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

I started writing this company XX/XX/XXXX asking this company to validate and show me some contractual obligation bearing my signature. This company has not showed me any proper validation since my first letter dating back XX/XX/XXXX.XX/XX/XXXX i  wrote another letter asking them to validate the debt this company say i owe via XXXX.TRANSUNION, XXXX or some contractual obligation. They just give me response letters stating it's been verified and updated without any letters bearing my signature or obligation to pay this debt. I started writing letters again XX/XX/XXXX same response from XXXX, TRANSUNION, XXXX XX/XX/XXXX I received the same response from the credit bureaus without any proper validation or contractual obligation bearing my signature. I wrote letters again XX/XX/XXXX to the credit reporting agencies XXXX, TRANSUNION, XXXX. And on XX/XX/XXXX I received a letter from XXXX stating the company i been disputing these letters with had removed the inaccurate accounts from my credit file via XXXX ONLY I wrote letters back to TRANSUNION & XXXX ASKING THEM WHAT INFORMATION OUR THEY WITH HOLDING FROM ME BECAUSE XXXX HAS REMOVED THE ACCOUNTS. AND I ASKED THEM " DON'T YOU GUYS GET THE SAME INFORMATION FROM THE SAME CREDITOR? I CHECKED MY CREDIT REPORT ON XX/XX/XXXX THE INACCURATE ACCOUNTS WERE REMOVED FROM XXXX   CREDIT REPORTING AGENCY.I WROTE A LETTER TO TRANSUNION XX/XX/XXXX ASKING THE CREDIT REPORTING AGENCY ABOUT THE ACCOUNTS IN QUESTION AND I HAVE YET TO GET A REPLY ITS BEEN OVER A MONTH SINCE I WROTE TRANSUNION ABOUT THESE INACCURATE ACCOUNTS. I WROTE TRANSUNION AGAIN ON XX/XX/XXXX NO RESPONSE BACK. I WROTE AGAIN XX/XX/XXXX, XX/XX/XXXX. IT'S BEEN 3 MONTHS SINCE MY LAST LETTERS ASKING TRANUNION TO VALIDATE THIS DEBT THEY SAY I OWE.I REQUESTED " VALIDATION '' THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE SOME CONTRACTUAL OBLIGATION TO PAY THEM. I HAVE YET TO GET A REPSONSE. 


Desired Resolution / Outcome
Product: Credit reporting or other personal consumer reports

This item is identified as bankruptcy. The bankruptcy was dismissed. You need to remove this Bankruptcy from my record to make sure that I don't need to comply with my personal legal rights, which needs your conformity utilizing the law. Please delete this from my file. 

Bankruptcy XXXX XXXXdismissed Filed on XX/XX/XXXX  Reference number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquiries being furnished on my consumer reports : XXXX XXXX XXXX. - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX 2020
Product: Mortgage

I'm writing about my loss mitigation with Amerihome mortgage. I've been overseas for work for the last few months, and did not receive the paperwork for the loss mitigation before the deadline. Amerihome canceled the mitigation because the documents were not returned in time. I want to formally appeal this decision, and can provide documents substatiating that I took a new job overseas, but plan to maintain this home as my permnanet residence. I would like the mitigation to be reinstated so that I can get the documents to them in a timely manner. I told the Amerihome representative that I would be overseas, and they assured me the documents would be emailed, but this did not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX : {$0.00}, XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Mortgage

I have applied for numerous Loan Modifications with JP Morgan Chase Bank. They are unwilling to work with me to catch up on payments. I filed a Chapter XXXX. I tried to make my mortgage payments at the branch office and they would not take my payments. Chase also locked my online account for the mortgage so I could not make online payments. When I call to make a payment, it took well over a 1/2 hour to get a live person. I fell behind on my mortgage payments, they were awarded the to Lift the Automatic Stay. The Chapter XXXX  was not dismissed, Chase was only withdrawn from the Chapter XXXX. My Chapter XXXX payments were not reduced. JP Morgan Chase enforced the Foreclosure and there is now a Sherriff Sale Date set for XX/XX/2020. 
I have talked to JP Morgan Chase after applying for the Loan Modifications and was told I have too much equity in the home and that I make too much. The want {$25000.00} to reinstate the loan. 
I don't want to lose my home as I owe roughly {$70000.00} The home is assessed at XXXX. My credit score is XXXX so I can not obtain a refinance loan. I have been denied. 
I turn XXXX XXXX on XX/XX/2020, I have a 401K that I can withdraw funds from at that time and pay JP Morgan Chase at that time. They were unwilling to wait. I can not do it now as I already have 2 loans out with my 401K plan. I don't have enough funds available for a hardship withdrawal either.
Product: Credit reporting, credit repair services, or other personal consumer reports

False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with XXXX hours of this complaint being received. All items listed are fraudulent and inaccurate. In accordance with the Fair Credit Reporting act this information has violated my rights. 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. This is in clear violation of my rights. In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 XXXX Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This is still on going after years of fighting. I believe my only option left is to take legal action if these items are not removed. XXXX is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with XXXX hours of this complaint being received. All items listed are fraudulent and inaccurate and XXXX is breaking the law. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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. This is in clear violation of my rights. This has caused severe depression, hardship as well as severe anxiety to me, as well as my family. It is my consumer right to have unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct removed. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My credit score has been dropping over the few months ; when researching the cause, it seems that there is an " outstanding balance '' on on my XXXX XXXX credit cards. However, I had already paid this credit card off in full and therefore, did not believe that I had any balance left to pay. When my credit score dropped by another XXXX points this past round and the outstanding balance was cited again, I saw that there was an outstanding charge of {$1.00}. When reviewing my statements, it looks like even after I 've paid my last amount in full, there was a retroactive interest charge / fee that was applied without my knowledge, resulting in the {$1.00} balance that was applied in XX/XX/XXXX and carried over into XX/XX/XXXX. When I called XXXX 's Credit Card services, they removed the {$1.00} balance as a " courtesy '' ; however, they cited this charge as an interest charge. Despite the generous removal of this {$1.00} balance, my credit score has taken quite a hit. Therefore, I was wondering if there is any way that I can rectify this situation and / or if there are other factors that are contributing to my low score. Please let me know if there is anything that I can do / if you need additional information from me. Warmest regards, XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I requested a loan for XXXX $ I have paid XXXX $ I asked for the payoff, and they told me it was XXXX XXXX I have been paying on this and the payoff amount keeps going up instead of down, I can't afford to keep paying this, the amount I will owe is now XXXX $ I don't know what to do they are charging me 600 % interest that I can't afford. Please help advise me as to what I can do if anything. They are attached to my primary bank account.
Product: Credit reporting or other personal consumer reports

NOTICE TOAGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT I am writing to formally dispute the information you have reported on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration proceedings provided by ADR.ORG. 

I am fully aware of the financial implications associated with initiating arbitration proceedings, I am offering you a one-time opportunity to settle. You can compensate me with {$6000.00} for the XXXX XXXX XXXX XXXX XXXX, and financial hardship this inaccurate reporting has caused me. Additionally, you must delete the disputed trade-in from all reporting agencies. 

Here is a breakdown of the costs you will incur if this matter proceeds to arbitration : - Filing fee for both parties- Arbitration initiation fee- Arbitration deposit - Legal costs incurred throughout the arbitration process According to ADR.org, these costs will be covered by you, and they can amount to tens of thousands of dollars. Therefore, it is in your best interest to settle this dispute amicably. 

I also demand that you cease and desist all illegal activities related to this matter, including any form of communication other than through mail. As per 15 USC 1692c ( c ), you are prohibited from contacting me via any other means once you receive this notice. This statute states : " 15 USC 1692c ( c ) - If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. '' Please respond to this letter within 15 days to confirm the removal of the disputed trade line and your agreement to compensate me for the damages incurred. Failure to respond will result in the initiation of arbitration proceedings, which will be significantly more costly for your company. 

Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against [ name of credit reporting agency ] for violations of the Fair Credit Reporting Act ( FCRA ), which is codified at 15 USC 1681 et seq. Specifically, I believe that the credit reporting agency has engaged in actions that are in violation of sections of the FCRA, including but not limited to : Section 604, which outlines the permissible purposes for which a credit report may be obtained.

Section 611, which requires credit reporting agencies to provide consumers with a free copy of their credit report once every 12 months upon request.

Section 611 ( a ) ( 1 ) ( B ), which requires credit reporting agencies to promptly correct or delete inaccurate or incomplete information in a consumer 's credit report.

Section 623 ( a ) ( 2 ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information in a consumer 's credit report. 
Additionally, I want to bring to your attention that the following addresses are non-mailable addresses and should be removed from my credit report immediately : XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX I have not authorized any person or entity to request or obtain a credit report for these addresses. Therefore, any information related to these addresses is a violation of the FCRA. 

As a result of these violations, I have suffered damages, which may include but are not limited to : [ describe the specific harm you have suffered, such as lost job opportunities, denial of credit, etc. ]. I am therefore seeking monetary relief for each violation of the FCRA, including actual damages, statutory damages, and, if applicable, punitive damages.

I have attempted to resolve this matter directly with the credit reporting agency, but have been unable to do so. I am therefore requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the credit reporting agency complies with the FCRA, removes the non-mailable addresses from my credit report, and obtains written consent from me before releasing any credit report information for any future addresses.

I have attached documentation supporting my complaint, including copies of my credit reports and any other relevant correspondence with the credit reporting agency. 

Thank you for your attention to this matter.
Product: Checking or savings account

I cash my mobile check in XX/XX/year> and still haven't got my funds and Citi bank closed my account for no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to XXXX XXXX at the following address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I sent the letter to XXXX XXXX on XX/XX/2018 and it was received anywhere between XX/XX/18-XX/XX/2018. I know the letter was received by XXXX XXXX because they sent a dispute update to Equifax but did not notify me by mail. According to fair Credit Reporting laws, XXXX XXXX should have provided me with a substantial documentation of verification that I owed such debt listed under account # XXXX. I also see in the notes that the account has been transferred and sold off to another creditor which has never contacted me about the debt. Because the law has been violated I demand that this account be removed immediately from all three credit bureaus. I do not want to have to take this issue to court but I will if need be. Please resolve within 15 days according to law. Thank you.
Product: Consumer Loan

in 2014, I got a loan from NetCredit. I had financial hardship and could not keep up with the loan payment. I tried to settle with XXXX and was unsuccessful. XXXX has ruined my credit for the last 2 years. I just informed that they sold the loan. I would like XXXX to rescind that sale and stop ruin my credit profile.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I mistakenly used the wrong checkbook linked to a XXXX ( XXXXXXXX XXXX ) account, causing my mortgage payment to fail. While traveling abroad, I missed bank notifications. Upon returning, I promptly made the payment, but it was processed on day 31 after the due date. 

I later learned from a XXXX XXXX XXXX XXXX Representative on XX/XX/year>, that my automatic payment schedule was set for the first days of the month, 15 days after the due date. I disputed the late payment with all three credit bureaus ( Equifax, XXXX, and XXXX ), but it remains on my credit report. 

To resolve this, I visited a local XXXX XXXX XXXXXXXX branch and spoke with a manager. I also called customer service at least four times, but my goodwill request was denied despite my 18-year banking history and previously clean payment record. 

I am requesting that XXXX XXXX XXXXXXXX update my credit report to remove this late payment as a one-time goodwill adjustment, as this was an isolated and unintentional incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a police report with XXXX Police Department in Texas with the Report # being XXXX on a case of identity theft with XXXX XXXX XXXX XXXX under account # XXXX across all three credit bureaus. I had a fraudulent credit card opened in my name which I regret doing I paid this account off after numerous attempts to collect debt from me from XXXXXXXX XXXX XXXX XXXX  My information was exposed in a data breach on the dark web and with me being young at the time I didn't know that I could dispute identity theft and I thought that I had to pay this credit card even though I had my identity stolen and I had no idea about disputes. XXXX had also told me that if I paid this account this account would be put behind me and be removed from my credit report and would no longer hurt me. For the past 6 months this representative and discover lied to me. I am still being affected by this fraudulent credit card that was opened in my name as this account has XXXX late payments and still isn't removed from all 3 of my credit bureaus. I sent in the police report along with FTC reports to all 3 bureaus with no avail. I need the CFPB help with this situation as I have no where else to turn to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX  # XXXX, has violated my rights. 

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
Product: Checking or savings account

On XX/XX/XXXX I opened a Citizens Bank XXXX XXXX XXXX XXXX account and I used the promo code XXXX to earn a {$250.00} bonus after completing requirements. The requirements for the bonus payout are as follows - 1 ) Open a XXXX XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX and XXXX ) have at least one single deposit of {$2000.00} or more post to the account by XX/XX/XXXX then remains on deposit until XX/XX/XXXX and 3 ) have five qualifying transactions post within the two months stated in the table below. Qualifying transactions include deposits made at a Citizens branch, ATM, or through the mobile app ; payments made by check or Online Bill Pay ; debit card transactions include signature and PIN-based debit transactions in person directly at a merchant location or in app or online merchant sites. 

Bonus will be deposited to the new business checking account by XX/XX/XXXX. 

I completed all the requirements a didn't receive the bonus. 

I've attached a copy of the offer page, a screenshot of my transactions and the last 4 months of statements.
Product: Credit reporting or other personal consumer reports

I sent a letter to three bureaus to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXXXXXX Balance : {$2200.00} ; 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
Product: Prepaid card

Attached is a gift card for {$750.00} that when I went to use was used fraudulently and amex sent me new card and not sure why they decided to send to state when expiration date is XX/XX/32. However beside the point as I have been denied the usage of this gift card at everywhere American Express is accepted. The only place I have been able to use Amez Gift Cards is XXXX so I am asking for cash out on this gift card or the CFPB to adivse AMEX to stop advertising that their gift cards are accepted everywhere American Express is accepted.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed several inaccuracies. This account is hurting my ability to obtain credit.
Product: Debt collection

In XXXX of XXXX, my wife and I purchased our XXXX home. During that process, we solicited quotes for homeowners insurance from many companies, including XXXX XXXX. In the end, XXXX XXXX was not selected and we never signed any documents with them. Fast forward to XXXX of XXXX and I receive a notice of a debt owed to XXXX XXXX. I sent the debt collector a letter dated XXXX XXXX, XXXX stating the above. Despite giving them my phone number an email address in this letter, I never heard back from them and I though we were finished. Yesterday, XXXX XXXX, XXXX, I received a notice of the same debt! After being notified in XXXX of XXXX that there was no debt and in fact no contract with the company, the collected has once again contacted me to pay, in violation of the Fair Debt Collection Practices Act.