23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was robo signed into foreclosure by XXXX because of the robo foreclosure they aggreed to settle the account for no more than the balance before I missed a payment I attempted to get a loan modification over many months where I was told first I made to much money, then not enough to allow a modification. 
through out this ordeal my arears kept fluctuating, 1 month it was XXXX then the next month it was XXXX. 
I ask for an accounting and never received it My attorney filled for arbitration on the modification and we had a hearing with the arbitrator. 
One week before meeting with the arbitrator I was layed off so the bank told the arbitrator it was a mute point to continue, which I agreed to but made sure I ask for an accounting of arrears for the record and the banks counsel said we would have it in a week.4 years later I am still waiting on it. 
Soon after that XXXX went into bankrupcy and were aquired by Green Tree Capitol. 
Again I started the process of a loan modification and trying to get an accounting of the arrears For 6 months I supplied the information they requested in their time frame only to be told they need something different before they could approve it. 
Durring this time I had a date for sherifs sale of XXXX XXXX 2013 and dozens of letters from Greentree stating they would not pursue any foreclosure/sale action as long as there was an active modification in process. 
In XXXX and XXXX I called Greentree 2 to 3 times a week asking if they needed anything to process the modification and also talk to them about canceling the sherifs sale per their own written policy that it would not be pursued, and was always told do not worry about the sale it would be canceled I met with an attorney in early XXXX, showed him the letters stating Greentree would not purse action while in the modification and he told me that was their XXXX XXXX and they would proceed regardless of what the letters said going into XXXX weekly I submitted more paperwork followed by a phone call asking if they had everything and asked when they would cancel the sale, which they assureed me they would and had plenty of time and then they would send a letter asking for something different. This went on untill a week before the sale with my last conversation was they would cancel the sale. 
The week of the sale I called 5 to 10 times a day and no one would talk to me about my modification and when they would be canceling the sale. 
Finally at XXXX the afternoon before the XXXX sale someone picked up my call and told me they changed their mind the sale was going through and i should not have gotten behind I then called the Ohio XXXX office and someone reached out to them with no avail. 
The result of the sale was @ loan balance {$280000.00} sale price {$500000.00} and needing to move out at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After having excellent credit for 25 years, my bank recently informed me that my credit score with TransUnion ( " TU '' ) had dropped dramatically. They recommended that I review my TU credit report to understand why. I did so and found out that an " Adverse Account '' had been posted on XX/XX/19 by XXXX XXXX XXXX XXXX, a debt collection company, claiming that I owed {$1200.00}. Since I never heard of XXXX, I immediately filed a complaint with TU. Within a week, TU wrote back and stated that XXXX had confirmed that the amount was owed and, therefore, the " Adverse Account '' would remain on the credit report until XXXX removed it. TU suggested that I contact XXXX to resolve the matter. I called XXXX on XX/XX/19 and, after just a few minutes, it became very clear that this was a scam. The TU rep told me that if I paid them the full amount due ( or a reduced amount of {$760.00} XXXX they would remove their claim with the credit agencies. HOWEVER, XXXX could not produce ANY facts about when, who or why I owed this money. I checked out XXXX with the XXXX. Their accreditation has been " REVOKED '', their rating is " F '' and there have been 878 complaints about them in the last 3 years. My credit has been damaged by this scam. TU should be VERY SKEPTICAL about ANY claims lodged by XXXX.
Product: Mortgage

Please refer to the documentation that we am uploading in your site. Thank you
Product: Mortgage

I had a mortgage on my home with BBVA Compass for over 20 years. Due to there errors on my loan, they stopped taking my payments. When i tried to resolve and filed a complaint with CFPD last year, they sent me a unclear explanation and my mortgage was paid off and a refund of over 9,000 $ was sent to me. I still owed 2 years on this mortgage.

On my 2016 income taxes, BBVA Compass said that i had paid them over 25,000 $ in payments. This is a blatant lie! They are doing something illegal and i dont want to be a part of it. I want this to be explained to me and the IRS why they falsly claimed these payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX was a co-worker friended on XXXX. On XX/XX/XXXX she posted a message with approximately XXXX pictures of items for sale. The story was her sister in law was going into long term care and she needed to get rid of items in a hurry out or her home. If anyone wanted any of the items they were to inbox her through XXXX  on XXXX. I have screenshots of all those messenger conversations. When messenged I asked where and when I could pick up the items I wanted. She asked if I it could pay right away so she could remove the items from the cue as things were purchased. I XXXX  myself {$950.00} from my XXXX XXXX Account. I complied to pay but then got a text messages that the {$750.00} XXXX payment was returned. I went to Cash App before receiving that message to send the remaining {$200.00} off of the same account in XXXX where the XXXX payment was made. By then I saw the XXXX text and went into my XXXX account where XXXX XXXX requested a {$700.00} payment. I then paid the {$700.00} and then got a text message the money was returned from there also. Whilst messaging this person ( XXXX XXXX ), I called XXXX to find out why the money was returned. XXXX had informed me they did not return the {$700.00} and they also do not send such information via text. When I made that person I was messaging with aware XXXX doesn't text message returns. They stopped texting and blocked me from further contact.I quickly called XXXX and spoke with a customer service agent who told me it was impossible for them to send me a text the money was reared because the receiving bank had not received the funds as of yet. So the probability was high I would get my refund. XXXX then later let the transaction go through and then tole me they were not going to refund the money. Initially XXXX refunded the {$200.00} and has now since also reversed this charge as well. 

FTC Report number : XXXX FTC Report number : XXXX XXXX Submission ID : XXXX XXXX Police Report : XXXX Consumer Financial Protection Bureau XXXX CFPB ) COMPLAINT ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was exposed in the XXXX, XXXX, Experian Data breach. I pulled my credit reports and noticed that I had a lot of unauthorized and inaccurate accounts that I did not consent to. I didn't consent to opening these accounts and I did not consent to the credit bureaus furnishing these unauthorized and inaccurate accounts. this is not fair to me because this is ruining my reputation with the banking system. I need these accounts removed immediately.
Product: Checking or savings account

Completed new checking account application and paid {$50.00} opening deposit. Account was flagged as fraudulent. Instead of Truist Bank returning my opening deposit to the original payment method and closing the account. Truist kept my {$50.00} opening deposit and sent me a debit card that can not be activated.Truist has charged a monthly {$12.00} fee to the account until it now has a negative balance of - {$34.00}. I get monthly statements to an account I have no access to and am unable to get my opening deposit back from Truist. I have been trying for several months to no avail.
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/2023 and I noticed there were hard inquires that don't have permissible purpose to be on there. These hard inquires are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times, they keep violating my rights under 15 USC 1681b. I also have attached the hard inquires that don't have no purpose to be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported isnt accurate either? This is ground for removal they also violated my rights under : 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 : states a consumer reporting agency can not furnish an account without my written consent. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking numbers : XXXX XXXX XXXX
Product: Credit reporting

My identity has been breached. An unknown party changed my contact info on my XXXX XXXX account. XXXX XXXX said this was done over the phone because the person was able to provide the last XXXX digits of my social security number and answer security questions. ( I do n't disclose this info to anyone ; so, I 'm not sure if this was an inside job or if XXXX XXXX server security was hacked again. ) The next step was to contact the credit bureaus. TransUnion could n't verify my identity/info, so denied my request. Customer service recommended using AnnualCreditReport.com. I went through the process on that site, but TransUnion again could n't confirm my identity/info. This prevented me from seeing if the other XXXX bureaus would release my reports. I ended up ordering the reports over the phone, but it 's going to take 15 days for delivery. Not good when one is trying to repair damage due to a stolen identity and prevent further damage. 

I called TransUnion. Not only could they not explain why I was being denied, they would n't provide a credit report unless I purchased it. That 's wrong. I 'm the victim of a crime. A crime that can ruin my credit, my reputation, and leave me penniless. 

AnnualCreditReport.com 's one credit report per year rule should be lifted when one is making the request due to identity theft. Credit reporting bureaus should n't be allowed to charge for a credit report when the request is made because of identity theft. 

How can the Bureau of Consumer Financial Protection help the operators of AnnualCreditReport.com better assist victims of identity theft rather than making the experience more XXXX? 

Regards, XXXX XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Inquiries on Consumer Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding unauthorized inquiries placed on my consumer report by credit bureaus, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to rectify this issue through other channels, I have yet to receive a satisfactory resolution, prompting me to seek your assistance in addressing this matter. 
On XX/XX/year>, I lodged a complaint with tXXXX XXXX XXXX XXXX ( XXXX ) regarding the unauthorized inquiries on my consumer report. However, to date, I have not received any correspondence or resolution from the credit bureaus in response to my complaint. 
According to the FCRA, credit bureaus are required to have a permissible purpose for accessing consumer reports. Permissible purposes include, but are not limited to, a firm offer of credit, insurance, employment application, or court order. I have thoroughly reviewed my financial records and have found no evidence of any such permissible purpose for the inquiries made on my consumer report. 
Therefore, I am requesting that the Consumer Financial Protection Bureau intervene in this matter and investigate the unauthorized inquiries placed on my consumer report by the credit bureaus. I kindly ask that you review the documentation provided by the credit bureaus to verify whether a permissible purpose was indeed established for these inquiries. If such documentation exists, I urge you to provide it to me for my review. 
Furthermore, I request that appropriate action be taken to ensure that the credit bureaus comply with the FCRA and cease any unauthorized inquiries on my consumer report. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint and take the necessary steps to resolve it promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  Services # XXXX, Account name : XXXX XXXX  XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

My information was compromised during the equifax breach. I receive hundreds of calls a week from Robo callers, credit line inquiries for loans that Ive never applied for. 

My information was compromised and Equifax didnt properly alert me in a timely matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 XXXX XXXX, MD XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My credit is showing Nelnet on my credit as a collection for account number XXXX in the amount of {$840.00} on XXXX. I have called NelNet and they have stated they do not have any late accounts for me and advised me to call XXXX  to which I did and they said that they have no overdue accounts for and I am in good standings with them and they are not showing anything in collects. I need this removed from my credit because I have made all known attempts to find out what it is and how to remove it and neither company has been able to assist me with it and each refers me back to the other company.
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. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I requested the closure of my checking and savings account on XX/XX/XXXX. I noticed that both of my accounts have disappeared from my online account ( I still have a credit card with Citi ) and I am still being charged monthly fees on the saving. Yet, I have to pay XXXX dollars. 
I contact the customer service and the banker, however, they could not give a concrete answer about the resolution. The customer service told me to go to a branch, branch told me to go to customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am contacting you in reguards to my XXXX XXXX and experian credit reports  because they are showing fraudulent accounts and credit inquiries that do not belong to me and I would like them removed as I have been contacting these companies none stop trying to get this resolved but have had no success in getting these items removed so I am seeking your help. Let me first start by saying my name is XXXX XXXX XXXX XX/XX/XXXX and I reside at XXXX XXXX XXXX XXXX ny XXXX and I am a victim of identity theft and my police report is inclosed in this letter. I would like everything below to be deleted from my credit report because it is fraud and someone stole my identity I have already notified the IRS and local authorities. Here is the list of items that are fraudulent Accounts Here 's every account on your XXXX   report. Click on the account name for more details. 

See an error? 

You can submit a dispute without leaving XXXX XXXX. Look for Direct Dispute in the details of the account. 
CREDIT CARDS XXXX XXXX XXXX Reported : XX/XX/XXXX + {$370.00} Closed OTHER LOANS XXXX Reported : XX/XX/XXXX + {$220.00} Closed Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX   report. 

XXXX Inquiry : XX/XX/XXXX + National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + National Credit Cards/Airlines ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Department & Variety Stores ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX NA Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX CO DUAL CARD Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX +  XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX +  National Credit Cards/Airlines ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

SECURITY CREDIT SERVICES Reported : XX/XX/XXXX + {$2700.00} Needs Attention XXXX XXXX Reported : XX/XX/XXXX + {$730.00} Needs Attention Please remove all these items from my report because they are fraudulent and do not belong to me.
Product: Consumer Loan

I have a loan that was to be paid off to Heights Finance after over a month of attempting to gain the pay off figure I have yet to been able to obtain that amount, meanwhile they are attempting to repo the car. I have called, faxed and went to obtain the loan and could not get the exact pay off. The company has completely ignored the requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 fraud accounts listed on my credit report for XXXX XXXX XXXX XXXX IN XXXX and XXXX XXXX XXXX   XXXX. I have filed an Identity Theft Report which is attached to this complaint and the report number is XXXX. Please see the attachment. Please remove these fraud accounts from my credit report immediately. Thank you
Product: Credit reporting or other personal consumer reports

I've been in contact with XXXX XXXX in order to remove a XXXX late payment notice off my credit from XXXX of XXXX until XX/XX/XXXX. The last time I'd contacted XXXX XXXX, I was informed that they had updated my report to reflect that the 30 day late payment was removed. I checked my reports XX/XX/XXXX and noticed the changes. On XX/XX/XXXX equifax reversed status has reapplied 30 day late payment to my report, even though they initially removed and XXXX XXXX agreed to have it removed as well.