23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Select Portfolio Services denied My legitimate Hardship request and will not provide a reason why I cant be put back on my original repayment plan.
Product: Mortgage

our original mortgage was through XXXX XXXX my wife got a XXXX  injury and was on XXXX for XXXX months they gave us a furlough and when we started paying our regular amount again to XXXX XXXX they made us a deal to take our mortgage higher and XXXX all the back fees into it they gave us a letter in XXXX to prove it we have it at the house then we found out in XXXX they were transferring fay mortgage and Faye is still asking for XXXX months of mortgage at XXXX but XXXX XXXX already upped our mortgage to XXXX it included all the late payments to XXXX keeps asking for like XXXX more
Product: Credit reporting or other personal consumer reports

Despite consistently timely payments being made, the balance is consistently being reported incorrectly, with a delay of over a month. 

As responsible and diligent customers, we pay credit card bills on time and never late with payments. However, the inaccurate reporting of the account balance has a negative impact on our XXXX XXXX and overall financial reputation in real time for more XXXX days. In that space of time, it makes the difference in the XXXX XXXX you have and as a result the interest rate youre paying. This discrepancy is causing me great concern and frustration, as it does not accurately and currently reflect my financial standing. However, when you do not pay the negative reporting appears on the XXXX day! 

I kindly request that both Navy Federal Credit Union and XXXX investigate this matter thoroughly and rectify the reporting error as soon as possible. It is crucial for the accurate reporting of my credit card balance to be reflected on my credit history, as it directly affects my ability to access loans and other financial opportunities. 

I understand that errors can occur, but the consistent reporting of my credit card balance as more than a month behind is highly concerning. I trust that both organizations value their customers and take their concerns seriously. Therefore, I kindly request your immediate attention to resolve this matter and ensure the accurate reporting of my credit card balance moving forward. 

Please provide me with a written confirmation once the issue has been resolved. Additionally, I would appreciate any information regarding steps taken to prevent such reporting errors from occurring in the future. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution and maintaining a positive relationship with both Navy Federal Credit Union and XXXX.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft in 2023. Criminal chargers we filed agains individual who stoled my identity. Currently having issues with Transunion.com with removing credit inquiries of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXXXXXX and XXXX XXXX XXXX.
Product: Vehicle loan or lease

This is a case of elder financial exploitation. On XX/XX/XXXX, a loan was opened in the amount of {$13000.00} for a XXXX XXXX XXXX vehicle with a XXXX XXXX XXXX value of under {$5000.00}. It is in non-excellent condition, so the value of this car is likely closer to $ XXXX or $ XXXX. The victim is XXXX XXXX XXXX and was unaware of how much the loan amount was, and dutifully paid the monthly installments on time and in full, without understanding the terms of the contract. This loan should never have been authorized. How does it make sense to allow a customer to borrow over $ XXXX for a vehicle that's hardly 25 % of the value? To pay down the loan in full by XX/XX/XXXX, it would cost the victim a total of {$27000.00} for a < $ XXXX car. This is clear predatory lending to a vulnerable customer.
Product: Credit card

I paid down my XXXX XXXX credit card to {$18.00} and change. I also paid off a lot of debt lowering my debt to income ratio and my credit score increased. 
XXXX just lowered my credit limit from {$1900.00} to {$100.00} This lowered my overall credit score when I am working in increasing it.

This has affected my score and doesnt make any sense with my balance on their card being so low.

I now have a zero balance and a credit limit of {$100.00} I have been a XXXX XXXX  holder for years and never have been late with payments
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these Inaccurate accounts has violated my rights and therefore must be removed from my credit report : 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 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 
15 U.S.C. 1681 623 " Responsibilities of furnishers of information to consumer reporting agencies. 
I submitted a report from the Federal Trade Commission in regards to the Identity Theft that took place with regards to my credit. The Bureaus and furnishers have been contacted and have not corrected the fraudulent accounts showing in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing the validity of this account for a while. XXXX sent the account to another collection agency Valentine & Kebartas , LLC. I sent the response back to have valentine & kebartas validate the account, however XXXX replies instead. I also received correspondence from the original creditor and realized the information provided never matched with XXXX
Product: Credit reporting or other personal consumer reports

Please remove unauthorized inquiries. 

EXPERIAN : 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 XXXXXX/XX/XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Cited : XXXX XXXX
Product: Credit card

I am a victim of identity theft. When I discovered this theft I filed a police report and investigated my various credit reports. Upon review, I found an account at TD Bank / Nordstrom that was not opened by me or with my knowledge or consent. I disputed this account directly with the credit bureaus and it was removed from my report, however, about a month later it returned to my credit report and I was told that the creditor suggested that this account was mine and to have it remain on my file. This is not the case. I understand that payments were made on this card but these payments were not made by me. It is my understanding that this card was opened online and sent to an address that was deemed fraudulent. Police report is attached here.
Product: Debt collection

I am unsatisfied with the program results and wished to cancel out of the program and revive my escrow refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Remove Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 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. 1666B : A creditor may not treat a payment on a credit card account under an open plan as late for any purpose.
Product: Debt collection

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked. 

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 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
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We are trying to get our mortgage modified but they want money up front. My mortgage has been bought and sold so many times, I'm not sure who holds the note. I am disabled, I put {$100000.00} down on my home. Now they tell me my home is worth {$80000.00} less. I need help. I want to keep my home, we have been here 20 years. Just a payment to fit my ssdi. They do a modification, bam my payment goes up. No help, should I sue these companies? 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$8300.00} XXXX XXXX {$84.00} XXXXXXXXC XXXX {$0.00}
Product: Credit card

My XXXX Rewards card issued by Citi Bank was recently acquired/transferred to XXXX Bank. My final payment to Citi Bank was never credited to my account after transfer ( although I have proof that Citi Bank cashed my check ). The customer service line for my Citi Bank XXXX account automatically forwards to XXXX Bank, the new owners of my account ( who can do nothing about my situation -- it is a Citi Bank issue ). Trying to speak with anyone at Citi Bank results in hours of wasted conversation and transfers -- no one can pull up my account in their systems -- it is like my account with them never existed! Citi Bank should have returned my check instead of cashing it OR forward it to XXXX Bank for credit against my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a new and I was denied. I ask to speak with the finance manager and he  went over my report with me. Its several things on there that are not mine. Please remove from my credit so I can get a car to get to and from work. Here is the accounts : 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. 

I dont know if you can help with my these address I know nothing about. 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX  XXXX  3.XXXX XXXX XXXX 4. XXXX XXXX XXXX 5.XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ; XXXX ; XXXX others Date : XX/XX/XXXX EXPERIAN CREDIT BUREAU XXXX XXXX Department From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX Last XXXX Digits Of Social Security Number : XXXX Phone number : XXXX Dear Dispute Department, I am writing to dispute some information on my EXPERIAN credit report. The following are the details of my dispute : Dispute XXXX : Account Information : Account name : XXXX Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, DE XXXX Account number : XXXX This account and balance do not belong to me. I have already sent numerous disputes, an identity theft affidavit, a fraud report, and a police report regarding this urgent issue, but it has not been corrected yet. 

Dispute XXXX : XXXX XXXX XXXX Bank Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX These accounts and balances do not belong to me either. This is a case of identity theft/fraud, and I have already submitted all the necessary documents to rectify this issue multiple times. The balance listed on this account is incorrect and needs to be corrected. I have already reported this account as a result of identity theft. 

Thank you for taking the time to look into this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX ; XXXX others Sun XX/XX/XXXX XXXX PM Reply Reply all Forward SC XXXX XXXX Tue XX/XX/XXXX XXXX XXXX ( No message text ) SC XXXX XXXX Thu XX/XX/XXXX XXXX XXXX ( No message text ) SC Your Inquiry to XXXX  D XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You Mon XX/XX/XXXX XXXX PM Thank you. I look forward to hearing from you. 
Thank you. I appreciate your help. 
I look forward to your response. 

XXXX XXXX SERVICES XXXX XXXX XXXX XXXX, DE XXXX Re : Account Ending in XXXX Dear XXXX XXXX, Thank you for your email correspondence addressed to the XXXX XXXX XXXX XXXX XXXX and leadership members at XXXX. To ensure your concerns are adequately addressed, your email has been forwarded to my attention within the XXXX XXXX XXXX XXXX XXXX at XXXX. 



After our investigation, we have determined that this account and balance do not belong to you. You were a victim of the XXXX XXXX data XXXX and this is an account established due to that data breach. We will send the request to the XXXX major credit bureaus to delete this record. 



If you have any questions or would like to provide additional information, please feel free to contact me at ( XXXX ) XXXX. I am typically available Monday through Friday, XXXX a.m. to XXXX p.m. ( ET ). 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Saturday XXXXSerious and major complaint. Previous complaints addressed harassing phone calls. You stated that no more phone calls. I was awaken at XXXX Hawaii Standard Time by a phone call from your representative. Message from Representative XXXX XXXX, to call her at XXXX XXXX. 
Please answer the following questions to include unresponsive answers to previous complaints. 
1-Is this a harassing phone call. Simply answer Yes or No and what is going to be done to stop harassing phone calls. What is the violation and civil penalty if this occurs again? 
2-You all keep changing enterprise representatives on me. Please respond with name of representative to contact by email. Your phone calls are not resolving our issues and my complaints. I previously ask for email address for Representative XXXX XXXX to resolve our issues and complaints. You all have be non-compliant. Please email me his email address. If not, please explain why I can not get his email address to resolve all issues and complaints. 
3-I ask for the mailing address to mail XXXX form to receive {$500.00} signing incentive for partial claim. Please respond with mailing address to include attention what department. 
What if any is the money incentive to re-sign modification documents? Yes or No. If so how much? 
4-You responded that I am not required to re-sign loan modification documents. You also stated that my modification terms will still remain in effect. You further stated by not re-signing loan modification, it may cause difficulties in the future if I attempt to modify, refinance or the sell the property. 
Please be specific, not general terms as stated above, what difficulties I am going to encounter if I attempt to modify, refinance or sell the property. Please explain fully. 
5-You mentioned previously about recordation of modification. My questions to this still have not been answered. Where is modification recorded at. Name of agency where recordation is being done. Exactly what is being recorded? Who is doing recordation? Phone number to call to check on recordation. 
6-If you all address and answer my questions and concerns, then we can finally resolve all issues. It is up to you all to finally resolve all issues. Simply answer my questions and concernsThank you-XXXX XXXX
Product: Prepaid card

I purchased a XXXX  gift card via US Bank at my local XXXX XXXX grocery store on XX/XX/XXXX in the amount of {$400.00} to use on a trip to XXXX XXXX XXXX that our family was taking after XXXX. Fast forward to XX/XX/XXXX when we went to use said gift card at a restaurant in XXXX and it was declined. We called the customer service number on the back of the card and were told that the card was registered in someone else 's name and that the funds had been drained soon after we had purchased the card. We were told to fax our proof of purchase, along with my driver 's license and a photo of the front and back of the gift card and once said items were received that a new gift card would be sent to the address on the drivers license. We faxed to US Bank on XX/XX/XXXX, I called back numerous times over the following weeks to confirm receipt of said documents, after being told to keep checking back several different time frames they asked me to fax over again, I verified the number was indeed correct ( it was ) and resent all requested items on XX/XX/XXXX and started the calling in process all over again. I am now being told to fax the documents a XXXX time as they claim to not have them. It is apparent to me that I am getting the run around and US Bank has no intention of replacing my gift card despite what we were originally told. We have followed all steps from this fraudulent company to receive reimbursement of the stolen funds but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, This is in regards to inquiries made on my account. I recently accessed my credit report and found inquiries on there that I did not request or authorize, These inquiries are hurting my credit score and I would like to have them removed from my account. I contacted Transunion and XXXX, however, they said they are unable to help me in this regards. I tried getting in touch with the vendors who did the inquiry on my account and they were unable to assist me or provide proof of me requesting credit and they were unable to provide any details. 

Here are the inquiries made to my account that I wish to have removed : 1 ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2 ) XXXX Inquiry from XX/XX/XXXX 3 ) XXXX/XXXX Inquiry from XX/XX/XXXX 4 ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX 5 ) XXXX/XXXX Inquiry from XX/XX/XXXX Please remove these unauthorized inquiries from my report. 

Best Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Account : XXXX XXXX Balance {$260.00} Inquiry : XXXX Inquiry XXXX XX/XX/2020 XXXX
Product: Debt collection

Please read and see attached document. 
Original creditor reporting on my report as 0 . New creditor listed LVNV funding LLC which is RESURGENT CAPITAL LLC listed on my collections as balance of {$1400.00}. Contacted LVNV for debt validation. They never sent me a letter until it appeared on my credit report. I have attached copy of letter I sent to them back on XXXX of 2019 and have yet to receive a response. I have called them numerous times and can not validate debt. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer report. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, XXXX XXXX  XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. Please remove.