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

I was in a natural disaster, forbearance with rocket mortgage due to losing my home in hurricane and XX/XX/XXXX. I checked in every month like I was supposed to, and cooperated fully with the forbearance. In XX/XX/XXXX I did my check in and told I was approved through XX/XX/XXXX for the forbearance. I have a document to prove this. in XXXX, I was called and told it was a mistake that my forbearance was not supposed to go past XX/XX/XXXX. I was told that I could do a loan modification and that my first payment would not be due until XXXX so it would be similar in that. I would not have to pay anything for XXXX or XXXX as if I was still in the forbearance. I signed the loan modification paperwork and rocket mortgage, then reported to my credit that I was over 180 days past due. My credit score tanked. I tried to resolve this with rocket mortgage but they state their investor is unwilling to fix my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and 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 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there several inaccuracies showing on my report? 

CITI BANK is in violation of U.C.C 1-308.4, HJR 192, 12 U.S.C 411 , U.C.C 3-603 , and U.C.C 3-311. 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Product: Debt or credit management

I paid this company XXXX XXXX XXXX and his former partner XXXX XXXX XXXX to repair my credit on XXXX of this year ( 2021 ) until now XXXX XXXX XXXX have been convicted and banned by Federal Trade Commission for his bogus credit repair practices. I purchased {$1500.00} XXXX XXXX product and paid XXXX XXXX XXXX as well {$200.00} for two First Progress credit green colored cards that never gave me XXXX percent cash back, paying annual fees, their interest rate is expensive, and their repayment options are iffy using a third that charges a fee to sent it instantly.
Product: Debt collection

XX/XX/XXXX, I spoke with a fraud specialist from Experian, I explained my case that I was a victim of identity theft, who fraudulently opened accounts in my name at XXXX and other accounts. I mentioned that I contacted the XXXX XXXX and was told XXXX that the account in question was fully in good standing. That call was in XX/XX/XXXX but I mentioned that I was the account holder and it was never applied. with them and I did not have a XXXX XXXX, they simply transferred me to another XXXX department and after waiting more than XXXX minutes XXXX cut me off/ the Experian representative mentioned that they had already done their job and filed a complaint against XXXX and told them the account was mine and I couldn't remove it from my Experian credit report, that's when I told them that whoever helped me had sent them the copy of the identity theft police report the copy of the CFPB XXXX XXXX / XX/XX/XXXX the Experian company does not want to help me by opening another investigation either and I sent them the required documentation such as the police report. My problem started when I bought a house located at XXXX XXXX XXXX, XXXX, CA XXXX. I never lived at this address, as soon as I bought it I put it up for rent starting XX/XX/XXXX. I don't know when someone used my name to open an account credit card accounts, loans in almost all banks but I never ever went in person or online signed anything please I ask you that this has to stop these criminals used my identity it all started when I bought the house in the city of riverside I bought that house only as an investment I have never lived there
Product: Credit card or prepaid card

Macys department store has not come clean. I have two accounts and no credit cards! Its been some years maybe 8 since I had and used the XXXX XXXX/Macys card. They contacted me and stated they were no longer using XXXX XXXX-backed macys cards but would send a replacement. XXXX have used it once or twice. But since misplaced and called and received a new card. Now when I happen to be in the city I use my ID for the XXXX purchases. This year I have had a balance each month I pay off in full. I try to use the automated teller but I am unsuccessful each and every time because the robotic voice transfers me to a person to pay and I am charged a {$5.00} fee. I want to fight any fees charged because I put in my social security number and I get nowhere. They say I have no account number or the wrong account number. I received a notice for another account about changing the policy on late fees. I am unable to get clarity on my account or any accounts associated with MY social security number. The calls are routed to another part of the world outside the XXXX XXXX where I cant get satisfaction of oversight or assurance,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by Equifax..I requested for an investigation because the account XXXX   XXXX has nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I see this has been charging fees which I never authorized and this was originally paid to the creditors including dates of last activity, dates opened, dates reported, and payment status. ENHANCED RECOVERY claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Product: Debt collection

I have recieved a letter from a debt collector, and I responded with a debt validation letter. My requests for informatioin on that letter were ignored. The company continues to attempt collections with out verifying the debt to my satisfaction. I have attached the letter I responded to their initial contact with me informing me of an alleged debt. 

In the response I got from this collector, they did not proved documentation proving this debt is mine. ie. contract between me and the alleged creditor ; nor a signature that would show me entering into an agreement or plan. 


They did not indicate if they are licensed in the State of Florida
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Student Loan Company Refusing to report it as student loan being closed. Either XXXX payment or {$5000.00} payment I only owe for student loan I borrow to help me finish my career in XXXX. Which I was unsuccessful complete it with XXXX degree. XXXX XXXX College and XXXX College. {$2500.00} each by both Colleges. My mom didn't have the funds to put me through college. Also had my kids depending on me to support them through school. I feel that I am being discriminated against because of my XXXX, age, and sex. My dad was there financially to support me through high school and college. But I was there for my kids financially to support them through schools. That difference between XXXX  men my age. By preventing from being equal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

US DEPT ED XXXX {$2300.00} US DEPT ED XXXX {$1700.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXXXXXX {$2000.00}
Product: Vehicle loan or lease

In XX/XX/2021 I paid an order fee of {$250.00} to reserve a XXXX XXXX XXXX and was given a reservation number : XXXX. A year later has passed and I finally got a notification that it was time to secure financing and take possession of my new XXXX. Well unfortunately due to credit issues I was unable to secure an auto loan and I tried with several financial institutions which probably made my credit worse with all the inquiries. I was informed by Tesla Representatives that if I didnt secure financing in a timely manner that they would cancel my Reservation number that I paid for. I just couldnt get anyone to do the financing so Tesla cancelled my reservation number with no hesitation. I have reached out to XXXX for them to please give me consideration and reinstate my reservation number to which they refused. I asked them What is the incentive for XXXX to come back to XXXX to buy a car if they are loosing money with you like this? This is not a good experience non-whatsoever. I got a very generic response which was : I understand. And apologize for your experience. Unfortunately, the only way to move forward is to re-order at the current price point.
Product: Student loan

My student loans were acquired threw XXXX which we no is now Navient. When i graduated from college in 2012 i had trouble finding steady work for years, i tried to keep up with my loan payments but i could not for financial reasons. Navient would always push me to a forbearance or deferment, so now these loans are costing me more than they ever should have. I am currently up do date with my loans, however i do not feel i was treated fairly i was getting charged interest while on deferment and i did not no this. Im not sure what exactly i can do so I am asking for help.
Product: Mortgage

This complaint is related to Case number : XXXX. I would like the Loan Service Provider to evaluate my Loss Mitigation Application based on the updated 6 monthly Profit and Loss Statement. Details below. 

Dear CFPB : RE : Correct 6 month Profit and Loss Statement and Request for Incorporation of Correct Income in Evaluation of Loan Modification of Loan # XXXX ; Based on the response and the updated six monthly accounts submitted by my business accountant, I want to submit to RCS the correct updated half year 2015 Profit and Loss Statement for my business. 
The Loan Service Provider XXXX RCS XXXX decision dated XXXX/XXXX/2015 is attached. I would like to appeal RCS ' decision based on the updated half yearly 2015 Profit and Loss Statement attached. This appeal is being made within the stipulated 30 day period from RCS ' initial decision as required. 
I have sent the Updated Information and Appeal documents to RCS XXXX attached here in as PDF ) via registered mail and fax following RCS ' decision to reject my Loan Mitigation Application based solely on a preliminary and outdated Profit and Loss income amount. 
Please ensure RCS updates this information and is notified through your office that I have appealed their decision and asked them to update this information and requests them to make a decision based on the updated information. 
Thank you for your help. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Sometime in XX/XX/year>, I received a notice that someone tried to get a credit card from XXXX XXXX XXXX. I called the number on the notice and told the bank that it was not me, they told me that would take care of it including removing the inquiry from my credit report. As of today,XX/XX/XXXX, the inquiry still shows on my Transunion report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter to Experian about an account on my credit report. They replied stating that it was verified, and I have no clue how. they are to delete this account immediately.
Product: Checking or savings account

On XX/XX/2022 I was alerted to a {$6000.00} withdrawal made from a savings account I did not recognize ending in " XXXX ''. Upon logging into my Chase Bank app, I discovered a second savings account that was linked to my legitimate checking and savings account. 

Someone transferred {$9100.00} from my savings account into the one ending in " XXXX '', and then withdrew {$6000.00} using an electronic check ( E-Teller ). They also withdrew {$740.00} from an ATM at XXXX XXXX XXXX, XXXX New York. I live and work in XXXX, Ohio. 

Upon calling Chase, they initiated a claim for XXXX when I specifically stated that XXXX was withdrawn, followed by a XXXX withdrawal. They denied my claim at XXXX XXXX on Sunday, XX/XX/2022 by sending a robo-response letter. 

When I called on Monday, they stated that no one attached the XXXX withdrawal to my ID theft claim. I have done everything they have asked me to do, and I continue to get the run-around from representatives. My next course of action if this XXXX and XXXX amount is not promptly returned to me will be to contact my attorney. 

The fact that Chase allowed someone to put me as a secondary user on a savings account without my knowledge, allow that person to transfer most of my savings without my knowledge, and then withdraw those funds without my knowledge is completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an XXXX credit card acct # XXXX with a balance of {$410.00} was sold to L.H.R on XX/XX/2012.I had attempted L.H.R on several occasions. No response. I have written them .letters returned to the sender.phone numbers didn't work.IXXXX XXXXXXXX XXXX had complaints on them. I have disputed this item 's with the three major credit reporting agencies. THEY'RE investigation was not to my satisfaction. No successful outcome. I would like to have it deleted.Im rebuilding my credit.
Product: Vehicle loan or lease

On Monday XX/XX/2018 My wife and I called into the company to ask if we had any pending or scheduled payments that were going to be coming out. The lady on the phone told us no and that nothing will be taken out. 

On Wednesday XX/XX/XXXX {$240.00} came out and made our account negative. We never authorized that payment and if there was a scheduled payment which nothing showed online or in the app that we had one then nothing should have been taken out. When we called the Monday before we were going to cancel any pending payment so when they told us no that there were no pending payments is where i have a problem. We called that same day ( Wednesday ) and the guy on the phone told us it would be 24-48 hours and gave us a confirmation number of XXXX. 

So on Friday, XX/XX/XXXX the money was still not back into our account. We called and spoke to another guy. He said he doesn't know why it was never refunded and said that he would like to expedite the process and asked me to send and email with a voided check. i did that and asked when this would would be back into my account and he said 24-48 hours. 

So on XX/XX/2018 the money still wasn't into our account. We called and spoke to the " supervisor '' and she said it will take 24-48 hours and i asked about the overdraft fees she asked us to send in proof which we did and she advised that she will send it over to the accounting department so we can get our refund. 

So on XX/XX/2018 we still haven't gotten our money. We called and asked where it was at and they said that since we were set up on recurring that it was going to be mailed to us. Told them that everyone else we have spoken to has told us that it will be going into our bank account not getting mailed and that we want our money back now. 

So today XX/XX/2018 we still haven't received anything. We called again and told them that we are done with them and just want our money back. Guy on the phone said the check was supposedly mailed out on XX/XX/XXXX but only for the payment amount not for the overdraft fees as well. We sent in more documentation for that and he said he will expedite it. 

I just want our money back. I have never had a place like this give us a run around and cause us so much harm in our financial life. Normally when they give the days it will be refunded it normally is refunded. I have gone days without eating or money for gas because we haven't had money because they lied to us so many times. it should have never taken this long.
Product: Debt collection

account number : XXXX account balance : {$7900.00} To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to 15 U.S.C. 1692g, I request that you provide the following information to validate this debt : XXXX. The name and address of the original creditor. 

XXXX. A copy of the signed agreement or contract that allegedly obligates me to pay this debt. 

XXXX. A complete account history, including all charges, payments, and credits applied to the alleged debt. 

XXXX. Documentation showing that you have the legal right to collect on this debt. 

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ). Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law. 

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX.
Product: Mortgage

My husband died in XXXX 2013 and I have been trying since XXXX 2013 to get a loan modification. I am a senior citizen and have provided SPS with the requested documents so many times I have lost count. I have never been able to talk to XXXX XXXX the relationship person assigned to me. Every time I call with is once a week he is never available, thus, each time I speak to a different person and get a different explanation as to why my loan modification has not been completed. XXXX reason given I is that my picture on the license I faxed in is too dark, which I find very offensive and do n't know how to fix. Another reason I have been given is that they could not find my son 's name on the check stubs faxed in. Which again I do n't understand because the previous person said they see the name. Every time I call which is once per week, I talk to another person and get another reason. It has been almost two ( 2 ) years and still no loan modification. I am falling deeper and deeper into debt and fear losing my home which is putting me under a lot of stress. I want the mortgage company to modify my loan. I want a fixed rate with a reasonable monthly payment and I do n't want my principle balance doubling because delinquent interest has been capitalized into my XXXX. I want to be able to talk to the same person every time I call who understands my file and my situation and who is committed to helping me. I want to stop getting the run-around from the loan servicer SPS.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Debt collection

hello we never received anything from this company and know they are reporting me for {$120.00} i have insurance and do not owe this this is not my first problem with this company
Product: Debt collection

I have an account from a debt collector named XXXX XXXX XXXX that is reporting a collection for {$1600.00} on my personal credit reports with XXXX, XXXX  and XXXX. This debt is not valid and per a dispute with the original creditor, the account was supposed to be recalled from the collection agency as of XX/XX/2019. As of XX/XX/2019 this information is still listed on my credit reports and came back as verified when I opened an investigation with the credit reporting bureaus. See attached for documentation from the original creditor that this debt is settled and should have been removed from my credit reports.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently respond within 24-hour stating the account is accurate, without providing the any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumers Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure equal facts complies with federal laws and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX denied an increase in my credit limit due to information provided my Equifax credit services that was inaccurate.