23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

After filing complaint ID # XXXX-XXXX  on XX/XX/XXXX with your agency against USAA Federal Savings Bank and receiving their response to your agency from your agency, which was not satisfactory in relation to the complaint ( dispute ), I then requested through their USAA Credit Card Agreement Arbitration Addendum, which is part of the credit card agreement, to start the arbitration process through filing with XXXX XXXX XXXX, as their administrator. I sent this request following USAA 's written process through USAA 's General Counsel using USPS certified/return receipt mailing to both entities. As of today 's date XX/XX/XXXX, there has been no response to the request for arbitration for USAA disputes and claims to be resolved. This is mandatory arbitration included in their credit card agreement which precludes me, the credit card holder from pursuing litigation either in small claims/civil court or filing a class-action lawsuit until this process has commenced. Their refusal to acknowledge the request to proceed with arbitration through XXXX  appears to be a purposeful tactic to stall civil litigation. 

Additionally, I requested through the USAA credit card contract page 24 that USAA informs the credit bureaus ( 3 ) that this account contained within the complaint number referenced above to be reported as disputed due to fraud and my statement be included in their monthly reporting. I wrote to the USAA/Consumer Report Dispute department as they have referenced in their CC agreement, mailed this certified/return receipt USPS again with no response as of XX/XX/XXXX. 

USAA is not following their own internal banking guidelines and procedures they themselves have set forth in their Banking/Credit Card Agreement, and if this is the case, since there has been no written, digital or oral response to the above-referenced requests, I would through your agency request the ability to move forward with civil litigation against USAA Federal Saving Bank, since their mandatory credit card arbitration through ( XXXX  ) XXXX XXXX XXXX has not been followed through on their companies part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these acounts that are not mine and i want them to be removed. 


1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft 01 SYNCHRONY BANK Account Number : XXXX This is not mine.
Product: Debt collection

I was in a student loan rehabilitation plan with FH Cann from XXXX 2014 until XXXX 2014. During the loan rehabilitation program FH Cann illegally added excess fees and collection costs to my student loans. FH Cann also did not disloce where my payments were allocated to. FH Cann is engaging in illegal debt collection tactics by adding excessive and illegal fees and collection costs to people who are trying to rehab their student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXXXXX XXXX XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Mortgage

Caliber Home Loans has refused to deal with me regarding my mortgage loan delinquency and impending foreclosure. I have been trying to get Caliber to provide me with assistance on our home mortgage, but they have turned their backs on our situation and we are going to end up losing our home through foreclosure if things keep going this way. My wife and I went through some very difficult times in our relationship and ended up separating. During this time we fell behind on our mortgage and were not able to get things back on track quickly. Fortunately, we are back on our feet and can now afford the mortgage payment. However, when I attempted to work with Caliber, they simply ignored my requests for assistance and now I am in a situation where we may lose our home through foreclosure. I have XXXX young daughters and nowhere to go if we are kicked into the streets. Our backs were against the wall and the agents at Caliber couldn't care less. 

We have asked for a loan modification but it seems they can not get their process together well enough for us to finish the process. I would even take a forbearance agreement to give my family a chance to get caught up, but Caliber has closed the door on that option. I have tried repeatedly to get Caliber to provide us with a solution through a modification, but they are refusing to open a review for assistance. We believe that we have the right to have our loan reviewed for retention options and to obtain a mortgage statement. Their representatives just want to get us off the phone and will engage in discussions to save our home, even though our mortgage loan clearly qualifies for a modification based on the government guidelines. We have never had a single point of contact and we are very frustrated. The end result appears that we will just lose our home through foreclosure unless you can step on and ensure that they service our loan properly. Your agency has made the parameters of loan servicing very clear and we refuse to lose our home through foreclosure because Caliber is failing to properly review our loan for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
XXXX XXXX XXXX  Balance : {$990.00} This item is unknown to me. Also, the information you provided on this item is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some item is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : A. the information was blocked in error or a block was requested by the consumer in error ; B. the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Again, the item I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from the alleged identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

i HAVE SOME REPEAT INQUIRES ON MY CREDIT REPORT WITH ACCOUNTS I NEVER APPLIED FOR! THERE IS A XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX? I AM NOT SURE IF IT WAS ANOTHER XXXX XXXX BEING CONFUSED WITH ME OR SOMEONE USING MY PERSONAL INFORMATION. PLEASE FORWARD ME A COPY OF ANY APPLICATION RECORDS ON FILE THESE ARE UNAUTHORIZED INQUIRIES.
Product: Payday loan, title loan, or personal loan

I was called and offered a XXXX dollar loan that I've been needing to help with bills. They deposited XXXX dollars into my account and they wanted me to buy 2 XXXX XXXX cards to put this money on too and send them the card information which I already have done. I filled out a loan agreement with my signature as well. Along with sending them my bank information.
Product: Checking or savings account

Date : XX/XX/XXXX Amount : {$150.00} Action : Booked a few nights a XXXX  ( XXXX XXXX XXXX XXXX XXXX & XXXX ex, XXXX, XXXX, GA XXXX ), checked in but the location did not seem safe so checked out within 5 minutes and cancelled booking with booking agency. They were to have refunded me but didn't have any luck with getting the money either and I'd received an e-mail to contact the merchant. Contacted and spoke with merchant and still never received the refund. Opened a dispute with the bank no luck, was told that he offered compelling evidence ( was never contacted to provide proof ). Opened another dispute with bank and was to have faxed the e-mail from booking agency but never got the chance.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!! 

Listed below are the Accounts that are being challenged : XXXX XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX below are the Inquiries that are being challenged : INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I see that TransUnion, XXXX, and XXXX are reporting XXXX & XXXX somewhat negatively on my consumer reports without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my reports even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. TransUnion, XXXX, and XXXX are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TransUnion, XXXX, and XXXX are not maintaining reasonable procedures.
Product: Debt collection

This now my 3rd or 4th complaint and the first revealed that Ditech had no record of a debt attached to the phone number they have been calling but yet the calls continue. Today when checked my answering machine there were 2 more. I guess I really need to just start logging these because what, it 's worth a XXXX or so per call and notification and confirmation on debt exists has been well documented on this site!
Product: Credit card or prepaid card

I received a " XXXX '' prepaid debit account and card that I never applied for. I did have a fraudulent unemployment claim filed in my name that I reported earlier in the year. The card bank is American express national bank and it has a bank account and routing number associated.
Product: Mortgage

My mortgage was with Greentree Servicing and recently changed to Ditech Financial LLC I received a letter from the foreclosure attorney XXXX XXXX XXXX stating they were going to foreclose on my property XX/XX/XXXX the letter is dated XX/XX/XXXX and the sale is set for less than thirty days. I understand by Law I 'm suppose to a receive a 30 day notice before the sale was set. I submitted a modification request and financials to Green Tree Servicing several times they have been unwilling to work with me, and now I have a new mortgage company Dietech. I want to keep my house, please help me.
Product: Credit reporting or other personal consumer reports

XXXX, Tuesday XX/XX/2024, I reviewed my Experian credit report on line and I saw some wrong information. Therefore when I was given the online option to file a dispute and correction to my report, I was able to do so on one of the two credit entries that I identified as incorrect. The reason I was unable to correct the other disputed account is because the Experian screen did not display that account even though it is on my credit report. I tried three times unsuccessfully. This is when I was alerted that the disputed account is not an error, but a fraudulent use of my credit profile. Therefore, I called the Experian phone number to dispute credit entries. Again I ran into a frustrating experience with their automated system. Even when I entered the requested information on my phone 's keypad the response was to repeat the entry. After another forty minutes of this system malfunction including programmed refusal to be connected with a human being I decided to file a complaint. This type of unethical customer service where businesses are abusing use of their automated systems should be stopped. I also found it highly suspicious that the fraudulent account was not displayed on the Experian screen where I could enter my dispute. But it is displayed on my credit report and used to evaluate my credit score. I have attached a copy of the fraudulent account on my credit profile and I demand that Experian remove it immediately. I never opened this account and have no knowledge about it.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following is a report of a mortgage initially opened on XX/XX/XXXX with JP Morgan Chase Mortgage. The mortgage was closed and paid in full on XX/XX/XXXX. 

On XX/XX/XXXX ( one year after the loan was paid in full ) JP Morgan Chase reported two greater than 30 day late payments that they report occurred in XX/XX/XXXX and XX/XX/XXXX. We did not make these payments past the due date. 

We have been damaged by higher insurance rates and credit costs as a result of their defamatory reports. 

JPMCB - HOME LENDING  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
DEPT OF EDXXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX  XXXX Balance : {$0.00} ; XXXX-XXXX XXXX XXXX Balance : {$12000.00} XXXX
Product: Credit reporting

There is no information of this account on my credit report other than the fact its a negative account in the amount of {$44.00} which is impossible because I have full coverage health insurance and have paid all my co-pays in office. This was deleted off XXXX for this reason after their investigation but Equifax has ignored my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Vehicle loan or lease

The account was sold I disputed it and added it to my bankruptcy and its still on my credit record it also have in accurate dates as well on the account
Product: Student loan

Subject : Verification of Employer for Public Service Loan Forgiveness ref Acct # XXXX XXXX XXXX I have continuously called and spoke with their loan thats been administered by Fed Loan Serving. At this point, I have been faithfully serving the state of Texas for nearly 20 years and taking care of my student loans and Public Service Loan Forgiveness ( PSLF ) applications. I have submitted several student loan forgiveness applications only to be told that its under review and its been under review for more than six months. Also, when analyzing my profile there are some payments as well as some of my state service that is not listed correctly. I submitted a request to get the account analyzed again and was told that someone would call me back. However, no one is phoning me back I have called into the customer service department a tremendous number of times! I have emailed and I have escalated the email correspondence and I am getting the runaround. I having the student loans on my credit is hindering my ability to apply for loans and I feel like I have satisfy the terms and conditions just as many others have mentioned and I am not being treated fairly and just by FedLoan Servicing they are basically ignoring my request.
Product: Mortgage

Freedom mortgage on XX/XX/2020 paid property taxes on the wrong parcel out of my escrow account. Refused to request refund from county to correct issue. Now has taken XXXX years at this point with no resolution. To cover their tracks they sold the loan to nationstar ( XXXX XXXX ) XXXX XXXX paid the overdue taxes to county. However the misappropriation of escrow funds has not ever been returned into escrow from Freedom Mortgage. Leaving my current escrow short exactly the same amount XXXX misappropriated the escrow to someone elses taxes. 
Nothing but excuses from freedom mortgage. Always needing more time. Never get a mortgage from them or have them service the account. They dont seem to know what theyre doing. Always another departments problem. No true escalation or contact of any management. They run you in circles.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands so the wrong person.