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

I must all pay credits on time because its my responsible important but i lost job even i feel depress. Need help i for job
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Equifax has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy in my credit report and to conduct a reasonable reinvestigation of disputed information. 
On XX/XX/XXXX, I received a credit report from Equifax, reference number # XXXX, which includes an unauthorized inquiry made by XXXX XXXX on XX/XX/XXXX. 
I filed a dispute requesting the removal of this inquiry, as I never authorized it. There is no contract, verbal agreement, or written consent from me to justify this inquiry. In response to my dispute, Equifax provided the following statement as part of the Dispute Results : " The results are : An inquiry is a factual record of all companies that accessed your Equifax credit report. If you think that the inquiry was not allowed by you, please contact the company that made the inquiry. Please contact the creditor directly and follow their fraud procedures. '' This response demonstrates Equifaxs failure to address my dispute adequately or provide evidence of my authorization for the inquiry. Instead, Equifax shifted the burden of proof onto me as the consumer, requiring that I resolve the issue with the creditor, which is contrary to the requirements of the FCRA, specifically : Section 604 of the FCRA ( 1681b ) : Prohibits inquiries on credit reports without explicit consumer consent or a permissible purpose.

Section 611 of the FCRA ( 1681i ) : Requires credit reporting agencies to conduct a reasonable and thorough reinvestigation of disputed items. 
By failing to provide any proof of my authorization or conducting an adequate reinvestigation, Equifax has violated its legal obligations. 
The unauthorized inquiry has negatively affected my credit score, damaged my financial reputation, and caused significant stress. It has limited my ability to access financial products on favorable terms, creating unnecessary inconvenience and hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure of these accounts with XXXX XXXX XXXX XXXX, XXXX, XXXX. These accounts are unfamiliar to me and I don't remember having any agreement with them. These were reported in TRANSUNION so I believed TRANSUNION was not able to investigate these accounts promptly. Please supply any signed agreement with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed fraud accounts on my credit report and sent all verifying information to prove that these accounts do not belong to me the accounts are as follows XXXX  XXXX, XX/XX/2018. This account is fruauduent and does not belong to me.
Product: Credit card or prepaid card

Sat. XX/XX/2018 at XXXX  I called Chase regarding my credit card. FIRST, I get a message that my voice is being recorded and can be used to identify me.

SECOND, when I speak to a customer service rep, she has a heavy accent, has no idea what I am asking her & then start reading a script.

I do NOT want my voice recorded and saved/used for identification purposes.

I do NOT want to speak with a person who does NOT UNDERSTAND ENGLISH, when I am calling about financial transactions. Chase advertises US based Customer service ; this customer service rep was located overseas and could NOT UNDERSTAND SIMPLY STATEMENTS. Chase should be investigated for FALSE advertising and collecting personal data ( my voice ) WITHOUT MY PERMISSION
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN THESE ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting inaccurate information on my report they are getting information from a third party vendor they did not verify account they keep saying they verified it as being accurate failed verify physical verification or to tell me what is the person name who verified the account how did they verify my account I contacted the original source and they provided to me they in fact do not report to credit bureaus third party vendor is inaccurate
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from it. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$7000.00} XXXX XXXX Balance : {$7500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Few months ago, I had discovered that I was a victim of identity theft. I discovered that someone unknown to me had used my personal information to open an account with XXXX XXXX. As soon as i find out about this account i did file an identity theft report and i sent a copy to XXXXXXXX XXXX  and sent copies to all three major credit reporting agencies. i requested from XXXXXXXX XXXX XXXXhat comply with my request in the following matter, Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report I also requested that do the following. 
Stop reporting false information about this debt to credit reporting companies Provide me with the records I requested. 
As of today, I have not received no documents supporting the information they are reporting to the credit bureaus. Which is damaging my benefits that i can have with good credit. If you look at my credit report not only you will see excellent credit history for over twenty years you will also see the high limit credit card not XXXX dollars that the are reporting falsely under my name. today i checked my credit report my credit score dropped XXXX points and they reported false information that i made partial payment with no evidence to the credit bureaus and me.
Product: Credit reporting or other personal consumer reports

I am exhausted from trying to fix this problem with Equifax confusing my identity! I have sent verifying documentation several times and they refuse to fix my credit report. They aren't even reporting my name correctly and there are several accounts that do not belong to me!
Product: Credit reporting or other personal consumer reports

Between XXXX and the XXXX credit bureaus, medical charges are reported on my credit report. According to you, the Consumer Financial Protection Bureau medical bills are no longer included in the United States credit reports. You finalized this rule, the Consumer Financial Protection Bureau ( CFPB ). I disputed the issue with all three credit bureaus but did not prevail. I then called XXXX, but I did not prevail. Situation : XXXX XXXX recommended that the credit card be used to pay off the balance for my dental procedure. The document I am submitting is the receipt for the dental services ; the letterhead states XXXX XXXX and the charge is to XXXX. Please note that the XXXX XXXX, according to their advertising and website, is for various XXXX XXXX. I am specifying these details because XXXX tried to tell me they are just a credit card.
Product: Mortgage

In the XX/XX/XXXX Caliber Home Loans bought my loan from XXXX, my husband had lost his job, we were in the middle of a modification, Caliber granted that in XXXX of XXXX. We made three or four payments, I had to miss work due to an illness, my husband was ill and therefore we got behind on our mortgage. I applied for a modification on XXXX XXXX, XXXX, the rep told me it would n't be a problem, well, this is when the nightmare began, they denied it saying we did n't have a hardship, they had already given us a mod this year, and we did n't have enough income, they had his income down wrong. The rep also told me not to make a payment in XXXX. By this time I am behind 4 months, I had received a breach letter, it was due to expire in two days, they set me up on a payment plan for {$3200.00} down and {$2700.00} a month for two months after that, they told me they do n't stretch it out for six months. I was approved for that plan, I called back, a lady told me you do n't have to do that plan, appeal the modification they denied, and I will take a payment over the phone on the XXXX of XXXX, I got a card in the mail that said they were taking out a payment, I had already sent a check, I had to stop payment on the check, so they did receive a payment in XXXX, I called back in XXXX, now they 're telling me they denied the appeal, they ca n't take one regular payment because the breach letter expired on XXXX XXXX, I have been turned down for any type of repayment plan because I make too much money or not enough, I applied again for a modification, I was turned down again, they keep wanting paycheck stubs, I send that, then they want me to sign them. It goes on and on, I am writing to you because I saw in your letter they have to give you six months to stretch out the loan, if that 's the case why ca n't they take what I owe and divide it by six??? They keep threatening foreclosure, they wo n't give me modification, the down payment is very high, but they tell me they do n't want the house. I am XXXX years old and have been a XXXX for 34 years, will someone please stop these people and help me get a modification or a payment plan where I can keep my house!
Product: Checking or savings account

I discovered an unauthorized non-Chase ATM withdrawal of {$160.00} from my business checking account ending in XXXX made on XX/XX/2021 which was a day I never left my house. I made a claim of fraud on XX/XX/2021 and suggested the XXXX gas station I used on XX/XX/XXXX may be where my debit card information was stolen. 

Within only a few days the bank denied my claim and when I called to ask for information on the withdrawal to attempt figuring out what happened the representative told me they can not provide any. I asked if I could appeal the decision but that isn't allowed so am now filing a complaint here.
Product: Debt collection

I contacted the company by letters asking to validate debt with the amount of XXXX but didnt receive a response. Letters was sent on XX/XX/21 and XX/XX/21
Product: Mortgage

This is the 2nd complaint against Ditech. The 1st complaint was closed, # XXXX. Ditech 's response to my initial complaint indicated four checks were issued to me in the amounts of {$1100.00}, {$500.00}, {$120.00} and {$1700.00}. I was not aware of this until I reviewed the response on cfpd site. I immediately went home to review un-opened mail from Ditech, as I assumed the correspondence was simply confirmation of the electronic payments made from XXXX. I located check amounts, {$500.00} and {$1700.00}, however check amounts {$120.00} and {$1100.00} were never received. These checks needed to be re-issued. I spoke with several Ditech representatives on different occasions about the missing checks and was given conflicting information. At least XXXX different representatives indicated the check will be re-issued checks will take 7-10 business days for me to receive. I spoke to a supervisor, XXXX, from the Florida call center XXXX in early XXXX, she informed me she will investigate and contact me, she never did. I attempted to contact her and spoke with someone else, on XX/XX/XXXX, who stated the checks were re-issued. Since it has been well over 10 days I contacted Ditech again and spoke to several people who did not seem to understand the reason for my call and would transfer me to someone who could not assist me. Finally, I spoke to a manager in the XXXX, AZ office by the name of XXXX XXXX. XXXX stated she could not confirm if the checks were re-issued and will submit a request for checks to be re-issued and will follow up with me in 2 days. I also provided her with ACH information to help expedite payment. At this point I am beyond upset, as I am clearly getting the runaround. I lived in the property for over 16 years and now I am facing foreclosure for what I believe to be a mix up/break down of communication. The representatives I have communicated with since XXXX all have a different skill-set and provided conflicting information. I am in need to the money due to me, as it will help me stay in my home. Now I have a new mortgage service ( XX/XX/XXXX ) and they are not aware of any of this return payment issue with Ditech. In addition, the mortgage servicer mentioned in Ditech 's response is not correct. I am receiving correspondence from a servicer, XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Case ID - XXXX XXXX ) On XX/XX/year>, Macy 's effected a reversal of payment in the amount of {$4300.00}. 
2 ) After review of the reversal of payment by Macy 's, my banking institutions finance department, XXXX XXXX XXXX XXXX, determined that the payment originally submitted on XX/XX/year> at Macy s XXXX XXXX XXXX XXXX XXXX XXXX ( via check ) was never cashed. As such ; 3 ) A stop payment was placed on the aforementioned check and a new check # XXXX, in the amount of {$4300.00}, was issued by my credit union on XX/XX/year>. 
4 ) The above check was mailed by this writer and delivered via USPS express signature on Monday, XX/XX/year>. The associated USPS tracking number is XXXX XXXX XXXX XXXX XXXX XXXX. 
5 ) Again, the replacement check number is XXXX XXXX ) The check was deposited by Macy 's on XX/XX/year> and cleared on XX/XX/year> but has not been credited to my Macy 's American Express account as payment or refunded. Also, the treasure 's check contained my account number so I am unsure of how an error as such could have happened. 
7 ) I have reached out to Macy 's customer service countless times since XXXXXXXX XXXX XXXX, via phone and email to try and resolve the matter. Macy 's initially claimed to have never received the check. 
8 ) On XX/XX/XXXX, I received communications from Macy 's saying that the dispute was being looked into but still no credit of payment.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

My ex-wife and I separated in XXXX. In the process, my mortgage loan was modified by GMAC beginning XXXX XXXX. Shortly afterward Ocwen Loan Servicing took over. 

My divorce was final in XXXX XXXX. The house stayed with me, my ex-wife signed and filed a Quit Claim for said property. 

In XXXX I began the process of attempting to have her name removed from the mortgage with Ocwen. Ocwen began " reviewing '' the assumption package XXXX XXXX, XXXX. 

I have continued to supply Ocwen with responses, paperwork, forms, documentation, and whatever else they requested since. I was traveling during XXXX of the times I was requested to provide documents and it took approximately XXXX weeks to honor that request, but most times I provided whatever information requested within XXXX days ; sometimes within hours. 

From approximately XXXX XXXX to XX/XX/XXXX, Ocwen had an " internal issue '' in their FHA underwriting department. This issue brought the entire assumption process to a halt. I find it difficult to believe that Ocwen could not or did not write a single FHA loan during that time. 

My income alone is higher than were mine and my ex-wife 's incomes combined when this loan was originated. My income is higher than it was when this assumption process was initiated nearly XXXX months ago. My debts are lower than they were when this loan was originated and they are lower than they were when this assumption was initiated - by nearly $ XXXX/month. 

I am, and have been, paying as agreed since the modification of this loan in XXXX XXXX. I have not been late. I have not missed a payment. I have paid at least the full amount and as a matter of fact have paid extra for several months. 

My ex-wife has grown impatient with this process and has filed contempt charges against me. Because of Ocwen 's failure to execute, I might very well incur legal problems. As a result, I have begun applying for another mortgage loan with another provider. If Ocwen continues to fail and I am required to obtain a loan with another provider, the terms of the loan will be different from my current mortgage. A new loan will cost me more money now as well as in the future. I was told at XXXX point in all of this mess, that if this assumption was " approved '' with Ocwen that the terms of the loan would not change. 

I am not applying for a loan ; I am only attempting to have my ex-wife 's name removed from the existing loan. She has signed and filed a Quit Claim. The XXXX XXXX XXXX, in the divorce proceedings, ordered that I be the sole owner of this property. My income is higher and my expenses are lower than when this process was initiated. Ocwen has been provided with all of this information, and more. Repeatedly. 

Some type of relief would be nice although I understand that might not be possible. If not for me, perhaps something can be done to prevent this type of unethical, frustrating, improper, incompetent behavior and/or activity from happening in the future.
Product: Credit card or prepaid card

I am experiencing problem with Barclays JetBlue credit card 1. They charged me card fee after telling me they are refunding the fee and now there's interest and late fee 2. All my XXXX XXXX points were gone after closing the card
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/21 i sent a letter to trans union, XXXX and XXXX about having the wrong names and addresses on my credit report. they still didn't remove anything. i sent in my driver license and proof of address.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that ELAN FINANCIAL SERVICES have placed an inquiry on my XXXX credit file dated XX/XX/2020. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both ELAN FINANCIAL SERVICES and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Product: Consumer Loan

I finished paying my loan in full over 3 months ago to vouch financial. After numerous calls I get no assistance and answers why the keep reporting this account as open. This is hursting my credit scare and credit worthiness. Furthermore, Vouch is in violation of the FCRA.
Product: Student loan

I currently have a large student loan balance with American Educations Services who is the servicer. I have always made payments, but recently as of XX/XX/XXXX I have gone through a financial hardship and have fallen behind my payments. I contacted AES and they had sent me forms to complete so I can be enrolled in their financial hardship program ; in which payments as interest rate ( s ) are reduced. However, I need to be 100 % caught up in my payments in order to proceed. I have explained that it 's not possible for me to catch up as I am currently experiencing a financial hardship. Their response is that there is nothing that they can do. Due to this my credit is becoming damaged and I will always be late and never meet their parameters for their program. Instead they offer me forbearance, why would I want to make my loan more expensive? They is obviously an attempt to dissuade borrower 's from qualifying for their program and keep collecting fee ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stolen and someone used my information to open up accounts in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent credit Inquiries on my credit report over the past two years I didnt apply or authorize for any credit company to access my credit fromXX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX I purchased an item from XXXX in the amount of XXXX including expedited shipping. The purchase never arrived. I emailed company on XX/XX/XXXX and XX/XX/XXXX with no response. I then attempted to dispute the charge with Simple XXXX on XX/XX/XXXX. I have done everything humanly possible to get a credit from Simple ; emailed them multiple times with supporting documents, used XXXX and XXXX, and multiple calls have been a wait time of over two hours. According to their timeline, they have still not begun the investigation process despite their claims of good faith temporary credit. My problem is with this bank as I have had multiple problems including a 5 business day hold on the federal stimulus check amongst others. I have been attempting to get in touch with them in one way or another and they have not been to look at the problem despite their saying they contact you after they receive the dispute. Its been two weeks since I filled this dispute and a month of being without my money or item.