23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX Churchill mortgage XXXX XXXX XXXX XXXX XXXX XXXX I as a single mother with steady income, steady household income have been denied due to not having credit scores over XXXX. For FHA loans on all government websites it clearly states these loans are specifically designed to help people like me with less than average credit scores or marks on their credit. These loans are being used for people who have higher credit and are being told all credit marks on their reports must be remedied prior to loan acceptance. If I had a perfect credit score or credit profile I would not be looking to obtain a government backed loan. No banks are offering the XXXX credit limit as disclosed as a requirement for the FHA loan, rather asking for XXXX or above. I have attempted through multiple lenders and now my family is at risk for homelessness due to the loan system. I have the ability to pay, I am currently paying and have the ability to pay all future payments. I am being told with a monthly household income of over XXXX after taxes my household does not make enough money. I feel I have been discriminated on as when working with XXXXXXXX XXXX my lender contacted my real estate agent and notified him I was unable to obtain any loan and would not be capable of obtaining any loan. This has greatly affected my ability find and secure housing for my family. If government backed loans are specifically made for lower income, lower standard individuals like myself ( single mother households ) why these loans not being provided to individuals such as myself to remedy homelessness or the chance of. Where go? Who do we turn to? Do we just accept homelessness? There has to be someone who lends based on government standards set in place rather than making their own standards and denials based on poor credit scores when clearly the minimum score has been set at XXXX. Can you please direct me.
Product: Mortgage

This complaint is against CityScape Mortgage, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. My husband and I were in the process of purchasing a new construction home since XXXX XXXX. In late XX/XX/XXXX, we decided to switch lenders to see if we would qualify for the XXXX  loan. Cityscape was recommended by our realtor. Once we contacted CityScape, we spoke with XXXX XXXX and his XXXX XXXX XXXX. My credit at the time wasn't where it needed to be approved for the VA loan so they helped me get my scores to where they needed them to be through a program they used. Once that was done the process began to flow and we received a call from XXXX in XXXX saying we were conditionally approved for the XXXX loan. Then a few days later I received another call saying I needed to provide documents on a previous foreclosure that was in my ex-husbands name. I sent over the documents they needed. Then they said the XXXX already shows I had a loan, so i sent over documents showing I never used my XXXX loan. Just when we thought the process was moving forward, they emailed saying I needed to provide bankruptcy documents showing accounts that are closed. They requested I call each creditor on the Bankruptcy list. Each creditor my husband and I called stated the accounts were past the statute of limitations. We explained that CityScape, and they still said the loan may not be approved. However, they sent an email to the builder liaison saying the loan was approved and on track for closing. during that time we still didn't receive an appraisal but were told an appraisal wasn't necessary to close per phone conversation with the XXXX XXXX XXXX. During the process we tried numerous times to speak with XXXX and his XXXX to get some clarity on the matter. At one point my husband received a text from XXXX saying he was at XXXX XXXX. The professionalism was nonexistent. Once we decided to switch lenders again we had almost a month until our XX/XX/XXXX closing date. The lender we switched to requested the appraisal after we were told it was completed. However, cityscape dragged their feet until the last moment and then stated they never completed an appraisal. This caused our closing date to be pushed back to XXXX. CityScape was never forthcoming with their intentions and we constantly received the runaround. The process became extremely frustrating and unbearable. The treatment we received was unprofessional and unethical.
Product: Credit reporting or other personal consumer reports

XX/XX/year> - I was trying to access my free credit report from freecreditreport.com. When it came time to interact with Experian, they requested my email and phone number and gave me no choice which they could use to contact me. They sent a text to my phone for me to click/verify the link. The link didn't work. Instead, I got an error message that said " Something went wrong. Your link may have expired or there's a technical issue on our end. Return to the original page to try again. '' - I clicked it immediately, so it hadn't expired. I went back to the original page. Tried again. Second link - same result. 

I called the company 3xs. They request my social upfront. Then, the automated system refuses to connect me to a representative, won't transfer or give an option for tech support, and everything I tried resulted in the phone hanging up on me. I'm VERY uncomfortable with a company that records my phone number and social, but won't speak to me directly. I find it unacceptable that I can't speak with a person at a company that has so much access to and power over PRIVATE information that has power to make my life very difficult if mishandled. I deserve a human conversation and if it's a manpower issue, they could have offered the option to get back to me when someone is available. There was NOTHING available. Now I have no report, my social has been documented by some number that I have to TRUST is actually Experian and I'm disgusted with the evasive tactics to hide behind a limited automated system ( that doesn't offer tech support as a selection ) and refuse to actually SPEAK to a customer. The automated system even told me it couldn't allow me to speak to anyone when I said " representative '', " help '', and " technical support ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

We started our lease with Toyota Financial Services in XX/XX/XXXX on a XX/XX/XXXX XXXX XXXX. Initially, their promotion was that Toyota will make our first payment, so when the payment invoice for XX/XX/XXXX showed up, we contacted Toyota to make sure they would make the first payment. Toyota claimed that they already made the first payment when we took delivery of the vehicle in late XX/XX/XXXX, but no record exists of them making any payment. Our recent credit report shows our payments over 30 days old, which is not true. We printed off the entire payment history and none of our payments have been over 30 days late. We discussed that with Toyota Financial Services XXXX they have documented comments XXXX and they reversed a {$34.00} Late Fee and agreed to update our payment history to show NO delinquent ( over 30 days XXXX payments. That has not happened yet. Our normal payment date is the XX/XX/XXXX and payments started XX/XX/XXXX ( assuming Toyota made the first payment in XX/XX/XXXX ). We want our payment history to be clear with no late payments over 30 days with Toyota as they promised during our phone conversation XX/XX/XXXX. Can you help us correct this with Toyota? Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. 
Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer report agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer report agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of reinvestigation ; and ( ii ) promptly notify the furnish sure of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

-- - [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] XXXX XXXX XXXX XXXX TransWorld Systems Inc XXXX Virginia XXXX XXXX XXXX XXXX XXXX  PA XXXX **Subject : Formal Complaint and Demand for Compensation** Dear XXXX XXXX XXXX XXXX/TransWorld Systems Inc , I am writing to formally address your attempts to collect a debt that I do not recognize and for which I have not entered into any agreement or business dealings. I have received two correspondences regarding an alleged obligation of {$620.00} attributed to your agency. However, I must inform you that this account is significantly past the allowed reporting and collecting timeframe under the Fair Credit Reporting Act ( FCRA ).

According to the FCRA, debts typically have a reporting limit of seven years from the date of default. Your claim originates from XX/XX/year>, which is well beyond the permissible period for reporting and collecting such debts. Continuing to pursue collection of this alleged amount not only constitutes an unauthorized collection but also represents a further breach of my rights. 

Moreover, neither agency is unlicensed to operate as a debt collector in both South Carolina ( SC ) and Georgia ( GA ), further compounding the violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Federal Trade Commission ( FTC ) guidelines. 

**Demand for Compensation : ** As a result of these violations, I am demanding compensation for the following : XXXX. **Emotional distress and damage to my reputation** due to your unwarranted collection efforts. 
XXXX. A demand amount of ** $ XXXX ( XXXX the alleged debt of {$620.00} ) as compensation for the illegal collection attempts. 
XXXX. An additional ** $ XXXX for damages incurred from XX/XX/year>, to the present due to the unauthorized collection and the negative impact on my financial standing. 

This demand aligns with the remedies available under the FDCPA, which allows for statutory damages, as well as the rights provided by the FCRA to protect consumers against outdated and irrelevant information affecting their credit. 

Please consider this a formal demand to cease all collection activities related to this alleged debt. I request written confirmation within ** [ 14 days ] ** that you will no longer pursue this debt. Failure to respond adequately or continued attempts to collect this debt will leave me with no choice but to report your conduct to the appropriate regulatory authorities and pursue legal counsel. 

Thank you for your prompt attention to this matter. I expect to hear from you soon. 

Sincerely, [ XXXX XXXX XXXX ] ---
Product: Credit card or prepaid card

THIS IS A CONTINUING COMPLAINT ABOUT RESPONSES BY CITI CARD CONCERNING Complaint number : XXXX WHICH HAS BEEN DEEMED TO HAVE ENDED. THE RESPONSES RECEIVED FROM CITI ARE FALSE IN MANY WAYS. IN A LETTER TO ME FROM CITI, DATED XXXX/17, THEY HAVE DISMISSED MY CLAIM OF 2 CHARGES WHICH WERE DISPUTED BY ME. FIRST IN THEIR LETTER THEY HAVE SAID THAT THEY TRIED TO REACH ME BY PHONE. I HAVE A FULL TIME RECORDER ON MY PHONE, & IT SHOWS THAT NO SUCH CONTACT WAS ATTEMPTED. FURTHER A PHONE CALL IS NOT A LEGAL DOCUMENT. THEY HAVE RECEIVED ALL OF MY DOCUMENTS BY FAX, WHICH IS A LEGAL DOCUMENT. THEY ARE NOW REACHING ME BY LETTER, & TELLING A STORY WHICH IS " NOT TRUE '' IN MANY ASPECTS!
ON THE DISPUT OF 2 CHARGES, EACH FOR {$99.00} I REQUESTED WITHIN 2 DAYS OF THE CHARGES APPEARING ON MY BILL TO DISPUTE THESE CHARGES. I NOTIFIED CITI THAT I RECEIVES 2 ITEMS FOR A SHIPPING CHARGE OF {$5.00}, & {$6.00} FROM A COMPANY FOR TAKING A SURVEY. I NVER DALT WITH THE COMANY AGREEING TO PAY ANY OTHER FEES. I EXPECTED CITI TO ACT AS MY AGENT IN DISPUTE OF THESE FEES. CITI ISSUED A TEMPORARY CREDIT, & THEN MORE THEN 2 MONTHS LATER TOLD ME I HAD 14 DAYS TO CANCEL A FREE TRIAL FROM THE COMPANY. I DID NOT TAKE 2 WEEKS TO DO SO AS BY THEY BEING MY AGENT I DID SO WITHI9N 2 DAYS OF THE POSTING OF THE CHARGES. WHY DID CITI WAIT FOR THIS LENGTH OF TIME TO NOTIFY ME OF CONDITIONS THAT I HAD TO CANCEL THE CHARGES. THIS ACTION IS WRONG DOING & NEGLIGANCE ON THE PART OF CITI & I REQUEST THAT CFPB TAKE ACTION AGAINSTN CITI TO CORRECT THE SITUATION.
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by XXXX. I contacted XXXX XXXX XXXX ( the servicer of my mortgage ), about the forbearance being offered. I was instructed that while I am on a forbearance my credit would not be affected in the negative. During my forbearance, the Principal of my loan has been reported to the credit bureaus as {$170000.00} XXXX. Im at the end of my forbearance, I contacted XXXX XXXX XXXX XXXX and are working with them on the back payments. XXXX XXXX XXXX XXXX  has extended the forbearance 2 months while working on a deference. I received a mortgage statement dated XX/XX/2020, the outstanding Principal is {$170000.00} XXXX, however on XX/XX/2020, XXXX XXXX reported to the credit bureaus the Principal as {$170000.00} XXXX. This has dropped my credit score, when contacting XXXX XXXX XXXX XXXX with the issues I was told this not reflected in their system and was questioned on IF this really happen. I am not sure if they are or have done anything to correct this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Montana XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report which I believe are inaccurate and violate several laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTACT ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 

The following items are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account Firstly, I dispute the accuracy of the information regarding the collection accounts for XXXX 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 been reported as collections, but I have no record of ever receiving any communication regarding these debts. I request proof of the debts and the attempts made to contact me regarding them. 

Secondly, the charge-off accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been reported inaccurately. These accounts were either settled or paid in full, and I request that the information on my credit report be updated to reflect this. 

Lastly, I dispute the collection account for XXXX XXXX XXXX XXXX XXXX. I have no record of ever having an account with this institution and I request proof of the debt and the attempts made to contact me regarding it. 

I request that you investigate these items and remove any inaccurate or incomplete information from my credit report. Please provide me with a written response detailing the results of your investigation and any actions taken. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Bank account or service

TD Bank Keeps Selectively Deciding what transactions to pay, and what transactions to reject causing numerous fees to be incurred .... TD should have just rejected sale when presented to be paid resulting in a declined transaction
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Personal Information that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Victim of Identity Theft. I have sent supporting documentation to XXXX, XXXX AND TRANSUNION but they ARE NOT removing and/or blocking the FRAUDULENT ITEMS from being reported to my Credit Report. Will you PLEASE forward my supporting documents to these companies and have them REMOVE the FRAUDULENT items from my report? 
** I fully intend on seeking legal actions due to their negligence ** The following Items have been submitted numerous times : Valid ID Copy SSN Proof of Address Police Report - local Police Report - federal List of Fraudulent items in reports FCRA 605B form
Product: Checking or savings account

I have my checking account and credit card account with citibank since XX/XX/2023. 

I am a new resident here in florida and I have a phone number from a non usual carrier which is XXXX 

My problem is that everytime ( and with citi is pretty often ) my account is blocked for security reasons they can not validate my account. 

They tell me that they will send a letter with a code instead which can take XXXX business days. 
( Meanwhile I have no access to my money ) I tried to call them a lot of times, and its almost impossible to solve it with them.
Product: Credit reporting or other personal consumer reports

Ive noticed there has been accounts listed under my credit report. I was skeptical about it when I seen it, I thought it was a glitch or accidentally posted on my credit. I notice it has been on my account for a while then I started seeing new accounts. I would like to know who open the accounts & also get these fraudulent accounts closed.