23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX, I filed for a loan modification because of a {$92000.00} loss in revenue I suffered due to a jealous employee. I have made many calls to Amerihome and each of those calls were inconsistent with the previous. This was so alarming that I believed Amerihome was purposely misleading me so as to to take my home. Terrified, I sought the advice of an attorney and was advised to contact HUD and record names, I.D . numbers and dates. Back in XXXX I called in to make a {$5000.00} payment, however, the person I spoke with indicated I couldn't make a payment while in loss mitigation. As well, on XX/XX/XXXX I  spoke with Ms. XXXX # XXXX she told me to send equipment loss documentation as well, she told me because my balance was so high that I probably would not get a modification. On XX/XX/XXXX I spoke with Ms. XXXX # XXXX she confirmed the equipment loss docs had been received. However, when I checked in on XX/XX/XXXX Ms. XXXX # XXXX informed me that my file had been closed on XX/XX/XXXX and they were foreclosing, she also explained that Ms. XXXX should've made me aware of the closing of my file when I spoke with her on XX/XX/XXXX. Ms. XXXX advised that if I met certain criteria, I could have entered into a payment plan that would have allowed me to get back on track without having to go through a modification. In sum, I am very fearful of losing my dream home ... I've provided every document that has been asked of me. Noteworthy, there were serious omissions on part of Amerihome that would've changed the outcome. I had been back and forth with Amerihome for 9 months and was asked to submit the same paperwork over and over. When asked to speak to a supervisor, I was placed on hold for over 45 minutes each time. Amerihome is consistently inconsistent and their unethical and predatory practices are so apparent in all the complaints I have read. I never, ever received a response to my loss mitigation application that I have submitted three times over! It shouldn't take over 9 months to review an application and make a determination. They now tell me that I am in foreclosure after never even trying to offer me a solution or give me any results of my application. This is unfair! I have all of my submitted documents and proof of all of the faxes being submitted. I am extremely stressed and worried about losing our dream home and becoming homeless with my wife and son. I have contacted HUD, XXXX and a lawyer and I do not want to claim bankruptcy over such a nominal amount of money. I XXXX XXXX XXXX and have the means to pay my mortgage now that things are back on track but Amerihome seems to want to take my home and haven't given me the proper service.
Product: Debt collection

I answered a phone call from an unknown number who stated I owed for a {$990.00} purchase in a XXXX credit card. 

Ive never had a XXXX credit card and it doesnt show up on my XXXX  account, or any credit report I run. 

They filed it as fraud then found it to be valid. 

Midland credit management said there was only one purchase in the account and no payment was ever made. 

They are threatening league action.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I placed a {$170.00} online order from XXXX XXXX for a t-shirt and pair of shorts. I paid through PayPal with {$100.00} being charged to my personal credit card, and {$63.00} being charged to my PayPal cash balance. I received tracking information for the items, but when the package arrived on XX/XX/2021 it did not contain the items I ordered, but just a small string. I immediately filed a dispute with PayPal. I requested a full refund, but PayPal claims I typed XXXX instead of XXXX. I received a refund for {$17.00}, and immediately contacted PayPal to correct the mistake. They initially told me they could not reopen the case, but after further investigation they said they could give me a full refund. I did receive the refund for the full amount charged to my credit card ( {$100.00} ), but never received the refund to my PayPal cash balance ( {$63.00} ). I contacted PayPal again and explained that I was still waiting on the {$63.00} refund. The agent told me he saw where the previous agent said I would receive a full refund, but claimed this was an error. I asked to speak to a supervisor, XXXX, who told me the same thing. I requested recordings, transcripts, and notes from my calls to customer support, and asked XXXX to escalate the situation to her superiors.
Product: Debt collection

XXXX XXXX XXXX, is listed on my Transunion report for a debt amount of XXXX. I have never received and documentation about this debt owed. Furthermore, I have no idea what the debt is for, and should be removed immediately to show my true credit identity
Product: Mortgage

I have tried numerous times to apply for a home for me and my kids. Trying to purchase a house thru Quicken was going to be my 3rd attempt. I was skeptical going in, however for the sake of my kids I was willing to try. After I applied for the mortgage, I was conditionally approved pending the documentation needed to get the final approval. All was going well until Quicken needed proof of the down payment. When I supplied the bank statements, the underwriter had declined the documents I supplied because they wanted a document that showed the URL address of the website. I supplied them with the bank statement directly from XXXX  XXXX XXXX. As its the one that gets mailed to my home. They stated that was not good enough. In fact they stated it looked like a document I had created on a word document. I was absolutely appalled. I work in the mortgage industry, and I have never accused a customer blatantly of creating false documents. That is not for me to imply, there is a whole separate team for that, called XXXX. Every financial institution has one. So for an underwriter to make the assumption on his own will, told me they had truly discriminated against me and my family. Was it perhaps my race, the fact I was a single mother, or a woman. Either way, this was totally uncalled for. Even though I knew I was not required to go the extra mile, I was willing to. I offered my logins, screen shots, branch print outs signed by a teller, everything. And it was not good enough. The processor told me on the phone, and the calls are recorded. So if the call is pulled up, you can hear when she tells me my documents looked to be made thru a word document. I have heard in the past that Quicken was a bad company to deal with, however I was willing to give them a chance. But now, I see why people were saying. And mostly minorities who were telling me. Unless your someone else, or make a substantial amount of money, they will treat you different.
Product: Credit reporting or other personal consumer reports

I was told to make this report by XXXX. Between XX/XX/XXXX and XXXX, there were XXXX hard inquiries on my credit report. I did not apply for any new credit. My scores are now going down because of these. 
I need them off my report and I need to figure out how to stop this identity thief. 
I reported with the companies listed and the credit bureaus.
Product: Mortgage

Urgent Please help Complaint against Real Time Resolutions On XX/XX/XXXX We received a letter from Real Time Resolutions. 

Back in XXXX we filed Bankruptcy and we thought this loan had been discharges. This company now come out of nowhere to try and collect a debit and threaten me and my family, that Real Time Resolutions may have the right to invoke a foreclosure based on the terms of the security instrument encumbering our property. The Bankruptcy attorney we used is no longer in practice. On the back of the letter Real Time Resolutions sent, it states under " Washington Residents '' ( We Live in California and they have no amount under this state ) we owe an amount of {$130000.00} that is higher than what they have in the front page which is {$83000.00} and it is a lower amount. We are concerned and stressed out since this is our primary residence. Not sure if this company is legit. 

On the question you asked if we tried to fix the problem I answered yes because I reached out to them to see what we can do. I have also requested proof of ownership of our loan and proof of loan purchased from XXXX via email to. 
XXXX XXXX at XXXX or XXXX Phone : ( XXXX ) XXXX fax : ( XXXX XXXX XXXX
Product: Debt collection

Enhanced Recovery inserted collection on my credit bureau. Per letter sent to me by creditor a verification of debt was requested promptly on XX/XX/XXXX ( attached ). A letter to all XXXX credit bureaus was sent on XX/XX/XXXX. No response from Enhanced Recovery has been received as of XX/XX/XXXX. A call to creditor on XX/XX/XXXX acknowledges receipt of letter dated XX/XX/XXXX for verification. They also acknowledge they can not verify accuracy of debt or date of XXXX delinquency. Per my records, this account was paid in full to the original creditor and the account was closed prior to XX/XX/XXXX. Per the Fair Debt Reporting Act, any debt reporting needs to be accurately reported and a verification of debt is required if requested by consumer. Furthermore, any debt with XXXX date of XXXX delinquency over 7.5 yrs from the original debtor can not be reported to the CRA 's.
Product: Vehicle loan or lease

I was looking at my consumer report and notice a few things wasnt in accordance with federal laws I seen that XXXX employees XXXX XXXX opened XX/XX/XXXX amount XXXX but the federal law states the social security number belongs to the XXXX and anything purchased with that identifier number is in obligation of the United States USC 8 means that anyone attempting to collect a debt from me is guilty under the false claims act [ FCA ] 31 U.S.C 3729 I also was required to put money down for the transaction title 31 USC sec 3123 all debts are United States Obligations and there is plenty more laws made by Congress that protect me as the consumer 42 USC 408 states asking for social security number on any credit transactions or loans is against the law because there is no lawful money and it is a crime.12 USC 1431 banks cant loan money because theyre the borrowers. UUC 3-104 tell us how to use a negotiable instrument,31 USC 5118. 1681 2a they arent supposed to report transactions 15 USC 1602 I am the original creditor. 15 USC 1605 finance charge shall be the sum of all charges, if it isnt its a violation and these other laws should be looked into 15 USC 1635, 15 USC 1662,12CFR s 202,15 USC 1602g USC 8, 12 USC 95a , 18 USC 894 is a federal statute that prohibits the use of extortionate means to collect or attempt to collect credit extensions, or to punish nonrepayment. The statute is part of Title 18, Chapter 42 of the U.S. Code, which covers crimes and criminal procedure. These persons have violated my federally protected rights. Banks have been committing fraud since 1933 knowingly and willingly deceives the American people for financial gain every loan agreement I sign is actually a payable instrument used to pay for the service/ product so in fact its actually an exchange and not a loan in an exchange you are trading things of equal value by using my social security number.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In XXXX of XXXX, I signed for a 3 year lease with XXXX XXXX XXXX in XXXX XXXX for a XXXX XXXX. My lease payment was through the roof due to interest, which is understandable. Fast forward 2 years, I wanted out of my lease but I signed for 3. I was able to turn in my lease early and got into another lease through XXXX XX/XX/XXXX. I personally returned my lease to XXXX XXXX XXXX in XXXX XXXX, signed early lease termination papers. Nobody checked my car for dings or dents, interior, wear and tear, nothing. This is the first red flag I should have taken into consideration. Im unsure of where my XXXX XXXX went after dropping it off in XXXX XXXX but its thankfully out of my hands now but what if something happens after releasing it back to XXXX. I have no proof of the excellent condition I returned the car. On XX/XX/XXXX, there was a withdraw transaction to my bank account of {$380.00} from XXXX, which was my car payment. Ive been out of this lease now for one month, why are they charging me another lease payment? I called customer service and spoke to XXXX. Not only was she rude and impatient with me, she told me they are unable to release the payment of {$380.00} back to me and the only way they would release that chunk of money back to me would be if there is no exterior/interior damage after the inspection of the vehicle is done, which takes up to 90 days. I am no longer a customer of XXXX, why do they even still have my bank account information on file? XXXX told me it is my responsibility to stop payments from withdrawing. I asked to speak to someone else a little more understanding, she transfer me to XXXX the supervisor. XXXX told me he can not issue me a refund. The only way they will release the {$380.00} back to me is if I dont owe XXXX any money for exterior/interior which will take up 90 days. I am completely unaware of any damage to the vehicle so there is nothing they should be charging me for so the money should be released back to me and they should have done a walk through of the vehicle with me. I will not pay for damages Im unaware of. Im not a customer of them anymore! I contacted my bank because its technically an unauthorized transaction being I did not authorize for them to continue to pull money from my bank account after not having the car for one month.
Product: Credit reporting, credit repair services, or other personal consumer reports

One main-XXXX-hard inquiry that I never did myself
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that the following companies are reporting addresses that are not mine, I have provided a copy of my Drivers license, and these Banks have Account charged my account without sending me a 1099C Under Section 166 of the Internal Revenue Code, All debts or Accounts are charged off. Must send the consumer a 1099C which I have not received from this bank. XXXX XXXX XXXX CAPITAL ONEXXXX XXXX XXXX XXXX are bank ( as defined in 1.166-2 ( d ) ( 4 ) ( i ) of the Income Tax Regulations ) and is subject to supervision by Federal authoritiesXXXX XXXX XXXX XXXX CAPITAL ONEXXXX XXXX XXXXXXXX has elected under 1.166-2 ( d ) ( 3 ) to use the conformity method of accounting to determine when debts owed to XXXX XXXX XXXX XXXX CAPITAL ONEXXXX XXXX XXXX  become worthless bad debts. 
15 U.S. Code 1681b - ( a ) ( 1 ) ( 2 ) Permissible purposes of consumer reports 15 U.S. Code 1681a - ( 2 ) ( A ) ( i ) 15 U.S. Code 1681a - ( 2 ) ( B ) 15 U.S. Code 1681e - ( b )
Product: Credit card

Capital One sent me a fraud prevention email on XX/XX/2024. I called in and questioned the validity of the request and received an unruly, hostile, and XXXX human being. She threatened me over the phone and actually stated she was " warning '' me. These representatives from Capital One are not properly fit to be speaking on behalf of a bank because they are not professional. I also have a hard time understanding them. Capital One, despite my numerous payments, has been wasting my time by trying to get me to speak to people who are difficult to speak with in order to validate my private information in a XXXX outside of the XXXX they operate in. I want representation within the United States for this bank only. If the Bank decides to close the account, they are doing so because they are discriminating against me. I'm appalled at the terrible service Capital One has all because they want to try and save money by hiring people who are not in a position to be handling financial matters over the phone. 

The third representative couldn't even call the correct phone number for my financial institution to get them to verify the account. These are the individuals that Capital One hires. I have zero confidence that they are protecting the people using their cards. 

The 1st Representative I spoke with on XX/XX/2024 hung up on me while threatening me twice. This individual needs to be fired. 

All payments were validated and the account information was validated to be mine. I don't feel comfortable with XXXX XXXXXXXX handling my personal information and that is a National Security Risk.
Product: Credit reporting or other personal consumer reports

During my prior incarceration I became a victim of identity theft due to the XXXX data breach of XXXX. Numerous accounts and applications were submitted without my knowledge or consent while I was in federal prison. After my release I received my settlement payment from XXXX for the breach. XXXX also removed all of the debts from my XXXX credit report and gave me further instructions to help guide me to credit recovery with the other credit agencies and furnishers. However I have not been so lucky with transunion and experian or the credit furnishers thus far. These debts not only remain in violation of the FCRA but also in violation of IRS codes and regulations. Aside of the debts being fraudulent and still remaining on my report I've also been made aware they are ( charge off profit loss debts ) meaning these credit furnishers received compensation from the irs and did not provide me with a 1099c. To be more specific, these credit furnishers include XXXX  XXXX XXXX {$16000.00}, XXXX XXXX XXXX  {$6000.00}, XXXX XXXX XXXX  {$85000.00}, XXXX XXXX XXXX  {$28000.00}, XXXX XXXX  {$12000.00}, etc
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report and there is inaccurate information in the details, accounts that was discharge listed that have been reported are not accurate the is a bankruptcy that is not accurate on my file. I have the release documentation for all the Liens listed on my credit report. 1. Lien # XXXX 2. Lien #  XXXX 3. Lien # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Title 15USC 1611 XXXXXXXX XXXX  did deny me credit with my Social Security Number used in Application Process in this Consumer transaction discriminating against my unlimited full faith and credit.
Product: Debt collection

I received a letter from a law firm saying that the credit card company is trying to take federal exemption money and my bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXXXXXX Balance : {$3800.00} US DEPT ED XXXX Balance : {$540.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance : {$4900.00} US DEPT ED XXXX Balance : {$3100.00} US DEPT ED XXXX Balance : {$2300.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance : {$4900.00} US DEPT ED XXXX Balance : {$6000.00} US DEPT ED XXXX Balance : {$5000.00} XXXX XX/XX/XXXX.
Product: Student loan

A long standing spousal consolidation was secured by AES in the early XXXXXXXX XXXX The marriage has ended, and payments have been made over the years. 

We tried to convert the AES Spousal consolidation to Department of Ed Direct Loans. This was denied based on the type of loan. 

Because the loans are not Federal, this website is one of the only ways to address the spousal consolidation, but more importantly qualify for student loan forgiveness.
Product: Debt collection

The company Creadance Resource Management has reported a collections account on my credit report as of XX/XX/2023 for {$190.00}, and having listed XXXX and the original creditor. 

I have contacted XXXX as we as their collections department, and verified that they do not and have not had my information associated with any account. 

I have verified that they many other people have reported this same occurrence from this company. Although they are listed at an address in XXXX Texas ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) phone calls to them have been redirected to XXXX. 

I believe Creadance resource management is a fraud group, and would like this investigated. I will attach screenshots of reviews from other victims of this organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

please be advised that a copy of this letter has also been sent via certified mail. the equifax, and XXXX credit reporting agency both continues to be dishonest in its investigation of this chapter XXXX & chapter XXXX bankruptcy being reported under my name, it was confirmed that the company XXXX was the supplier of this invalid account being reported, but they could not validate these bankruptcies with XXXX and therefore XXXX deleted the items, however equifax and XXXX continue to say that this company is their supplier of this invalid info.I hav never lived at the address this bankruptcy was filed under, so I called them to request that I have this validated and they stated that they have not validated this debt with equifax, XXXX, furthermore I went to the federal bankruptcy courts ( letter attached ) to attempt to gain any information being reported and they gave me an official statement that they do not furnish information to anyone or any credit reporting agencies. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ). please provide me with the courthouse name, address, phone number of who verified this debt