23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was pulling my credit report up to get preapproved for my mortgage, I noticed several thing that are not right.first up my name is XXXX XXXX XXXX PLEASE DELETE any other name. My SOC SEC # XXXX DOB XX/XX/1984 please remove/delete any other SS numbers from my credit report they are not me, someone else information. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. Please remove the following Fraudulent addresses:XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I do not know who SSN : XXXX SSN : XXXX SSN : XXXX not mine please delete. I have an account with a false 60 day late payment that was never late : XXXX  XXXX  # XXXX inaccurate please delete. 
I have never done business with XXXX or XXXX XXXX XXXX # XXXX please delete this account it may have belonged to one of the other SS and names on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my dispute regarding certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the same hard inquiries that I know are inaccurate and should be removed.
Product: Debt collection

This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of XXXX of this year, I notice on my credit reports XXXX XXXX reportes my mortgage balance as {$110000.00} which is incorrect. I did a modification on my loan on 2010 XXXX XXXX had my loan and XXXX XXXX was the servicer of my loan. During the modification process I was told, XXXX of my loan was going to be discharge and I was no longer responsible for this amount. I was under the impression all of these year that the balance of my loan was XXXX. I have contacted XXXX XXXX Customer Service ( Mortgage Department ) and they haven't given me a correct information on this issue. I did request a copy of my loan modification and the paperwork doesn't have my initials nor my wife 's initials ( I am now divorce ) when they say, the XXXX was supposed to be deferred at the end of the loan. The paperwork that they sent me wasn't signed by me nor my wife at the time. I need for the Consumer Financial Protection Bureau to open an investigation about this issue, and provide me with the proof I need since so far, they haven't been able to do it. The 3 credit bureaus haven't been able to provide me with paperwork regarding this issue. I need to know where is a copy of my loan modification paperwork with my initials on each page.
Product: Mortgage

On XXXX Bank of America sent a notary to my property @ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX for me to sign DEED IN LIEU paperwork. 
Bank of America has not submitted this paperwork and has reported the property as " abandoned ''. 
Bank of America has forced me out of my home that I built in XXXX, ruined my credit, and caused me undue amounts of unnecessary stress related health issues. Bank of America has harassed me to no end while trying to work out this issue. They were supposed to modify my mortgage, then turned around and SOLD my house! I got that issue resolved and then they still have n't ended this nonsense. Earlier this year, I thought filing bankruptcy was the answer, however, I rescinded that option. I thought signing a Deed in Lieu would bring me some closure with Bank of America and it has not. 
Please, can you help me with this situation with Bank of America.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX around XXXX am XXXX, my debit card was compromised from XXXX XXXX  transfer services, and {$4800.00} was transferred ( total XXXX transactions ) from my bank account ( Bank of America ) to XXXX XXXX currency. 

I have raised a complaint with my Bank and they gave me a resolution yesterday that they can't pay back my money. 

Now, XXXX is also not ready to provide any resolution. There is a XXXX on my XXXX account and it failed to send any notification on a new login from a new device. due to the failure of XXXX security, I lost my hard-earned money due to this hack. I never transferred any money to XXXX other than XXXX all these 10 years of my life in XXXX. 

Can someone please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. Iwas denied due to several unknown items on report. I then printed out a copy of my report from XXXX   XXXX to check the reason I was denied, and I realized that soneone has been using my social security number to open up account I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$190.00} XXXX   XXXX {$290.00} XXXX XXXX {$2900.00} XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$950.00} XXXX XXXX $ XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX
Product: Credit reporting or other personal consumer reports

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers..
Product: Credit card or prepaid card

I have called and discussed over 2 hours with an associate and XXXX XXXX? that I suffered extreme trauma over the time that I have had this card. I thought the bill was on full autopay I normally do and it was accidentally on miimum amount due. I have been advised by my doctor that I have a XXXX that was directly affecting my ability to handle these functions. due to being forced to work in a different state and extreme harassment and trauma at my work I did not see these bills. Business revenues dropped due to unanticipated problems as well. PURCHASES ARE ALREADY PAID IN FULL. Request - all fees and interest to beginning of account removed as problems began around that time.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXXXXXX XXXX  A Chase Bank employee suggested that we deposit my significant others check into my account since he had a balance past due. We both signed the check and deposited into my account so we can try to pay our mortgage. The employee said it should be deposited the next day, well my account was restricted. We called the customer service and they stated that in order to release the funds they have to have a verifiable number to the third party but his phone was off at the time. The number did show in the system but they couldnt reach out to the third party because his phone bill wasnt paid. The next day, I paid his phone bill and called customer service to verify his number and they said it wasnt in their system anymore. Weve sat at the branch for 2 weeks from the time they opened to the time they closed. Weve had 2 case workers and weve sat talking to a lady in her office trying to resolve this issue. Its been very stressful and frustrating! Its been almost 2 months and our house is up for foreclosure. 
We did pay his balance on his account. We kept calling trying to verify his number and its still showing up as not working. We did receive a call from Chase on his number but we accidentally missed the call due to us working night shifts. We called customer service again and told them that we missed their call on his phone and they claimed to not reach out but we have proof that they did.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX was the victim of a robbery of his identity documents resultin the accounts below : XXXX XXXX XXXX Auto Loan with account # XXXX on XX/XX/year>. 
XXXX Credit Card with account # XXXX with a balance of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi whats going on? My name XXXX XXXX and my SSN is XXXX l and I sent a letter which is dated on XX/XX/2021 to reinvestigate some inaccurate and misleading information on my report but its been over three months now I still havent got any response from your agency. According to the FCRA your organization is suppose to provide reponse within 30 days but its seems youre taking things lightly. I've done my research and I know my rights as a consumer. You guys seem to be ignoring my letters probably thinking that i dont know anything about the law but if you continue to ignore my message i will hire a consumer rights attorney to deal with you. I will be waiting for your positive response in this matter. Thank you
Product: Mortgage

I have pending XXXX  application and # XXXX mortgage servicer is proceeding with foreclosure ; and I'm requesting the CFPBs help in forcing the mortgage company to cancel its foreclosure action while his XXXX  application is reviewed.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$190.00} XXXX XXXX {$340.00} XXXX XXXX {$120.00} XXXX   XXXX {$860.00} COLLECTIONS XXXX {$30.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$240.00}
Product: Credit card

Citi advertised the ability to use the Citi Custom Cash credit card instantly via a virtual card that does not require you wait for the physical card to arrive. I have a large purchase that needs made before the card would arrive, which is the reason I went with this corporation/card specifically. I applied yesterday, was approved, and never received a virtual card to be able to use immediately. I called yesterday ( XX/XX/XXXX ) and was told the system was down and I would need to try back later. I attempted again today ( XX/XX/XXXX ) and was told that there was no way to issue a virtual card and I need to wait 7-10 business days for my physical card to arrive.
Product: Credit card or prepaid card

I lost my Job in 2019 which placed a Financial Hardship on me and my family. 
I missed 8 payments ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2019 ). 

The representative informed me that there is nothing the company could do about Missed Payments from XX/XX/2019. 
The Missed Payments is placing a hold on my process of Purchasing a Home and or acquiring new lines of credit by having a negative  reflection on my XX/XX/XXXX.
Product: Debt collection

XX/XX/XXXX Ally Financial Subject : Request for Debt Validation Dear Ally Financial ( or unsure if the debt has been sold to another agency ), I hope this message finds you well. I am writing to formally request validation of the debt you claim I owe, which I believe was originally with Ally Financial. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request proof of the validity of this debt. 

Debt Details : Date of Debt Origination : XX/XX/XXXX Amount of Debt : {$6300.00} Current Creditor : I understand that this debt may have been sold or transferred from Ally Financial to your agency. 

Unfortunately, I do not have copies of previous correspondence regarding this debt ; however, upon reviewing my credit report, I believe this account is being reported incorrectly. 

To clarify the situation, I kindly request the following : Documentation proving that I am legally responsible for this debt. 
Confirmation that your agency currently owns the debt and that Ally Financial no longer holds it. 

The name of the original creditor. 
Any additional pertinent information regarding the debt. 

Until I receive this information, I respectfully request that all collection activities be suspended. If you are unable to provide the requested validation, I expect this debt to be removed from my records. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX XXXX, I applied for a XXXX XXXX rewards prepaid card on this website : XXXX XXXX XXXX The online system was not able to confirm my identity, so after calling their customer support team, I was told to fax a copy of my SSN and DL. On the XXXX, I faxed the document, triple checked that the fax number and card id were correct, and made sure the pictures were enlarged and brightened per their instructions. 
I called in the evening to check on the status and was told the fax was not received. I confirmed with the fax system that everything was properly sent and received. I followed up on the XXXX and XXXX, but the fax was nowhere to be found. So I had to fax it again and this time they received it. I then called many times to have them look into their system and find the missing fax, but they could n't even do it. I 'm really concerned that all my personal data is out there, and they ca n't find it. They even told me to keep an eye on my accounts to make sure nobody was using it. Nobody should ever have to fax such confidential data, especially to a service with such lax scrutiny.
Product: Checking or savings account

1. Received email from HSBC XXXX. ( XXXX ) on XXXX XXXX that someone attempting to add my debit card to XXXX XXXX service. 

2. I called the HSBC XXXX team immediately and was informed someone trying to add my card to wallet payment. 

3. Informed HSBC XXXX. XXXX ago and told them I am on a XXXX XXXXr in XXXX XXXX 

4. I Verified my transactions logs with the 1st representative on the phone with LOADS of transaction happening to my checking account ( XXXX ) transactions ( XXXX USD ) from the date of XXXX XXXX till XXXX XXXX and she INFORMED me clearly that she will be reporting it under *Fraudulent/Unauthorised Department* and I will be receiving my money back to my checking account in 10 days. 

5. I called back 5 working days later and was informed that they had reported it under Disputed* and I mentioned to the HSBC representative that the lady that communicated with me on the 1st day of reporting the problem that it will be under *fraudulent* not *disputed* but the second representative transferred to the fraud department again and I am told because I made payment to this merchant XXXX XXXX XXXX XXXX XXXX so it can be only filed under *Disputed* and not *Fradulent* and the *fraud department* transfer me off to *premier team* again. 

6. I informed the *premier team* representative on the phone that all those transactions I reported was fraudulent as I had never make those payment, I receive no notification from the bank either for those payment either. I made payment to ONLy this XXXX different merchants on XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ), all the transactions I made with them had been protected by *One Time Passcode* send to my email to verify my payment. I mention to this representative ( XXXX XXXX ) is a payment aggregator that sign up merchants to take payment from consumers buying from their XXXX shop. Those XXXX transactions wasnt authorised by me and neither did I enter any *One time passcode* which is required to get the transactions approved by HSBC bank and neither was I being send any notification by them for those Transactions. I even mention to her I am protected by federal law in USA ( Regulation XXXX ) and she did acknowledged that I am. 

7. Called back on the XXXX working day today again ( XXXX XXXX ) and was pushed around by both XXXXFraud department* and *Dispute Department* and was informed no one was on duty on the *Investigating department* due to the different time zone I am in.

8. One of my XXXX  buddy is a XXXX, that hsbc XXXX who is holding my checking account, had broken the XXXX XXXX Liabilities for unauthorised transactions* & XXXX XXXX Federal Law regulation for failure to notify/communicate with me within 10 days or refunding me any money lost *Provision Credit*
Product: Credit card

I was provided a new replacement credit card by my financial institution because the account information had been compromised. However, to my shock, they are still permitting the existing vendors ( with my old credit card information ) to continue charging me. When I asked them how the vendor got my new credit card information, the financial institution said that they provided the new account information to the vendors to make it convenient for the existing vendors with recurring charges to continue charging me. 

I said, does n't it defeat the purpose of providing the new credit card? They said, this is the bank policy. 

In this case, the financial institution is more concerned about the vendor than the consumer. 

They should be forced to change their policy.
Product: Student loan

I have a significant amount of student loans from law school which are now serviced through XXXX XXXX at myfedloan.org. I am on the IDR plan as I can not afford the minimum payments and I am required to recertify each year to stay on the IDR plan. I did so this year, filing the recertification on XXXX XXXX. On XXXX XXXX, I received a notice from XXXX  saying I had not yet recertified and that while my loans would remain on an IBR plan, my new monthly payment would be more than double what I had been paying. I reached out to them and was told they could put me on a forbearance until the certification issue had been cleared up and that is what I did. Later on XXXX XXXX I was told that my IDR plan recertification was approved. I emailed again on XXXX XXXX asking for clarification as to what happened and notifying XXXX that throughout the summer, my minimum payments had been {$0.00} ( despite my IDR plan being recertified in XXXX ). I was told on XXXX XXXX that they did not receive my recertifcation on time, despite submitting it days before their notice that I ( erroneously ) had n't yet recertified and thus my partial financial hardship payment on the IBR Repayment plan expired and the unpaid interest was added to the principal balance ( through capitalization ) and that this was unable to be reversed! I was never told this was a possibility and I have never had this problem before in years of paying off loans. Now my monthly payments are approximately the amount they had been before, but my current principal balances have increased by a total of about {$15000.00}! Is there anything that can be done? I 'm already going to be paying these loans for the rest of my life!
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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: Credit reporting or other personal consumer reports

I was a victim of the Equifax data breach and inaccurate information needs to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also called the original creditor and file a complaint two months ago.