23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I pulled my credit report from experian and XXXX and XXXX and noticed that the balance of my car loan with arrivo acceptance had not been updated since XX/XX/2023. I called XXXX XXXX and asked why are have they not updated the balance on my car loan with them since XXXX of 2023 I asked them to please update the info with the correct balance as I am trying to buy a home. I was told that I needed to send a email to them to dispute the balance which I did. I have sent a email every month since then and the balance has not been updated.I have attached a screenshot of the balance on my loan with XXXX XXXX and a copy of my current credit report.
Product: Money transfer, virtual currency, or money service

I was on a dating app and this person talked sweet and suggested investing to help my situation financially being a single mom with a son. He walked me through from my bank account funds through a lot of wire transfers to XXXX, XXXX, Uphold then the funds were transfer to XXXX  XXXX to a fake platform called XXXX Options. I thought I could withdraw my funds anytime but when I asked for withdrawal. I was told to pay this extremely high personal income tax payment upfront before touching any of my funds. I then called XXXX and found out my account does not exist in their system. The scammer is now asking for more money or else my identity will be sold.
Product: Checking or savings account

The problem is with the Santander Bank acct # XXXX. this is a joint checking account with my XXXX XXXX XXXX XXXX whom XXXX on XX/XX/XXXX. I tried to close the account and was told it could n't until the estate had been settled, fine, the problem is that they deducted since XX/XX/XXXX a {$16.00} a month for '' inactivity fee '' I want that money to be reimbursed into the account until the estate is settled and I can withdraw the full amount.
Product: Mortgage

Good afternoon. I have had a mortgage XXXX company for 16yrs this XXXX. My original mortgage company was XXXX XXXX XXXX & then they merged with your company. They let me put my closing costs on the back end of the loan but when they merged with XXXX, then this company made those closing costs a 2nd mortgage for me. I have tried & tried to refinance for over a decade because XXXX still has me at a 6 % interest rate which has my monthly payments extremely high & has always been unbearable to stay on top of. A couple years ago, XXXXXXXX XXXX offered to refinance by loan & even take over the 2nd mortgage loan & consolidate them into one but XXXX would not let me out of my mortgage with them until I paid the 2nd mortgage in full first. Makes no sense how a company MAKES you stay with them & forces you to for 16yrs! XXXX has never been willing to help with their customers at all, even through really tough times! Now, here I am trying to refinance yet again & even get some equity out of my home to pay down some debt & do some home updates & XXXX have put delinquent marks & late payments on my credit thru this Pandemic. XXXX  should remove any late payments from my credit from XXXX thru until the end of XXXX. Theres no way they should be penalizing anyone for having any late payment at all thru anytime from the beginning of the Pandemic until the end of the Pandemic period. I lost my job during it & was panicked about what I was going to do. I did start to receive unemployment & stimulus checks is the only reason I was even able to pay on my mortgage at all. But those were delinquent at times coming in & it was all extremely stressful time & has been for everyone for over a year. XXXX needs to remove any late payments or derogatory remarks or negative marks on someones account during this Pandemic from XXXX of XXXX until XXXX XXXX. Its horrible that this company would try to hurt someones credit & not show forgiveness on their reports for being late during this scary & uncertain time. I have had the hardest time with this company & some of the rudest representatives & have tried to refinance but they still refuse & force me stay at a 6 % interest rate & Im done with it. I have been forced to be with XXXX for too long & have been forced to pay 6 % for too long so I am reaching out to companies & the XXXX to help me with this company. I have sent them this same email & complaints & they only responded by saying they would send it to the right department or persons for a response & still have not heard from anyone there at all. I emailed them on XX/XX/XXXX. I would just like some help to remove late payments from the beginning of the pandemic until it's over to give people a chance to refinance to lower their payments or to be able to take out their equity to pay off debt or to make improvements to their current home. Please someone let me know if there's anything that can be done against this horrible mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I hope you are well. 
So what happened was that I was just trying to sign up for TransUnion and it needed a debit/credit card for " verification ''. Then I was immediately charged {$26.00} on the day of this email. I looked around the internet and saw they people were also charged an amount without them knowing the price they had to pay. What if the fees were {$100.00}? What if it was higher and none of the people who put in credit card info did not know they were going to be charged. This is not right, no price is specified by TransUnion and they are just going to charge us? For example, it could be like XXXX XXXX telling me to put in my card info and then automatically sign me up for 1 year of apple music worth {$50.00} per month without me knowing. TransUnion needs to specify what price or what the service amount is before charging us. I already emailed them and contacted my bank. This is not fair to consumers.
Product: Mortgage

We have been fighting with Citi Mortgage for over 7 years for a possible loan modification with no positive resolution. Citi Mortgage has denied me for a loan modification 12 times using an incorrect property value and rate of interest. Currently my home in a foreclosure with a foreclosure sale date scheduled for XX/XX/XXXX. Although we have re-submitted the request for the loan modification on XX/XX/XXXX. Based on an email from Citi Mortgage the single point of contact XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, indicated that " the file is with an Underwriter and at this moment no additional documents are needed. At this point in time, a decision has not been reached ''. 

Regretfully ; Citi Mortgage the Debt Collector, Servicer is ignoring the California State Law! The Homeowner Bill of Right 's dual-tracking provision Effective XX/XX/XXXX : Under the Homeowner Bill of Rights, if you submit a complete application for a foreclosure prevention alternative, the servicer/debt collector can't conduct a trustee 's foreclosure sale before it makes a decision to grant or deny the application. As per the California State Law, the servicer/ debt collector is required to state the specific reasons for the denial, and include a statement that " the borrower may obtain additional documentation supporting the denial decision by making a written request to the mortgage servicer ''
Product: Credit reporting

I am filing another complaint on the following unauthorized and fraudulent accounts that 's listed on my Equifax credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, MN Child Support Enforcement and XXXX XXXX. The following credit inquiries are unauthorized and fraudulent as well : 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. I am a victim of identity theft.
Product: Checking or savings account

I recently opened a savings account with Marcus by Goldman Sachs. The very day I transferred funds into the account Marcus LOWERED the interest rate without warning. I called to close the account and was told the funds were on hold and to call back on XX/XX/XXXX. I called on XX/XX/XXXX and was told to call back on XX/XX/XXXX. This bank is working a SCAM! I want my funds transferred back to the accounts from which they were taken.
Product: Credit reporting

I sent several letters with exact information and mailed certified mail so I know they were received by transunion. After I sent the dispute including incorrect information I received one response with an automated " verified ''. I have sent XXXX additional requests for reinvestigation ( certified mail ) and have received no more information or responses. I believe my rights are being violated and completely ignored. This is a source of great distress. Transunion needs to delete XXXX XXXX XXXX XXXX XXXX XXXX I disputed the incorrect items and waited the regulated time 3 times over and then some. Transunion needs to delete these items permanently right away.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX To Whom It XXXX Concern, Subject : Inaccurate Credit Reporting Request for Immediate Deletion ( 15 USC 1681s-2 ) I am writing to formally notify you of an ongoing issue regarding inaccurate information reported by your company to the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ). As a furnisher of credit information, it is your legal responsibility to ensure the accuracy and integrity of the data provided. 
The specific account in question is as follows : Account Name : [ XXXX ] Account Number : [ XXXX Current Reported Balance : [ {$1700.00} ] It is my understanding that this debt was charged off by your company, and I have reason to believe that a Form XXXX was issued, which memorializes the cancellation of this debt. According to IRS guidelines, a debt cancellation through a Form XXXX should no longer reflect as a balance on my consumer credit report. The continued reporting of this balance is therefore inaccurate and misleading. 
This inaccuracy constitutes a clear violation of the FCRA, as you are required to report only truthful and accurate information. With full knowledge of this error, you are obligated to correct it immediately. 
To rectify this matter, I request that you provide me with the following : XXXX. A return of the time and form prescribed by regulation or the Secretary, including : o My name o My address o My Tax Identification Number ( TIN ) o The date and amount of the discharged/charged-off debt o Any other relevant information as required by the Secretary If you are unable to provide the requested documentation and proof, I demand that this account be removed from my credit report in its entirety. Failure to comply with this request may result in legal action, as I will not hesitate to engage retained counsel to protect my rights under the FCRA. 
Please respond promptly and confirm the actions taken to correct this issue. All correspondence related to this matter should be sent to the address listed above. 
Thank you for your immediate attention to this matter. I look forward to your prompt and favorable resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX. KIRSCHBAUM, NANNEY, KEENAN, & GRIFFIN, P.A judgment was filed on XX/XX/XXXX. As such, the to file an action to " renew '' the judgment under normal circumstances would have expired on XX/XX/XXXX. The judgment was later filed again on XX/XX/XXXX. Filing a time-barred action is, potentially, a violation of the federal Fair Debt Collections Practices Act ( FDCPA ) and/or our state debt collection statute. Any action to renew a judgment must be filed before the original judgment has expired. Since a judgment in North Carolina is good for 10 years, any renewal must be filed within 10 years. A " 10-year judgment expired '' means that a legal judgment, which is a court order stating someone owes money to another party, is no longer enforceable because 10 years have passed since it was issued and the creditor has not taken steps to renew it within that timeframe essentially, the court can no longer force the debtor to pay the debt due to the time limit expiration
Product: Debt collection

I've repeatedly asked this company to stop harassing me via email and phone. 

Since XXXX they've sent over XXXX emails and call and/or text my phone almost daily. This debt is not mine and I still have not received any proof that was requested.
Product: Checking or savings account

I have a Citizen 's Bank Account in XXXX, PA. I was alerted to an " overdraft '' in my checking account this morning ( XX/XX/XXXX ). I logged into my account and realized that there was both a credit card and a ( second ) checking account opened under my current account, both of which I did not authorize. When I called Citizen 's Bank ( spoke with XXXX ) and was told that this opening had occurred with an " in person '' transaction in the Citizen 's Bank in XXXX XXXX, NY ( XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX is the branch manager XXXX ) on XX/XX/XXXX at XXXX pm in the branch. I called the branch office, the XXXX police to file a complaint, Citizen 's Bank, who have subsequently closed my accounts, and filed a fraud complaint with the,. Of concern was that they had an ID with my information on it, and, apparently, my social security number to open a credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXXXXXX XXXX improperly abusing my credit status. Shows late payment from 7 years ago in red right when report pops up incorrect over 7 years ago one parent missed I can not get credit apts nothing my score should be higher and not being addressed I called loan company 's I am not late.
Product: Mortgage

Loan was {$450000.00} amount on 30 year fixed conventional loan. Interest rate is 2.99 %. The total amount of interest paid on the loan should be {$13000.00}. The bank New Rez could either front load the interest of the loan and get it in the first year or get it over 30 years. I went into my account to see how far down my principal should be and the bank has been charging me {$1000.00} a month. If I continue to pay a similar amount per month my total interest would be {$400000.00} for the life of the loan. That is 89.7 % interest on a 2.99 % fixed loan over 30 years fixed with no additional fees.
Product: Credit reporting or other personal consumer reports

My aka name, current previous address, cell number, employment history, account ( XXXX XXXX XXXX XXXX XXXX XXXX - not mine ) mixed with someone.
Product: Credit card or prepaid card

On XX/XX/2021 I received an email from a 3rd party application saying : Someone has checked your credit report. 

A new inquiry from AMERICAN EXPRESS has shown up on your XXXX credit report. Lenders, employers, or landlords will often check your credit before they approve an application youve made. 

I have NO knowledge of this account and I DO NOT approved this, since Im working to improve my credit score and get a higher score and this made my score went down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX, Experian, and XXXX credit bureau. They failed to investigate my dispute. They did not tell me how they verified this information listed on my credit file. I sent a letter to the bankruptcy court regarding this public record and bankruptcy sent me a letter stating that they dont share personal information regarding bankruptcies with 3rd party organizations or credit bureaus. XXXX has told me they verified this public record but they did not tell me how they did this. I asked for a validation and they did could not provide me with any information. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that credit bureau disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that credit bureaus is reporting in my credit report. I asked them to send me copies of the documents that they have on files that were used to verify them. Then I requested that if they do not have any documentation in their files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.
Product: Debt collection

XX/XX/2021 account # XXXX. At XXXX XXXX I called Capitol One to pay off a debt. I was previously given a settlement amount of {$1100.00}. I spoke with Rep. XXXX XXXX and he went over the payment authorization of {$1100.00}. XXXX informed me that I would be prompted by an automated system to enter the last 4 digits of my SSN and he would return to the call to finish processing the payment. The phone call disconnected immediately before I could enter my social. I checked my bank account and it had a withdraw of {$2000.00} from Capitol One. I contacted Capitol One promptly to correct the mistake. Rep. XXXX XXXX stated she documented the call and it will take 14 days to refund the payment. I requested proof of documentation regarding this matter to be sent to my email and I have yet to receive anything.
Product: Debt collection

XXXX XXXX XXXX, XXXX, XXXX cfpb complaint has been file to request pursuant to FCRA 605b ( 15 u.s.c 1681c-2 ) that you XXXX reporting agency block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this complaint. this fraudulent, inaccurate information, consists of an auto loan from Chrysler Capital opened on XX/XX/XXXX and account number ( XXXX ), A utility account from bullcity financial opened XX/XX/XXXX acct number XXXX, A mobile phone account from XXXX XXXX XXXX opened on XX/XX/XXXX acct number XXXX do not recognize the aforementioned accounts or collection accounts. That is reported by XXXX, XXXX and XXXX was not made, initiated or opened by me. The aforementioned accounts are a result of identity theft and fraud.
Product: Debt collection

There are multiple violations of the FACT, FDCPA, and NFDCS. Has not validated despite multiple requests other than stating that Defendant owes the debt. Refuses to provide any information on account or any type of indication that Defendant opened the account or show any evidence that the account is his. Did not notify Defendant of their right to dispute lawsuit. Did not give a " 30 day '' notice to dispute. Harassment and abuse of constant phone call and mailings despite request for validation and dispute of debt. Threatening that not settling the debt can result in " tax consequences '' and threatening to take money they are not entitled to take. Misleading and false representations ; legal documents are sent in plain envelopes or boxes written in sharpie marker. Legal docs have no dates, no dept # and are not stamped " FILED '' or have clerk names or any identifying stamp on them from the court. This makes docs look " less important '' and " fake ''. Also sending collection notices on legal type paper that resembles a legal document. Envelopes also do not indicate the law firm or from a lawyer. This is an attempt to deceive the Defendant into thinking they are not legal documents and thus, not respond to win a quick judgment. Initial court summons was not served properly. It was left with a child of 13 years of age at the residence. When the door was answered, the server threw the papers in the door onto the floor and walked off without saying anything. Further demands and threatening behavior. 
This law office is known for these tactics and has multiple offense and rulings against them. They are a collection agency, but pretend they are not. 
Please see case # XXXX in ( Nevada ) XXXX Justice Court.
Product: Debt collection

On XX/XX/2023 I received a credit notification that a collection had been placed on my account by XXXX XXXX XXXX Credit Management , INXXXX for a debt owed. 

The debt in question was unauthorized and done so in a fraudulent manner without my knowledge or consent. 

I had a similar issue occur a few months back with XXXX XXXX and filed a police report regarding the identity theft and fraudulent charges. 

I am not legally responsible for this debt and request it be removed from my credit report immediately. 

I have filed disputes with XXXX XXXX, and XXXX. I will also be filing formal CFPB complaints against XXXX and Credit Management , INC.
Product: Debt collection

This debt reported by Credit Protection Association is not a valid debt. I submitted a letter to their company on XXXX XXXX, 2015 requesting that I be sent several specific documents that prove I owe this debt. Credit Protection Association did not respond to my request. I have attached a copy of the letter. 

In addition, this debt is over 7 years old and can no longer be reported to the credit bureaus according to the Fair Credit Reporting Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

DEPTEDXXXX XXXX {$3200.00} XXXX XXXX XXXX {$2600.00} XXXX  XXXX XXXX {$250.00} XXXX XXXX XXXX {$830.00} XXXX XXXX  XXXX {$360.00} XXXX XXXX  XXXX {$350.00} XXXX  XXXX {$17000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Debt collection

I had the XXXX XXXX company like 4 years ago I left after the 2 years end I paid that company in full they probably made a mistake and now they are coming with that ridiculous amount of money for a phone bill that was XXXX a month to start besides that its being more than 2-4 years about that and now they hired a company called Jefferson to collect and they already send it to my credit report and has been damage because of this I have plans to buy a house and now I have a negative inquire on my credit report this situation its bringing my life and plans down please help me to eliminate this people to ruined my life thanks