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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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: Mortgage

In XXXX my daughter and I submitted an application to assume the mortgage of the home we are purchasing. Nothing in the Mortgage or the Application stated the we were required to be blood relatives of the transferor. We submitted 410 pages of documents with the application. Weeks later additional documents were requested, including that we prepare an Assumption Agreement that was signed by the transferor and us. When we called to request a form to use we were told that they had no form for the Agreement. We complied and submitted 145 more documents. Today we received a vague denial letter stating that our application was denied and " Loan not assumable ''. When we called we were told that we were declined because we aren't blood relatives. At no time in the lengthy process were we told that this is a requirement, nor have we been able to get answers to our questions about this. We have reviewed XXXX XXXX Guide Section 8406.4 which clearly states that we DO NOT have to be blood relatives. Rather under section 8406.4 ( d ) " the Servicer must prepare a written assumption agreement that must be signed by all parties ... '' WE PREPARED THE AGREEMENT AND IT WAS SIGNED BY ALL PARTIES. Chase is disregarding and misapplying the rules and if this was a requirement why not disclose it up front and not even accept the application. We strongly suspect that Chase is not being honest. Since our credit is excellent and we meet all other requirements we believe that they denied our applications because of my age ( XXXX ). This entire process was ridiculous and so shady.
Product: Checking or savings account

On XXXX XXXX, I made a purchase from a auction for XXXX. I ended up getting sick and put in the hospital. The man who runs the auction text me while in the saying he didn't want anyone to steal my things so he would drop my things off at my home if someone was there. I said yes it is he delivered the stuff to someone else home. I texted him and asked where was my stuff. He said he deliver to XXXX I said that is not my address mines is XXXX I said I gave you the correct address. He said he would go to the house I went also the people live there said they don't have it. I asked the man for my money back. He refused I notified my bank and sent the messages showing he did not give me my stuff. My bank refusing to give me back my money also. If products and goods not received I deserve a refund. Please help me
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries. 

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: Checking or savings account

On the XX/XX/XXXX I tried to make a transaction for XXXX it did not go through on the merchant side but wells fargo processed the payment. The merchant and myself made a phone call to dispute the transaction. I was then told it would fall off in two or three days and if it did not they will credit my account. They credited my account like they said and I assumed everything was fine now. Well I get a letter today XX/XX/XXXX stating that the found the charges to be aild and they will take the XXXX they credited back. I have called and went around with these people and asked them to pull the tapes from that day. They say they cant do that and on top of it everything from the XX/XX/XXXX is now magaically gone. Nobody said this would a temporary credit pending investigation and I dont feel I should pay for there mistakes!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TWO ACCOUNTS WITH ONEMAIN : 1- THE FIRST ACCOUNT IS PAID AS AGREE WHIT XXXX BALANCE. 
2- THE SECOND ACCOUNT I MADE APAYMENT ON XX/XX/2018 CAMPANY ALWAYES REPORT THE END OF EVERY MONTH Until NOW THAT ACCOUNT NOT BEEN REPORTED TO XXXX , XXXX AND XXXX . IN THE PAST EVERY TIME WAITED OVER 3 WEEKS TOTHEM REPORT THE PAYEMENT AND EVERY MONTH I DISPUTE THE ACCOUNT THAT WHY AS CONSMER COMPELAINE ABOUT ONEMAIN.
Product: Debt collection

Portfolio Recover keeps on calling me everyday after I tried to settle the account and could not reach an amount number. 
I have asked several time to stop calling me, they have also tried calling me at work and haraism coworkers. 
i am afraid that I will loose my job as a result of their harassment call 's XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the ongoing issue concerning the correction of late open accounts on my record, despite my several attempts to rectify the situation. Despite providing extensive documentation and adhering to the prescribed procedures, it is deeply concerning that the problem persists without resolution. 

This recurring issue not only causes me significant inconvenience but also undermines my trust in your organization 's ability to manage such matters competently and effectively. It is unacceptable that despite multiple attempts, the late open accounts remain unresolved, raising questions about the reliability and accuracy of your record-keeping processes. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open account entries on my record. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX, XXXX XXXX Balance : {$23.00} ; XXXX XXXX XXXX XXXX Balance : {$4100.00}.
Product: Credit reporting or other personal consumer reports

I am asking for goodwill on my late payment in XX/XX/year>. I was going through financial hardship at the time and yet that was the only time I was late on my credit card. Please give me a second chance and make goodwill on the one-time late payment and change it to report as paid on time to XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes Everything I've tried everything to remove those credits for years and popping up also paid for all types of services nothing changed
Product: Checking or savings account

On XX/XX/XXXX, money exited my checking account without my authorization or consent. The bank indicated said they made a mistake and sent money out of my account in error. They have done nothing to fix it on their side and I have not received any confirmation that they will do anything to fix it.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance {$0.00} Chapter XXXX Bankruptcy XXXX Reference # : XXXX Date Filed : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Reference # : XXXX Date Filed : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Please note : XXXX stands for XXXX XXXX XXXX, which is me ( XXXX XXXX ) Mortgage company is not being responsive, please see attachments. I have tried to contact lender on following dates : XX/XX/XXXX - confirming lender received documentation XX/XX/XXXX - called twice no one answer the call XX/XX/XXXX - called twice no one answer the call XX/XX/XXXX - email lender and cc XX/XX/XXXX - called lender was on call for 20 min., only to be told she can not help but will pass my contact info to the loan counseling dept hopefully someone will call back in 24-48 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the the card companies as well as the credit agencies. Ive been dealing with Identity theft for over t he last two y ears. There are  XXXX  credit cards that were opened that I did not authorize and they are using my correct social security number but incorrect date of birth. I would like for these credit cards to be removed from credit report.     1.  XXXX     XXXX   XXXX   ( OPENED DATE  XXXX / XXXX / 2016  )  2.   XXXX   XXXX   XXXX   XXXX   XXXX   ) ( O PENED DATE  XXXX / XXXX / 2016  )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX US DEPT. OF EDUCATIO Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX US DEPT. OF EDUCATIO XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX US DEPT. OF EDUCATIO
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A NEW COMPLAINT!!!! 
I have a loan with CCB/CHLDPLCE. I have always made my payments on time. For some reason, I realized that there are multiple late payments on my credit report. As you can see, I have always had a stellar payment record with this company. I placed XXXX  XXXX on my Childrens Place account and they were required to pay all billing while I was out on XXXX  leave for those 12 months. They failed me!! I tried contacting both XXXX XXXX, ALL THREE BUREAUS and CCB/CHLDPLCE with no successful resolution. There was definitely an error on their part. You guys are reporting late payments for all different months for each three credit bureaus which means it is INACCURATE and needs to be REMOVED IMMEDIATELY!!! You are trying to diminish my character and I am not happy about it! was never 30 days late XX/XX/XXXX, never 60 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days XX/XX/XXXX. THIS NEEDS TO BE REMOVED IMMEDIATELY!!!
Product: Credit card or prepaid card

The account was closed for XXXX  XXXX  which is false. I made a payment on the account and requested a credit information letter on XX/XX/2022. I was told the letter would be emailed in 1-2 business days. The letter was never emailed. I called again today and was told the letter could not be emailed. I asked why the letter could not be emailed. The representative then put me on hold. She came back and told me the letter would be email within 10 mins and I told her I would stay on hold until I received the email. She told me she could not stay on hold until the email was received. I advised the representative that the call was being recorded for my protection. She then said she could not stay on the line and disconnected the call.
Product: Credit card or prepaid card

This case revolves around capital one credit card mishandling of my file. Last year I got into a business dealing with a merchant. That merchant did not fulfill their side of the bargain, which prompted me to inquire about my money back. That transaction was paid with my Capital one Credit card. I let Capital one know of the issue by originally filing a fraud case. One of Capital One 's fraud XXXX reaches out to me and advised me to deposit a check sent by the merchant many weeks after the altercation. I kept a check sent to me by the merchant with no intentions of cashing as I had already had the charges reversed by Capital One.Upon the advice of the Capital one representative, I go cash the check and accept the resolution offered by the representative. However, the check was stopped by the merchant and left me with a balance that I am responsible for. I called Capital One to let them know and they said they would dispute it if a response letter was written to the letter they intended on sending me. Once I received the letter, I quickly responded with a letter and supporting evidence. Capital One call me back weeks after receiving my application on XX/XX/2018 to tell me my claim was denied because I didn't get documents to them. Moreover, they won't take responsibility for the counsel given by their representative to deposit the check which led to other fees accruing because of the stop Pay. I spoke with Representative ( # XXXX ) and he stressed to me that they were out of time to retrieve the funds and that I should have sent them everything. My response was, this case has been on the table since last year, I have sent them everything that they require. The document that they are requesting can be supported by the documents that I submitted. Moreover, I was never informed by XXXX that they needed more documentation until today when I found out it was declined. ( XX/XX/2018 ) Capital One is maliciously trying to shift the risk from itself to the cardholder by not indemnifying the cardholder and not reviewing supporting documents in a timely fashion
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I am filling a complaint against Huntington National Bank. This is a huge violation of UDAAP. My husband XXXX XXXX passed on XX/XX/XXXX and I reached out to LITIGATION DEPARTMENT letting the know he passed around week after his death. 
XXXX and XXXX XXXX told me that they need a copy of his death certificate I advise once I receive I will forward them a copy. Account was current. and never late check the payment history. Ive asked XXXX XXXX can I assume the loan and he said yes and to keep the account current. He told me by assuming the loan this will not report to my credit because it never went through loan originations. Now its XX/XX/XXXX I emailed XXXX XXXX to advise that I was still waiting on the death certificate with NO RESPONSE from XXXX. The communication never stopped from me. The account was never late!!!!!!! XXXX called me on XXXX XXXX and said he need something showing hes deceased and I provided XXXX XXXX with documentation from morgue, copy of obituary, statement of death from the funeral home and he said those documents were ACCEPTABLE to confirm hes death. Now its early XXXX and I received a call from XXXX in Litigation and he said the account was charged off XX/XX/XXXX. I told him that the account CANT be charged off due to my communication with them and I provided documentation to XXXX showing my husband was deceased. XXXX called me back the same day in XXXX to say that he messed up and didnt put the account into a SPECIAL QUEUE TO HOLD THE ACCOUNT. XXXX XXXX said he was to having a meeting with his manager because he messed up. XXXX nor his manager removed the charge off account status from the account. So now since I assumed the loan they are reporting to the 3 credit bureaus I have a charge off which is incorrect. The error relies on XXXX XXXX at Huntington for not following his policy & procedures nor the workflows now because of XXXX error I have this issue. I have excellent credit and I need this removed from my credit asap. I need a corrective action letter from HUNTINGTON NATIONAL BANK to show that the charge off reporting has been corrected emailed and XXXX to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Debt collection

In XXXX of 2017 I saw a late payment reported on my credit report. XXXX of 2017 I contacted the company to find out what it was. The representative explained to me that I failed to make the monthly payments. I explained to them that I was not notified of failure to pay the monthly payment. The representative said they called me and I told them I would call them back. I told her if I knew it was them I would have asked all the same questions that I was asking on the current phone call. I explained to them that I was not made aware of the date of repayment and the representative agreed that they had not made any other attempts outside of using an old email address and the one phone call. I asked if they sent anything to my residence and the representative said no. I asked why not and she kept responding that was all they did.
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The representative proceeded to tell me that my credit would continue to be negatively affected if I did not pay a certain amount of money, and that if I did pay that amount, they would go back and correct their mistakes. I asked for this agreement in writing. The representative ignored my request and continued to ask for a form of payment. I asked for a supervisor and the representative told me that they were unavailable. I continued to ask for someone with the ability to provide the statement that I was unaware of the payment dates and amounts and the representative said they would tell me the same thing and that someone would contact me.
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The next week I called again to speak with a supervisor and the representative told me again that if I paid what they were asking for they would provide the letter stating that it was their oversight and they did not send me a notice and understood that I was not aware of the amount and dates. I told her that if they knew it was their responsibility to make me aware and they did n't that I should not be penalized for it. I told her that I would like to have a supervisor contact me to discuss this issue and the representative told me that I should make the payment and then dispute the late payment reports and that request would go straight to the supervisor and she would change it. I again asked for that in writing or to speak with the supervisor that had that authority. I also asked why, if I was willing to make the payment, and she could do it at any time, would n't they do the right thing and fix it now. The representative told me that I would have to pay first to have it changed.
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Aside from knowingly misreporting my payment status, this company threatened my credit further and tried to convince me to give them money to " fix '' my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX Date Opened XXXX XXXX {$180.00} Account Name : XXXX # XXXX OPENED XXXX XXXX {$710.00} Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$520.00} Account Name : XXXX LAW # XXXX OPENED XXXX BALANCE {$980.00} Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$1600.00} Unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NORDSTROMTD XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid, company agreed to delete account. The account has been negatively affecting my credit score Ive reached out to experian and genesis to resolve this issue
Product: Debt collection

I had contact Receivable Management about XXXX dollar debt. I have requested for a validation, they still havent verified nor validate my request.