23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying to get a mortgage modification for several months and keep getting my modification packet sent back to refile a new one for amazing inept reasons here is a time line for the last 3 XX/XX/XXXX Full application for loan modification emailed to PNC 's attorneys XX/XX/XXXX Additional supporting documentation emailed to PNC 's attorneys as requested XX/XX/XXXX Letter of Explanation regarding tax returns emailed to PNC 's attorneys as requested XX/XX/XXXX Updated documentation as requested emailed to PNC 's attorneys XX/XX/XXXX Advised of removal from PNC Loss Mitigation  Program due to requested documentation not received ; however, the materials scanned and emailed on XX/XX/XXXX were exactly as requested and sent in the time frame requested. 
XX/XX/XXXX Advised that a complete new application package must be submitted before PNC would continue the review. 
XX/XX/XXXX Another full application for loan modification emailed to PNC 's attorneys XX/XX/XXXX As requested, faxed 3 months of XXXX XXXX statements with page 4 of 4 unmarked and blank as received to prove that the statements were complete. 
XX/XX/XXXX As requested, we again faxed the XXXX XXXX statements ; PNC will not accept the fact that the 4th page is blank. 
XX/XX/XXXX With continued commentary about the XXXX XXXX statements from PNC, we mailed the original statements to PNC Bank Loss Mitigation to prove that page 4 of 4 is blank. 
the sheriff sale for my home is XX/XX/XXXX 13 days from now please help me save my home ... regards XXXX and XXXX XXXX
Product: Debt collection

This debt is not mines. The debt is a utility company in Texas. I live in XXXX and I have a whole bunch of energy companies that is using my social security number. I believe that all these energy companies are the same people. I am not sure how a company is using my social security number for energy services in Texas. I have contacted a few of the companies and only one would take it off of my credit report. The others are giving me a hard time. They asked me to send them a copy of my ID and social security card which does not sound right to me. I am XXXX years old and I have not traveled to Texas or any where to that matter. I filed a police report and put a freeze on my credit report. I will attach the police report and other information I have to show that these companies are in Texas. I am a victim of identity theft. I will also attach my XXXX bill to show that I live in XXXX and I pay my XXXX bill on time every month.
Product: Debt collection

Was in the process of looking for housing and did not even know there was a judgement on the account. I only found out because I wanted to get pre-approved and the mortgage loan officer informed me. If I had not run the credit report, I never would have known there were XXXX judgments with a substantial amount of debt on them. In this complaint, I will be addressing XXXX bank, Citibank. 

Citibank cost me and my family greatly since we were unable to secure the desired housing we sought after. Not only that, My wife ( XXXX ) XXXX at the time and myself lost XXXX of dollars because we were unable to afford proper housing due to the recent judgment. When making several attempts [ to correct the issue ] with the associated debt collectors, no one helped, As a matter of fact, on various occasions, my wife was yelled at and hung up on when trying to communicate by phone. 

I can not spend hours on the phone trying to convince someone to let me speak about an account that they did not even want to discuss with me. They told me they could not help me unless we could confirm information on the account. Well, why place something as significant as a judgment on someone 's account if you wo n't take the extra step to confirm social security numbers and birth dates? 

Before a creditor of any sort and especially one such as Citibank should not report anything to the credit bureaus unless there are proper actions taken to confirm one 's identity associated with the account that is being reported. 

I did not receive any letter of the accounts. I did not receive any letters or phone calls asking to confirm the information reported. Not one person out of thousands of workers for Citibank contacted us. And when I had to take time out of my working day to try to contact someone, I was faced with an uphill battle dealing with rude and incompetent workers. The management team was just as bad as their lower level workers. 

It has been over a year ( originally found on report XXXX/XXXX/15 ) and the judgment is still there and no one has even tried to call or anything. There has been nothing done about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about the three credit bureaus : XXXX, Experian, XXXX The three bureaus do not have good communication with each other like they used to. 
In summary, I made a fraud alert at Experian, but they failed to communicate this to the other two credit bureaus like they used to do. 

On XX/XX/2022 I called Experian ( XXXX ) to make a fraud alert via automated voice system. 
The system gave me confirmation # XXXX and said they will notify the other two credit bureaus and send a letter of confirmation. 
I did receive a letter ( postcard ) from Experian about 10 days later as expected. 

However I did not receive a letter of confirmation from the other two credit bureaus. That is the problem. 
On XX/XX/2022, I called the other two bureaus and made fraud alerts via automated systems. 
Both systems let me the make fraud alerts, and did not say anything about existing fraud alerts. This confirms the problem. 

Would you please investigate and take action. 
Specifically, I would like you to require the three credit bureaus to place fraud alerts and send letters of confirmation within a reasonable time frame, no matter which bureau I make the fraud alert with. 

I always use their voice automated systems ; not sure I trust their websies No American should fall victim to fraud due to the credit bureaus shoddy work. 
I take great pride having exacting standards of my personal finance.

I am asking you to hold these three credit bureaus to the same standards
Product: Mortgage

A payment was sent to Bank of America XX/XX/2019 from a XXXX foundation to cover my mortgage payments for XX/XX/XXXXXX/XX/XXXXand XX/XX/XXXXfor XXXX. I am out of work and they are helping me make my payments as I am not receiving any income while out of work.They applied {$520.00} to XX/XX/XXXXand XX/XX/XXXXpayment and the remainder to principle. Someone from their collections department told me to call once they received the check to make sure they apply the payments as advised. I saw the payment was not applied correctly and sent email to fix and they advised that they can only make one payment in advance after someone in their collections department has already said it would not be a problem. I am a cross country with my sick  daughter staying in XXXX XXXX House I did what they told me to do and now they will not honor my request and I do not have the time to keep going back and forward with them. Im trying to make sure they get paid and they are making it hard for me.
Product: Credit reporting or other personal consumer reports

I am writing to request the correction of inaccurate information appearing on my credit report. Upon reviewing my credit report, I noticed that this account is inaccurately marked, causing potential harm to my credit profile. After contacting the company associated with this account, I was informed that the issue stemmed from a miscommunication on their part. Specifically : Statements for this account were sent to the wrong address, which caused delays in communication and confusion about the account status. 
The company has acknowledged their mistake and assured me that the address error has been corrected in their system. 
They also confirmed that the account should accurately reflect as open or closed/never late based on its payment history and status. 
I request that XXXX update my credit report to reflect the accurate status of this account in line with the companys confirmation. This correction should include : Removal of any late payment records erroneously reported. 
Updating the account to show the appropriate status of open or closed/never late, as agreed upon by the company. 
Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you investigate this matter and make the necessary corrections within the statutory time frame. 

XXXX XXXX
Product: Checking or savings account

I ordered a new card this year after receiving a new card with same numbers my info was somehow stolen some one has been using my card info to make transactions and withdrawals since XXXX of this year and the credit company told me I can only file up to the date of XX/XX/XXXX or this company only accepted one transaction out of multiple transactions and withdrawals that I could only report before XX/XX/XXXX. I heard that if fraud is reported there shouldnt be a time frame on what I can and not report. This company denied me XXXX times when clearly both withdraws I am on the the other side of town and XXXX of them was at XXXX am the other I was at XXXX and the withdrawal was across the city. Also I have more withdrawals and transactions to report but they gave me a time period on what I can report
Product: Credit reporting, credit repair services, or other personal consumer reports

This Consumer Note 3rd official call for you to discontinue reporting of the items below-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( s ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, per CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 

I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have reviewed the above listed items on my credit file and noticed that they are not even METRO 2 COMPLIANT WITH THE STANDARDS FOR FURNISHING DATE TO A CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Incorrect Charge-Off Reporting Account Number : [ 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  - Extra Dear Sir/Madam, I am writing to formally dispute the charge-off reported on my credit report for the account listed above. According to the information I have received, this account has been inaccurately reported as a charge-off, which I believe is not correct. 
As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request that any inaccuracies or incomplete information on my credit report be corrected or removed. The charge-off reported does not accurately reflect the status of the account, and I believe it was either reported in error or is based on outdated information. 
I respectfully request that you investigate this matter under the guidelines set forth in the FCRA and remove the inaccurate charge-off from my credit report. Please take the following steps to resolve the issue : 1. Verification of the Charge-Off : Please confirm with the creditor or debt collector that the account was actually charged off, and provide documentation that proves this status.

2. Provide Evidence : If the account was reported incorrectly, kindly provide a copy of the documentation that shows the charge-off was inaccurate or mistaken. 
XXXX. Removal or Correction : If it is found that the charge-off is inaccurate, I request that the incorrect information be removed immediately from my credit report, as it is adversely affecting my credit score. 
If you are unable to verify the accuracy of the charge-off or provide appropriate documentation, I ask that the entry be deleted from my credit report entirely. Please ensure that the necessary corrections are made promptly in compliance with the FCRA guidelines, specifically Section 611, which mandates that disputes must be resolved within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple Hard credit inquiries for the same credit check on the account. 

XXXX XXXX was never given permission to pull hard credit but they did I called the bank they have denied to take out from Credit report. 

Please help me fix the issues currently my score is XXXX but my goal is to take it to XXXX I have been working hard to get there but some of the company hurts people like me to reach my goal. Please help me Thanks
Product: Credit card

My Brooks credit card changed banks, I continued to submit payments in my usual fashion. I began receiving calls from CITI, saying my account was past due and demanding payment. When I was able to contact CITI, I was told I should contact the bank I had been making my card payments to since 1999. The payments were made through my bank 's bill pay system. I discarded my old Brooks card when the new card came in the mail. How can I retrieve the sent payments and rescind the late fee charged by CITI?
Product: Credit reporting or other personal consumer reports

Thank you for taking steps to address the incorrect entries in my credit report arising from supposed fraudulent actions. However, there are still entries that require removal. This is an additional report where I find myself affected by fraud, and I am challenging specific entries in my report that are due to this criminal act. The entries I challenge are not connected to any transactions involving the acquisition of goods, services, or money that I have conducted or authorized. Kindly eliminate any entries in my credit record that stem from supposed fraudulent actions : XXXX : XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX Date opened : XXXX XXXX, XXXX XXXX Balance : {$230.00} XXXX, XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3600.00} -- -- -- -- -- -- EQUIFAX : XXXXXXXX XXXX Date opened XXXX XXXX XXXX, XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX XXXX Balance : {$520.00} XXXX Date opened : XXXX XXXX, XXXX XXXX Balance : {$230.00}. These entries are unfamiliar to me. Additionally, the information on some entries, already expunged by other bureaus, raises concerns about their accuracy, and the reported payment history on some is unclear to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I live off a monthly benefit check which is directly deposited in my Wells Fargo checking a count. I have been a customer since XXXX. Apparently. Wells Fargo gave me a temporary credit due to having a negative balance prior to receiving the XXXX  tax credit. Yesterday, the bank reversed the temporary credit in the amount of XXXX which is more than my monthly benefit check, leaving my account in the negative {$300.00} and no money to pay utilities, for gas, groceries, to pay car payment or live on. I do not have food to eat or gas to even leave my driveway. I can not survive, already have XXXX and struggling.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Social Security Number : XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Accounts Below XXXX - XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX  USA Open date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Open date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Open date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Open date : XX/XX/XXXX Dear, XXXX, XXXX, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Republic Finance has called 26 times between XX/XX/XXXX, and today, XX/XX/XXXX, sometimes 2-3 times per day. I have contacted their attorney and have been paying monthly as requested, but they keep calling me anyway. I told their representative XXXX today I am communicating with Republic 's legal counsel and current status of payments, and their incessant calling is harassment, and I requested they stop calling me. XXXX responded that Republic will stop calling me. I will continue to monitor to see that they will stop.
Product: Credit reporting or other personal consumer reports

I feel XXXX, XXXX and Equifax illegally obtained my public records without my authorization and illegally purchased a XXXX  XXXX bankruptcy bearing my name and all the adversed accounts included in that XXXX XXXX from XXXX. I have consistently asked for them to delete all the unauthorized and unsubstantiated items from my credit report because those items aren't on my XXXX database. I have proof stating that XXXX and Equifax get public records from XXXX. Which therefore holds XXXX and XXXX Equifax responsible for illegally selling/buying public records bearing my name and for deletion of all adversed accounts that were listed in the XXXX  XXXX bankruptcy from all 3 of my credit reports. All by the LAW Must be Deleted from my credit reports Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've attached the updated evidence that clearly specify how XXXX Equifax obtains my public records. However recently that put that they retrieved them from XXXXXXXX XXXX bankruptcy Clerk but that has been disproven. 

ATTACHMENTS
Product: Checking or savings account

In XXXX I opened and account with Bank of America, from the get go I encountered problems, I didnt receive the debit card they sent me I called they said they cancelled that card and will Send me another, when I got that card I went to buy something at store the card was declined, I went to a atm and it went through, I pulled half of my balance from the {$150.00} I had in there and that was the only time I used that card, i tried to log in online to my account the app kept refusing my password I tried resetting my password it didnt work I called and the said it was reset but when I tried logging in again it kept rejecting me so I jus gave up on the account because its not my main account I jus wanted so privately save in it, I rearranged my room and thought I misplaced the card thinking I would eventually find it, but I came to realize I actually lost the card because I got a letter from the bank saying a checks were put into my account and was withdrawn in net jerseys now I have never been to New Jersey and they now saying one of the checks I need to pay back because the person did not authorize that check I called several times and spent several hours on the phone with the bank trying to sort this out the said the did an investigation and they Sen me photos and times of the withdrawals which none of the people in those pictures are me nor do I know anyone in those pictures I called again and spoke to their fraud checks department and the agent I spoke to told me I have nth to worry about because they would pay back the XXXX person from a check that was on hold in my account that I again knew nth about, now I got a next letter stating my account have been charged off and I will be reported to the check system and XXXX cant open another bank account anyway and thats jus crazy and wrong because I dont know about any of those transactions and withdrawals, obviously someone used my account to do their shady transactions, now they want me to pay for it, and I dont know anything about these Transactions, I need my name to be cleared from this I would deeply appreciate it, thank u.
Product: Credit reporting or other personal consumer reports

SOMEONE OPENED XXXX XXXX FRAUDULENTLY IN MY NAME. I HAVE SUBMITTED AN FTC REPORT AND A LETTER FROM XXXX XXXX STATING THE ACCOUNT SHOULD BE REMOVED OFF OF MY CREDIT REPORT. XXXX, EQUIFAX AND XXXX SHOULD REMOVE THESE 4 ACCOUNTS OFF OF MY CREDIT. REFER TO THE FTC FOR ALL VARIATIONS OF THE ACCOUNTS.