23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To whom it may concern, THANK YOU for taking the time to read this. I appreciate you. You're awesome. You're probably the coolest, nicest, hardest working, and best looking representative in your company. 

SOLUTION : I would like delinquent payment mark removed from my credit report. Please! I don't believe it is accurate. 

REASON WHY : I spoke to a XXXX XXXX representative on the phone because they called asking about my late payment ( it was not delinquent yet at this time ), and I told them the date AND the amount I'd be paying. I asked specifically if this would prevent a delinquent report. They said I would be safe. But shortly after XXXX XXXX still reported it as delinquent. 

Please remove this report. Thank you so much for being so awesome.
Product: Checking or savings account

Chase literally just closed my account after I was robbed by XXXX XXXX I reported it and then instead of giving the money back to me chase kept it and closed my account. My taxes over XXXX XXXX dollars is about to go into that account and they have closed it and said they will hold onto my money as long as they want. They literally just told me in the Phone they will hold onto my money as long as they want despite me being the victim of robbery. They did not help me one bit and all they wanted to do from the start is steal my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX TX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX  XXXX, TX XXXX MULTIFAMILY 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 victim of identity fraud i have been getting alerts that my information is on dark web and the following accounts and inquiries on my credit files when i pulled them where opened without my authorization or knowledge collection account - XXXX XXXX original creditor XXXX in the amount of {$1900.00} opened XXXX collection - XXXX  in amount of {$190.00} opened - XX/XX/XXXX XXXX XXXX XXXX in amount of {$520.00} opened XXXX XXXX XXXX XXXX - original creditor XXXX XXXX XXXX XXXX in amount of {$260.00} opened- XX/XX/XXXX XXXX  XXXX XXXX- in amount of {$500.00} opened XXXX XXXX XXXX XXXX  / original creditor XXXX XXXX  in amount of {$1400.00} opened - XX/XX/XXXX XXXX XXXX  - balance {$260.00} opened - XX/XX/XXXX XXXX  XXXX - credit limit {$13000.00} opened XXXX XXXX XXXX - balance {$57000.00} opened XXXX XXXX XXXX XXXX balance {$48000.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$2500.00} opened XX/XX/XXXX XXXX XXXX - {$500.00} opened XX/XX/XXXX XXXX XXXX XXXX - {$440.00} opened XX/XX/XXXX
Product: Debt collection

Pendrick Capital has been attempting to collect on an erroneous medical debt for at least a year now, despite multiple disputes to various bureaus and collection companies. Each time I dispute the debt, the account is deleted by the collection company only to be replaced by another. I reached out to Pendrick directly in XXXX 2017 and have received NO response. The collection merry-go-round continues and my credit suffers. This debt is NOT valid. I have medical insurance that should have covered the cost of this visit and have yet to see any verification of the debt to suggest otherwise
Product: Checking or savings account

Dear Government Officer : I'm a customer of a cadence bank in Mississippi. From last XXXX. They changed the account policy. Start to charge me {$6.00} each month for maintaining the account. Although my my deposit never lower than {$250.00}. But they automatically classify my account into the group which needed to pay month fee. ( Earlier the policy is over {$50.00} ). And accoring to the manger, s own word they only mail a letter to inform this policy change, but for years they already no longer sended papaer based account details by mail but tell us to use the e-account to check account detail. In my opinion this is a kind of fraud to all the customers. Hope you can help them to correct this behaver. Thank you.
Product: Mortgage

My name is XXXX XXXX on XXXX/XXXX/XXXX, I received a notice from my mortgage company Ocwen Loan Servicing , LLC denying my request for a loan modification. Non-Approval Reason was. 1. They states they were unable to offer a Home Affordable Modification because : My loan on the related property has received the maximum number of modification permitted under the Home Affordable Modification Program ( HAMP ). You are only allowed XXXX HAMP modification on " your '' PRIMARY RESIDENCE. Please note, not all eligibility factor is evaluated. 2. We are unable to offer you a Mod 24 modification because : We are unable to verify that you live in the property as your primary residence.Please note, not all eligibility factor is evaluated. 3. We are unable to offer you a XXXX Capitalization and Extension modification because : This program is only for temporary or resolved hardships but we have determined that your financial hardship is not temporary one or has not been resolved.Please note, not all eligibility factor is evaluated 4. We are unable to offer you a propriety modification because : Your mortgage loan is secured by a property that does not serve as your primary residence and is less than 60 days delinquent.Please note, not all eligibility factor is evaluated. 
On XXXX/XXXX/XXXX, I filed an Appeal For Denial of Loan. Informing OCWEN that I have not had a HAMP loan ( I started the process XX/XX/XXXX and was laid off XXXX/XXXX/XXXX ) which made me ineligible for the HAMP. I provided OCWEN with my drivers license, utility bill along with my property taxes to prove it was my primary ( only ) resident. I also made the aware that I was receiving assistance from the Florida Hardest Hit Program because of me being laid off. 
I had not heard from OCWEN by XXXX/XXXX/XXXX. I placed a call and was told to Appeal For Denial to the research department. On XXXX/XXXX/XXXX, I received the same letter stating that I had been denied ( note letter had the date of the first denial with the top page with XXXX/XXXX/XXXX on it ). 
I have been told that if my loan is a XXXX or XXXX XXXX, that the loan holder is to assist with helping the consumer retain their homes.
Product: Debt collection

This is now the THIRD TIME this supposed debt has yet to reappeared on my credit report. This supposed debt was discharged not of my responsibility due to the un ability to prove financial responsibility. On XX/XX/2017 I received a document by mail from XXXX XXXX XXXX XXXX stating that after due diligence and international investigation of all information shared by all partys this supposed debt was false non existent and was ordered to be removed immediately never to be used again against me because there were no findings of financial responsibility. Yet despite a certified legal document in response to this supposed debt being false by XXXX XXXX, the companys COMMONWEALTH FINANCIAL SYSTEMS and the original creditor XXXX XXXX XXXX XXXX disregarded this filing and finding. COMMONWEALTH FINANCIAL SERVICES LLC then proceeded to contact me yet again against these findings and claimed that XXXX XXXX XXXX XXXX withdrew this matter from XXXX XXXX XXXX XXXX despite their findings well after the date of these findings. In this legal document presented to me by XXXX XXXX XXXX XXXX that stated this supposed debt be removed immediately from all credit reports indefinitely. COMMONWEALTH FINANCIAL SERVICES LLC claim they sent a document proving these liabilitys, but the documents I requested as well as XXXX XXXX XXXX XXXX were not certified legal documents or copys of certified legal documents and or a certified legal contract or certified copy there of. Also XXXX  neglected this discharge of debt order due to un ability to prove financial responsibility and allowed this supposed debt once again be put on my report. My previous CFPB Complaints in this matter are # XXXX and # XXXX / ID XXXX there is sufficient documentation on this matter in the CFPB archives.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS # XXXX DOB # XX/XX/1980 To who it may concern, There was a breach with the Office of Motor Vehicles and requesting a deletion : inaccurate information You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights.

15 U. S. C 1681 section 602A. Clearly states that 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 and open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 
I am Requesting all these inquiries be deleted : TransUnion : 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: Checking or savings account

I recently read the article about Regions over charging the overdraft fees and having to refund many customers. I was affected by this and feel I should receive a refund. I banked with regions from XX/XX/XXXX until around XX/XX/XXXX and had multiple problems in that time frame. Im a single parent and have been put in many bad situations because of regions. I liked the bank which is why I stayed so long but I had to close my account and move on. Any other steps needed to complete so that I can receive funds? Thanks
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a letter from First Hawaiian Bank reference CFPB case # XXXX. The bank stated there was insufficient funds in my checking account onXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to pay my car loan. My First Hawaiian Bank auto loan is routinely paid by monthly automatic debit from my FHB checking account on the XXXX XXXX of each month. In this complaint, I provide a copy of my bank statement which shows that my checking account balance on the XX/XX/XXXXwas more than {$1000.00}. My direct deposit of {$3400.00} was deposited on XX/XX/XXXX and dwindled to {$1000.00} by the morning of XX/XX/XXXX. By the end of the day on XX/XX/XXXX, My checking account balance stood at {$630.00}. The bank had ample time to deduct the {$500.00} automatic debit to pay my Auto loan. The balance in my checking ex

ceeded {$500.00}. On the morning of XX/XX/XXXX, a second direct deposit of {$1700.00} was deposited into my FHB  checking account bringing the total amount of funds available to {$2400.00}. From XX/XX/XXXX until XX/XX/XXXX, my FHB   checking acc
ount balance remained between {$730.00} to {$2400.00}. The bank again had ample time to deduct {$500.00} to pay the auto loan since my account balance exceeded {$500.00}.

On the morning ofXX/XX/XXXX, my bank statement shows a balance of {$2100.00}. The bank again failed to withdraw {$500.00} to pay my FHB car loan. On XX/XX/XXXX, a second direct deposit of {$1700.00} was deposited to my FHB checking bringing the total balance to {$1800.00}. From XX/XX/XXXX until XX/XX/XXXX, My FHB   checking balance remained between {$560.00} and {$2100.00}. Between XX/XX/XXXX, the bank had ample time to deduct the {$500.00} automatic debit to pay my Auto loan. Upon realizing the banks error, I immediately made two payments of {$500.00} on my FHB Auto loan.

The bank negligently failed to initiated the approved automatic debit to pay my auto loan, although funds were clearly available, and then made a false late payment report to the three credit bureaus. I want First Hawaiian bank to immediately remove the false late payment from my Auto loan payment history and to restore my excellent payment history to the three credit bureaus. My attached bank statement is evidence above and beyond a reasonable doubt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a report in the mail from Equifax. The following address is showing up on my credit report : XXXX XXXX XXXXXXXX CT, XXXX, OH XXXX. However, I have never lived outside of XXXX. The only other former addresses appearing on my report, if any, should be from XXXX, XXXX  between XXXX. I believe this may be someone else 's address with a similar name. I have tried to report this to Equifax, but I can not even access or verify an account with them because they are confirming with what I believe is this misinformation. This address and any loans associated with it are not mine.
Product: Debt collection

The company in question : RMP, holds a debt from XXXX XXXX XXXX  I started sending them letters in XXXX of XXXX, to attempt to settle the debt. Instead of answering the letters I sent, or even trying to work out an arrangement, the put it on my credit reports! I have sent them 4 letters between XX/XX/XXXX and XX/XX/XXXX to try and work out a settlement agreement and get this bill taken care of. The refuse to acknowledge even my letters sent to them! Now my credit IS affected and they refuse to do anything about it! 
Original amount of claim was {$420.00} XXXX  # XXXX my settlement offer which was never acknowledged was {$100.00}. I asked that this be accepted to pay this debt off and have the information REMOVED from my credit files! They have only ignored me!
Product: Credit card

I applied for a Lowe 's consumer card and through the processing of the application I had to go through a fraud verification process. Through that process I kept getting transfered and asked questions over and over again. With each attemp to verify my information, they pulled my credit bureau. This resulted in 5 inquiries from SYNCB in a short matter of time, which significantly reduced my credit score.
Product: Student loan

My lender has been applying my payment to interest only and splitting the loans applying daily interest and charging me for the balance of the total loan offered. Despite the fact that I returned or only borrowed a portion of the original loan. My consolidation company has used the amount of all loans and applying that rate toward interest, by doing so the loan has been extended numerous times. I have been paying for this loan since 2006 and the loan balance has not changed. They are churning and creating new loans and using my original agreement to extend the contracts for another loan. This has happened numerous times as the original loans were for 72 months. I did not agree nor was I advised that this would be happening for the next 14 years of my life. I have tried to work with them but they offer a new loan agreement which would extend my loan payments further and do not offer to change original terms. As a private loan servicer they have no government oversight as consumers we have no rights or ability to change anything they only offer more loan products to extend the life of the loan and we are penalized for making payments late and or not agreeing to their terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the inquiries deleted on all 3 credit companies it's been years since I really checked my credit report now that I checked it I noticed I have way to much inquiries that was not me authorizing any so that's a problem
Product: Credit reporting

Several Months ago I contacted Trans Union about incorrect information on my credit file. 
I Mailed in evidence to correct my personal information such as a Driver license, Social security card, Marriage certificate and a copy of a lease. Trans Union did not correct my personal information, they kept the old incorrect personal information that does not belong to me on my file and added the information to the file in which I sent. In addition I am also an identity theft victim. Lastly, XXXX was given the same information years ago but Trans Union will not update. Please help.
Product: Mortgage

NO Options for Underwater Refinance HARP Ineligible Loans : As I completed the initial steps of the refinance process over the last few weeks, I had some uncertainty as to appraisal value of my home but thought that it was presently an ideal time to attempt refinancing as there were numerous sales in my area in the last XXXX months and at increasing prices. The actual appraisal value of my home completely shocked and disappointed me. The appraisal value indicated that I am severely underwater by almost - {$80000.00} XXXX 80 % of the appraisal value in relation to the unpaid loan amount ). Refinancing, if it happens, is going to be a hurdle because according to Wells Fargo, the least amount of cash I would need to bring to closing is approximately {$45000.00}, with private mortgage insurance ( PMI ) premium payments each month. PMI will most likely take several years before it is eliminated based on how underwater I am currently. 
I want to honor my debt with Wells Fargo but I also want take advantage of the lower interest rates. I want to remain and continue raising my family in my home in XXXX XXXX. I am employed. Thank XXXX. I have never been late on payments of any of my debts, including my mortgage. Thank XXXX. I have a very good credit rating. Thank XXXX. 
I know that I am not eligible for assistance under HARP, because my original loan is not XXXX or XXXX XXXX. I was informed that my loan was packaged and sold by Wells Fargo to XXXX and that there are no programs to assist me, although I am underwater. This fact is hard to accept because accepting this fact would lead me to believe the saying that the " nice gals finish last ''. This is a saying I am not willing to accept because I always step out on faith. I do n't think my issue is a unique one and I hope something can be done to help me refinance. 
I am writing to bring this to your attention and I am hoping to get some assistance as the window for me to refinance is closing. 
There should be some help extended to homeowners like myself who want to take advantage of the lower interest rates but can not because of having a underwater value to mortgages who are not HARP eligible because banks pooled and sold mortgages to private investors who have not done a thing to help since the housing market collapse. Some pressure should have been placed on these investors and help extended whether for HARP eligible or not.
Product: Credit reporting or other personal consumer reports

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

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Equifax continues to report information that they indicated would be deleted in XX/XX/2021. 

The results of my dispute were sent to me via USPS indicating that ( 7 ) hard inquiries would be deleted yet they continue to report these inquiries. 

This complaint involves the reporting of information that Equifax has previously reviewed and concluded would be deleted. 

This is not a dispute of information on my report but a complaint regarding the failure of Equifax to delete information that indicated would be deleted. 

Litigation to follow
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been unable to submit a dispute online since my last complaint was submitted about months ago.
Product: Checking or savings account

Wells fargo is threatening to close my account because I deposited a small amount of money into a new account with them. 

They say they dont believe the checks wills clear although one already has cleared and the rest are pending because its a weekend. I feel this is discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX, I must have an at least 6 months of good standing with a credit provider ( credit card ) and one open account in order to generate a credit score. I've had a XXXX XXXX open and in good standing for over 30 years -- since 1991. I have had credit scores above XXXX in the past and have always paid my bills on time. In XXXX I applied for a new mortgage and was denied twice due to the lack of a credit score. This shocked me, so I looked into it and was bounced around between XXXX, Experian, and MyXXXX, with none of them providing a good excuse as to why I don't have a score. They speculate that its because I don't have more than one open account, but that is only speculation and not the criteria. They speculate that it is because I haven't carried a balance on my account for 6 month, but this too is speculation because carrying a balance is not a requirement..just having an open account in good standing for six months is the requirement. My lack of a XXXXredit score is having SEVERE financial impacts on the life of my family due to being unable to refinance our house at the current low rates.