23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I completed a loan modification with a previous service provider ( due to a chapter XXXX bankruptcy in XXXX ), XXXX XXXX in XXXX XXXX, my trial payments were {$1000.00}. LoanCare purchased the mortgage and immediately put my loan into loss mitgation where they have been reviewing and asking for documentation that XXXX had already obtained. As of XXXX XXXX, XXXX my loan has been with their underwriter. There has been no decision. It is my understanding that the loan servicer has 45 days under Federal Law and that they were supposed to honor the previous loan modification done by XXXX. None of this has occurred. I have attempted to make payments but have been told I ca n't because the loan is with the underwriter and the amount has now gone up to over {$1200.00} due to statements I am now receiving, this has resulted in me falling a couple more months behind, despite my best efforts to resolve this issue. I have contacted LoanCare multiple times via phone over the last 45-60 days, and have never received a callback from their loss mitigation or my single POC. 

In the most recent conversation today XXXX XXXX, XXXX, one of the customer service reps, when I informed her I was looking into federal and legal resolution told me " you have to do what you have to do. '' To me that symbolizes LoanCare 's commitment to customer service, which is ZERO. I have the documentation from XXXX, proof of my 3 trial payments being paid successfully, proof of being accepted into their hardship program and then proof of LoanCare raising payments and not honoring the approved hardship which I will be happy to provide if they require that information ( even though they should have received it from XXXX ).
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XX/XX/year> with a balance of {$1200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Bank account or service

Citizens Bank is giving me the runaround about paying me my {$200.00} bonus. The requirement for the bonus was to deposit in XXXX transaction {$500.00} by XXXX XXXX, 2015. Which I did. I told the teller I wanted to deposit the {$500.00} check, and then withdraw {$100.00}. I did not state that I want {$100.00} back from the check. The bank is saying that this is my fault for not informing the cashier of the promotion and doing XXXX transcactions. I went in with the intention of making my obligatory {$500.00} deposit with the check. I did not think or even realize that I had to inform the teller how to process the transcations. Nor did the teller inform me that my deposit would be reduced by my withdraw. I have been told that I should have known therefore the requirement has not been met. Citizens Bank is refusing to pay my bonus on a technicality. I am due the {$200.00} bonus. I made the {$500.00} deposit with the full intention for it to be recorded as such. I had monies in the account to cover the {$100.00} withdraw. I believe that this gives them an excuse to not pay my bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. 

*Accounts not verified, Dates Reported inaccurate, Dates of last activity inaccurate, accounts shows a balance owed on a charged off account.dispute status inaccurate
Product: Credit card or prepaid card

This is furtherance of complaint # XXXX. The response from US Bank was that they have sent the balance on the debit card to XXXX  XXXX XXXX. I have ben in contact with XXXX XXXX XXXX and they have not received the funds from US Bank. If US Bank did indeed send the money to XXXX  XXXX XXXX, please have them send me proof of such transfer so that I can send the proof to the XXXX  XXXX XXXX. All I can tell them now is that US Bank has stated they have sent you the money.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below. XXXX XXXX XXXX XXXX  XXXX After checking my most current report the updated information stated the account was purchased by XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft report. I have repeatedly disputed fraudulent accounts that are results from identity theft on my credit profile that needs to be removed immediately. Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a minor ( XXXX XXXX XXXX ) and I was XXXX when this debt was apparently made. I never signed a contract with Radius or XXXX XXXX and Im not legally able to! My parents never did either and its only my name on the letter.
Product: Debt collection

Starting in early XXXX CBE Companies started repeatable calling me. I answered and asked they stop calling me- they were asking for a name that was not mine, and they said they would remove the number. They have gotten more aggressive and profane with each call since. On XX/XX/XXXX they called 6 times within a XXXX minute period. They call me a worthless XXXX and tell me to pay my debts- yet they dont even have my legal name or a name that I have used for at least 12 years. I have NEVER received any sort of notification by mail from this company, nor have I had any information on who the alleged creditor is.
Product: Debt collection

Transworld is representing XXXX in a collection claim that I owe over {$1800.00}. The charge is for a {$25.00} per month instrument rental in late XXXX and the last bill I viewed was for under {$200.00}. The instrument was lost and then found. I returned it in good condition to XXXX in XXXX XXXX. I have receipt of return. I asked for an itemized bill to view the charges, and Transworld replied they do not have one. They said they will try to get XXXX from XXXX but can not advise if or when they will have a summary of the charges. Transworld refuses to provide direct contact information to me so I can have a legal representative request a bill on my behalf in writing. I asked for an email address or contact name an phone number so I can have my lawyer request the information and Transworld 's response was : give me your lawyer 's name and phone number and we will call him ( XXXX XXXX with Transworld ). I called back and gave the answering rep. my lawyer 's name and the new rep refused to discuss the matter further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute with Equifax numerous times about reporting inaccurate information. They stated that the investigation would take 30 days and I have not received any results and it has been past the 30 days 3 times. I want this information remove as soon as possible. This information is not on any of my other credit reports
Product: Debt collection

LVNV FUNDING LLC opened an unknown account on my credit report as the original lender on XX/XX/year> for the amount of {$620.00} and I never had an account with them. 
I called them multiple times and asked for verification of debt owed and original documents proving that I owe debt and they hung up in my face multiple times. I asked to speak to someone higher and they put me on hold and disconnect the call. I asked multiple times for them to provide proof or remove account completely off my credit report from all 3 credit bureaus ( XXXX, XXXX XXXX XXXX ) I have disputed this account several times and it has still not been removed. I ask that this account be closed and removed from my credit profile with all 3 credit bureaus ( XXXX, XXXX XXXX XXXX )
Product: Debt collection

They approached me with this debt as a former XXXX customer over 7 years ago. We returned the devices to the store when we canceled our service, however they say they did not receive the devices, they would not provide me with proof of drop of at the location. This debt is over 7 years old and should be off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also they have violated my rights even more.

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, They also violated the law because according to 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 an account without my written instructions I did not give anybody written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Capital one account opened XX/XX/XXXX XXXX had no access to it and check recently and it was maxed out.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Equifaxs violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On [ Insert Date of Initial Complaint ], I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Equifax failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611s mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Equifaxs failure to uphold consumer protections under the FCRA. I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer FICO credit report, including a fraudulent credit card account at XXXXXXXX XXXX opened on XX/XX/XXXX under account number XXXX, an account at XXXX XXXXXXXX XXXX opened on XX/XX/XXXX under account number XXXX, and a fraudulent inquiry from XXXXXXXX XXXX These fraudulent accounts and inquiries have resulted in several hard inquiries and collections appearing on my credit report. I demand that the aforementioned fraudulent items be removed from my consumer credit report within four days of receipt and that all collection activity related to said items cease pursuant to my rights under the FCRA and FDCPA laws.
Product: Mortgage

I am in the process of a deed in lieu foreclosure with Freedom Mortgage company. We were told XX/XX/XXXX that we qualified for this type of foreclosure and that the final paperwork was in the mail for signatures. Weeks passed with no word from Freedom and no papers in the mail. I called XX/XX/XXXX to let them know the paperwork never arrived. At this time I was told that Freedom could not proceed without the DMV title. I informed Freedom that there is no DMV title, as it is not a mobile home. It is on a brick foundation not on wheels. We informed Freedom further that we have a VA loan and VA loans can not be obtained on mobile homes, the home has to be on an actual foundation. Therefore this should n't even be an issue. Today Freedom said that the 'title ' says its a mobile home, and that if it is not a mobile home then I need to go to the DMV and fix it. There is nothing to fix at the DMV nor can the DMV give me any paperwork because there is no title, there never was a title because it is not a mobile home. I also asked if they have a so called 'title ' why did they ask me for a title XX/XX/XXXX? No one could answer me. Ive been transferred all over to various Freedom employees and no one can help me because it is underwriting who makes the decisions. The people that speak to me are only relaying what underwriting says. I am also told that it is impossible for me to speak with underwriting. Freedom refuses to finish the foreclosure because of the 'missing title ' which does n't exist. I am unsure how to proceed as I can not produce paperwork that never existed to begin with. Freedom also did n't have the title when they obtained our loan from a different company, nor when they refinanced us from an arms loan to fixed rate loan a few years ago. It is my understanding that if a title existed for our home they would have also needed the documentation at those times. They could n't have had it either of those times either since it does n't exist and I did n't provide it. There was also no title exchange when we bought the home, nor the owners before us, nor the owners before them ( we 've gone through the real estate records trying to find it ) All this is on top of spending over a year trying to sell our home via short sale. Freedom refused to process our request for short sale. They repeatedly lost paperwork and sat on paperwork until it expired, dragging out the process so long that we lost our buyers. After loosing our buyers we decided to just turn over the property and accept the financial repercussions. This whole process has been going on for almost two years and ruined our financial standing all we want is for Freedom to take the property and let us move on.
Product: Payday loan, title loan, or personal loan

I received a letter from Avant, XXXX XXXX XXXX ( second Time ) offering me a loan,,, saying you are pre-Approved .... no where in the letter was any Disclaimer that says unless your credit changed or is not good enough ... we will not honor this letter ...

any way they do this to have people apply for the loan, and than the reject it ... and write back ... you can Continue with XXXX ... sister company with very very high rates,,,,, this is criminal!!!!!! 

my Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. 
phone # XXXX E Mail. XXXX My personal code # XXXX and the offer expire XX/XX/2018
Product: Checking or savings account

Starting off with XXXX XXXX XXXXXXXX I had thought I had gotten a job and they asked for information and had me deposit a check and I did not know that it would lead to my account being shut down and me sent to early warnings. I would like to get this withdrawn from there because I cant get a checking or savings account opened. I also have no flags on my account with chase but it will not let me open up an account with XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX. 

XXXX : I had a police report filed for getting money stolen from my chase account and I had shut down my account after i had gotten my money back with a credit after they had proven money was stolen after a police report was provided
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX is reporting a lien on my Equifax and XXXX credit reports. I went on the XXXX XXXX XXXXXXXX XXXX 's website and searched my last name to see if it was any information, there isnt.
Product: Credit card or prepaid card

In XX/XX/XXXX I entered into a twelve ( 12 ) month zero percent ( 0 % ) promotion with GE Capital Retail Bank for Care Credit to finance needed dental work. Despite being on automatic payments, the last payment ( {$500.00} ) was processed on XX/XX/XXXX, three ( 3 ) days late. As a result all the interest became due. Unfortunately I did not realize the bill had not been paid in full for approximately six ( 6 ) months. I contacted GE Capital Retail Bank about what had happened and was told that because the payment had not been submitted prior to the promotional date I was responsible for the interest that had occurred. Due to their error in processing the payment three ( 3 ) days late, I feel they should be responsible to reverse all interest that was charged to my credit card. <P/>XX/XX/XXXX Synchrony Bank became the financial institution for Care Credit. Due to the error of GE Capital Retail Bank the account was already considered over limit which has caused a domino effect of interest on interest and over limit fees to increase each month to this date. <P/>Approximately XX/XX/XXXX or XX/XX/XXXX I contacted Synchrony Bank in an effort to resolve this situation. I was told by a representative that because my account was current they would not be able to talk to me. I asked to speak to a supervisor and the supervisor told me the same thing. I did not know what to do so I just left everything as it was. As time went on the payments were increasing and becoming to a point that my bank account is occurring overdraft fees. I have a fixed income and I can no longer afford the payments they are charging me. <P/>XX/XX/XXXX I contacted Synchrony Bank a second time to discuss the account and the hardship it was causing me to see if a resolution could be reached. Again I was told that because my account was current there was nothing that could be done. Before the conversation was over the supervisor I spoke with told me that they may be able to lower the interest rate for a short period if I could prove I had a financial hardship. I explained all that had happened and was informed that it was not considered a financial hardship. I was then told the only way to resolve this situation was to pay the balance in full right then. Because I did not have that kind of money I contacted an attorney. The attorney wrote Synchrony Bank a letter on my behalf, dated XX/XX/XXXX. There was no response from Synchrony Bank. XX/XX/XXXX, a second letter was written with no response to date. <P/>The attorney has advised me to file this complaint. <P/>Thank you
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Bank of America regarding a disputed charge for {$1600.00}, referenced by claim number XXXX XXXX XXXX XXXXXX/XX/XXXX, I discovered an incorrect charge on my Bank of America account from the XXXX XXXX I contacted Bank of America to dispute this transaction and was granted a temporary credit while the matter was investigated. I provided Bank of America with supporting documentation that clearly demonstrates the XXXX XXXX XXXX error in charging my account. Despite this evidence, Bank of America denied my claim and the temporary credit was revoked. I then submitted a reconsideration request with additional evidence, but this was also denied. I have been unable to receive a clear explanation from Bank of America regarding the reasons for the denial. I believe Bank of America has mishandled this dispute and failed to adequately investigate the validity of my claim. This has caused me significant financial hardship. I request that the CFPB review my case and assist me in resolving this matter with Bank of Of America. I would like the disputed charge of {$1600.00} to be permanently removed from my account.It is XXXX  and I still do not have my funds back in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my account listed with XXXX XXXX in full in XX/XX/2018. I submitted proof of payment and filed a dispute with XXXX, TransUnion and XXXX  In XXXX notifying them that my account had been paid in full and that XXXX XXXX stated that the account would be removed from my credit report. 

As of todays date, XXXX and TransUnion is still incorrectly reporting the above listed account as an unpaid collection. 

Attached is a letted from XXXX XXXX stating that my account is paid in full and that they have requested for the account to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONCE AGAIN XXXX XXXX XXXX XXXX IS PERMITTING XXXX XXXX XXXX TO FALSELY REPORT THIS ACCOUNT CHARGE OFF {$17.00}, XXXX. THIS ACCOUNT WAS SOLD/TRANSFER TO XXXX XXXX XXXX SEE ATTACHED.. WE FILED LAWSUIT CASE XXXX ON XX/XX/2019.
Product: Credit card or prepaid card

The IRS ( XXXX XXXX ) received a 480.6A form from Synchrony Bank indicating that my debt was discharged. I did not settle this account with Synchrony, I have not file for bankruptcy or authorized the debt to be discharged. Now the amount of {$5300.00} is considered income and I have to pay taxes. 

Account- XXXX. XXXX XXXX XXXX XXXX XXXX