23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We desperately want to save our home. We 've been trying to get a loan modification with State Farm Bank FSB, but our efforts have been futile. We started this process in XX/XX/XXXX, it is now XX/XX/XXXX and no approval. The loan modification process is ambiguous and not transparent. The Consumer does n't know what to expect and all decisions are up to the Underwriter. The consumer is not informed of the process or criteria. As a consumer I should know what happens the moment the packet is received. There is no checklist of what is being done on your packet and how the decision was arrived at. State Farm Bank FSB, also does n't allow the packet to be emailed or Signatures to be docu-signed. Their system is on the cutting edge of functional obsolescence. You can only fax or mail documents. This considerably delays the process. We are not able to know the name of the Underwriter handling the modification. When items are supposedly missing we would receive a letter that comes ten to fourteen days later. By the time we 'd get it the other documents would expire. State Farm Bank would consistently ask for the same information over and over again.
<P/>I filed for Bankruptcy and State Farm Bank knew this, but they still requested I pay off liens that was on the property. We thought that was a good sign, and since State Farm Bank made this a condition of the loan modification we did as they requested. Once we got the property in good standing they denied the loan. Stating we did not live at the property. We are now out of pocket over $ 10K, this was money we were saving to pay towards the mortgage. <P/>I wrote letters to State Farm Bank 's Attorney, State Farms Management XXXX XXXX and XXXX XXXX. I also left a voicemail for XXXX XXXX onXX/XX/XXXXto return my call, but have not received a response or call back from the Manager yet. I also followed up my call with a faxed letter to her, have written to State Farm Banks Attorney and the managers at the company, however all my letters seem to fall on deaf ears. <P/>Since State Farm Bank denied our loan for not living at the property and we submitted proof that we do. Can State Farm Bank turn around and deny us for a different reason? Our packet should not have to sit on someone desk another 30 - 180 days while our mortgage and late fees are mounting, especially for an appeal. We was told there is no time frame for the Underwriter to make a decision on an appeal. This is totally unfair. <P/>I have called HUD counselors and done everything I can. We have done a lot of work to this property and have paid off liens. We want to save our home and are asking State Farm Bank to do the right thing and give us a loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit company on inquiry which were not authorized by me. Also contact TransUnion with several letters about these hard inquiries on my credit report. TransUnion refuses to remove these inquiries which were not Authorized by me
Product: Checking or savings account

I started to try and close my account on XX/XX/22 by sending a secure email via Axos online Business secure message portal. I received a response telling me I need to complete a transfer or a wire. There is no where on the website where these actions can be performed so I called. Each time I am redirected to phone representatives who tell me I have to use the secure message portal. When I explain the problem with the portal I am told someone will send me a message and no one ever does. I am at my wits end and can not access my funds.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their persistent failure to correct an inaccurate collections account on my credit report, despite multiple disputes I have filed over the past two years. This unresolved issue has caused significant personal and financial distress, as the inaccurate information negatively impacts my creditworthiness. 

Details of the Disputed Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Since XXXX, I have disputed the accuracy of the above-referenced collections account with Experian. My position is that this account is erroneous and should not be reported under the Fair Credit Reporting Act ( FCRA ). I have filed several disputes with Experian through the XXXX complaint process, including : Complaint ID XXXX ( Filed XX/XX/XXXX ) Complaint ID XXXX ( Filed XX/XX/XXXX ) Complaint ID XXXX ( Filed XX/XX/XXXX ) An additional dispute filed in XXXX. 

Despite providing substantial evidence supporting my claims, Experian has failed to conduct a reasonable investigation and continues to report this inaccurate information. Their lack of action is not only irresponsible but also a violation of FCRA requirements. 

I am aware that on XX/XX/XXXX, the CFPB filed a lawsuit against Experian for failing to properly investigate consumer disputes, as required by law. My experience aligns with the allegations in this lawsuit. Experians actionsor lack thereofindicate a systemic disregard for the rights of consumers under the FCRA. 

I insist Experian conduct an investigation as required by FCRA law. Do not accept the findings of furnishers who do not provide thorough results of their investigation which I will ask you to provide to me in detail via mail. Delete or correct the disputed information within the timeframe provided by federal law and ensure the immediate removal of the erroneous collection account from my credit report.
Product: Credit reporting or other personal consumer reports

After checking my credit report my mortgage holding is reporting information thats stopping me from being approved for credit card, XXXX card. i applied for a loan modification do to XXXX it was approved the report reading loan modified under federal government plan. the statement is hurting my credit thats my personal busniess and should not be shared with out my permission, such reporting hurting my credit also on XXXX credit report showing no late payments on XXXX showing late doing loan modification this is not right, several letters been sent to XXXX XXXX also all XXXX credit reporting this needs to be corrected also updated to all credit reporting company and letter sent to me showing what action was taken to fix this issue ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request. Please and thank you!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I am trying to link my account to XXXX  and to XXXX but PNC doesn't allow linking to these 3rd party apps even with my authorization. I do not understand why. I would like to be able to use these 3rd party resources to help manage my money.
Product: Vehicle loan or lease

XXXX my XXXX XXXX XXXX XXXX in an accident. XXXX towed it to an authorized auto shop and prepaid for the repair. As such XXXX has signed off on me. 

Auto shop still can't get the part to fix my car from XXXX. XXXX is saying there is no XXXX for the part and I can't get the car since it's a safety part and not allowed to be driven. 

To date I am paying the car loan and insurance on the car while it sits in an auto shop. 

I have no car to drive to work! 

I have called XXXX corporate repeatedly and written emails to every exec in XXXX to get me a loaner, buy my car back or suspend the loan. 

This situation is created by XXXX, not through any fault of my own.
Product: Credit reporting or other personal consumer reports

Companys asking for FTC Report and My ID
Product: Mortgage

My current mortgage is through XXXX XXXX - Lake View Loan Servicing When I originally sign my mortgage I was also provided down payment assistance through XXXX Down Payment Assistance, this was coded as a second mortgage and had deferred payments for the life of the loan and the interest was not to be added until the end of the loan. 
My original mortgage company sold both of the mortgages and the company I have now is harassing me to pay the second mortgage. I have always been on time for the mortgage for my home. The Down Payment assistance grant they are trying to charge me for, since XXXX of this year, and they are also charging me late fees for this loan that is not supposed to be due. I have called them four times now and have been waiting two weeks for them to answer my ticket. Each time I call they tell me I am correct and they should not be charging me for the loan but then they take no action to correct their mistake and are still contacting me saying I owe late fees. This has added unneeded stress to my life and I should not have to call a company four times to resolve something that they admitted was their mistake on the first call.
Product: Credit reporting or other personal consumer reports

I sent a dispute to XXXX  equifax and XXXX regarding some collection accounts that do not belong in my consumer report as I had zero knowledge of them. I did not receive any form of notification that a collection agency was going to be on my report. Its been about 30 days since I sent my dispute and i havent gotten a response yet
Product: Mortgage

Right now, they say that I'm back on my escrow account. but in XXXX  I owed about {$1000.00} Dollars that was payed off that year, the next year my mortgage payments went back up again saying that I owed back money on my escrow account again for over XXXX dollars. And my mortgage went back up again. this year saying that I'm back in my escrow. They take money out every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax provided an incomplete background screening to a leasing agent on XX/XX/22 that stated my the criminal record for the search was pending. I reached out to request an updated report via the number on the incomplete one on XX/XX/22 and was told to call the consumer line. One of my concerns is that prior to this request I called twice on XX/XX/22 and twice on XX/XX/22 and was able to receive personal details about my file, such as criminal record and credit score, without providing any identifying information about myself or my relation to the file, just the file number. I was not asked who I was until I requested an updated report. I called the consumer line XX/XX/22 and was told they dont do background screenings through Equifax XXXX When I asked to speak to a supervisor I was placed on hold for 45 minutes and then hung up on. I would just like an completed copy of my report as the agent believes that pending means I have a pending criminal charge and has shared this with my agent causing me not to be able to get housing.
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. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX : # XXXX, XXXX  XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX # 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 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 card

I have an American Express card connected to XXXX. I had a platinum card for a year, with a {$150.00} annual fee. When I got the bill with the coming year 's fee, I called and asked to have the card changed to a XXXX card with a {$95.00} fee. That was done and I was told that I would be charged {$95.00} for the year and the {$150.00} would be credited back to my account. I paid the {$95.00}. When I got the next bill, the annual fee charges were prorated so I was charged XXXX month at the higher fee. I called to have that corrected and customer service person was extremely unhelpful and patronizing. I asked to speak to a supervisor and after considerable resistance I got someone else who was also patronizing. He kept repeating, " XXXX XXXX, you must understand .... " I understood extremely well, but he refused to acknowledge the issue or what I had been told in my previous call. I asked to speak to his supervisor and, again, after resistance I was told someone would call me within 48 hours. I have not received that call. I was going to call back but have no hope that I will be able to reach someone helpful. The amount of money is under {$5.00} but I find the lack of accountability and the difficulty in getting acceptable customer service or any remedy extremely troubling.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am filing an urgent complaint against XXXX XXXX XXXX for ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Protection Act of 1974. 

As a federally protected consumer, I exercised my right to opt out of any authorizations, per 15 U.S.C. 6802 ( a ), effective XX/XX/XXXX. Despite my attempts to resolve this directly with XXXX XXXX XXXX on that date, the unauthorized reporting of transactions persists, violating my rights under 15 U.S.C. 6802 ( a ). 

XXXX XXXX XXXXXXXX XXXX continued non-compliance with its terms and conditions, explicitly stating no sharing of personal information with non-affiliates and third parties, raises concerns about their commitment to privacy. 

I demand, as part of the resolution to this complaint, the immediate removal of all non-public information, including Driver 's License information, address details, and transactions, for which no permissible purpose was granted. 

I urgently request the Consumer Financial Protection Bureau to expedite an investigation into this matter, rectify the FCRA violation, and uphold the principles of the Privacy Protection Act of 1974.

Enclosed, please find documentation of my attempts to address this directly with XXXX XXXX XXXX. Your prompt attention to this matter is crucial for the protection of my rights. 

Thank you for your immediate action on this urgent matter. I anticipate a swift resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a checking account when I recently moved here to Texas because of incorrect information on my Chexsystems record. I was not aware of this information and it is also extremely old aside from being blatantly wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

enhanced recovery CO. LLC XXXX XXXX XXXX. XXXX, FL XXXX. I contacted this company with a second written request requesting original creditors documentation, I do not believe this information is mine or correct. I have never had XXXX phone service! They have not provided me a copy of any original contract with my signature attached. I am requesting all information be removed from XXXX  and XXXX. Again, I have never requested XXXX or had their services. 

thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the companies below has violated my rights. 

XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

This is a credit card account from XXXX from ten years ago or longer. Midland Funding , LLC is somehow renewing the timeline to an earlier date from XX/XX/2014. From a debt long time ago.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

On XX/XX/XXXX, I created an XXXX XXXX XXXX XXXX payment request. XXXX accepted and processed the request. The payment was to go to Nelnet, which was accepted by Nelnet on XX/XX/XXXX. The payment has not been processed on Nelnets end and is not showing up. Since then, I have accrued interest of which would not have applied to the to the payment due to the negligence of Nelnet to promptly process and apply the payment.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as XXXX supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and TransUnion have been reporting these fraudulent accounts under my name XXXXXXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights of privacy have been breached and trespassed by this bureau which is a direct violation of federal law. This bureau is also in violation of federal law by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation. 

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

In accordance with the Fair Credit Reporting act XXXX  account # XXXX ( XXXX ), account # XXXX ( XXXX XXXX XXXX ), account # XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account # XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), account # XXXX ( XXXX ) and account # XXXX ( XXXX ) has violated my rights. 

15 U.S.C. 1681 sec. 602A states I have the right to privacy.

15 U.S.C. 1681 sec. 602A sec 2 it also states a consumer reporting agency can not furnish an account without written instructions.