23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We were denied of a modification due to " not imminent default ''. Our income is less than halfthat when we got the loan. I lost my job due to medical reasons and I am filling for XXXXOur loan take 36 % of our income.
Product: Credit reporting, credit repair services, or other personal consumer reports

BACK IN XX/XX/2015 MY PURSE WAS STOLEN AT A CONVENIENCE STORE AND WAS NEVER RECOVERED. SO UPON CHECKING MY CREDIT REPORT I NOTICED MORE THEN ONE ITEM THAT DOES NOT BELONG TO ME AND NEVER HAS .THE FIRST REPORT I AM REFERRING TO IS MY EXPERIAN REPORT .YES I HAVE REACHED OUT TO THEM TO SEE ABOUT REMOVING THESE ITEMS FROM MY REPORT. IT SHOULD NOT BE A PROBLEM DO TO THE FACT THERE IS ALREADY A FRAUD ALERT ON MY REPORT. THE ITEMS ARE AS FOLLOWS. XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion received my correspondence on XX/XX/2023. I Never received an Investigation summary or report. 

( 1 ) TRANSUNION is in violation of my consumer rights, violating FCRA 611 ( a ) ( 1 ) ( A ). I have not received any WRITTEN response within the given 30 days of a reinvestigation. It has been beyond 45 days without any WRITTEN response from TRANSUNION on a thorough reinvestigation. 

( 2 ) TRANSUNION is in violation of my consumer rights, violating FCRA 611 ( a ) ( 2 ) ( A ). I never received " A Prompt Notice of Dispute '' in WRITTEN form at any time.

( 3 ) TRANSUNION is in violation of my consumer rights, violating FCRA 611 ( 5 ) ( A ) ( i ) ( ii ). The account that was requested to be physically verifiable was not ( i ) Promptly deleted or ( ii ) Promptly notified of modification or deletion. 

( 4 ) TRANSUNION is in violation of my consumer rights, violating FCRA 611 ( 6 ) ( A ) and ( B ) I have received NOTHING in writing from TRANSUNION and I have NEVER authorized any other communication besides " In Writing ''. 

TRANSUNION is completely incapable of providing CLEAR evidence that they are not in violation of the items stated above.
Product: Debt collection

XXXX XXXX @ XXXX at XXXX XXXX XXXX, XXXX NY, has made repeated belligerent and aggressive phone calls to my elderly mother who is in poor health. She is subsequently confused, annoyed and upset and we wish for this to stop.
Product: Credit reporting or other personal consumer reports

I have had a checking and savings account with XXXX XXXX  for several years. I recently got married and tried to add my husband to my account. We both have XXXX credit scores and no history of overdrawn accounts or NSF XXXX. 

When we submitted the form to add him, XXXX ran his " consumer score '' from ChexSystems. XXXX denied our request to add him to my account due to the consumer score reported by ChexSystems and said we would need to work with ChexSystems to understand drivers of the score and dispute errors, if any. 

Through several calls with ChexSystems we learned the main reason for the low score is that several soft credit pulls from his credit report are being picked up as " inquiries '' and causing a low " consumer score ''. After running his credit report, we identified several soft pulls that we did not initiate. As soft pulls are not an item that you can dispute with the credit agencies ( because it is possible for companies to pull your credit history without authorization for purposes of sending promotional material, etc. ), we do not have a way to remove these from his credit report. We therefore are unable to resolve the issue with the low " consumer score '' and are currently unable to add him to my accounts. 

ChexSystems has had difficulty articulating the reason for the low score and there is no path to challenge their use of soft credit pulls to harm our ability to access banking services.
Product: Mortgage

The bank worked with our builder to change terms of our mortgage and devalue our home by ~ {$90000.00} by changing line items in our budget without homeowner consent. They did this with documented manual budget overrides and ordering inspections to obligate us to pay the builder even though work was not complete, also reimbursing the builders for {$36000.00} of out-of-scope work, not agreed to by the homeowners. The bank executed loan modification agreements that were obtained through blackmail, as witnessed by the bank. We believe the bank did this in order to secure future business with the builder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had requested a copy of my personal information from " Equifax XXXX XXXX ''. I received a letter stating that I needed to provide " Proof of Identity '' and " Proof of Address ''.

I do not have any of the items listed under " Proof of Address '' but did submit a copy of my social security card and my valid drivers license, with my current address. 

I tried to call Equifax today but have spent over obe hour to no avail. One of the people I was transferred to admitted he was not located in the United States. 

HOW IS IT POSSIBLE THAT I CAN NOT GET A COPY OF MY OWN PRIVATE DATA BUT FOREIGN NATIONALS RESIDING OUTSIDE OF THE UNITED STATES CAN ACCESS MY INFORMATION. 

THIS BY A COMPANY THAT ALLOWED THE BIGGEST DATA BREACH IN HISTORY. 

I WANT MY INFORMATION AND I WANT TO KNOW EHO IT HAS BEEN PROVIDED TO.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I've reviewed my consumer report and found numerous hard inquiries that I do not recognize. The hard inquiries on my consumer report are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX within 4 business days.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies, incomplete information and also accounts that are UNVERIFIED OR ARE NOT PROPERLY VERIFIED on my credit report. According to the credit report act, section 611 ( 5 ) ( A ) of the FCRA those credit bureau are required to promptly DELETE all information that is inaccurate, incomplete and which can not be verified. They also violated 15 US code 1681 section 602 ( A ) section 2, and 15 US code 1681i5. I disputed several times those inaccuracies with those 3 credits bureau, and requested an update of my credit report. NOTHING HAD BEEN DONE.

THOSE 3 CREDIT BUREAUS KEEP VIOLATING THE FCRA and FDCPA LAWS By failing to do proper investigation during a dispute, and also always refused to provide the steps of their investigation. 
IT'S SEEMS LIKE KEEPING NEGATIVE UNVERIFIED CREDIT INFORMATION ON THE CONSUMER REPORT IS THE WAY FOR EQUIFAX, XXXX, XXXX TO MAKE MONEY. 
THIS IS A VIOLATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing about 5 credit accounts that I found out I had on XXXX. I have contacted the credit card company over and over. They all keep telling me that I knew about it and it is legit. That is bull. It could have been a number of people that could have done this. We helped people out all the time that stayed with us. We even found out a couple that we thought were true ended up being who knows who that gave us alias names and disappeared. And as far as the bills or statements go they say I got, I never have seen a one of them until now and it is because my husband isn't here anymore nor are his friends. But I can't prove anything but my word and my true story. I am tired of repeating. I just need to get these disputes done. Please help me. I can not afford their mistakes, whoever they are. I do have 2 credit cards now that I opened and I am paying for. I know about those. First National Collection Bureau , Inc . Contacted me re : creditor XXXX XXXX XXXX for the amount of XXXX. They also have my address wrong, somehow this statement ended up with my parents address on it. Don't know what is going on. They sent this letter XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I demanded updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your absence of reply, or responses which I categorize as frivolous, you have dishonoured FCRA regulations and my request for verification. If you request to correct this dishonour, I will give you one further chance to correct your faults and update my records. Please CORRECT the accounts, as they are already amended from the other bureaus. You have 30 days to CORRECT these accounts listed below : XXXX XXXX XXXX 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

I had three XXXX County, FL court dates in XXXX regarding old credit card debt. These accounts were purchased by a third- party collections agencies who posed as legal representatives for XXXX XXXX USA . However, XXXX XXXX sold the two credit card debts, as stated on my XXXX XXXX account. I went to court several times about this matter, filed motions to dismiss because the collections agencies were misrepresenting/posing as XXXX XXXX legal counsels, and was fighting the cases. Then the courts were shut down in mid-XXXX  XXXX ; with pending court dates. All civil cases are suspended until further notice due to COVID-19. A few days ago ; the collections agencies made new reportings to XXXX about the XXXX & XXXX credit card debt. They changed the last payment date that has/would re-set the statute of limitations of five years. I have filed dispute claims. I am requesting to file a complaint with this agency about the unethical tactics. ( 1 ) XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX brought this old credit card from XXXX ; this is a current dispute ( 2 ) XXXX CC XXXX This is also XXXX XXXX XXXX, XXXX posing as XXXX   XXXX XXXX  ( USA ) ; we currently in dispute ( 3 ) XXXX XXXX  XXXX This is Debski & Associates, PA posing XXXX  XXXX ( USA ) ; we are currently in dispute
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time of the transaction were authorized. however due to delaying posting of charges and credit. I was charged an unfairly charged overdraft fees. 
The issue appears consistent with recent finding by the CFPB which identified similar practices by Navy Federal credit Union where transactions settled with insufficient balances despite initially having adequate funds available. I believe these practices are unfair and deceptive.
Product: Mortgage

Reference the attached Mortgage Statement from Freedom Mortgage from XX/XX/XXXX shows a payment due of {$940.00} with XXXX balances for late fees and escrow. 

Reference the Final Payment attachment, {$940.00} was paid to FM on XX/XX/XXXX bringing my balance to {$0.00} for the mortgage. 

Reference the FM Fee attachment, FM requested, and I paid {$28.00}, in fees on XXXXXXXX Not really sure what that was for but it seemed like it was worth it to get FM to close out the loan and give me a canceled promissory note, updated deed of trust and certificate of satisfaction. FM has provided none of these. I would like a refund of {$28.00} or at least a description of what I paid for. 

Reference the first unsolicited Payoff Statement from FM dated XXXX XXXX, FM sent me a Payoff Statement showing that my final payment of {$940.00} was placed in " Less Unapplied Funds Balance of - {$940.00} and listed a Total Payoff Due of {$1600.00}. This document clearly illustrates that FM received my final payment and just didn't use it to make my final payment as listed in the attached Mortgage Statement from FM. I asked FM why they are you asking for {$1600.00} for a loan that has been paid in full? 

Reference the second unsolicited Payoff Statement from FM, it still shows that I have an unpaid principal, adds late fees to a loan that has been paid in full, adds Additional Items Due without explanation and no longer accounts for my payment in XXXX of {$940.00}, and requests a Total Payoff of {$1800.00} for, again, a loan that FM 's own records show has been PAID IN FULL. 

I asked FM tp please provide an explanation for why you are asking for additional money, what the fees listed in the Payoff Statements are for, where did my final payment of {$940.00} go in their last iteration of a closeout statement. I also asked that they lease provide a written response and a senior POC and phone number that can explain this mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed this account # XXXX with XXXX XXXX on ( 2 ) occassions over the last 9 months. I wrote to the creditor on XX/XX/XXXX as soon as I was aware that they were reporting an unknown account on my credit file ( see attachment # 1 copy of my letter ) I received no reply from the creditor therefore, I wrote a second letter on XX/XX/XXXX which is over the 45 days that they are required by law to respond ( see attachement # 2 copy of letter and certificate of mail receipt ) I received a reponse from the creditor on XX/XX/XXXX where the creditor stated that the account was sold to XXXX XXXX and that is whom I am to contact. I contacted XXXX XXXX who proceed to take of the fraudulent account from my ( 3 )  bureau credit files ( see copy of letter received from XXXX XXXX ) and had promised to make the ( 3 )   reporting bureaus aware On XXXX XXXX XXXX I reviewed my credit files accessed from XXXX XXXX ; XXXX and Equifax ( see attached copy of Equifax and XXXX XXXX credit reports ) and to my suprise I see that XXXX XXXX have resumed reporting this fraudulent account although I have disputed it with the company it was sold to and now it back reporting inaccurately on my credit files. I have been a victim of Identity Theft and pursuant to the FDCPA and FCRA I exercise my rights to full validation of this account which must include a written agreement bearing my signature and identification you used to process and open this account be sent to me via the CFPB portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are still reporting public records information to my credit reports that their public records vendor has CLEARLY removed. Please see enclosed notice from XXXX.
Product: Credit card or prepaid card

I used my card and purchased a home warranty then I have canceled it later, the consumer has sent me an email that they have refunded my card and I still have not received the refund on my card, I have filed the claim with Bank of America credit card on XX/XX/2020 and I still do not receive the refund back on the card. 
claim # XXXX filed XX/XX/2020 spoke to XXXX on XXXX spoke to XXXX XX/XX/XXXX spoke to XXXX on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hello. On XX/XX/year>, I received a credit card statement in the mail, for merchandise charged at a XXXX XXXX in XXXX, MN- with a Wells Fargo line of credit. The account # is XXXX XXXX XXXX XXXX. On my credit report, it shows as WELLS FARGO for the amount of {$4300.00}. Second, I also have been receiving text messages and phone calls from a XXXX XXXX XXXX XXXXXXXX group I believe. I never open them, nor do I answer them because I assumed it was obviously spam. Nonetheless, on my credit report I discovered the XXXX XXXX listing for the amount of {$2200.00}. This is also fraudulent. I am in the process of contacting all three credit reporting companies : XXXX, XXXX XXXX XXXX XXXX either by phone or online with the option to dispute these. I have also contacted Wells Fargo fraud, and successfully reported it. I have not, however, contacted XXXX at this time- but will attempt to. Thank you. 

XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file :XX/XX/XXXX, NC XXXX ;XX/XX/XXXX, NC XXXX XX/XX/XXXX ; XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XX/XX/XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XX/XX/XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XX/XX/XXXXXX/XX/XXXX ; XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is a direct violation to 15 USC 1681n, 15 USC 1681o, 15 USC 1681e, 15 USC 1681a2b, and IRS Publication 4681. I have been disputing this fraudulent account for years and it has been extremely difficult, damaging and hurtful. Not only is this not my account all three bureaus have conflicting information from, account type, date opened, payment status, comments, and payment history. Because companies can not keep my information safe, I have been a victim of multiple breeches, fraud, and other identity violations. I have suffered, denial of credit, increased cost of credit like paying XXXX  % interest for a small personal loan, and lost opportunity to obtain credit. I have suffered damage to my personal and professional reputation, derogatory info sent to insurers, creditors, banks, and employers. I've also suffered damage to my reputation among my peers ; loss of financial independence ; loss of self-esteem, being personally violated, and continuous harassment and invasions of privacy. Not to mention the emotional distress, embarrassment, and frustration of being denied credit, having to explain errors on the credit report, knowing that false information is being reported, physical symptoms : headache, loss of sleep, nausea, crying, irritable ; interference with normal and usual activities ( time spent trying to fix errors, get credit, review reports, interference with work, distracted, inability to concentrate. ) I am currently trying to get a new job and a new home, and this has come up yet again threatening my personal and professional wellbeing. This is absolutely total defamation of my character and humiliating to have to explain. This is also in violation of Fair Credit Act and Fair Debt Collection Practices Act, Public Law 111-203 ; Title X ; 124 Stat 2092. Please remove this off all my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is an account that I acquired due to a student loan. It is currently reporting as an unknown item on my credit report. They are three different accounts. I have asked that they be combined, but they have stated that they are unable to combine them into one account. Therefore, for the last four months I have been making payments to all three accounts. {$100.00}, {$25.00} and {$25.00}. I was only able to afford {$200.00} extra in my budget. But the payments have come consistently and they have accepted them. Not only have I paid them for the last four months consistently, it has come at the same time every month. 

After the second payment, I received an alert that the account was reported as negative again. This alarmed me because I had made two payments consistently. I contacted XXXX and asked why they hadnt reported making payments or paid as agreed. They informed me that the credit bureaus needed to report it that way. But after the third month, it again reported it the same way -- -- a negative status. 

Not only have I reached out to XXXX regarding this, but I have also reached out to the three major credit bureaus. They only report the payment going lower and not the payment itself. 

This reporting has caused my credit report to continue to decline in numbers. I am requesting that this be resolved immediately. The payment should be as follows : XXXX. XXXX -- - XXXX XXXX/XXXX/XXXX {$25.00} XXXX. XXXX -- - XXXX XXXX/XXXX/XXXX {$25.00} XXXX. XXXX -- XXXX XXXX {$100.00} In addition, this is reported wrong. It should be categorized as a student loan, not other.
Product: Debt collection

The debt collector called my personal cell phone and I explained I didn't have the money to pay. I then blocked them so they started calling my place of employment. This requires them to connect through a receptionist who is now informed of my debt. After calling my employer numerous times ( around once/twice a week over last couple months ) I called them back ( 3 ) times and asked them to remove the number from their calling list. The gentleman answering the call continued to talk over me and tell me they will stop when I give them their money. The most recent call received was today XX/XX/2020 at XXXX XXXX