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

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. my name is XXXX XXXX XXXX please remove any other name from my credit file. 
I am currently XXXX XXXX please remove XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I never work for these companies. 
XXXX, XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX The following phone numbers are not mine please remove :XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX   ( XXXX ) XXXX-XXXX
Product: Debt collection

Jefferson capital has been on my credit report for years for the balance of {$310.00}. Ive tried disputing it multiple times and I just get its been verified. Ive not once received a letter, a phone call, or anything proving to me that I own this debt and I have no recollection of acquiring this debt.
Product: Mortgage

I received a XXXX from PHH Mortgage Corporate for a charged-off mortgage. The XXXX is inaccurate. Specifially, box # XXXX ( identifiable event code ) is incorrect. Box XXXX current lists " XXXX or Policy to Discontinue Collection '' as the event code. However, this loan was part of my bankruptcy that was filed in XX/XX/XXXX and the home was later foreclosed on. Accordingly, the code should be reported as " A-Bankrupcy. '' The reporting is incorrect and I was unable to correct this by speaking with the customer service represenative, the issue was not able to be resolved. 

Further, there was a recovery of part of the debt due to the foreclosure sale in XX/XX/XXXX. Accordingly, the amount of chargeoff is less than the amount shown since much of the balance was recooperated with the foreclosure sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank, XXXX XXXX Bank, And XXXX services are XXXX credit accounts that should have Been removed from all my credit reports completely. I have reached settlements with XXXX XXXX and XXXX XXXXXXXX, paying them money in order to have these negative items removed. They did not follow suit, but instead are asking for more money. This is a big lie and should be considered fraud since they took my money. XXXX XXXXXXXX bank even took my money then sold the account to XXXX XXXX to collect the same debt, if not more. I dont understand if we both reached an agreement. 

XXXX XXXX XXXX, was a company that went bankrupt. The debt is no longer mine. XXXX still having trouble removing it from all three credit reports.
Product: Credit reporting or other personal consumer reports

I took out an auto loan in XXXX of XXXX, The loan is showing up on other reports as 100 % paid and for id verification, which verifies it is part of public record. The lending company has submitted my documents 3 times to the reporting agencies, with my payment updates but I have yet to see the loan reflected on my reports. I have now paid off my loan and still no reflection on my reports. XXXX, XXXX, XXXX credit agency is under fire for not reporting the report XXXX u please investigate this problem & take matters of making sure this reports please thanks. I have uploaded all the files. By law you must have this report reported on my records. I will include documents showing the account has been paid in full since last XXXX XX/XX/2022 & still not reporting.
Product: Credit reporting or other personal consumer reports

XXXX Name : ** XXXX XXXX XXXX Social Security Number : ** XXXX **Consumer Date of Birth : ** XX/XX/XXXX **Contents of Complaint : ** I am filing this CFPB complaint to request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian, as the credit reporting agency , block the information on my consumer credit report resulting from identity theft and fraud within XXXX business days of receiving this complaint. The fraudulent, inaccurate information includes personal apartment rental accounts and collections from : - XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX ( XX/XX/XXXX ) These accounts have led to several fraudulent hard inquiries and collections on my consumer XXXX credit report. I have attached a list of the hard inquiries and a copy of my XXXX credit report, which shows these fraudulent items. I do not recognize these accounts, collections, or hard inquiries. They were not initiated by me and are the result of identity theft and fraud. 

Additionally, I have included a copy of the FTC Identity Theft Criminal Complaint XXXX XXXXXXXX from the US Federal Trade Commission, verifying that these accounts, collections, and inquiries are the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I’ve been disputing this item for 3 years now. My latest attempt was XX/XX/2019.Spent over 10,000 on repairing my credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This breach has resulted in several unauthorized accounts appearing on my credit report and associated with my Social Security number, which I did not open or authorize. Pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate blocking and deletion of these fraudulent accounts from my credit report. Per ( 611 of the FCRA ), the Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers, which Transunion has failed to do. 

Details of Fraudulent Account : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Student loan

Hello, My name is XXXX XXXX and my social security number is XXXX. I was steered into foreberance/hardship when I was eligible for income driven payment plans when my loans were serviced by XXXX. This caused me to gain more than $ XXXX in interest to my student loan accounts. They were also placed back into repayment while I was still in school as a student. 

Please help, Sincerely, XXXX XXXX
Product: Mortgage

We have been trying to work on a modification through BSI for XXXX XXXX since XX/XX/XXXX. The servicer stated they sent missing documents letters and set a foreclosure for XX/XX/XXXX which our firm was able to get postponed and we resubmitted for modification. I spoke with the assigned agent today, XXXX XXXX, who stated that the borrower is not entitled to a modification review and that they sent a denial for missing documents on XX/XX/XXXX when in fact I received a complete application letter on XX/XX/XXXX and on XX/XX/XXXX they stated the file was still under review. I called them again on XXXX/XXXX/XXXX and the assigned agent was not available so they said they could not give me an update, the only agent allowed to discuss was XXXX XXXX. I left a voicemail to which I received no response. Today, after calling twice, a customer care agent was able to reach her and she rudely stated the account was denied and that the borrower had not paid for X amount of time therefore, the denial should not be deemed " unfair ''. We want to formally file a complaint as we believe their processes to be unjust. Now, they will deny any application and the agent stated, per your guidelines, they can decline if the application is submitted within 37 days of the foreclosure, yet we have been trying to get this completed since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Dear CFPB, My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

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: Money transfer, virtual currency, or money service

To whom it may concern, Several months ago, I sold some of my coins and had the funds deposited into my XXXX wallet. I recently decided to move the funds to my bank account but was unable to move them. I contacted support XX/XX/23 on the app and was told that the funds, which were listed under open orders would need to wait since I recently topped up some money to my card, per the support person 's instructions, which would require a week 's turnaround for it to post. This came at the end of a long conversation with support where they kept telling me that I had to sell crypto. I was not interested in selling crypto. I wanted the XXXX money in my wallet withdrawn. I was given this canned answer multiple times before we got them telling me to try topping up my card, which was a coinvent way to get rid of me because I tried to move the funds today after the deposit posted and still could not. The first person apologized to me, stating they would have this matter investigated and would get back to me. They never did. Conversation ID : XXXX Today, I contacted support again and asked for help and was given the same instructions to sell crypto. This time, they told me that if I sold some crypto, it would move all of the funds back to my XXXX wallet since the money I was wanting to move was in what they called a " Main wallet ''. I sold some crypto and was only able to withdraw the amount I had just sold. I reported this concern and they said that should have worked. They then defaulted to again to telling to me sell crypto. I explained that I had already done that and would like an alternate solution. They kept repeating this same answer until I asked for a supervisor. They told me that I need to sell the amount of crypto that I would like to withdraw, if I want the rest of my funds. The initial amount I sold was for {$100.00}. I still have {$9600.00} sitting in a " Main wallet '' and support doesn't seem to know how to move to a XXXX or help me in withdrawing it. They also refused to get a supervisor after I asked multiple times, choosing instead to repeat themselves over and over again to sell the equivalent amount I would like withdrawn, which makes no sense since I already have the funds as cash. Being told I have to sell crypto in order to get access to money in my account doesn't make sense and it's clear the person working in support doesn't care because all they can do is repeat themselves and refuse to escalate the matter. Conversation ID : XXXX I very much get the impression that I am being scammed since this seems to be an issue where my funds just aren't available to me for some reason and nobody has an explanation why. I have been a customer for years and I have always liked the services provided to me but this experience has been incredibly disheartening. Any assistance would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

my.equifax.com account only worked about 6 months out of XXXX, it worked for a little while after my XX/XX/XXXX complaint, it has not worked since XX/XX/XXXX. It has said " We are temporarily unable to complete this request '' since XXXX. I just tried to get my free annual credit report and was told " We've experienced an issue processing your request ''. I even paid {$9.00} for the premium service to see if that would help, it did not so I canceled the service and now feel like they stole {$10.00} from me! I have cleared cache/cookies, 2 different networks, and tried 3 different browsers. 

I already know from a year ago how horrible and useless their customer service is, I can not believe this miserable company that does nothing to help its customers is in charge of making decisions about our credit worthiness.
Product: Debt collection

I just received a letter from Linebarger, Googan, Blair and Sampson LLC. I have tried numerous to do payment arrangements with the State of Illinois, I just went back to work in XX/XX/XXXX after being out of work for 5 months, then I tried to get through to the law firm but I am waiting on hold for several minutes, then automated system asked me to out to put in the reference number but I never get to speak to anyone. I should not be charged any collection fees, the State of Illinois also informed me in writing they would take my taxes which I am okay with but State of Illinois should be more willing to work with people. I was out of work and unemployment did not cover all of my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get a car from Toyota and ran my credit a total of XXXX times, I have them {$2000.00} in cash as a down payment. XXXX days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan.
Product: Mortgage

I applied for a covid deferment after being on a covid forbearance I am also divorced, I was granted the deferal, however my wife was placed on it as well and I was told she would not be as I had submitted the quit claim deed with the paperwork,
Product: Mortgage

I just completed a refinance moving my loan from XXXX to Cardinal Financial. During the application process, i asked if there were any prepayment penalties and can i make bi-weekly payments. I received in writing onXX/XX/10 : Hi Mr. XXXX, There is no prepayment penalty and you are able to make bi-weekly payments after you fund. You will be able to set this all up after closing. 
XXXX XXXX | Retail Transaction Coordinator Cardinal Financial Company , Limited Partnership | NMLS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX Phone/Fax : XXXX | cardinalfinancial.com My loan just closed and was funded, and while registering my new account I attempted to set up automatic bi-weekly payments. The website only allowed monthly payments so i called customer support and they informed my they do not allow bi-weekly payments and sorry for the misinformation. This was a big deciding factor for refinancing with Cardinal Financial. I would have never chosen them as a lender knowing this information now. I asked the supervisor how there is a disconnect between the loan originator and loan servicing and she said they do not speak to that department, and there is no a way to inform the origination team they do not support this payment option. 
To me this is a direct UDAP violation selling customers on a product that is not even supported by Cardinal Financial and should be addressed immediately so other potential costumes are not impacted with illegal marketing practices of Cardinal Financial.
Product: Debt collection

This credit card was with XXXX XXXXXXXX bank they sold my personal information to a third party without my consent according to USC code 5 usc 1681 section 602 right to privacy 15 usc 1681 section 604 ( a ) can not furnish a account without my consent or instruction my rights are being violated and my selling my personal to a third party in which that is identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiple dispute and fraud reports to XXXX and the collections agency. I have yet to receive any documents from XXXX  or the agency furnishing the results of the dispute. They have not sent back anything paperwork/documents verifying that this is my account. They only close my dispute and say they verified that it is my account without any proof.
Product: Mortgage

I am in the beginning of the foreclosure process with Flagstar because they have denied me access to government programs that I qualify for to help struggling homeowners with XXXX XXXX. My hardship was due to Covid related income loss ( I was laid off ) and eventually was approved for a loan modification in XX/XX/2022. One month later my wife told me she wanted a divorce and moved out and I lost my job. I was able to make 4 months of payments from money that I had saved up but was overwhelmed with bills and also legal fees for lawyer to protect my children in custody battle. I kept in contact with Flagstar and they told me I had lost the original deal and needed to apply for help again. This process took several months to actually get reviewed ( I could have been making mortgage payments during that time ) and Flagstar would not accept payments until the review was done. I was recently told that I was denied for assistance options and that my loan was going into foreclosure. I looked over the denial letter from Flagstar and looked at guidelines for XXXX  loss mitigation programs. It said that Flagstar is required to consider all feasible loss mitigation options and there are several that they did not look at such as special servicing modification, special forbearance or a 12 month repayment plan. They also did not consider a mortgage recovery advance or XXXX XXXX XXXX XXXXXXXX XXXX modification and did not consider pairing two different loss mitigation options together which the XXXX  allows. My hardship is resolved, my financial circumstances have improved and Flagstar is required to conduct a full review of my current and correct financial information for all XXXX programs. I believe that Flagstar has denied access to government programs that should be made available and have engaged in questionable servicing practices. I have owned my house for 13 years and live here with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and girlfriend and live in babysitter and cant lose this house and really need these guys to work with me. 

I have worked in steel manufacturing for many years and am now in management. When Covid hit my state it was declared a disaster area ( their denial said there was no disaster declaration ) and I ended up getting laid off from my job. I continued making payments as long as I could but eventually could not keep up and contacted Flagstar to ask about help for Covid related income loss. I do not recall being offered the CARES forbearance which I found out that Flagstar was required to provide access to since I have a government backed loan. Eventually I was approved for a loan modification in XXXX because I was back on my feet and then one month later the whole thing fell apart with my wife filing for divorce and custody of the kids and then losing my job. 

My hardship is resolved and I have the ability to pay my mortgage payment. I am sorry that this situation happened, but I had never had a problem with my payments until Covid hit and wiped out my business.
Product: Credit reporting

I disputed all inaccurate and incomplete items on my credit report due to lack of original documentation being provided a few times to no avail. Experian continuously updates my report saying the items have been verified when the FCRA states that if the original documentation can not be produced the allege account or debt are inaccurate and/or incomplete.
Product: Mortgage

Guild mortgage has attempted 3 times to make unauthorized debits against my checking account. I have not set up auto pay with this institution nor did I authorize a one time electronic debit authorization. The first unauthorized attempt was made on Monday XX/XX/XXXX. The second was on Thursday XX/XX/XXXX. On the XX/XX/XXXX I contacted my financial institution to verify that Guild mortgage was the correct company attempting to access my account. I also contacted Guild as was told no such attempt was made. Guilds customer service line further informed me to e-mail the customer service department to open a order to rectify the matter. I sent the e-mail on XX/XX/XXXX to their customer service department. I received the following reply the same day " Thank you for your recent inquiry to Guild Mortgage Customer Service Department. We appreciate the opportunity to assist you. We will review your inquiry and provide a response within three ( 3 ) business days.

Guild Mortgage Company Customer Service Department **** PLEASE DO NOT RESPOND TO THIS AUTOMATED RESPONSE**** Customer Service N/A Customer Service O : XXXX Company NMLS # XXXX Equal Housing Lender Guild Mortgage Company '' Today XX/XX/XXXX a third attempt was made to debit my checking account. I contacted guild at XXXX and was told that my e-mail was ignored because i did not send a copy of my checking account showing the charges. I feel that sending my account information to a unsecured nonspecific general e-mail account is inviting further unauthorized transaction or outright identity theft, and will not be doing so regardless of their request. So I asked to speak to a supervisor and informed them that I would lodge a formal compliant with the FTC, FDIC & CFPB.