23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I opened my e-mail from my citi cards account to be informed that the line of credit on my account was being reduced from {$24000.00} to {$21000.00} and the stated reason was that I had big balances on other bank credit card accounts. I have had the citi card since XX/XX/XXXX, and with the exception of XX/XX/XXXX, I have paid my account in full or in an amount exceeding the minimum payment each month before the due date. Last month I was visiting friends in the Florida XXXX when I mailed my citi card payment on XX/XX/XXXX, but the payment was not credited to my account until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am a consumer in which a loan modification for a mortgage was executed with me as the co-borrower and I was unaware of the transaction and it is unsigned and incomplete mortgage loan modification agreement executed on XX/XX/year>. 

The agreement was signed by only XXXX borrower, XXXX XXXX, and not XXXX XXXX [ XXXX ], despite the requirement that both borrowers ' signatures are necessary for a legally binding contract. The loan documents provided by email from Mr Cooper show there is no signature or date for XXXX XXXX and in fact, there is an X where a signature should be required. This omission of material information and mutual agreement, coupled with the potentially fraudulent information and aggravated identity theft may constitute a deceptive and unfair trade practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 and several dates before this. Experian is not acknowledging my correct address at XXXX XXXX way where I have lived for 3 years as a home owner. The FICO score on my XXXX erroneously shows XXXX. The score should be around XXXX.
Product: Mortgage

Georgia Homeowner Assistance Fund/ ( GA HAF ) reached out to Mr. Cooper on XXXX XX/XX/2023 for mortgage validation. GA HAF has not received a response to their inquiry from Mr. Cooper for ( loan number XXXX ). Validation of our mortgage with the GA HAF would bring our mortgage account to current and non delinquent if approved.
Product: Mortgage

I closed on my property in XX/XX/2022. The title company sent the check to PHH mortgage. Apparently the check was {$210.00} short. Instead of notifying the title company or anyone else for that matter, they have piled fees that continue accruing. Meanwhile, the new owners are in the home, etc. Im being charged for delinquent payments, home insurance, etc. The title company had to hire an attorney. I have no clue where this leaves me as the person on the mortgage. Not to mention my credit. They are evasive, dishonest, criminals. How are the new owners in the home since XXXX, and we both have insurance and mortgages on the same home??? They have their home owners. Im being charged home owners. Theyre paying on a VA mortgage for the house . Im being charged a mortgage on the house????????? Fraudulent. Blatant. Deceptive.
Product: Credit reporting or other personal consumer reports

equifax has a lot of my personal information is incorrect.
Product: Debt collection

Triverity Representative XXXX XXXX placed a call to my ex-spouse indicating that I had a debt and needed to contact them. I called and left a VM ( recorded ) on XX/XX/year> at XXXX XXXX asking them to cease communications with me and my family and friends who they had been reaching out to. 

Today, XXXX XXXX called at I have her voicemail to my ex husband, he sent it to me. These people are harassing me.
Product: Checking or savings account

XXXX XXXX  opened an account without my consent or knowledge. On XX/XX/2023, I received a debit card in my home mail for a new bank account with them. I do not have any account or services with XXXX XXXX  and I have never had them and I am not interested in having any account with XXXX XXXX. 

I want to make the claim that XXXX XXXX  opened said account without my knowledge and this is identity theft on their part. Since I have never provided my personal information to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, I really appreciate you taking the time to help me get this straight. there are some mistakes on my report that need to be fixed. 

Reinvestigate the completences of every place of information and if its not accurate, please remove it from my credit report. 



THANK YOU
Product: Debt collection

I keep getting calls from debt company 's even after I change my phone number they get it and call me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a secondary complaint to Complaint # XXXX, since nobody at the CFPB or TransUnion actually read the detail of that first complaint. Maybe if I dumb this down a bit it will be easier to comprehend, understand, and resolve. 

I have requested method of verification from TransUnion three times and have not received it yet. I just keep getting generic responses that my disputes were validated. Who holds credit bureaus accountable? This is a clear, straight-forward violation of the FCRA and nobody is doing anything about it. 

Credit bureaus are required by law, in accordance with Section 611 ( a ) ( 6 ) and ( 7 ) of the Fair Credit Reporting Act ( FCRA ), to provide consumers with the method of verification and description of the procedures used to determine the accuracy and completeness of their investigation into disputed information, WITHIN 15 DAYS of request by a consumer. I requested this three times now, the first time being two months ago, to no avail. 

TransUnion : If you can not provide me with method of verification and description of the procedures used to determine the accuracy and completeness of my disputed information WITHIN 15 DAYS OF MY ORIGINAL REQUEST, you MUST delete the disputed information. 

I am making this request publicly viewable, as I hope others out there can learn from my experience and know your rights under the FCRA. We need to work together to hold credit reporting agencies accountable!
Product: Credit card

Citi does not provide a means to cancel a credit card on their website, nor do they provide any information on how to do so anywhere in their FAQ 's, etc. It is very easy to open a card and there is plenty of information on how to do so. I do n't see why this is allowed - if it is this easy to open an account then why is it not easy to close one? Why is there no information provided? This is a card I do n't use with a XXXX balance and simply do not want to be charged a fee for it. I ca n't think of other products where this is acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is I am filing a complaint on my own behalf I am not a party or an attorney. I have a few accounts that are showing me at XXXX days late and at the time my income was affected by the XXXX shutdown. I am aware that the CARESACTwas allowing for consumer protection under the CARES Act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX # XXXX dates XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX LATE # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX late pays I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX Phone : XXXX Email : XXXX Date : XX/XX/year>2025 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Equifax for Fraudulent Reporting Dear CFPB Team, I am writing to formally file a complaint against Equifax for fraudulently reporting negative information on my credit report and misrepresenting my personal credit history. This issue has caused significant harm to my financial well-being, and I am requesting your intervention to resolve this matter.

Nature of the Complaint Equifax has inaccurately reported negative information against my credit history, which I believe to be false and without justification. These fraudulent entries have damaged my credit score, hindered my financial opportunities, and do not accurately reflect my financial actions or behavior. Despite my efforts to address the issue directly with Equifax, the problem remains unresolved.

Impact on Me Due to Equifaxs negligent and inaccurate reporting : 1. My creditworthiness has been unjustly impacted.

2. I have been denied access to credit and financial opportunities.

3. I have experienced stress and frustration in trying to correct their errors.

Actions I Have Taken 1. Disputes Filed : I have contacted Equifax to dispute the inaccurate reporting. However, my disputes were either ignored or inadequately addressed.

2. Fraud Alerts : I have placed fraud alerts on my credit reports with all major credit bureaus to safeguard my identity and credit history.

3. Identity Theft Recovery Steps : I have also filed an Identity Theft Affidavit through the FTC and submitted a police report regarding this issue.

Resolution Requested I am requesting the CFPB to : 1. Investigate Equifaxs mishandling of my credit information.

2. Ensure that Equifax removes all fraudulent or inaccurate entries from my credit report.

3. Hold Equifax accountable for their negligence and prevent similar occurrences in the future.

Supporting Documentation To support my claim, I have attached the following documents : Copies of my correspondence with Equifax regarding my disputes.

A copy of the FTC Identity Theft Affidavit.

A copy of the police report I filed.

Copies of my credit report highlighting the fraudulent or inaccurate information.

I respectfully request your assistance in resolving this matter promptly. Please let me know if additional information or documentation is required. I can be reached at XXXX or XXXX. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit card

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. WESTLAKE FIN XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used to have a secured credit card account with XXXX XXXX, also known as XXXX XXXX. It was a $ XXXXlimit credit card, secured by my own {$200.00} security deposit. I had my monthly payments set up on auto-draft and had no problems with the account for a majority of the time. However recently, I had some problems with my checking account. So I contacted XXXX XXXX and made them aware of the problem, and asked for an alternative means of payment. Even though my due-date was approaching, they said that the only thing I could do was mail in a check or money order, and allow 10-15 days for processing. I told them it was fine, but to notate my account of this matter so my account would not report delinquent. Well despite my payment, they did report it late for XXXX. I have since sent XXXX XXXX full payment of the remaining balance, have requested this account closed immediately, and a full refund of my {$200.00} security deposit. It is completely unfair for XXXX XXXX to report accounts late, when no option is given for last-minute payments when issues arise.
Product: Debt collection

On XX/XX/XXXX I noticed a collections account from EOS CCA for $ XXXXwith an opening date of XX/XX/XXXX. I contacted EOS CCA and was informed that this was a debt collector for a final XXXX bill dated XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX to determine next steps and was informed that it was a XXXX XXXX account. On XX/XX/XXXX I contacted XXXX XXXX and was repeatedly told nothing could be done because XXXX no longer had access to the account since it had been sold to a collection agency. 
I contacted EOS multiple times due to a language barrier and the telephone lines being closed during their normal business hours. EOS will send me a verification of the debt within 30 days. EOS informed me of the following via telephone : 1 ) XXXX mailed the bill to my address without my apartment number. My previous community had approx. 500 units. 
FACTS : All communication that I had with XXXX XXXX was electronic. My service was disconnected ( because I was moving ) and once service is disconnected so is your access to your online account. My mail was forwarded to my new address. 
2 ) XXXX notified me of the bill in XX/XX/XXXX, XX/XX/XXXX and then sent the bill to collections in XX/XX/XXXX. 
3 ) I asked EOS why the didnt contact me in XX/XX/XXXX. They told me they attempted to call me once in XXXX to a XXXX XXXX XXXX XXXX and was unable to reach me. This telephone number that they contacted me was likely a telephone number assigned to me in one of the XXXX packaged deal that was RARELY if ever used and was disconnected along with the TV and internet services. 
4 ) EOS informed me that it is against their companys policy to delete collections from credit reports I have no issues of paying a {$31.00} bill, but I can neither confirm whether I received it or paid it since it was 2 years ago. It is very frustrating that this has negatively affected my credit score without my knowledge of the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was working in XX/XX/XXXX and taking online Medical Billing. I lost my job due to an XXXX in XX/XX/XXXX, I was unemployed and asked XXXX XXXX/XXXX for a unemployment deferment. It was repaid in full once I received my XXXX and money from an inheritance. It is still on my credit report 5 years later. 

I was receiving the bills for this person 's loan and was harassed on the phone by XXXX for payment. 


General Correspondence & Submitting Documents XXXX XXXX. XXXX XXXX XXXX, PA XXXX Or Fax Documents U.S. : XXXX or International : XXXX Please include a cover sheet with your name and account number on all faxed documents. 

XXXX ________________________________________ Thank you for contacting the XXXX XXXX XXXX XXXX. We created case # XXXX to track your inquiry. Below is information relating to the case. A customer service representative will provide assistance within 2 business days. 
For general information please review our Frequently Asked Questions. 

Customer By CSS Email ( XXXX XXXX XXXX ) ( XX/XX/XXXX XXXX XXXX ) XXXX Attached Message From [ link removed ] To [ link removed ] Subject Re : Your Federal Direct Loan Disclosure Statement Date Sun, XX/XX/XXXX XXXX XXXX Please contact this person at his home address. 


I am not responsible for this bills Your XXXX XXXX disclosure statement is available on our secure [ link removed ] Web site. You will need your XXXX ID to log in. If you do not have an XXXX ID, you may obtain one on the [ link removed ] Web site.

To view your disclosure statement, log in to [ link removed ] and print or save a copy for your records. 

Your disclosure statement provides information about your student loan. It is important to keep all correspondence in a safe location for future reference. Your disclosure statement will be available for you to retrieve for a limited time. Therefore, we encourage you to take the time now to retrieve your copy. 

Your school will tell you what loans, if any, you are eligible to receive. If you have questions regarding your loan eligibility, the next steps in the processing of your loan, when the loan will be disbursed ( paid out ), or no longer wish to receive the loan, contact your school 's financial aid office. 

After the first disbursement of your loan has been made, your loan will be assigned to a loan servicer. Your loan servicer will contact you and provide their name and contact information. Your servicer will service, answer questions about and process payments on your loan. 

To view the list of servicers and their contact information, select the " Additional Information '' link on the " Contact Us '' page of XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Do not reply directly to this email. 
If you wish to contact us, email [ link removed ]. 

Connect with us : Subject : StudentLoans - General Questions Case Type : XXXX General Inquiry Date Created : XX/XX/XXXX XXXX XXXX Last Updated : XX/XX/XXXX XXXX XXXX  Status : Open omplaint. 
ID FOR COMPLAINT SENT TO XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion received my FTC letters online XXXX XXXX. They also received my letters by certified mail XX/XX/2022. They have yet to reach out and address my concerns. This is deformation of character and it makes it hard for me to elevate in my life.
Product: Credit reporting

The credit bureau 's were reporting a bankruptcy, The courts do not verify a bankruptcy and therefore they pulled that from a third-party reporting agency therefore it must be deleted. 
U. S.Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. 
The Bankruptcy Courts have also reviewed the Public Record section you 're you Transunion Credit Bureau. The court mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 
My inquiry to the U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
The Transunion Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release BEARING MY SIGNATURE. 
In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. 
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days. 
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the TRANSUNION Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Product: Debt collection

8 Months after receiving medical care, I received a debt collection notice out of no where from Rash Curtis Associates indicating I failed to pay {$1000.00} to XXXX XXXX. I never received a bill from the hospital stating I owed any monies, and my insurance company, XXXX XXXX, confirmed all cost due was paid to XXXX XXXX as contracted on my behalf. The initial letter had no itemized detail. I have since requested and received information that does not add up, and a call to the agency did not help explain how they are deriving the amount due. 

Rash Curtis has reported delinquency to credit agencies, negatively impacting my ability to continue my bank credit.
Product: Consumer Loan

I was returning a call from my auto company AFS acceptance, I informed my rep XXXX that I needed to make the payment on the last Thursday on the month I just started a new job and my pay dates are off now. I hope with my taxes I can get my payments back on track and not pay late any more. She told me she did n't want to wait for my taxes, I told her that 's not what I stated, I called to set up a payment and tried to repeat what I told her the first time. She told me to listen to her, I informed her it was my mom 's birthday, and I was on a XXXX min break I just wanted to set up my payment she told me if she could n't talk she was going to end the call and hung up. I called back and requested to speak with a manager and asked them to cease all call, I got XXXX calls the next day. I found it really rude that she got upset about a payment that was only one day late at the time, and for her to tell me that she was not going to depend or wait on my taxes when that was not what I stated.
Product: Mortgage

I was contacted by a company called Service 1st Mortgage that offered to lower my monthly payments by refinancing and also promised an escrow refund and 2 months off of payments. The process was supposed to take 2 months, but 5 months later we were still working. The day of the closing, I noticed that the paperwork said that my first payment would be due in a month, instead of in 2 months like I was told. My rep, a man named XXXX XXXX, explained that this is because I would get a refund on a month of mortgage payment, so I went ahead and signed. I never received said refund, and when I contacted the rep he at first said that he would look into it, but then stopped responding to my emails and answering my calls. It has been 2 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

When I signed the loan document with Regions Bank in XXXX Florida, my mortgage was suppose to be a conventional mortgage. After I moved in there were tow mortgages both variable and the agent that signed my contract had suddenly disappeared. I called several times and was told that I couldn't go anything about it. I had to refinance and now they have raised my mortgage twice this year alone. I need to have a solution.
Product: Vehicle loan or lease

Wells Fargo has accessed over {$1000.00} of fees to my checking and auto accounts through out my banking with them