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

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report : XXXX ( NO ACCOUNT NAME ), XXXX  XXXX. Inquiries : XXXX XXXX & XXXX I have contacted my local police and the FTC. I am doing this on my behalf.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Radius Global Solutions pulled my credit report with out my knowledge or permission. I received no benefit from them illegally running my credit report
Product: Student loan

I have had student loans for approximately ten years with ACS as the loan servicer. I have had multiple issues with this company. They took my original loan amount and split it into XXXX loans. Now my credit report gets double affected when I have issues with their company. The customer service people do not speak XXXX well therefore, every call is around 1 hour long. They have to put me on hold for every question I have so they can discuss the issue with their manager. As soon as I was notified of my forbearance ending, I mailed in an IBR application on XXXX/XXXX/XXXX. I received no response as of XXXX XXXX. I called to see why no response and they stated that I had n't sent in the required documents. I had sent in my XXXX tax returns with the application. They stated that I needed to send in my XXXX tax returns. This unnecessary delay caused my IBR application to be approved on XXXX XXXX, XXXX while my forbearance had ended XXXX XXXX, XXXX. The month of XXXX has been billed at the original amount of {$380.00} and {$400.00}, too large for me to pay. I am able to pay the amounts approved of {$93.00} and {$100.00} but ACS is expecting me to pay the XXXX payment of {$780.00} ( XXXX loans which were originally XXXX ) before I can pay on the lower, more affordable amounts. ACS has done this multiple times over the years : horrible customer service, lack of responses to my applications until I call in, they have lost multiple forms I sent in over the years and now my credit has suffered tremendously due to this company I do not want to do business with. My student loans were at {$50000.00} 7 years ago, now they are at more than {$85000.00}. How can I get help with this account and have the IBR amount effective as of XXXX XXXX, XXXX so I can afford these payments? Also, how can I get XXXX single account instead of XXXX? I would like to refinance with another servicer as soon as possible. 
Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XXXX  XXXX, XXXX to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  Complaint Detail XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2024 I received an email from Card.com that my account has been approved. I had not signed up for a Card.com account. On XX/XX/2024 I emailed Card.com customer support to request assistance. On XX/XX/2024 I received another email card.com security regarding information about my card and that they were cancelling it due to not being able to verify my information. On XX/XX/2024 I received another email that my card was on its way. By XX/XX/2024 the card was in my mailbox. 

While I was receiving these emails I was also receiving calls from people at Card Services wanting to verify my identity with an old company email address I had 3 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my one of my numerous 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been told that the information that is being reported on my credit report has been sold to a different company and the original owner can't help me fix these problems because they don't have my account anymore. This has been a big issue for months now. Also my name on these files is not correct.
Product: Credit reporting or other personal consumer reports

I'm hoping you are doing well as I write this. I'm writing to say how deeply concerned I am about a fake account that was opened in my name without my knowledge or approval. The goal of this communication is to make my rights known and demand that this issue be fixed immediately. The fraudulent account in question is as follows : XXXX XXXX I am able to vouch for the fact that I did not authorize or create this account after a careful inquiry. My financial situation has been significantly impacted, and this fraudulent behavior seriously jeopardizes my personal safety. 
I must emphasize how urgent this situation is and how prompt action is required to resolve it. If left ignored, the bogus account in question will likely hurt my financial future and severely harm my credit record.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX I sent 3 certified emails to each credit bureau XXXX, XXXX and XXXX stating my credit report has incorrect info. I paid The credit Team for a play book on how to dispute misinformation on credit reports and they sent me a packet which included letters to send to credit bureaus. Which stated that according to 15 usc 1681 : ( 5 ) that they are required to update and modify the details of each account listed and according to 150 sc 168.1 ( 5_2 that its a {$10000.00} per violation for non removal of incorrect information. 
There is XXXX XXXX  debt which has been paid due to homelessness and wasn't to be on report due to the Law. 
There is XXXX XXXX XXXX XXXX account {$480.00} which i don't have XXXX  has phone which i disputed with you and XXXX  so they know I don't have phone I have proof it was mailed certified Mailand they signed for it, XXXX  phone removed the debt then a year later XXXX XXXX which phone was from came back and lied on credit report stating I have possession of the phone which I'm with credit and use XXXX  phone.wow.Also XXXX  phone/internet for {$300.00} this is defiantly not my account I have been homeless for a year so who ever moved into that hose XXXX has acquired that debt, that lives in the hose, I have not use XXXX  for over 15 yrs and when I was in the home I used XXXX I only use XXXX internet service, I filed 3 disputes and they all refused to removed the false information and now they locked me out of my accounts so I cant freeze them are anything, they refuse to accept post office box for address but I'm homeless and dont have XXXX address. " I don't know what to do I paid companies to help me and now im loosing money, and most important to to bad credit reporting on my credit I cant rent apartment are homes because of bad credit, also my student debt was erased but XXXX debt collecters picked up {$86000.00} from XXXX " This is a major cause of homelessness. " all the apartment and projects housing programs XXXX XXXX was due to my credit report '' I cant even prove my Identy because it has been stolen and Im on the XXXX web a person XXXX XXXX hacked my XXXX  account also my phone number, so who can you trust, No One I have for help to no avail.. Please help me Thank you
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance {$340.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX Balance {$9000.00} Open Date XX/XX/XXXX XXXX Balance {$18000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$500.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$310.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXXXXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX
Product: Debt collection

Wakefield And Associates and XXXX XXXX XXXX are falsely reporting a debt that I do not owe. I have no ideal about either of these accounts.
Product: Student loan

Dear CFPB, I am requesting assistance with my Navient loans. I am a full class member of the XXXX XXXX XXXXXXXX case which was the dismissal of my federal student loans and interest based on an approval of my borrowers defense for a scam school. The Dept of Education had Navient process the discharge of {$73000.00} on XX/XX/year>. However, Navient still shows a remaining balance of {$17000.00} which they are not able to tell me what the balance is for. Also, I have attached my payment history where I have made a total of {$18000.00}. This amount should have been applied to my balance. I have reached out to Navient regarding the payments I have made and they have not been able to tell me why my payments were not applied to my balance. Navient referred me to the dept of education but the DoE does not have access to private payment information made to Navient. I would appreciate any assistance. I feel that as a consumer, the company should provide me with details of what they are charging me for. I am willing to pay whatever balance i owe if i know what it is for and after my previous payments have been applied. 

Thank you, XXXX XXXX XXXX Navient account # XXXX Borrowers defense # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against USAA Federal Savings bank for their failure to respond to a dispute I sent to them over 30 days ago. I believe they are in clear violation of the law as per 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.which requires them to report my credit utilization accurately. 

On XX/XX/2022, I submitted a dispute to USAA Federal Savings bank regarding inaccurate reporting of my credit utilization. However, I have yet to receive any response from them regarding my dispute. This is in clear violation of the Fair Credit Reporting Act, which requires lenders to investigate disputes and respond to them within 30 days. 

I have attempted to contact USAA Federal Savings bank multiple times, but have not received any response. I am concerned about the impact this inaccurate reporting could have on my credit score, and I believe it is the responsibility of the bank to rectify the situation in a timely manner. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that USAA Federal Savings bank complies with the law. I also request that USAA Federal Savings bank provide me with a timely response to my dispute, and take corrective measures to accurately report my credit utilization. 

Thank you for your attention to this matter.
Product: Mortgage

Hello my name is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. The last 2 years I have been a missionary in XXXX XXXX, XXXX & XXXX. Im in the process of selling my home the above address is my friends home that I use as my new address. The problem Im having is that this last year again they put my home in the flood plain, this has happened before at least 3 other times and within a few months they removed me from the flood plain, I live 7 miles up hill from the XXXX river. The problem I have is I never got any notice of the change in the flood plain. My mortgage company took out a flood insurance but Bank of America took out one also because I had a home equity loan for around {$700.00} and I paided it off three weeks ago which my final balance was just under {$500.00}, this is when the cashier asked me when would I pay the rest, thats when I found out that they put a force flood insurance on my home because I never replied to them. When I tried to clear this up they said that BofA needed to be on my mortgage for the to remove it, but I then found out that my mortgage company and BofA would not put either on each others policy. The funny thing is BofA sold my mortgage to my mortgage company XXXX XXXX ( was XXXX befor XXXX XXXX. XXXX XXXX suggested that I buy another policy with both names on it too clear up the problem, I guess that money grows on trees. 
XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX, ins. XXXX, {$660.00} Bank of America account # XXXX, XXXX, ins. # XXXX, {$770.00} Total for both {$1400.00}, Im a poor missionary, XXXX Vet, and will only receive {$3000.00} or even less at closing. Your help in this matter would be greatly appreciated. God Bless
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate address information that appears on my credit report and to report this as a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 This erroneous reporting not only misrep

resents my current address but also fails to comply with the obligation to ensure the accuracy and integrity of consumer information under the law.

The specific outdated address in question is I have never resided at or used this address, or it no longer reflects my current information. Pursuant to 15 U.S.C. 1681i ( a ), credit reporting agencies are required to investigate disputes regarding the accuracy of reported information. Additionally, failure to ensure accurate information violates the provisions of 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain reasonable procedures to assure maximum possible accuracy of consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello i have submitted multiple letters to Experian and XXXX regarding this collection account which is in violation for reporting inaccurately. and by law if the account is in dispute, they must provide notice of dispute in the comments section before a XXXX period after receiving my first dispute. Experian has received my XXXX dispute letter on XX/XX/XXXX and i will submit proof of tracking number to show proof of that. they have broken the law under the FCDPA and the FCRA as nowhere on my account does it say that consumer disputes this account or account is in dispute. please help me resolve this issue as i have tried multiple times to settle this with the companies and they continue to negligently non comply and will fully non comply. They are in violation pursuant 15 USC 1681s-2 ( 3 ) and 15 USC 1692e ( 8 ).
Product: Debt collection

I have asked 6 times for this company and the collection company before them to provide verification for the account with balance that is incorrect and proof of receipt that the goods was delivered. I have not been successful with any resolution or response. When I got online to file a dispute with XXXX, XXXX XXXX and XXXX I have no success as well.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

My brothers and I have CD 's left by our father that were purchased from Wachovia in XXXX Georgia back in 2007. When he pasted away a few months ago, we went to Wells Fargo XXXX knowing Wachovia was bought by Wells Fargo XXXX to collect on the CD 's, they said there was no records of the XXXX accounts. Wells Fargo told me that CD accounts should have transferred over to their system, but my father 'might ' have cashed out the CDs a few years ago, and that 's why it 's not in their system now. 

We 've asked Wells Fargo to please provide us with some sort of record that the CDs were cashed out, but they are not able to provide us with anything, saying again they show no records of the CD accounts. 

My brothers and I still have the documents for the CDs, with account numbers and purchase date from Wachovia, but we are wanting to know how do we find out if the CDs were REALLY cashed out, or if accounts just went to another bank when Wachovia was bought out. Please let us know if the account number, or copy of the CD documents are needed. 

Any information will be much appreciated. 
Thanks,
Product: Debt collection

ATTENTION TO XXXX XXXX XXXX I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1400.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XXXX of 2016 I have never done business with this company an it has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN or CREDIT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

These agencies are reporting fraudulent information because they obtained these by, or involving deception, especially criminal deception. Also the data they are reporting is not accurate, outdated and untrue. Please remove these immediately
Product: Debt collection

On XX/XX/year> I received a different collections notice from Credit Collection Services stating that they are a debt collector attempting to collect for XXXX XXXX XXXX. I already have a complaint in your system against this Collections company. When I opened the letter I saw that the letter was dated for XX/XX/year>. I do not know how this debt collector has my insurance and continuously keeps harassing and intimidating me into paying a debt that is not mine. I can only assume that someone has given them my personal information. Just as my first complaint about XXXX XXXX, it is very similar to this and it seems that this debt and these insurance companies have a system of fraud in place, whereby, the attempt to pressure people into paying debts that are not theirs by the threat of ruining their credit. Enough is enough! I have had all I can mentally take and I attend to use every legal means available to remedy the situation so, again, I'm my new complaint. 
Please, take note of when I received the notice which was XX/XX/year> but the letter is dated to make it appear as though I received the notice in XXXX. They seem to be attempting to cover their tracks by having no debt stamped on the envelope as well. 
Thank you, very much for your assistance.
Product: Credit reporting or other personal consumer reports

I'd an account reinserted on my consumer file that's been deleted for inaccurate information. I was not notified in writing of reinsertion of 5 business days. This clearly violates Section 1681i ( B ) ( ii ) Notice to Consumer which violates FCRA & my consumer rights.
Product: Mortgage

In 2023, I was confirmed as the Successor in Interest ( SII ) by my mortgage servicer, Truist Bank, after submitting a valid Affidavit Without Probate that was accepted and recorded by the XXXX XXXX XXXX XXXX XXXX XXXXn Nebraska. This legally transferred the property to my name under Nebraska law. Truists legal department accepted the affidavit, and I was added to the loan as an authorized party. 

Since then, I have applied for a COVID-19 FHA loan modification four times and submitted two formal appeals. Each time, I was denied for varying reasons. Most recently, Truist and HUD are now claiming that I was never properly confirmed as the SII and that I must go through probate. This contradicts both state law and HUDs own Mortgagee Letter XXXX, which allows for non-probate transfers if permitted under state law which this is. 

There is no legal dispute or court case. I am the sole person listed on the recorded deed, and there are no competing heirs or probate actions. HUD has stated they can not assist until probate is complete, even though it is not legally required and directly contradicts their own guidance. 

I am requesting CFPB investigate Truists handling of this case and HUDs failure to ensure policy compliance. I am being denied access to FHA Covid relief I am eligible for, and I am at risk of foreclosure based on incorrect application of both state and federal policy.