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

On XX/XX/ I purchased a vanilla Visa gift card for {$4.00} I then put {$500.00} on the card. There was still {$72.00} left on the card when vanilla shut off the card on XX/XX/XXXX Once the card has been shut off there was no way to get to customer service on the phone or online. I have made contact with them through the cfpb. communicated with XXXX XXXX. send it send me a check on the XXXX of XXXX never happened. Now no one answers that line of communication. Thank you for listening. XXXX XXXX
Product: Mortgage

Citibank declined our mortage refinance application stating we had insufficient income for our total obligations and insufficient stability of income. During every step of the process, we provided every single document they requested including the most recent statement from XXXX from XXXX XXXX before the U.S. Government placed student loans on deferement. They stated that this statement along with my entire payment transaction history was not sufficient and used 1 % of my loan amount as my repayment to calculate my debt to income ratio. I consulted with my attorney and was able to obtain a letter from XXXX stating my repayment amount when repayment started in XXXX of XXXX. I sent this letter to Citibank on XX/XX/XXXX after they issued the adverse notice on XX/XX/XXXX. Not once did the underwriter ask for such a letter which could have easily proved the payment amount and kept our debt to income ratio in line for approval. We have kept all of the correspondence from citibank during this process and can prove that we submitted all the required documentation multiple times because of Citibank 's failure to appropriately organize our loan documents. In addition the insufficient stability of income is a completely unfounded claim. Citibank would not use one of my secondary sources of income through the XXXX XXXX where I have worked consistently for the past 4 years despite my providing tax documents from XXXX XXXX and having our loan officer confirm with the XXXX XXXX  that I am a regular Sunday employee. Neglecting to count the XXXX XXXX as income has reduced our monthly income by {$2200.00}. There is absolutely no reason for the underwriter to state that this is unstable income. 

Citibank reviewed the letter that I obtained from XXXX the day after they gave us an adverse notice and told us this Tuesday XX/XX/XXXX that our debt to income ratios were now in line and we could be approved for the refinance. Today XX/XX/XXXX we got a call from our loan officer and received notice that our debt to income ratios are still not in line because mortgage rates have increased and there is no guaranatee that my XXXX XXXX income will be counted. 

The inability for us to be approved for the refinance falls on Citibank because the underwriter did not do their job appropriately and ask for the correct documentation. I am not a lending expert and would not know that you can obtain a letter from XXXX  showing what a future payment would be. It is ridiculous that I had to contact an attorney for help with this. There is also severe bias in the fact that my XXXX XXXX income was not included when we provided more than sufficient evidence.
Product: Debt collection

Call the company to ask them to furnish any evidence documentation containing my signature that I owe this company what they are saying I dont one this account does not belong to me plus I have call them to Furnish me any evidence and they have failed to furnish any information and they are reporting account like it belongs to me XXXX they cant Verify the account
Product: Student loan

Have XXXX student loans with Navient. Have been making a consolidated payment each month. Received a letter of default and called. They stated I have n't been making payments. Checked online and all payments PER THEIR website have been made. They have now sent me to a collection agency. This is Insane!! And each time I call I receive a different answer. If I am making the agreed payment each month I know it 's not legal to send me to collections. This company has the worst collection practices.
Product: Bank account or service

Navy Federal Credit Union was sent a Cashier 's Check and mobile deposit cheques that have been dishonored and not processed, also said by XXXX an agent of the credit union, that the mobile deposits were returned. For what reason was asked, and was told that the federal reserve board and the institution were it came from said the check was invalid, proceeded to ask for proof of that and was denied. As for the Cashier 's Check, sent on XXXX/XXXX/16, was informed by XXXX that it was still processing, which should have been processed 2 to five business day for funds to be released. Through this period of trying to resolve the problem, a statement of account was asked to be sent to the credit union, it was complied with and sent through fax. After speaking with the agent, it was informed that the account is in overdraft of almost $ -XXXX and that it is frozen for no access. XXXX informed that the account will stay frozen which in no way able to perform a cure to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention an instance of identity theft that has had a serious impact on my personal finances. An auto loan was taken out in my name on XX/XX/2018 through SANTANDER CONSUMER USA, without my knowledge or consent. I am certain that I have been a victim of identity theft, and I need your assistance in investigating and rectifying this matter. 

I discovered this fraudulent loan while reviewing my credit report. This loan has negatively impacted my credit history and score, causing significant distress and inconvenience. 

Upon discovery, I reported this fraudulent activity to the lending institution SANTANDER CONSUMER USA and spoke to the following agents ( name and employee numbers to follow ) : XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

Despite my efforts, the issue remains unresolved. I will also file a report with the local police department and the Federal Trade Commission 's identity theft department and have taken steps to safeguard my personal information. 

I am in the process of disputing this loan with the credit reporting agencies but believe that this issue requires a thorough investigation to prevent the recurrence of such fraudulent activities. 

I respectfully request the Consumer Financial Protection Bureau 's assistance in rectifying my credit report, investigating the fraudulent activity, and ensuring that such breaches of consumers ' financial security do not occur unchecked. 

I understand the seriousness of identity theft and appreciate your time and effort in handling my case. I look forward to your assistance in resolving this issue and bringing the perpetrator to justice. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$87000.00} XXXX XXXX XXXX XXXX Balance : {$87000.00} XXXX XXXX XXXX XXXX Balance : {$87000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer portfolio services ; are putting false info on my credit report. Stating I made a payment in XX/XX/XXXX when the last time a payment was made was in XX/XX/XXXX. The amount is incorrect and they are trying to extend the legnth it stays on my report. It is due to come off my report and they have now sold it to another company with false information.
Product: Debt collection

I sent the XXXX XXXX XXXX a letter and they refuse to remove this debt from my credit report.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX, XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 i notified the legal department of XXXX XXXX XXXX XXXX XXXX opting out of any and all authorization related to the sharing, reporting, or disclosure of my personal or financial information to any and all credit reporting agencies and/or third parties.as a federally protected consume i exercise my right to privacy under applicable federal statues.
Product: Mortgage

We received a forbearance on our mortgage starting in XXXX XXXX due to Covid. Near the end of the forbearance period, we requested a deferral of our forbearance amounts. We received a letter ( dated XX/XX/XXXX ) detailing our Payment Deferral Agreement - that our deferral was approved and that all of the forbearance payments and escrow were being added to the end of our loan. We made the next payment for XX/XX/XXXX over the phone and received a confirmation number. We had called them because we received a letter dated XX/XX/XXXX that stated that we were past due and that our mortgage could be sent to foreclosure. The representative told us to ignore the letter and she assured us that the deferral agreement was in effect and we could pay our regular mortgage payments going forward ( that's when we paid the XXXX payment ). Then we received a statement dated XX/XX/XXXX that said we were past due on all the forbearance payments and that they reversed our XXXX payment, and that our mortgage could soon go into foreclosure! We called and tried to get this corrected, but they weren't able to resolve it on the phone and still have not resolved it, to our knowledge. I emailed them with all of the information ( including a copy of the Payment Deferral Agreement ). This is a longstanding issue with AmeriHome. We have had to call them MANY times during this process and have been told one thing on the phone, and then received correspondence to the contrary. This has taken up lots of our time and caused us much aggravation. I consider it harassment, at this point!
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress. I am a victim of identity theft and have reported the incident. It is essential to address this matter promptly, as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if needed, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially requested an investigation of a fraudulent debt on My Equifax credit report XX/XX/2018 and Equifax failed to do so. 

On XX/XX/2018 I received an email from Equifax ( as attached ) stating a reinvestigation. It has been over 30 days and the fraudulent debt from XXXX XXXX XXXX is still on my equifax Credit Report. 

XXXX  And XXXX  have both proven the debt to be fraudulent and removed & blocked it from my credit report, but XXXX  refuses to do so without validating the debt.
Product: Credit reporting

My FICO score from XXXX XXXX XXXX states that one of the key factors affecting my score is " Number of accounts with delinquency. '' XXXX states that they get this information from TransUnion data. I 've spoken with TransUnion on the telephone and have gotten my full credit report from them and they state that there are no accounts with deliquency. TransUnion states that it is the fault of XXXX XXXX XXXX, and XXXX XXXX XXXX faults TransUnion. I want also to file a complaint against XXXX to get this matter resolved.
Product: Debt collection

XXXX of XXXX  a collection for {$350.00} dollars was placed onto my credit report from Credence Resource Management. When I went into further investigating, I found out that this was from an XXXX account that I have no knowledge of or even opened.
Product: Debt collection

since 2017 I've been reporting to wellsfargo and the credit bureaus about a credit card that was open fraudulently under my name and wellsfargo and XXXX refuses to remove it and I've reported it to the police already
Product: Debt collection

I asked the company for verification of the debt, but the documents they sent have my FATHER 'S name on it. XXXX XXXX is my father. I am XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Navient reported to XXXX that my student loan account was more than 100 days past due. 
1. Navient, at the time, was not the servicer of my student loans, having been terminated by US D of ED for savaging borrowers ; 2. No student loans were due in the 100 days prior to, by order of POTUS ; 3. Navient, prior to their report, and due to # 2, denied me access to their payment portal because of # 1 above. 

My credit score moved from XXXX ( excellent ) to XXXX ( fair ) effectively walling me out of affordable credit. My credit score should not reflect late payments from a company that was not the creditor, for payments it refused to accept, and for a loan portfolio that is not theirs. Navient should be held financially liable for this malicious and capricious " parting shot. '' US D of ED advised me to work it out with Navient, a bit like going back to the mugger to beg your wallet back. XXXX advised that Navient has assured XXXX  everything is AOK. 

Navient, at the time, was not the servicer, no payments were due, and Navient had actively and deliberately blocked me from making payments for more than 100 days.
Product: Credit card or prepaid card

I paid off and closed my XXXX account, comenity bank, back in XXXX. I was billed for residual interest and paid it in full. The next month, received a bill in XXXX for another {$13.00}. I again, paid it in full. I was turned in as no payment which shows as a negative mark on my credit report. Now today, XXXX, XXXX XXXX, have a {$1.00} amount on that closed account pending. Please help me to end this nightmare.
Product: Debt collection

Hello, I have a judgment against me from XXXX XXXX, Florida filed by XXXX XXXX, P.A in 2018 representing two AMEX credit card debts. 

One is XXXX, the other is XXXX... proximately. 

The issue I have is that during the past years, they have sent me several settlement offers which I have accepted three times now but they are just " tossing '' me around by phone when I am asking to finalize the offer that I accepted. Last week my bank account got garnished leaving my bank account empty with XXXX dollars. I am a single dad with a XXXX XXXX XXXX daughter, and now we have XXXX $ and I don't even know what to do. I have called an attorney this morning, but since I have XXXX $ there is nothing I can do since they need to be paid. ( I don't qualify for free legal service ). 

This was not the first unfear and unethical action from this debt collector. They have wrongfully garnished my ex-wife 's account years ago when I had to hire an attorney to get the money back. 

This debt collector doing its job, however, they are manipulating and misleading, giving missed information and since their offer was accepted by me three times over the phone, at this point this is abusive. Any time I call, they listen to me, and they say they will get back to me but never happens anything.

I really could use some help here, hopefully, you guys have something for me, and maybe I can help others who became the victim of Modlin 's harassment, abuse, misinformation, and manipulation.
Product: Credit card or prepaid card

CKS PRIME INVESTMENTS has placed a derogatory account on my credit report. I sent for the debt to be verified as I have never done business with this company before. After I disputed the information it came back as validated but I was not provided an explanation of how the debt was validated. The company is also showing that the account is open and active and that is incorrect as well. I have never opened an account with them and it is inaccurately reporting on my credit report resulting in a lower credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to get the refinance my property so, my banker can not pull out the credit report. which they ( Banker said Disputed ) I try to fix up those problems so many days. by calling, and Internet complain too But I couldn't do any things to solve the problems That's why I report today for solve the problems.
Product: Debt collection

Unauthorized accounts appear on my credit report. Please block and delete them as theyre incorrect.
Product: Credit reporting or other personal consumer reports

Payments that I have made never showed up on any of my credit reports properly. It would consistently show that I was delinquent when I was not. All the credit bureaus including XXXX would not fix it. Letters emails phone calls and complaints through this system never got it fixed. It is illegal to not properly post information to someone's credit report and it does not follow fair credit reporting. This loan is now paid off and I have attached the documentation.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and I see some incorrect information that is affecting my credit report and my ability to obtain credit at the moment, can you please investigate this account? 
account- XXXX  account number- XXXX
Product: Credit card

Simmons Bank credit card does NOT allow me to dispute any charges! Simmons Bank is NOT a good credit card company! 

XX/XX/year> {$820.00} XX/XX/year> {$660.00} These XXXX charges can not be disputed even though I NEVER received any products!
Product: Credit reporting or other personal consumer reports

I am a victim XXXX XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I notice I have an account that's too old and I want that account to be remove from my credit report. Please remove XXXX XX/XX/2006 ( 12 years ) from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I checked my XXXX credit summary and discovered that an unauthorized hard credit hit was made on XX/XX/XXXX by XXXXRocket Mortgage ( XXXX ) ; resulting in a XXXX point credit score reduction on XX/XX/XXXX. That day I placed a call to Rocket Mortgage requesting information on who was responsible for this unauthorized hard credit pull.I was finally connected with XXXX XXXX, XXXX, and explained my concern regarding this unauthorized action.I explained to XXXX that I've had no communications with Rocket Mortgage in the last 12 months and certainly did not authorize any type of credit hit on my account. After requesting an answer to my complaint XXXX asked for more additional time to research this issue, which I approved.Five days later XXXX called to report that after checking his system he could not not find any information pertaining to this issue. After this conversation I filed a formal dispute with XXXX ( XXXX ) explaining that I never requested or approved any hard credit pull on my account and was requesting that my credit score be corrected.On XXXX, I received a follow-up call from XXXX XXXX explaining that a XXXX associated with Rocket Mortgage decided without any communication or approval to pull a hard credit report on my account. XXXX said after a " XXXX minute call '' with this banker, he explained that he pulled my credit file because he thought I might be able to get better rates, again completely unauthorized. 
As stated earlier without any conversation or authorization this banker pulled my credit report resulting in a XXXX point drop to my credit score, and ultimately causing a total drop of XXXX points.XXXX  then added that even though I never talked with or authorized any action to be taken on my account, Rocket Mortgage would not be able to correct this totally fraudulent action taken by this XXXX.XXXX  said that Rocket Mortgage would not be able to correct the illegal action and that it will stay on my record for 2 years. 
The total lack of acknowledging fault and then refusing to correct a problem that they created is totally unacceptable. 
I have filed complaints with the XXXX, this organization and will be filling additional complaints with FCRA and FTC and possible legal action for illegal actions.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802.

THE PRIVACY ACT OF 1974. 

( 15 USC 1611 ) Criminal liability for willfully and knowing violations.

( 15 USC 1681 ) Accuracy and Fairness of Credit reporting.

IT IS ILLEGAL TO REPORT TRANSACTION HISTORY.

( 15 USC 6801 ) 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 non public information.

( 15 USC 6802 ) Obligation with respect to disclosures of personal information.

( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Product: Credit reporting or other personal consumer reports

I called experian to file a dispute on XX/XX/year>. I dialed ( XXXX ) XXXX on or around XXXX XXXX XXXXXXXX. 
After a long hold, a female agent from XXXX XXXX answered the phone ( around XXXXXXXX XXXX XXXX ). I gave her all of my personally identifiable information, then suddenly she stopped talking. I kept saying " hello, agent are you there? '' There was no response. My call was still connected. This is known as call-avoidance and is unacceptable. Please note : this is not a one-time isolated event ; this is a pattern and practice with experian. I have complained to experian regarding this issue on innumerable occasions. Experian has failed to resolve this matter. Specifically, l 've spoken to Experian 's XXXX XXXX telephonically regarding this complaint. She didn't seem empathetic nor sympathetic. This practice is prohibiting me from filing a valid dispute under federal and states laws. I seek to hold experian accountable. In addition to the CFPB, I will file more valid complaints with the XXXX FTC and XXXX, until and unless, this matter is resolved. DO NOT SEND ME A COPY OF MY CREDIT REPORT AND THIS CFPB COMPLAINT IS NOT A DISPUTE REQUEST.