23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened a savings account in just my name with Chase bank. At the time of opening the savings account I asked several times if my husband would have access to the account. I was reassured he would not. 
On XX/XX/year> a fraud alert was sent to him for my savings account that he is not on. I called customer service and the fraud line, I was first told that this didnt happen when I stated I had a screen shot that it did happen I was transferred twice and told someone would call me back. I waited until XX/XX/year> and no call so I called again. Once again transferred multiple times, told that didnt happen and that someone would look into it and call me back. Still no call back by XX/XX/year> so once again call placed to customer service, transferred serval times and once I reached the escalation department I was hung up on when I explained what happened and that this was a breach of my confidentiality.
Product: Mortgage

This is a new complaint that is a continuation from a previous complaint that is still not completely resolved. Mr. Cooper explained and fixed the previous issue with my payments. However, in the process of the issue and because it took so long to fix this issue, several other problems have now occurred with my mortgage. 

Because my mortgage was left unpaid for so long even though I made the payments, it was put in a foreclosure status causing us to receive notices in the mail and letters from lawyers. Just when I thought this situation was resolved, I received an email from XXXX showing my own home for sale in a pre-foreclosure status!!! Talk about adding insult to injury after all of the other mistakes that have happened!! 

In addition, I found out during this whole process that Mr. Cooper paid my homeowners insurance and is now trying to raise my payments. They had no right to pay my homeowners insurance without asking me. Our HO insur. was on a automatic debit. I received a check last XX/XX/XXXX that said is was an overpayment of my Escrow. I thought they meant my property taxes since I was paying my HO Insurance on my own.
Product: Student loan

I have been paying on the Income based repayment program to qualify for the student loan forgiveness program for nearly 8 years now. On XX/XX/XXXX, I called to request an update on a Income driven repayment application I had placed to change my program to a lower payment. I called XX/XX/XXXX to inquire about the status of my application. I was told to call in after the XX/XX/XXXX to have it exedited had I not heard back by then, that everything seemed in order to have that application processed, nothing was out of the ordinary. 

Upon calling today ( XX/XX/XXXX ) I was told the student loans in question did not qualify for any other IDR plans other than IBR and nothing would be done about the application. I was also told that the loans I had, do count towards the Public Service Loan Forginess program, which I thought I had been paying for the last 7-8 years. I have called in to Navient many times over my years of repayment to reinstate my IBR. In those times I have questioend them about the PSLF program and if I was staying in the requirements of that program. Not once had I been told I had the icorrect loans. 
So I am left with the option of paying my IBR another 15 years when I was led to believe I had <3 years left to apply for the PSLF prorgram, or consolidate my loans to a direct loan and start from scratch to make my 120 loan payments, so they will be forgiven. 

I have had phone conversations with Navient about what steps not to take to make sure I qualify for the PSLF. Those specific conversations incluced being told NOT to consolidate my loans. NEVER once was I told that the type of subsidized loans I had did not qualify for PSLF. 

I am extrmemely frustated that I have just now been slapped with {$35000.00} in loans I had been led to believe was going to be forgiven in the near future.
Product: Credit reporting or other personal consumer reports

I disputed an inaccurate collection account reported by XXXX XXXX XXXX to Experian. This debt is tied to The Landing Apartments, where I submitted an application but never signed a lease or took possession of the unit. 

I contacted The Landing Apartments, and they confirmed they do not have a signed lease agreement with my signature or an IP address verifying an electronic signature. XXXX XXXX XXXX also stated that they only have an application on filenot a legally binding lease. 

Despite this, Experian refused to remove the unverified debt, violating the Fair Credit Reporting Act ( FCRA ), which requires that only accurate, verifiable information be reported. I have requested proper documentation multiple times, but none has been provided. 

I am requesting the CFPB to investigate and ensure the removal of this inaccurate debt from my credit report immediately since there is no legal basis for its collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have try to solve this for some time now, with Equifax and XXXX, XXXX XXXX took the time to investigate and remove all negative fans charges for my credit report. 

Turns out that my brother open credit cards and other accounts in my name for several years while I was living overseas. When I return last year I try to fix my credit report for months only XXXX XXXX took the time to investigate. 

I do never open accounts with the following companies, all account I have are up to date with XXXX balance. 


XXXX XXXX XXXX XXXX XXXX XXXX 142 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 197 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE Equifax I XXXX {$4000.00} {$0.00} {$0.00} XXXX XXXX $ XXXX XXXX XXXX XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE Equifax I XXXX {$0.00} {$0.00} {$1100.00} XXXX COLLECTION ACCOUNT {$1100.00}
Product: Credit card or prepaid card

To whom this may concern, I have applied twice for a Paypal Cashback Mastercard that is issued by Synchrony bank. And I have twice been denied. I called the banking company to see the reason. And I have not gotten a direct answer as to why. My credit is in good standing and I have XXXX debt collections.
Product: Debt collection

the company is called trademark, the number is XXXX they are constanly calling my job and getting smart with me and other employees. i talked to them 2 time, and told them both time i want somthing in writing in the mail and they refuse, and wont give me that until i give them my credit card number. they have given my boss information that they should not be sharing with anyone. they have cussed at other coworkers. I looked the comapny up online and cant find them, they refuse to give me their adress. they threaten me with court papers. i am in the process of trying to get ahold of the actual comapny i got the loan from to see whats going on.
Product: Credit reporting or other personal consumer reports

I reported fraudulent transactions totaling over {$5000.00} on my XXXX credit card. After their investigation, XXXX agreed that the $ XXXX was fraudulent and reversed those charges from my account. However, they are now insisting that I pay an additional {$1000.00}, which includes interest on the previously reversed fraudulent charges. 

Despite my repeated requests, XXXX has failed to provide any proof beyond a reasonable doubt that this {$1000.00} debt is valid. They initially assured me they would contact credit agencies to remove the negative marks from my report but failed to follow through, leaving my credit negatively impacted. This ongoing dispute has lasted for over a year, causing significant emotional and financial distress. 

I originally closed the credit card after the identity theft incident, yet XXXX reversed more than {$5000.00} in fraudulent charges after the card was closed. Their handling of this situation has been unethical, as they continue to demand payment for a debt I do not owe. 

I seek justice and resolution in this matter. I refuse to pay for fraudulent transactions, and I want XXXX to take full accountability by removing the {$1000.00} debt, along with any associated negative marks on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There are Three accounts that are reporting on Transunion, XXXX and XXXX. 

I have submitted police reports and fraud affidavit reports with the disputes. They are still giving me a hard time. 




Three accounts that have inQUIRY and accounts open in my name by fraud!!!!! I did not open these accounts! I am a victim of identity Theft. 


Accounts XX/XX/XXXX XXXX XXXX XXXX showing a balance of XXXX AND ACCOUNT NUMBER IS ( XXXX ) When I called them I spoke to a women name XXXX and she stated someone opened an account in my name and the real balance is XXXX not XXXX but that doesn't even matter because this is NOT MY ACCOUNT!!!! PLEASE DELETE!!!!! 

THIS ACCOUNT IS SHOWING AN INQUIRY AND ACCOUNT OPENED! 

XX/XX/XXXX, XXXX XXXX XXXX ACCOUNT NUMBER ( XXXX ) BALANCE OF XXXX NOT MY ACCOUNT PLEASE REMOVE FROM MY ACCOUNT I DID A DISPUTE WITH ALL THREE AND ALL THREE IS GIVING ME A HARD TIME. 

I SUBMITTED A CLAIM WITH XXXX AND THEY DELETED THE XXXX INQURY BUT NEVER DELETE THE ACCOUNT. 


PLEASE DELETE ALL INQURIES AND DELETE CITICARD ACCOUNTS I LISTED XXXX XXXX PLEASE
Product: Mortgage

In late XXXX when we started having heavy rain storms, I noticed portion of the ceiling collapsed in the den area.I immediately notified PHH about this. My home insurance company denied the claim. I asked PHH for some financial help and they told me that I have to wait a whole year for a refinance and suggested a payment deferment or loan modification. During this process, Mortgage companies shouldn't report the mortgage payments as late. They repeatedly report the mortgage account as30 or 60 days late. I submitted 4 different applications and they keep prolonging the process because of me complaining to the 3 bureaus regarding my report.Today XX/XX/28 was my loan modification interview but I asked them to stop the modification appointment and process on the advice of the mortgage servicer I'm currently working with to take over the mortgage. On XXXX XXXX, They reported that the account is in Forbearance further damaging my credit. I feel that this is in retaliation for my many complaints to the 3 bureaus and the new mortgage servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have reached out to all theXX/XX/XXXX concerning inquiries reflecting on my credit report I did not approve. In this process, XXXX   provides the same reply every time and not providing the documents of how or who they spoke with to verify the information I am disputing. XXXX provided address information for the inquires reflecting my report - so far two on the inquiries mailing address was returned to the sender and not received. the other mailing addresses have not responded. 

I have enclosed a copy of the returned to the sender. 
I applied for a car in XXXX  and that car company allowed over 10 different companies to pull my credit. This car company did not ask for my approval nor provide the companies which they shared my personal information with. 

Neither of the companies which pulled and reviewed my credit without approval can not provide a signature, esignature, statement, voice recording of me authorizing this pull. Which is why I disputing the following accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 Equifax is reporting XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX  XXXX for the amount of XXXX XXXX and XXXX XXXX dollars. XXXX XXXX has sent me a letter stating that they no longer wish to attempt to collect this debt, and that the instructed Credit Reporting Agency to delete this account. XXXX has deleted this account as well as XXXX Equifax has not deleted this account as of now. 
Proof of this was downloaded into the CFPB portal.
Product: Credit reporting or other personal consumer reports

Hi My Name XXXX XXXX XXXX I contacted you about Fraud XXXX  XXXX Account I Have Provided Police Information To XXXX  XXXX Now Im Speaking Directly To You Because You Verified This Account You Said This Was Correct When I Stated Others May Have Got ta My Information Demand for Payment and Correction of Inaccurate Credit Information Dear Who may be Concerned I am writing to formally demand that you take immediate action to correct inaccurate and misleading information on my credit report, as well as compensate me for the damages and attorneys fees that have been incurred due to your failure to properly address these issues. 
1. Inaccurate Information on Credit Report As I previously reported to your company on XX/XX/XXXX my credit report contains inaccurate information. Specifically, A Fraud Account Despite my efforts to resolve this issue through the proper dispute channels, the incorrect information has not been addressed, and as a result, I have suffered significant financial harm.

2. Damages and Impact As a result of this error, I have experienced [ list any negative consequences such as denial of credit, higher interest rates, emotional distress, or other tangible damages These consequences have caused significant harm to my financial well-being and my ability to secure credit at favorable terms. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to compensation for these damages. 
3. Attorneys Fees Furthermore, I have incurred legal fees in the amount of {$500.00}, which were necessary to assist in resolving this matter. I hired an attorney due to your failure to resolve the issue through the usual dispute channels, and this cost was directly attributable to your non-compliance with my rights under the FCRA. 
4. Demand for Payment In light of the damages I have suffered, I demand the following : {$1000.00} for the harm caused by the inaccurate information on my credit report. 
{$500.00} to cover the attorneys fees I incurred in addressing this issue. 
I request that you correct the inaccurate information on my credit report and remit payment for the damages and attorneys fees outlined above within 10 business days of the date of this letter. Failure to do so will leave me no choice but to pursue legal action to seek full compensation for my damages, including statutory and punitive damages under the Fair Credit Reporting Act ( FCRA ). 
Please consider this a formal demand to resolve this matter swiftly and avoid further legal escalation. I expect to receive written confirmation of the correction to my credit report and payment for the requested amount within the specified time frame. 
Thank you for your prompt attention to this matter. I look forward to your immediate response. 
Sincerely XXXX XXXX XXXX Account XXXX  XXXX Opened XX/XX/XXXX My phone number is XXXX My Email XXXX Address XXXX XXXX XXXX XXXX XXXX Il XXXX
Product: Bank account or service

I filed my income taxes to turbo tax .I was supposed to have my refund direct deposited onto a prepaid debit card from net spend. I never received it and I called NetSpend they cancel my acardand I have not been able to receive my refund .they said they sent my refund back the IRS but I have information that it 's in an account At XXXX bank. I have a letter of reserch stating wher my funds was deposited. i just dont know how to attach the documment in this complaint.
Product: Credit reporting or other personal consumer reports

This is to express my deep dissatisfaction with the inefficiency and lack of effectiveness in addressing the presence of fraudulent items. Despite numerous attempts on my part to remove these items, I have encountered significant delays and obstacles, which are unacceptable given the severity of the issue. 

As a responsible user, I have invested considerable time and effort in flagging these fraudulent items, expecting a swift and decisive response from your team. 

I demand immediate and expedited action to remove all fraudulent items from my credit file. This includes implementing more robust measures to prevent their reoccurrence in the future. Additionally, I expect transparent communication regarding the steps being taken to address this issue and prevent its recurrence. 

Furthermore, I urge you to review your current procedures for handling reports of fraudulent activity and streamline the process to ensure that such matters are dealt with promptly and effectively. With this, I am asking for your assistance to remove these fraud items in my credit file : 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
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX  XXXX XXXX Balance : {$5200.00} XX/XX/XXXX XXXX  XXXX Balance : {$23000.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XX/XX/XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX  XXXX Balance : {$1800.00} XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX   XXXX ; The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting or other personal consumer reports

I requested the purchase agreement from XXXX XXXX, they could not provide it to me through the cfpb portal or via certified mail. I would like XXXX XXXX  removed from my credit report as they can not provide a purchase agreement as is required by the federal fair debt collection app.
Product: Credit reporting or other personal consumer reports

Accounts XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX I have identified several inaccuracies on my credit report related to collection accounts, which I believe are the result of identity theft. Despite numerous efforts to resolve these issues with the credit bureaus, the errors remain uncorrected. This erroneous information is adversely affecting my credit rating and financial stability. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to have fraudulent information stemming from identity theft removed from my credit report.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year>, I've had multiple attempts, both successful and unsuccessful, to open a credit card under my name-specifically XXXX XXXX XXXX XXXX XXXX is aware of this. 
I also had my bank debit card number stolen to use to buy a phone from the XXXX XXXX on XX/XX/year>. 
Someone has attempted to change my mailing address and phone number. This is my correct info for the past 7 yrs : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, SC XXXX XXXX I do NOT have a California address or phone number at all, nor have I ever. This keeps showing up on all of my credit reports, and it needs to be corrected.
Product: Checking or savings account

My checking account was charged XXXX $ for a transaction I did not authorize and the bank claims its listed as a preauthorized debit transaction but theres no merchant information listed for the account. This charge was clearly fraudulent. My bank account is supposed to have alerts notifying me of strange charges so I can approve or deny and I did not receive any of such notice. I am furious because my account is now negative due to pending transactions and this transaction was never listed as pending. The bank states I will have a claim submitted and they closed my debit card so all my transactions will be denied which puts my bills behind, and I may be issued a credit for the money back pending a review which will take up to 8 business days. Im a single mom with a XXXX  year old in school I can not afford to wait 8 days for a maybe decision on money I never authorized to be removed by a fraudulent company!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called this company to have these inquiries removed. I do not recognize these inquiries and I do not consent to having this false information shared on my personal credit profile. Please remove immediately as this hurts my credit reputation and livelihood. 

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

Date : Information : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I need these inquiries removed immediately