23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2016, I started working with CITIMortgage for a " loan modification '', this comes after the interest only loan ballooned and payments tripled and am behind behind. Because I can not make the larger payments and the threat of foreclosure, I felt I needed legal help with Foreclosure Defense & Mortgage Mitigation help. XXXX XXXX XXXX cohearsed me into giving them a {$1100.00} retainer and $ XXXX/mo. fee. Was told they would take care of everything and it would take 3-4 months. Promised weekly updates, never called except to see if payment was available, I have since stopped payments, this firm 's address is in VA, but calls come from D.C.. I did not know of Minnesota Law prohibits this kind of activity and I find it unconscionable for Big Banks and Mortgage Litigation scammers to string along homeowners far beyond their abilities to fight and keep their homes.
Product: Credit reporting or other personal consumer reports

So after Initially sending a letter to remove any derogatory information they had provided to my credit agencys after I got your company involved they answered your request and Intially send something which then did increase my score back to what it was before, then a week later they then turned back around and resent the derogatory false reporting back to my credit report which then lowered my score for the second time by reporting false information that I didnt make my payments on time which I have proof of every payment paid as agreed however they literally re reported the derogatory information to ruin my XXXX XXXX for the XXXX time in a couple of weeks then they also sent me a notice today saying due to my credit history they are now lowering my limit by over XXXX dollars on XXXX of the accounts due to my credit profile history which now makes it look like Im way above my credit limit and hurts my score even more! This company needs to be dealt with immediately as they are destroying my credit and playing games with my life which isnt professional at all as this is seriously hurting my XXXX XXXX I have proof of the Intial time they sent to the credit agency the removal of the derogatory and then today I get the same report back for the exact same deroga which then lowered my XXXX XXXX again this needs to be removed immediately and I need your protection as this was sold to me initially as a credit card which then turned into a line of credit then because I had such good history they gave me another account which I wish I would have never accepted and it was so misleading! But all I want is for them to remove the false information that they have no 2 times reported against me for the same thing after removing it then for no reason re reported the derog to hurt my score again There hardship program is misleading because although you make the payments that they tell you that you will need to make your balance doesnt go down at all and this cant be right after 6 months of making payments on both accounts niether accounts balance dropped not even XXXX dollar. Please consumer finance.gov please help me as I have proof of everything and these people are predatory lending and making false claims to the credit reporting agencies to destroy my XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, 

I Have Previously Disputed This Item With Experian & XXXX XXXX XXXX XXXX (Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX) & In Response You Verified The Item As Accurate, Stating That You Verified This Information With The Court. 

I CONTACTED THE COURT On XXXX XXXX XXXX XXXX COURT RESPONSE Is Enclosed. 

It Is VERY CLEAR They DO NOT REPORT TO EXPERIAN OR ANY OTHER CREDIT REPORTING AGENCY! 

Therefore You ORIGINAL RESPONSE Of VERIFYING The Item With The Court Was A Error OR COMPLETE LIE, EITHER WAY The Reporting Requirements Does NOT COMPLY With FCRA 611 (15 u.s.c. 1681) And The INFORMATION MUST BE DELETED IMMEDIATELY
Product: Checking or savings account

On or around XX/XX/2020, I was the victim of debit card fraud. As a result, M & T Bank incorrectly reversed 5 legitimate transactions with the merchants, that were not not apart of the fraud I was victim to. The amount of {$600.00}, was incorrectly reversed from the 5 separate merchants and refunded to my bank account. I explained this error to M & T Bank via telephone on or around XX/XX/2020after it was brought to my attention by a " reversal of payment '' notice from my cell phone provider. I was told by M & T Bank that the bank would withdraw the funds of {$600.00} from my bank account on or around XX/XX/2020 and redistribute the funds accordingly to the correct legitimate merchants. As of XX/XX/2020, the merchants have not been paid, even though M & T Bank collected the funds from my account onXX/XX/2020. I would like my money back so that I may pay my pass due debts that M & T Bank has created. I've called M & T Bank well beyond eight times over the course of 2 months, but to no avail. On XX/XX/2020 I physically went into a branch located at XXXX XXXX XXXX, XXXX, PA XXXX to address these issues in person with documentation I had, and I was unjustly accused by the banker of being dishonest. I politely left the branch, and I have researched other means and entities to address this issue. I would like my funds of {$600.00} reimbursed to me so that I may pay off the merchants that provided me service. I do not trust M & T Bank to re-disburse the funds to the merchants at this time due to their negligence. I am requesting a thorough investigation by M & T Bank so that the proper actions are taken to protect their customers from incidences of abuse like this in the future. 

Transactions that were reversed and illegitimately kept by M & T Bank on or around XX/XX/2020 : XXXX XXXX= {$100.00} XXXX= {$40.00} XXXX XXXX= {$10.00} XXXX  XXXX= {$390.00} XXXX XXXX= {$57.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company a dispute letter to dispute several INCORRECT AND INACCURATE pieces of information. I wrote them a letter dated XXXX XXXX, XXXX. Listed are all the inaccurate and incorrect information being reported including liens that I 've personally verified with the courts which have been removed from their records since last XXXX XXXX, XXXX. This proves how inaccurate and incorrect this company 's reporting is ; this also proves this company 's violation of FCRA. They did not conduct any investigation. Attached to this complaint is a copy of the letter I sent this company last XXXX XXXX, XXXX. Also, Another proof that this company did not investigate, there is a certain item on the account that I disputed and still remains as verified, correct and accurate. XXXX XXXX. If this company really did an investigation, I am interested to know how. According to XXXX : " XXXX XXXX  XXXX '' XXXX control is already out of business. So, I am quite surprised when this company claims they did an investigation and the item was verified. There is no assurance that this company really conducted an investigation.
Product: Credit reporting

I ve lived in a shelter for the past XXXX years and i have house mortages in my name and car insurances in my name also.somebody is staling my account information and thats fraudulant my name is XXXX XXXX i never owned a car orlived in my own home i also never gave my info out though it couldve been stolen by someone the person who is using my info.i want to start an immediate investigation and criminal and federal charges pending the party of fuaud ( s ) .i do have an finance account i cant acess because i didnt get my account number .please can you or a relating company give me any assistance.thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to place a permanent freeze on my account ( opt out ). I want a PIN code to opt in in the future!
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit profile that is on this consumer credit report still contains misrepresentations, after numerous attempts at asking them cordially to correct my consumer credit report information. 
I also ask that all inquiries be deleted from my credit report as it is proof of a consumer privacy violation, be removed from my report. 
there is an collections account that just made its way on to my consumer credit ( my reputation ) and it is damaging my livilihood. I have been denied credit already because of the fraudulent negative information on my Equifax consumer credit report. 
Equifax has also infringed on my right to consumer privacy by publishing information that it has sourced from other sources and graded me on the things they have found. 

the collection account on my Equifax report goes by the name of XXXX XXXX XXXX, apparently there is a open balance of XXXX, which is another violation of my consumer privacy. pursuant to the United States Code.

I have sent 4 letters to Equifax this is the final letter that I am sending. Should the corporation not understand that is has willingingly and knowingly violated my rights and compensate me accordingly I will have to make the attorney general aware of their fraudulent practices and help them pursue criminal liability pursuant to 15 USC 1611.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my Equifax credit report I noticed some inquiries on my credit report that are fraudulent according to the ( FCRA ) these items are unauthorized and unverifiable and must be removed from my credit report. 

XXXX XXXX Bank. XX/XX/2022 Capital XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XX/XX/2022 2022
Product: Checking or savings account

As a result of Unauthorized fraudulent operation using fake ID and Stolen telephone number/duplicate SIM card ( Identity theft ) JP Morgan Chace bank employees allowed cash withdrawals from my checking and saving accounts and wire transfer from my saving accounts. Most of my lifetime savings {$100000.00} were wire transferred without proper verification. This transaction was unusual, out of pattern and out of my ordinary account use practices and out of state where I reside. It took XX/XX/22 and XX/XX/22. I started claim with Chace Bank XX/XX/22. Cash withdrawal already returned to my accounts. But most of my savings {$100000.00} are not returned. I faced significant difficulty with processing of my claim from Chace personnel, especially Claims department. I could not obtain accurate instructions of what document need to be submitted for review and status of my claim. I am unable to obtain information about progress of my wire transfer claim and reason for delays.
Product: Debt collection

XXXX XXXX continues to attempt to collect on a debt in the amount of {$1000.00} that I do not owe. I have written XXXX debt verification request letters and instead of receiving requested information, my account was transferred to a collection agency, RPM, who is requesting payment for an amount I do not owe.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous communication regarding the removal of charge-off accounts from my credit report. This marks the 2nd formal attempt to address this matter.

Despite my initial request and subsequent efforts, the charge-off accounts remain unresolved, adversely impacting my creditworthiness and financial standing. It is imperative that these accounts are promptly removed from my credit report to ensure its accuracy and integrity.

I urge you to take immediate action to rectify this matter and provide me with confirmation once the charge-off accounts have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX  XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX Balance : {$810.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXX Balance : {$3600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion to request removal of fraud alert, I spoke with some who advised to complete the request online. After attempting to complete the request online, I was not able to access due to TransUnion website being down for 72 hours. I called customer service again to complete the request over the phone, I spoke with a rep who i was not able to understand due to her not being able to speak clearly. I then requested to speak with someone that I can understand clearly to avoid communication issues. The rep continued to repeat, I can help you with that and proceeded to question me. Once I answered the questions correctly, she said I failed and was not able to complete my request. I asked her what are my options, she did not provide any alternative options to assist me at all. I then asked if I can submit my information to verify myself in to complete the request, she stated I needed to wait 3 days for a code. I stated there should be another way to mail my information in and verify my identity. she stated that was not an option for me. I then requested to speak with a manager she placed me on hold, I was on hold for over 2 hours and eventually hung up. This was pure discrimination against me due to me not renewing a monthly membership with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2022 Balance : {$990.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent collection reporting on my credit report dated XX/XX/2016 from California Business Bu Original creditor XXXX XXXX XXXX amount {$1400.00}
Product: Debt collection

As of XX/XX/2018 I noticed a added debt on my XXXX  credit report from Debt Recovery Solutions. This debt is in the amount of {$53.00}. The original creditor sold this debt to another company previous to Debt Recovery Solutions. This debt was paid and closed due to insurance has paid the original creditor. Also, when I disputed this same debt, a letter was sent that it would be removed and closed. Now this again. Please note, I have never been contacted in anyway by Debt Recovery Solutions or had no idea my information was sent to them. The information never had my consent to be sold nor do I have any contract or dealings with Debt Recovery Solutions. Medical information is very personal and I feel my HIPAA rights have been violated. By Law, you can not add a debt to anyone 's credit report without notifying them first. I have reached out to an attorney regarding this matter as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've sent over documentation to company showing proof that this debt is n't mine and still nothing has been done on my behalf. This item is causing great stress to my life and I 've reached out to an attorney XXXX XXXX to help me out with this matter, I was advised to try to work this item out with the collection agency one more time, if they refuse to remove this inaccurate item then we will pursue with filing a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Ive reached out to Experian about a dispute against an item on my credit report from XXXX consumer. I have shown legitimate proof of several inaccuracies and the sales contract as well from XXXX consumer in which they attempted to validate the debt that was inaccurate based on the evidence that they provided as highlighted in my provided documents. I have also provided a 30 days to comply letter on XX/XX/XXXX in which I provided additional evidence confirming the inaccuracies in their allegation of debt listed on my credit report. There were more than three different balance due amounts. there were incorrect and false information regarding my address and contact information as well as the creditors address and contact information. They stated that I traded in a vehicle that shows on my credit report that I paid off two years after the sales contract date that states that I have traded in a vehicle their sales contract also shows incorrect amount stating that there was an amount credited towards the balance from the trade-in which never happened as you can see on my credit report which states that I paid off the supposedly traded vehicle 2 years after the contract date from XXXX XXXX XXXX This debt that shows on my credit is a complete fiasco and must be removed due to inaccuracies as stated in the FCRA law. This should not have not taken longer than 30 days and i should not have to file a complaint with the CFPB as well as FTC for Experian not doing their jobs properly.
Product: Checking or savings account

I am a permanently XXXX American who receives social security benefits through COMERICA Bank DIRECT EXPRESS DEBIT CARD PROGRAM. 

They do not issue monthly statements. I contacted them this year because the IRS told me that I needed to file taxes for XXXX and XXXX if I was to receive a stimulus check. 

I asked DIRECT EXPRESS to provide me with a total of benefits received over the past two years. What I got was a list in the mail, of every transaction to my account in XXXX 
Month after month, page after page was charges as small as XXXX and as large as {$100.00}, totaling over {$2600.00}. None of the deductions were authorized by me. Had I not requested deposit information, I would have not known what happened. 

I don't know how to get those funds back. Customer service for DIRECT EXPRESS read a scripted message that states the time parameters for filing a complaint regarding a charge as being 45-60 days from the posted date of charge. Each charge disputed requires a separate depute form. One month alone has eight pages of incorrect charges, 28 charges per page! 

Secondly, what can I do to prevent this from happening again? 
I have never used my DIRECT EXPRESS account for recurrent billing. Is there a way to opt out of these " services '' with DIRECT EXPRESS? 


The charges are suspicious amounts as little a {$.00} charge to a foreign payee multiple times in a given day. I WOULD LOVE TO SEND YOU COPIES BUT I DON'T KNOW HOW TO UPLOAD THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My primary residence 's mortgage servicer is Loancare LLC ( https : //www.myloancare.com ). InXX/XX/2020, I accepted their forbearance plan because I was financially affected by the COVID shutdown. On XX/XX/2020, I got an email stating that I have been approved for the forbearance plan ( email attached ) and that I should read the forbearance plan agreement carefully. I received an agreement letter ( attached ) dated XXXX XXXX. Before I entered the forbearance plan I was one payment away from having my PMI removed. Neither the letter that I received nor the email mentions that my PMI will not be removed for another 24 months and that I will be penalized if I accept the forbearance plan. I even made partial payments during my forbearance period. I ended the forbearance plan beginning of XXXX and made all the payments. I have never defaulted in any mortgage payments. 
I have requested Loancare several times for cancellation of my PMI. However the mortgage company is still forcing me to pay PMI for extra 24 months. 
I have complained several times, including an escalation call with the manager, XXXX, on XX/XX/2020 ( escalation request # XXXX ). She mentioned that the PMI will be removed in 7 business days. However, without notice they quietly rejected my PMI cancelation request. I did not receive any written letter or email from them. I called again on XX/XX/XXXX and talked with another manager, XXXX XXXX agent # XXXX ) and she insisted that there is no way the PMI will be removed and that I am forced to pay for PMI for another 24 months because of the forbearance plan. 
This deceptive behavior by Loancare has caused me an extra financial burden during COVID crisis. They advertise their forbearance plan as a compassionate act however they are defrauding people.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights 15 usc 1681 sec 602 A states I have the right to privacy 15 usc 1681 section 604 section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Im writing to request the immediate removal of unauthorized inquiries from your company on my credit report.
Product: Credit reporting or other personal consumer reports

This is to follow up on our ongoing efforts to remove the fraudulent items from my credit report. Despite our persistent attempts, I regret to inform you that these fraudulent items still persist on my record. 

The presence of fraudulent items not only undermines my financial credibility but also poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. The following items should be removed as soon as possible : XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX - XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.