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

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX Last reported XX/XX/XXXX {$210.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 mos ) Account statusOpen XXXX/XXXX  Last reported XX/XX/XXXX {$2100.00} Reported balance Credit limit {$1000.00} You're using 217 % of your account 's limit XXXX Credit   limit {$1000.00} Minimum monthly payment {$33.00} OpenedXX/XX/XXXX ( 6 mos ) XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$700.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$700.00} Minimum monthly payment {$0.00} OpenedXX/XX/XXXX ( 7 yrs, 8 mos ) XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$500.00} You're using 0 % of your account 's limit XXXX Credit limit {$500.00} Minimum monthly payment {$0.00} OpenedXX/XX/XXXX ( 8 yrs, 11 mos hese lenders have accessed your credit file : XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I received an approval letter for a covid-19 deferment for the XXXX XXXX XX/XX/XXXX. The bank reported the deferment payments as late with XX/XX/XXXX with it being 150-179 days past due, XX/XX/XXXX being reported as 120-149 days past due and XX/XX/XXXX being reported as 90- 119 days due. 
I want this lates removed off my consumer report.
Product: Credit card or prepaid card

On XX/XX/XXXX I took a taxi ride outside port authority bus terminal in XXXX, to XXXX XXXX Train station in NJ, the cab driver threatened to leave me stranded if I didn't provide payment up front. He pulled over after crossing the NJ XXXX toll close to the XXXX, he demanded my credit card upfront for payment, ( first my American Express ) he swiped it 2 times, one for {$700.00} which was denied for fraudulent activity, and then he swiped it again for {$870.00} which did go through, he lied and said it didn't go through and then demanded my other credit card in which he charged another {$540.00} ( including a {$90.00} tip to himself on my XXXX XXXX card and he also forged a signature that barely looks like a scribble. I have a copy of the receipt pull of the XXXX website, where there is a copy and clear proof of this, both transactions where made by different card readers, I never swiped the card myself, and neither did he give me a number or a receipt, again this was all swiped during the trip not after, and he did not meter the drive. I had Amex on the phone while he was still driving me and he was harassing me the entire ride, I made sure the Amex rep heard everything the driver was telling me. The rep was kind enough to stay on the phone with me for about 1 hr, because of the unsafe situation.
Product: Credit reporting 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 : XX/XX/XXXX Account Number:XX/XX/ Account Name : XXXX Account Number:XX/XX/ Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number:XX/XX/ Account Name : XXXX Account Number:XX/XX/ Account Name : XX/XX/XXXX Account Number:XX/XX/ Account Name : XX/XX/XXXX Account Number:XX/XX/XXXXAccount Name : DP OF EDUC Account NumberXXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

I asked this company to send me paperwork I signed stated I agreed or gave permission for them to sale my personal information to a third party. I also asked if it was legal to report the same debt on my credit file that they sold to a collection company that is reporting the exact same debt without my consent. I have yet to receive any paperwork from the credit card company or the collection agency.
Product: Credit reporting or other personal consumer reports

Based on a letter I received from XXXX dated XXXX, my loan account was transferred to XXXX effective XXXX. I received a letter from XXXX dated XXXX welcoming me and informing me that they now controlled my loan effective XXXX. ( See XXXXXXXX XXXX XXXX XXXX Welcome letter attached ) Based on views from all three credit reports, XXXX nor XXXX updated my credit report with this information. I reviewed and have filed XXXX disputes regarding incorrect information sent to Transunion, XXXX and XXXX from XXXX. All three credit reports sent information stating that XXXX stated that my loan was in good standing, active and the loan balance of XXXX is still being reported as {$92.00}, XXXX Since XXXX no longer owned my loan effective XXXX, XXXX had no knowledge that I had received a letter from XXXX dated XXXX informing me that I had received from the XXXX XXXX XXXX XXXX Driven Repayment ( IDR ) forgiveness and my loans were PAID IN FULL effective XXXX. ( See attachment XXXX XXXX XXXX XXXX XXXX XXXX  ) Each time I submitted a dispute with each credit bureau ( Transunion, XXXX, and XXXX ), XXXX continued to report there was a balance. How could XXXX know if there was a balance if they transferred my loan? XXXX failed to update their records with the national credit bureaus indicating that XXXX was my current loan service provider. 

XXXX has also failed to provide the information to the three credit bureaus that they were the last loan service provider for my loans when I was given the IDR forgiveness on XXXX. To date, XXXX is not listed as a service provider on my credit report. 

This fraudulent reporting from XXXX has impacted XXXX, Transunion, and XXXX from reporting my current credit utilization on my credit reports which also impacts my credit score. 

As of XX/XX/2024, XXXX is still reporting that the Dept of Education loan balance is still active and has a balance of XXXX, XXXX. As of XX/XX/2024, XXXX is still reporting that the Dept of Education loan is still an active and open account with a balance of XXXX, XXXX according to XXXX. ( See attachments ) Please review the attached documents regarding my student loan accounts and assist me by updating your information on my credit report. This letter has also been sent to the FCRA and Fair Credit Consumer Financial Protection Bureau to assist me with my complaint. 

In closing, I do not have an active educational loan and my loan should reflect a XXXX balance and not a balance of {$92.00}, XXXX. 

Thank you for reading my email and your attention to this email.
Product: Credit reporting or other personal consumer reports

I do no recognize none of these inquires. Nor did I authorize them. 
I've already contacted all Experian, XXXX and XXXX in regards to the matter. 

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
Product: Vehicle loan or lease

On XX/XX/year> I was involved in a car purchase through XXXX in Arizona, where Challenge Financial was listed as the lender. The dealership asked me to falsely report a {$2000.00} down payment, when I only paid {$1000.00} ( {$600.00} cash, {$400.00} card ). I refused to lie. Additionally, they submitted paperwork that misrepresented my role I was supposed to be the co-signer, but they listed me as the buyer to obtain financing approval.

Financing was never finalized. I did not provide the required documents such as proof of insurance or residence, and the vehicle has not been delivered. I attempted to call Challenge Financial to explain the situation, but I was transferred repeatedly and unable to reach anyone who could help or clarify if a loan was actually processed. 

This situation feels deceptive and coercive, and I want to ensure that no loan is opened in my name and that my credit is not affected
Product: Debt collection

Date Opened : XX/XX/year> Status Updated : XX/XX/year> Balance : {$5500.00} Due to a loss of employment, I received state assistance from the Colorado Department of Human Services to terminate my lease without penalty. However, the apartment complex withheld my security deposit totaling {$1200.00} and stated I owed an additional $ XXXX for cleaning costs. I requested a detailed breakdown of these charges, as I am familiar with standard move-out costs in the leasing industry. I can confirm that my unit was left in excellent condition, with only minor wall holes from picture frames and a TV mount. The complex did not provide a response with any explanation or itemization. 

Furthermore, although state assistance of over {$5000.00} was issued to the apartment complex on my behalf, it appears that none of this amount was applied to the final move-out balance. While the state informed me that any non-rent-related charges would be my responsibility, I was alarmed that move-out and cleaning costs were calculated at an excessive almost {$1700.00}. Neither my caseworker nor I received any further clarification from the complex, and the matter was subsequently forwarded to collections without proper resolution. 

Once assigned to ProCollect, I received no written notification of the debt, nor was I afforded the opportunity to request verification of the debt as required under Colorado tenant laws and the Fair Debt Collection Practices Act ( FDCPA ). Despite multiple dispute attempts, ProCollect has not acknowledged or validated my requests. This unresolved and unsubstantiated debt is now adversely impacting my ability to secure safe and stable housing. 

I respectfully request immediate action to resolve this matter. Given the lack of documentation, communication, and adherence to required legal procedures, I assert that this debt is not valid and ask that ProCollect cease reporting it until it has been properly validated. Thank you for your prompt attention to this matter.
Product: Mortgage

Wrongful foreclosure Violations 1. Violation of the security first rule.

2. Breach of oral contact.

3. Breach of written contract.

4. Wrongful foreclosure 5 promissory estoppel.

6. Violations of California civil code sections 2924 j, and 2924 k 7. Negligence select portfolio services Inc.

8. Negligence ( Quality ) 9.Negligence Misrepresentation.

10. Violation of the Rosnthal fair debt collection practices act.

11. Conversion.
Product: Credit reporting or other personal consumer reports

Recently, I did an Investigation on my credit report and found several items on there to be inaccurate on my account. The account is hurting my ability to obtain credit. Is my understanding that Credit Agencies will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate. 

XXXXXXXX XXXX ACCOUNT # XXXX under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it should follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information a in general if after any reinvestigation under paragraph ( 1 ) of the information disputed by the consumer and item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer or modify the item of the information as appropriate based on the results of the reinvestigation ( ii ) and promptly notify the furniture of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding negative items was submitted on XX/XX/2024, and I have not yet received a response.
Product: Mortgage

CitiMortgage continues to deny my application for loan modification despite the fact that I have sufficient income for modification. Citi refuses to consider me for a loss mitigation option deriving from the National Mortgage Settlement Agreement. With my income I have the ability to repay approximately {$720000.00} in Principal and Interest over a 30 year term. Citi, however, will not consider me for a principal or interest rate reduction and they deny me because they say that I can not repay my arrears within a " 3 to 6 month term ''. That is a ridiculous requirement and in clear violation of the terms of the National Mortgage Settlement Agreement. Citi is moving my foreclosure forward and intends to sell my property at foreclosure auction. Citi has been dual tracking my loan in violation of 12 C.F.R. 1024.41 ( g ).
Product: Credit reporting or other personal consumer reports

I have disputed my Dept of Ed / XXXX XXXX loan but its still reporting on all XXXX credit Bureau and they have not removed this student loan from my credit report, Personal Information : XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX Fl XXXX, XXXX : XXXX Name of company that reported the item youre disputing and the partial account number ( from your credit report ) Account Information : DEPT OF ED / XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : XXXX XXXX Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms {$0.00} per month, paid Monthly for 240 months High Balance ( Hist. ) High balance of {$66000.00} from XX/XX/XXXX to XX/XX/XXXX Reason for your dispute : Discharged in Bankruptcy Any corrections to your personal information ( address, phone number, etc. ) Name change : XXXX XXXX ( please remove XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone numbers : ( XXXX ) XXXX Website : XXXX  Experian Mailing address : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX number : ( XXXX ) XXXX Website : www.experian.com XXXX Mailing address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX number : ( XXXX ) XXXX Website : XXXX
Product: Mortgage

USBank ( hereinafter USB ) did repeatedly fail to correct the error that resulted from gross incompetence resulting from USB staffing cutbacks and their banking USB Agents. 

MULTIPLE EFFORTS WERE MADE TO ENABLE USB TO RECTIFY THEIR ERROR. 

Proof of offer enclosed. 
See Attachment ( EXHIBIT A ). Proof of fact is that I paid off my HELC in full and then borrowed the full paid off amount again to obtain a lower 3.99  % fixed rate. See USB account records from USB ( EXHIBIT B ) in USB account data file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute is in regards to a 30-day late status for my Discover card in XX/XX/2021. I was given incorrect payment information which resulted in the incorrect reporting. I already tried to dispute the issue with both Discover and XXXX  but Discover refuses to correct the error. My household income was reduced significantly due to the COVID-19 pandemic. As a result, I was referred to a covid-19 relief department which placed me on a payment relief payment plan. It appears that the main customer service department and the COVID-19 relief department were not on the same page with the payment agreement. I kept receiving calls about my Discover card being late but when I would contact the relief department, I would be informed that my payment was current. I have never been late with Discover and had I known there was an issue, I would have simply paid the amount needed to avoid the 30-day late status. When I spoke to Discover customer service, the reps had no regard for my situation and were not willing to retract the status despite hearing my situation. The relief department also gave me incorrect info in regards to being current. There was significant confusion between the departments and misinformation provided to me.
Product: Mortgage

On XX/XX/XXXX or XXXX, my local branch ( Truist ) called me saying I needed to sign another document from a HELOC we closed on XX/XX/2023- so it is now 6 months later... 

I found this odd as I have received no official notices from Truist ( mail, e-mail, or otherwise ) stating that there was missing paperwork. Because of this, I asked them to send me a copy of the document to review. I noticed it said page XXXX of XXXX and since they need it notarized I asked to see the other XXXX pages as I don't anything resembling this paper from our loan agreement, etc... 

When I asked a few questions I was told they only have one page and received a voicemail from the Branch Manager telling me " I have to sign it '' Prior to coming in ( during the week of XX/XX/2023 ). I asked these questions via email : XXXX ) usually if something was missed, we would have received something from Truist within 30 days and definitely before 90 days - why are we just hearing about this 6 months later? 

XXXX ) the document you sent says page XXXX of XXXX, and when compared to the papers we left the office with im not seeing any corresponding paperwork that matches what seems to be XXXX pages. Can you send me the other pages to compare to what we have? 

XXXX ) because we havent ( at least to my knowledge ) received any official notice from Truist and Im not seeing anything similar in our copy- this is making me feel like this is new documentation or something that wasnt included originally, which I hope we arent being asked to sign new documentation 6 months later ( hopefully seeing the other pages will help me see if I overlooked something in the documentation we have ) XXXX ) why is nothing showing in file with the county clerk? Am I not looking correctly? 

I received no response regarding these questions via email other than " The only thing I was inform to do was notarized this documentation ''. 

I need to know what is going on, why I can't get any answers and why no official documentation from Truist has been sent.
Product: Mortgage

The mortgage servicing company, Mr. Cooper, purchased a new insurance policy for my property on XX/XX/XXXX before the old policy expired on XX/XX/XXXX. I sent them proof that I renewed my old policy. They then sent me a confusing letter about charges that may have been charged to my account that I received on XX/XX/XXXX. When I called to get an explanation on XX/XX/XXXX there were no options to speak to a human. Customer service was horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX Paid in full ) {$840.00} XXXX XXXX XXXX ( Paid in full ) {$1500.00} XXXX XXXX XXXX was removed and re-inserted illegally ) {$1300.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with original creditor and has been confirmed. I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I am almost XXXX yrs old and want to live in a senior community for a reasonable price. I recently had the opportunity to purchase a co-operative CASH because of a personal injury settlement. 

I found a co-op for {$70000.00} on XX/XX/XXXX. In order to qualify I was told I need income and credit score requirements, as well as background and criminal checks. I was not worried about income, but credit score was borderline ( around 665 ). 

After almost a month, on XX/XX/XXXX, I received an email denying my application. 

I received a letter from XXXX XXXX XXXX yesterday, XX/XX/XXXX, called " Adverse Action Notice '' denying my application, showing a credit score of XXXX ON XX/XX/XXXX, which claims they obtained my credit score from the consumer reporting agency EXPERIAN. I assume this is the company that XXXX XXXX XXXX XXXX uses to either accept or reject applicants. I PAID THEM A {$100.00} DEPOSIT. My {$100.00} deposit check is dated XX/XX/XXXX and was held until XX/XX/XXXX when all my information was received. HOW COULD THEY HAVE PULLED MY XXXX XXXX FROM EXPERIAN ON XX/XX/XXXX, WHEN I HAD NOT EVEN APPLIED AT THAT TIME? AND MY SCORE WAS THE SAME SINCE XX/XX/XXXX ACCORDING TO MY ACCOUNT ( XXXX ). 

This is impossible! I go on my Experian account online from time to time to check my report and score, and my score is currently XXXX. It was XXXX since XX/XX/XXXX on my Experian account. 

I think I may have been discriminated against, or at the very least, treated unfairly. My husband 's score was higher than mine, and yes, he does not have a high score. His is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASK THE CREDIT COMPANYS TO REMOVE THESE ACCOUNTS THEY HAVE YET TO DO SO.