23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 
Now these creditors that were showing on my credit report they were removed but now they are trying to pursue for collections activities. These accounts were opened without my authorization and ALL COLLECTIONS ACCOUNTS must be removed immediately!
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against " XXXX XXXX '', " XXXX '', " Equifax '' & " XXXX '' regarding their failure to address and rectify inaccuracies with the required XXXX timeframe, as stipulated by the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX I submitted a dispute with " XXXX '', " Equifax '' & " XXXX '' regarding " XXXX XXXX '' reporting numerous inaccuracies on my credit report. Specifically, I detailed the discrepancies that XXXX XXXX has been reporting to the XXXX major credit bureaus. These include inconsistent last activity dates, irregular payment histories, and the omission of timely payments on XX/XX/XXXX, to Equifax while failing to provide corresponding records to XXXX and XXXX. 

Furthermore, XXXX XXXX has erroneously marked my account for late payments. I hereby demand documented proof of any late payments attributed to my account. Should XXXX XXXX fail to provide such evidence, I insist that ny account be updated to reflect " paid as agreed '' Despite the aforementioned discrepancies and violations, XXXX, Equifax, XXXX & XXXX XXXX, has failed to respond within the mandated XXXX period, as outlined by the FCRA. This failure is unacceptable and warrants immediate action from the Consumer Financial Protection Bureau ( CFPB ).

I hereby request that this matter be escalated, and a thorough investigation be conducted into XXXX, Equifax, XXXX & XXXX XXXXXXXX XXXX reporting practices. I demand that XXXX XXXXXXXX provide documented proof for any alleged late payments and promptly remove this erroneous account from my credit report.

I appreciate your attention to this matter and expect a swift and satisfactory resolution. Please do not hesitate to contact me if further information is require.

I also demand that this resolution gets handled on XXXX  and not outside of it for documented proof.
Product: Credit reporting or other personal consumer reports

I reached out to the credit bureaus in regards to an account that they are reporting illegally on my credit report.This account has to be deleted immediately : ( Account Name : XXXX Mortgage XXXX - Account Number : XXXX ) Re : Violation of Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) - Request for Deletion of Unauthorized Account I am writing to bring to your attention a serious matter concerning an account on my credit report, which I believe is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically, 15 USC 1681 ( a ) ( 2 ) ( B ). Furthermore, I wish to highlight certain provisions of the Truth in Lending Act ( TILA ), specifically, 15 USC 1602 ( g ) and 15 USC 1681n, which have been transgressed in this matter. 

XXXX XXXX XXXX XXXX XXXX, failed to comply with these obligations by not disclosing to me, as a consumer, the required information about the disclosure of my nonpublic personal information to affiliated and non-affiliated third parties. Additionally, they did not provide an explanation of how I, as the consumer, could exercise the nondisclosure option, as mandated by federal law.
Product: Mortgage

I'm unsure this is the proper location to submit my complaint. 

BSI Financial is the primary lender on our residential property XXXX XXXXXXXX XXXX XXXX, XXXX, CA XXXX. They've held onto funds for an insurance claim we've had since XX/XX/2022. We can not get them to release funds despite their final inspection being complete, us jumping through the hoops only to find there's something incorrect. There's little to no communication from them. Our contact never answers. Her line is always full. The phone center won't release alot of information and yet their website says docs are rejected but doesn't show what is rejected. 

We have put out over {$50000.00} and they have receipts, releases, etc and a complete inspection. We need the funds as we are paying out on our credit cards XXXX % in interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to new CRA guidelines public records in the form of tax liens should possess the following information DOB and/or SSN. This information is not being accurately reported on my credit report and is therefore out of compliance. I would like for this tax lien dated XXXX/2016 to be deleted from my file. I have disputed this at least ( 4 ) times. Attached is a copy of the tax which clearly shows the tax lien does n't reflect my SSN or DOB.
Product: Mortgage

I need assistance with keeping my home AND my Servicer may attempt to sell it without due process. I would like your help in resolving an issue with my mortgage servicer. XXXX XXXX XXXX XXXX XXXX XXXX sold my home Loan to Carrington Mortgage Services ( CMS ) in XX/XX/XXXX At the time, I was in the midst of a Loan modification application, I had sent in requested documents but XXXX had not made a determination one way or another.
CMS sent me a notice denying my application and giving me an option to appeal by XX/XX/XXXX. However, in the same packet there was another notice informing me that I was approved for Home liquidation options and if I had applied because I wanted to keep my home I have untilXX/XX/XXXXto signify that I am interested in Home Liquidation ( otherwise CMS will put the home in foreclosure and I will no longer have any options open to me like Short sale or Deed in Lieu ). CMS is attempting to railroad me into getting into a liquidation because the date for liquidation options is earlier than for Modification appeal.
The reason CMS gave for denying my application for modification is that I did not meet seasoning requirements - the loan has to be at least 12 months old and there have to be at least 4 payments made on the loan. I appealed the decision immediately because my loan was made in XX/XX/XXXXand I have about 60 payments made on the loan. Clearly, I meet the seasoning requirements. Carrington had a gentleman, XXXX from the Escalation team call me and explain that the reason on the letter was not the real reason I was denied and I just did not meet the criteria and the only option I have is to sell the house or hand it to them in a " Deed in Lieu ''.
I would also like to add that CMS sent my first mortgage statement to me and increased my mortgage payment by $ XXXX monthly, right out of the gate.
It is instructive that the Ohio state Attorney General and Department of Commerce jointly sued CMS alleging it did not provide modifications in the state as required under a XX/XX/XXXXagreement. According to their settlement, CMS will assign a single point of contact at the firm to work with borrowers who apply for a modification. The servicer will also implement a specific timeline for all requests, and it will suspend the foreclosure process while a loan is being evaluated for a workout. Internal reviews will also be set up for denied modifications. CMS also agreed to provide relief to 60 Ohio homeowners that involve loans to which Carrington acquired the servicing rights to in XX/XX/XXXX. CMS has not done any of these things with my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I HAVE NO IDEA AS TO WHO WAS ABLE TO GAIN ACCESS TO ME PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WITH MY PERSONAL INFORMATION AND I DID ALL THAT I COULD DO TO AVOID THIS TYPE OF THING FROM HAPPENING TO ME.THIS SITUATION HAS BECOME VERY STRESSFUL TO ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Debt collection

I am writing to bring to your attention a pressing matter involving XXXX XXXX XXXX and a late payment discrepancy that has adversely impacted my credit. I believe XXXX has failed to uphold their commitment to rectify this issue, and I am seeking your assistance to ensure a resolution. 

In XX/XX/2023, I purchased a vehicle from XXXX and promptly informed them of my change of address within the first XXXX months. Approximately 45 days after the purchase, I realized I had not received a billing statement. Concerned, I contacted XXXX to inquire about the status of my payments. To my surprise, I was informed that no payment had been received. 

Upon escalating the matter to a supervisor, I was informed that XXXX had experienced a software glitch the previous month, affecting both payments and statements. Despite being assured that the late payment would be removed as a courtesy, I recently discovered that it still reflects on my credit report as of XX/XX/2023. 

XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2023 Balance : {$51000.00} Late XXXX I kindly request your intervention to prompt XXXX XXXX XXXX to honor their commitment and rectify this discrepancy promptly. I believe their failure to uphold their word has negatively impacted my credit score, and I seek your assistance in ensuring they follow through with their commitment. 

Enclosed with this letter, please find relevant documentation supporting my claims, including proof of address change notification and previous communication with XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts be blocked and deleted from my credit report, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these accounts from my credit file due to fraudulent activity or unauthorized use resulting from the breach of my personal data.

The following accounts should be blocked and deleted : Accounts : XXXX. XXXX XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$11000.00} XXXX XXXX XXXXL Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$140.00} XXXX. XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$1700.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$1700.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$360.00} XXXX. XXXX Account XXXX : XXXX, Date : XX/XX/XXXX, Amount : {$360.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$410.00} XXXX. XXXX Account XXXX : XXXX, Date : XX/XX/XXXX, Amount : {$7100.00}
Product: Bank account or service

On XXXX I went on line to check my bank accounts with 5/3 bank and observed an electronic check withdrawal from my savings account that I had not authorized. I immediately called to report the fraudulent activity with customer service and was told to go in person to file a domestic collections package. The same morning I went to the branch and closed all accounts, issued new account numbers and changed passwords, etc. ALso filed a police report. Was advised the process could take XXXX days to resolce. I have dutifully called the bank and receive the same response, the other bank ( XXXX XXXX ) is still investigating. I feel helpless and XXXX days later, still no money. I do not know the person who made the electronic withdrawal nor do I have any affiliation with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I requested Transunion to investigate an unjustified 12 point drop in my score which dropped my score from XXXX to XXXX. The 12-point drop occurred after a credit card debt and utilization DECREASE. I thoroughly investigated my report to determine the reason for the drop but there was no legitimate justification. After asking Transunion to investigate and correct this error, they, instead, removed the account without my permission resulting in a 36 point decrease lowering my current score to XXXX.
Product: Vehicle loan or lease

My car was repossessed but theyre telling me it wasnt. I posted a down payment along with an additional XXXX to cover my monthly payments for the following months, however the dealer failed to provide my additional payment into my paperwork so now it seems as if I broke my contract when the dealer and bank is acting of out bad faith. I went through XXXX XXXX XXXX XXXX XXXX and the bank that provided the loan goes by Westlake Financial XXXX
Product: Money transfer, virtual currency, or money service

I have had my apple account for years and have added money to my account to purchase from apps on my phone NUMEROUS times over the years. All of the sudden for no reason ( as nothing has changed ) apple disabled my Apple ID and they said it was permanent and despite talking to 6 people over 5 days no one will tell me why. They said they dont have any info and the decision is final. They refuse to provide me with a way to contact the people who made the decision so I can find out why. MORE IMPORTANTLY I have XXXX on my apple account that I just added this past week and I have the transaction from my bank to prove it. This was a direct purchase to my anpple anccount from my bank, not a gift card. Apple is telling me too bad. That apparently because they disabled my id there is no way I can get MY MONEY back. Isnt that outright theft? Not to mention I will also lose almost XXXX XXXX songs that I have purchased over the many years I have had this account. Each song is from XXXX to XXXX each!!! When I XXXX  this, it looks like this is a common practice of apple which is clearly making them a ton of extra money in stolen funds.
Product: Debt collection

Hello, I received a call on Friday, XX/XX/2020 and the caller said he was XXXX XXXX from XXXX XXXX ( this is my car insurance office ). He asked three times if I was XXXX XXXX and I said yes, I am -- then the call hung up. I called the number and got Portfolio Recovery Service. Then I called my XXXX XXXX office and confirmed I had not received a call from them. 
The caller misidentified himself on purpose in order to confirm my phone number is correct ; isn't this illegal? 

Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

All three companies make it impossible for me to access my credit report via XXXX XXXX XXXXXXXX This has been going on for YEARS ever since I moved to a XXXX XXXX XXXX Every time I apply, the web site says unable to comply and to send my request via mail. I have been waiting more than 12 weeks for them to respond. This has happened EVERY year since XXXX Please get all three to allow me to access my credit reports via XXXX XXXX XXXX/ Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

i was affected by the Equifax Data Breach. This is a unauthorized account that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX to XXXX their were several fraudulent accounts opened using my personal information with out my consent. I am in desperate need of these accounts being removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I disputed several accounts on my report with Experian, XXXX, and XXXX. Each of these Bureaus are reporting closed accounts with current open balances and current late payments. I disputed each of these accounts with all 3 Bureaus as I have no knowledge of these accounts nor am I responsible for any of these accounts. All 3 Bureaus claim to have investigated and replied online that the accounts were verified as belonging to me. This is false and inaccurate and in addition to that all 3 Bureaus continue to report late payments as well as open balances listed under original creditors with late payments as of XX/XX/2023 on one page, then on another page stating that I dont have any open accounts. They are also reporting accounts listed as in collections and charge-offs with the original creditors as well as the collection agencies. Ive also been informed that I can not dispute further on these accounts because its been determined that these accounts are mine although I continue to deny knowledge of ANY of these accounts. By these Bureaus continuing to report in such way they have caused and continue to cause hardship for me due to their false reporting and taking someone else 's word for these accounts that I deny knowledge and responsibility of.
Product: Money transfer, virtual currency, or money service

I initiated a bank wire transfer on XX/XX/XXXX. The status of my bank wire stated pending up until Tuesday evening when it stated the status of my wire was " complete ''. I 've sent several emails to Coinbase ( the company in question ) and the only response I 've received was someone saying my issue has been resolved when it certainly has not been resolved. Almost a 2 thousand dollar is transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX Charged off but I never had a account with XXXX  XXXX XXXX. This account is due to fraud that someone else put in my name that I have no knowledge of. It was removed off of my report due to the Identity Theft but now this account just recently showed up as a charged on my credit report again. I would like this removed immediately. The amount claimed to be charged off is {$4300.00}. The date that this account is reporting to be open was XX/XX/2016
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.

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

rivacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I had 20 student loans with XXXX XXXX in forbearance. XXXX XXXX and XXXX split and 10 of  my loans somehow defaulted. XXXX XXXX did an investigation and stated they made a mistake but I would need to send certified letter to XXXX to buy back loans. XXXX refused to buy back the loans from XXXX XXXX. So I had NO CHOICE but to do a consolidation with XXXX XXXX XXXX. Now on my credit report these loans are showing NEGATIVELY 120 days late which they were not!!! I have spoken to XXXX and they are unwilling to update the status to NEVER LATE. XXXX XXXX " has no record ''. I filed a dispute with all 3 credit bureaus and they came back " accurate information '' which is not correct. I have ALL OF THESE ACCOUNTS COUNTING AGAINST MY CREDIT!! Please help!! I am asking for the XXXX and XXXX XXXX loans to either change their status to paid never late so they can reflect POSITIVELY or REMOVE them totally from my file. They are paid and closed but still affecting my credit negatively to no fault of my own! XXXX XXXX should have never been on there and would not have been if XXXX XXXX hadn't made a mistake so I am asking to REMOVE that account totally. Basically I have 4 different groups reporting the same monies. My loans are in good standing  with XXXX  XXXX XXXX. I have attached 2 of the 3 credit reports as XXXX is about 30 pages  long. You will see the same account numbers and 20 to 30 accounts for the same monies. This is the biggest hit to my credit score and it's really not fair. I am trying to purchase my first home and this will prevent me from doing so. XXXX 's devious tactics can not continue to ruin people 's lives. After I disputed XXXX started reporting the XXXX XXXX loans under them which had been reporting under XXXX XXXX all this time. Please help and Thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I'm filing this complaint because the credit bureaus are not reporting the status of a couple accounts on my personal credit report. For the past 6 months I've been disputing with the bureaus that the XXXX XXXX Bank and XXXX XXXX XXXX XXXX XXXX negative marks are inaccurate. These two errors are causing me to be denied for credit and also it is affect my credit payment history. I would like for the bureaus to delete this misinformation from my credit report immediately.
Product: Mortgage

Delay from Chase in making a decision on my loan modification. I have been trying to get a decision for 6 months and every time I call they come back with another question or XXXX from " underwriting '' and than say the will get back to me in another 30 days if they have more questions.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied what I thought was a chase sapphire preferred credit card. Unfortunately, in error, I applied for the Chase Sapphire Reserve credit card. I immediately discovered my error and called Chase Credit Card Service and told them of my mistake. The agent told me that I could change the product with no problem, just call back with in 48 hours when the account is set up. I called again on XX/XX/XXXX and spoke with an agent that said I could not cancel or change the card. I then asked for a supervisor who again denied my request and said the agent from the night before was incorrect. I then spoke with a manager who again said they could not change the product but could reject the credit card which will hit my credit rating. I opted to reject the card. 
My complaint is that there should be a grace period of at the very least 24 hours to correct a mistake. There has to be a regulation of some sort.
Product: Credit card or prepaid card

I have unauthorized accounts & inquiries on my report and would like it to be removed according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed!
Product: Credit reporting or other personal consumer reports

XXXX : # XXXXXXXX XXXX XXXX XXXX  XXXX, has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this US Department of Education account through all three credit bureaus. They all came back and stated that they " verified '' the information. I went directly to XXXX who was the alleged " reporting third party '' and they found that this account could not be verified and have since deleted it. However, the credit bureaus are still reporting this information as " accurate '' and defaming my character.
Product: Debt collection

The Telephone Consumer Protection Act of 1991 ( TCPA ) was passed by the United States Congress in 1991 and signed into law by President George H. W. Bush as Public Law 102-243. ... The TCPA limits the use of automatic dialing systems, artificial or prerecorded voice messages, SMS text messages, and fax machines.