued ID cards, but the last response I got was a refusal to remove their error from my credit report. I have been struggling to get them to take this information off of my credit report for years now I have had enough from Capital One this is an organization who seems to believe they do n't have to answer to anyone and they can report anything they wish about anyone.
Product: Mortgage

My mortgage payments are due on or before the XXXX of every month. Each monthly statement says " after the XXXX a late fee may occur '' My monthly amount is {$1800.00} I sent use ACH from 2 different banks to may payments of {$920.00} the Total amount of which is XXXX Both payments processed on the XXXX of the month, please see attached yet US Bank still charged me a late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express continues to show a late payment on XX/XX/18 on a closed account which is a direct violation of the FCRA 15 US Code 1666 ( b ) Timing of payments " A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDEQ FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.

Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report.

Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swifly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I purchased two pairs of Sconces from XXXX XXXX XXXX who lives in XXXX. I sent him {$1600.00} ( XXXX Euro ) to his bank account ; XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had sent him money last year about this same time using Monegram without a problem and received my items several week later. To date I have not received the items and the seller does not respond to my emails. I contacted Moneygram with regard to this and requested they contact the seller and refund my money. They have refused to assist me and cancelled my account with Moneygram implying that I was part of a fraud. I explained to them that it appears i am the victim of a possible fraud and scam but they refused to assist me. I have also sent a letter to XXXX XXXX in XXXX XXXX where the money was sent in the hope that they can assist me Attached are documents supporting this claim
Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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

I am in the process of trying to Refinance my home. We noticed on our Credit Report that XXXX XXXX XXXX is reporting my mortgage information to the Credit Bureaus XXXX. 
The same loan number and delinquency dates except one has home listed as a Manufactured Home which is in error and the current listing is correct as a Single Family Home. The error was corrected by XXXX but Equifax and XXXX still show it as Mfg Home and as if I have XXXX mortgages, then all XXXX show it correctly. The XXXX listing on XXXX and Equifax is affecting my credit score and ability to Re Finance as it appears that I had XXXX Mortgages concurrently with same delinquency dates. The Re finance company stated that the Credit Bureaus could not resolve the issue without letter from XXXX, I contacted XXXX and they said it would take 30 business days to research it before they could give an answer or resolve it. This is unacceptable as it was their error to begin with. How come XXXX picked it up and is reporting it correctly along with XXXX and Equifax but XXXX and Equifax still report it in error? Seems XXXX and Credit Bureaus are just pointing fingers at each other. Note : The Credit Bureau report begins on page XXXX of the attached pdf file. Discard pages XXXX - XXXX please.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : nquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( XXXX ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Employers : XXXX XXXX XXXX : XXXX XXXX XXXX Also Known As : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, INC. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate CREDIT BUREAUS ' time to REMOVED some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 XXXX, EQUIFAX and XXXX are required to remove any items listed on an ID THEFT REPORT XXXX. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please remove the followng items Per FCRA 605B ( 15 U.S.C. 1681c-2 ) : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, MI XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; DEPTEDXXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ;