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

I had opened my first credit card with XXXX XXXX When opening the card, the employee at the bank incorrectly entered my social security number. I had noticed this and had submitted a request to update my SSN on all 3 credit bureaus in XXXX of XXXX. After sending all of the documentation. Equifax never notified me the result of the investigation. 

I had recently applied for a loan and was told that my credit report is still showing the incorrect social security number with Equifax. I then contacted Equifax again in early XX/XX/XXXX and spoke with an agent XXXX. XXXX assured me that they can use my previous documentation to update my social security number and it would take a few days to process. 

I called back 2 days later and was informed that nothing was done again. I was informed to resubmit the required documents online to get the social security number updated. I submitted the case for a 3rd time for review online on XX/XX/XXXX. I received a response from Equifax XX/XX/XXXX stating that the social security number is correctly showing on my profile now. During this same time, I had also sent out a physical letter to the XXXX XXXX provided by the customer service agent, and they had received the documents XX/XX/XXXX. 

When I called to verify that my social security number had been updated, I was again told that nothing has been done, and I need to submit my documents for verification all over again. When I had informed the agent that I have submitted the case online AND sent a physical letter, I was trying to get an answer why the report of the investigation stated that my SSN was updated, but that was not the cases. They were not able to answer the question and hung up on me.

I have tried on 4 separate occasions to update my SSN with Equifax with no luck. At this point, I am risking losing my loan, and will most likely have to reach out to a lawyer to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the XXXX XXXX continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Product: Checking or savings account

I signed up for a checking account with a signup bonus / promotion. I met the terms of the promotion, but did not receive the bonus. I called on three separate occasions ( spaced weeks apart ) to check on the status of the bonus. During the first 2 calls, the rep suggested they would file some report asking for more info on why the bonus wasn't applied, but they never followed up and I still haven't received the advertised bonus.
Product: Mortgage

XXXX XXXX : XXXX XXXX LOAN ( XXXX ) ~SLS LOAN ( XXXX ) RE : FRAUDULENT XXXX XXXX/XXXX XXXX/SPECIALIZED LOAN SERVICING INVESTORS HOME RETENTION GUIDELINES I contracted a 30 year mortgage loan of {$540000.00} with XXXX XXXX in XXXX guaranteed by the United States Government agency , Fannie Mae/XXXX XXXX to purchase a house in New XXXX , NY XXXX. 
In XXXX, XXXX XXXX secretly sold my mortgage to a private Investors, XXXX without informing me ; until XXXX when I came to find out from Court Documents from XXXX XXXX. 
I protested then, and was informed by XXXX XXXX that it would not affect me adversely and was the usual practice in the industry. XXXX XXXX elected to keep the role of Loan Servicer, after selling my loan to XXXX Investors. 
The borrower discovered recently that XXXX XXXX unilaterally sold my loan to XXXX Investors so as to remove the US Government agency, FANNIE MAE/XXXX XXXX guarantee that protect me against hostile predatory practices, without informing the borrower, and benefit from the CARES ACT and other provisions to alleviate the sufferings of Americans due to the Pandemic. 
The borrower would have elected to refinance the loan from another lender with the cover of the US government guarantee through Fannie MaeXXXX XXXX and benefit from the CARES Act ( para. 7 of Exhibit ) In XX/XX/XXXX, XXXX XXXX transferred the loan servicing, to Specialized Loan Servicing ( SLS ). XXXX XXXX also transferred my application for loan modification to SLS. 
SLS approved a strange retention program, which added a new balloon loan of {$380000.00} to the existing mortgage ( bringing the total loan to {>= $1,000,000} compared to the original loan of {$540000.00} ; and recall {$520000.00} had already been paid by the borrower towards the repayment of the mortgage ) as a condition for signing and extending the loan repayment from 30 years to 40 years. 
The borrower could not sign the so called approved retention program ; without the removal of the additional loan of {$380000.00}. 
In view of this anomaly, the borrower raised a petition to CFPB in XXXX, XXXX. 
In the response to CFPB dated XXXX XXXX, XXXX ( see Exhibit attached ), paragraph 7, SLS stated that : 1 ) The Cares Act and other applicable United States Acts to protect consumers are not applicable to this loan, because it is no longer owned or guaranteed by a government entity- Fannie Mae/XXXX XXXX . It is now governed by the Investors Guidelines-XXXX XXXX  XXXX, XXXX XXXX, as Trustee  for XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX. 

XXXX XXXX The XXXX Investors guidelines have their tailor made modification that does not consider income or expenses in the review process unknown to the borrower. Meanwhile the borrower was made to submit their documentation on income and expenses in the loan modification application.
Product: Debt collection

This company calls multiple times per day from many different phone numbers, using illegal call spoofing tactics and robotic dialers.
Product: Money transfer, virtual currency, or money service

I was charged over {$900.00} for multiple fees that I believe were made up by the company as every account I transferred money from had money in them at the time of transfer and I was charged for the same transaction of a {$300.00} transfer which was a mistake by me and/or the application being used. I should not have been charged over {$900.00} in fees! Please help me get my money back. SoFi demanded for me to pay over {$900.00} and it was taken out of accounts that did not have the funds by them! I was told that they took it out when the initial account used for the transfer was empty. Now my XXXX account is negative over {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act the list of inquiries have violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy.15 U.S.C 1681 section 2 604 A states a consumer reporting agency can not furnish a account with out written consent Inquires, also code 15 USC 6802 ( B ) has been violated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX Last 4 of SSN : XXXX Phone Number : XXXX Email : XXXX Equifax Dispute Department Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Negative Accounts Due to Data Breach reporting identity theft to the FTC. 

Your reference number is : XXXX Dear Sir or Madam, I am writing to formally request the removal of all negative items from my credit report that have resulted from the Equifax data breach. As you are aware, the breach in XXXX compromised the sensitive personal and financial information of millions of consumers, including mine. 

Due to the breach, I believe that certain negative accounts or inaccurate information appearing on my credit report could be a direct result of fraudulent activity stemming from the breach. I kindly request that you investigate and remove the following negative items from my credit file, as I had no involvement in these accounts or activities : Remove unauthorized hard Accounts : Account Name : XXXX XXXX, Account Number : XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX  ( CLOSED ), Account Number : XXXX XXXX Account Name : XXXX ( CLOSED ), Account Number : XXXX XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX XXXX Account Name : XXXXXXXX XXXX XXXX ( CLOSED ), Account Number : XXXX XXXX Account Name : XXXXXXXX XXXX, Account Number : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX ( CLOSED ), Account Number : XXXX XXXX Account Name : XXXX XXXX ( CLOSED ), Account Number : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX ( CLOSED ), Account Number : XXXX XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX XXXX Remove unauthorized hard inquiry : XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Attached to this letter are the following documents to support my request : A copy of my credit report with the disputed accounts highlighted. 
Proof of my identity ( e.g., government-issued ID and proof of address ). 
Any additional supporting documentation, such as police reports or FTC Identity Theft Reports.

I urge Equifax to investigate this matter thoroughly and remove all fraudulent and inaccurate accounts associated with my credit file. Please provide me with a written response detailing the outcome of your investigation within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). 

If you require any additional information or documentation, do not hesitate to contact me directly at [ XXXX ] or [ XXXX ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX,XXXXXXXX I contacted Coast Professionals about my student loans that are currently in collections. I spoke with XXXX XXXX and explained that I plan to file bankruptcy XX/XX/2018 however, my student loans would not be included. I asked what my options were at this time to which we discussed loan rehabilitation. I questioned if I needed to wait until after my bankruptcy but I was told it would be best to start the process now. So I paid {$5.00} to get started and called back at XXXXXXXX and spoke with XXXX to fill out the forms and fax them over with my financial information. I was told I also would need to call in today, XX/XX/2018, to make another payment by doing so I would be 2 months already into the program. I called today, XX/XX/2018 at XXXXXXXX and spoke with a woman to make the {$5.00} payment. After I made the payment and asked questions about the status of consolidated loans and individual loans, the woman explained to me that when I fail bankruptcy all the collection activity would stop. I asked her I I had to instead call in to make a payment and she told me that I could not do that while in bankruptcy which would mean I would fail the loan rehabilitation program and would not be able to reapply. I explained to her that I explained my intentions and bankruptcy XX/XX/2018 so why would they tell me it was best to do everything knowing I would fail. Very misleading and dishonest behavior when someone is attempting to fix their financial situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Neither of the 3 Agencies websites, or phone options are available to the consumer for freezing a credit file. 

A notification should be sent to all of the individuals compromised. 

The entity that failed to protect the confidential information needs to be held responsible for damages, and in initiating the freeze with the other agencies.
Product: Debt collection

XXXX XXXX XXXX have failed to validate debts that they have reported to the three major credit bureaus. Yet they have not removed this erroneous, unvalidated debts from my Credit reports. Because of this, there has been highly negative impact to my personal credit report. 

On the XXXX of XXXX I contacted XXXX XXXX through certified mail requesting the following to information in an attempt to validate collection accounts What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : To date this is my second correspondence with PRA and they have yet to respond with anything substantial that validates the debt and allows them to keep reporting erroneous information Accounts reported XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

the message is from XXXX XXXX from Transworld services and is contacting me over a debt. They said to call XXXX XXXX XXXX did not have any written statements of debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian are breaking the law per 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR XXXX, XXXX OR EXPERIAN TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! Ive sent certified mails to each consumer reporting agency in which I was ignored and its been well over 30 days! 

Experian - XXXX XXXX XXXX XXXX XXXX XXXX certified mail tracking number Received : XX/XX/2022 XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX certified mail tracking number Received : XX/XX/2022, XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX certified mail tracking number Received : XX/XX/2022, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XX/XX/2024 Bank of America Dear XXXX , lam writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency.

List Incorrect Names & Addresses List Erroneous/Inaccurate/Fraudulent Account Names Account Numbers This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq.

The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1.

15 USC 1681e ( b ) - Accuracy of information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.

2.

15 USC 16811 - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report.

I request a thorough investigation into these inaccuracies.

3. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed.

I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report.

Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 
Sincerely, XXXX ( PRINT Your Name )
Product: Mortgage

I modified my Mortgage in XX/XX/2019 and there is a clause of principal reduction has never happened I have attached a Time line, a set of documents about the modification and three pages of the Pricipal reduction agreement Please help me resolve this or giude me how to proceed.
Product: Credit card or prepaid card

I purchased an item from a merchant but they were not responding to my multiple requests to return the item. Finally they sent me the return label and I returned the item but Citi Bank is refusing to credit my account for the returned item. See attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several complaints, Bank of America continues to report my closed credit card account with them as previously delinquent and currently 90 days delinquent. This account has been closed and paid satisfactorily. Bank of America and the credit reporting agencies have refused to correct the account upon complaint. My credit score has dropped as a result.
Product: Debt collection

There was no Good faith efforts to establish live contact with a borrower generally consist of reasonable steps, under the circumstances, to reach a borrower. 
There were numerous Servicers/Debt Collectors, starting with XXXX XXXX XXXX XXXXXXXX XXXX , CitiFinancial, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and without any written notice, now XXXX XXXX XXXX 
The truth is the 6-year statue to file a foreclosure in New York State , had legally expired. Only the Judge in this case granted the Plaintiff 3-extensions altogether to file this expired foreclosure. 

The extraordinary financial costs added additional filing fees 3-times, additional lawyer fees, additional interest fees, and additional lates charges, which all of these additional foreclosure costs, were unfairly accumulated at the expense of me, the homeowner. 
The Judge without my knowledge, at the request of Servicers, the Judge appointed/installed a Guardian Litam, who accepted Service, and then a foreclosure judgement was entered by default. The Guardian Ad Litam was inappropriate, and unauthorized, and to the complete benefit of the Plaintiff, which tilted everything in the favor of the Debt Collector/Attorney 's. 

The results of the Judge inserting the Law Guardian was epic, inappropriate with negative consequences to the homeowner ( s ) and it was legally improper! I am not impaired, incapacitated, or in the military. This appointment was improper
Product: Credit card or prepaid card

Closed Fidelity card due to multiple fraud incidents. After closing, a merchant refunded {$1000.00} to the card, for which I asked Fidelity to refund via check in early XXXX. This check was never sent. 

Later, I disputed another part of this transaction with the merchant for ~ {$3500.00}. Fidelity disputed the full amount. After resolving the issue with the merchant, I asked fidelity to cancel the dispute which they have yet to do. This now shows a balance on my account. Despite multiple calls and hours on the phone, fidelity has not been able to send a check for the {$1000.00} credited to the account. 

During multiple calls, it is clear that their internal systems are not showing full details and they are unable to piece together the full sequence of events.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Unverified Accounts Dear Credit Reporting Department, I am writing to formally request the removal of these accounts from my credit report as reported by XXXX, XXXX and Transunion. This request is based on the recent deletion of accounts by XXXX, one of the four major reporting agencies. I recently disputed these accounts listed on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Following a thorough investigation, XXXX has completely removed these unverifiable accounts from my report as of XX/XX/year>. 
According to the Fair Credit Reporting ( FCRA ) ( 15 USC 1681 ) all consumer reporting agencies must ensure that information in consumer reports is accurate, fair and verifiable. Since XXXX has removed these accounts after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 USC 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumers credit file. I am exercising my right to ensure that my credit report remains fair, accurate and free of unverifiable information. Since XXXX has deemed these accounts unverifiable and have removed them, you must take similar action Additionally, under FCRA Section 623 ( 15 USC 1681s-2 ) Information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 USC 1681n ) which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 USC 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit reports integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to rent an apartment today XX/XX/21 and sadly I was not approved because my credit report came back with several accounts in bad standing. I looked through my report and many of those accounts are not mine. Theres accounts from many different companies that I am not associated with in any way ; I never allowed anyone to open any of those accounts on my behalf nor did I benefit anything ( money, goods, services ) as a result of those accounts being opened in my name. I have took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau in hopes of getting this resolved and clearing my name.
Product: Debt collection

The company Midwest Recovery Systems put a collection on my XXXX credit report, that had been previously removed by XXXX when it was found to be fraudulent. I contacted them at XXXX. Their address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX. Apparently they were hired by a company called XXXX, whom apparently wound up with this debt. The last payment by whomever was reported XX/XX/2013, and as I stated this has already been determined to be fraud and removed by XXXX, so how can it now be put back on because some company goes out buying debts, fraudulent or not. There is a report on file with XXXX County Sheriff 's Department, they told me to get it and send it. I live in NH and am XXXX. I told them they gould get it under the freedom of information act. 

The original company was XXXX XXXX who is no longer in business.