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

there is a item on my credit report that i can't identify and have tried to dispute the item but is having a hard time doing so with equifax, nor can i get the original contract or documents to prove accuracy of this item it's on my credit report from XXXX XXXX XXXX {$1300.00} i'm in need of information so that i can prove ownership
Product: Checking or savings account

On XX/XX/31 I was robbed at a Citibank location, two men took my debit card within 2 minutes went over to the teller and was allowed to withdraw {$1900.00} from my account. I did not notice until XXXX and went to the bank on XXXX, after the holiday to report. I filed a complaint with the fraud department, I filed a police report and an investigation commenced, Citibank denied my claim stating that I allowed the transaction when the police department have video of the robbery and has started an investigation which the case is now with the XXXX XXXX XXXX XXXX of the XXXX XXXX, XXXX NY. 
I submitted an appeal to Citibank with a copy of the police report and affidavit which they provided for my signature and was denied for the second time. The fraud department have been super rude and have not given me any information. 

I am an elderly person of XXXX XXXX XXXX and was targetted in a brank of Citibank and robbed of my money which I need to pay my bills and I believe that money should have been returned to me under the banking laws.
Product: Credit card or prepaid card

I got a copy of my credit report a few weeks ago and noticed there was a Citi Bank shell credit card open on it, that was delinquent. I requested a theft investigation from Citi bank. They were unhelpful and would not listen to the information that I was telling them. I specifically told them that someone had opened a bank account under my name along with some other accounts. That person or persons was using my identity to make payments on the shell credit card. Citi bank responded in saying that they were unable to remove the credit card out of name due to being able to verify the debt to myself. I never opened this account it is not mine. Citi bank is telling me that my phone number matches there records. I do not see how that is possible. I never got any phone calls from Citi Bank regarding this. My phone number is XXXX. Also, whoever opened up a checking account under my name was using that account to pay for the shell credit card and XXXX XXXX credit card. Citi bank approved my claim on the XXXX XXXX  account ( see attached letter for proof ) however they would not approve the theft claim on the shell account. Makes no sense! I have provided a signed attached statement, along with a police report. I do not know what else further I can furnish to prove that these accounts are not mine. My SSN is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1200.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$4900.00} ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Mortgage

They trying to change the term of the loan agreement I have pay my insurance and my taxes separated and they forced me to get the insurance together with the mortgage I been having making payment on time I have receipt and they send me a letter telling me that I am behind  XXXX  and if I do n't pay in 30 day they will trying to do forcloure and I call them and know they said it 's a mistake that they will let me know later how much I owed them I want them to stop forcing me to have the insurance and mortgage together and explain to me in details all my payments we never received details of my payment
Product: Checking or savings account

Been trying to officially closed down an account with Citibank but they are saying due to fraudulent activity they cant close it down. Its been over two years and just today I called and they said it will take three years for it to be closed all the way because of an investigation. Nobody is giving me answers, everyone in the fraud department is very rude and always hangs up in my face. I need some actions ASAP because I cant even open a new bank account because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I purchased a new Vehicle from  XXXX XXXX. I was informed by the salesman that I was denied by them " the XXXX Dealership '' but they send customers that don't get approved by them to XXXX XXXX XXXX. They are less strict when it comes to approving clients for Auto loans. So the salesman submitted my application to XXXX XXXX XXXX and I was approved for the Auto Loan and I received my Brand New Vehicle a few weeks later after all the additional options were added. 

After making 6 on time payments I wanted to see the positive affect on my credit report and try to obtain a personal loan or credit card. Well after filling out for a monitoring service I noticed that my score actually Dropped and I was denied because of too many credit inquiries. I noticed a HUGE AMOUNT of unauthorized Credit Inquiries. After hours upon hours of investigating what these inquiries were, I figured out it was the Salesman that took my credit report info without my consent and blasted it off to Multiple different financial institutions that conducted hard pulls on my credit. We only agreed to Submit my Application to XXXX XXXX XXXX. 

This was done without my consent and this is a violation of the Fair Credit Reporting Act. 

I contacted XXXX, Equifax and XXXX  and I explained to them that these inquiries were unauthorized as I did not fill out any applications with these banks and that my information was submitted to them without my consent from the Auto Salesman from XXXX XXXX where I purchased my vehicle. The only Bank I filled out for was XXXX XXXX XXXX which currently holds the lien against the vehicle. 

All three credit bureaus told me to contact the banks and ask them for a letter of deletion. They cant remove the inquiry. I explained to them that this is a violation of the Fair Credit Reporting Act because it was done without my consent and if they can " POST '' this info they can also " REMOVE '' it. 

I continued to get the run around and was told I need to contact all the banks that pulled my credit. 

Some banks had phone numbers. Some Did not. I contacted the Banks that I could and the best results i received was to contact the credit bureaus because they don't give out letters of deletion! 

I attached a screen shot of my report that shows the Unauthorized Inquiries that I told the Credit Bureaus about. I have circled the ALL the Inquiries that are unauthorized
Product: Debt collection

We had a first and second mortgage with GMAC and in XXXX we negotiated a loan modification on both loans. We were making payments on both loans at the time. 
In XX/XX/XXXX our first was moved to OCWEN Loan Servicing, LLC, which appeared to be in advance of GMAC closing. In XX/XX/XXXX we requested and received a second loan modification on our 1st mortgage through OCWEN. 
During this time, ( between XXXX and XXXX ) we stopped receiving statements concerning our second mortgage, we called GMAC and we were told our 2nd mortgage was written off by a GMAC representative over the phone? 
We continued making payment on our first, but were unable to locate or pay someone for our second so we assumed that this write-off was part of the XXXX loan modification. Since then our first has moved to XXXX XXXX and now XXXX XXXX, XXXX. 

We assumed that the write-off was true because the 2nd is currently not on my credit report, although the transfer of our first mortgage to OCWEN to XXXX to XXXX are all listed back to XXXX? We now understand a mistake was made by GMAC or us but being charged interest and penalties ( late fees ) for a loan that was not being serviced is unfair. 

We were surprised when several years later ( late in XXXX XXXX a company named XXXX XXXX, XXXX called about the 2nd mortgage and told them that GMAC told us that it had been written off and they stopped calling? 

Now - 2nd Chance Mortgage trying to collect on this old debt, sent one request to bring this debt current in XX/XX/XXXX and we responded in XX/XX/XXXX that we were under the impression that this loan was written off several years ago and their subsequent response in XXXX was " no '', and with that answer we received a notice of foreclosure within a few days. I hired an attorney to attempt to negotiate a remedy and they refused any offer to compromise on this debt. It appears 2nd Chance Mortgage uses this foreclosure technique to scare people to collect on these old debts and also collect on what they call accrued interest and penalties which they have not earned? It appears that 2nd Chance Mortgage has been lying in wait until property values improved and now are holding people like us hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened? 


I sent a letter XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE ANS SEND ME THE RESULTS. 

And they also did not even record the current status of the disputed information which is another violation. 

I have all the evidences attach below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX : XXXX, beneficiary have sent out cease and desist letters to Experian along with debt validation letters. Today XX/XX/XXXX I still have 3 HARD INQUIRIES and LATE PAYMENTS that has yet not been removed, due to not having a wet signature or any consent in that nature, they have continued to not follow up with my letters nor remove what was demanded to be removed from my credit report. These being reported has brought my credit down tremendously. My family has not been able to get approved for a car, house or anything thats needed to get through life. I have been turned down getting approved for anything and its causing stress to me and my family, giving me hard times. 
INQUIRIES : XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX LATE PAYMENTS : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX : XXXX In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PHH Mortgage acquired my mortgage from XXXX Mortgage XX/XX/XXXX. When the loan was acquired the payment for XX/XX/XXXX was not credited to my account. The escalation manager told me that if I could provide a bank statement to show the payments were made, he would credit the account and remove the late fees. On XX/XX/XXXX, I provided bank statements to the PHH mortgage escalation department via email that showed a payment each month to PHH from XX/XX/XXXX thru XX/XX/XXXX. XX/XX/XXXX the late fees were removed from the account. I applied for a mortgage refinance on XX/XX/XXXX because my XXXX mortgage is scheduled to close out XX/XX/XXXX. The refinance was denied because my credit report showed I have 30 months of late mortgage payments. Around XX/XX/XXXX I informed PHH of the issue and they sent me a letter that stated the payment for XX/XX/XXXX was missing. I told them that I submitted my bank statement as proof that the payment was made and the late fees were waived. I was then informed that I need to submit a copy of the credit reports to them. So on XX/XX/XXXX I submitted a copy of my credit reports to the customer care email. Approximately a week later they uploaded my payment history to XXXX but did not correct the late payment status. I was again denied a refinance loan by PHH mortgage and another lender because of the late payment status. XX/XX/XXXX I spoke to a credit manager at PHH and was told I had to fax my bank statements to them, so I faxed them my bank statements that day. I followed up with a phone call a week later and PHH would not discuss the status over the phone. I had to call them once I received their decision letter. On XX/XX/XXXX I received a letter dated XXXX that stated the payment for XX/XX/XXXX was missing. I called XX/XX/XXXX and spoke to an escalation manager and was told I had to resubmit my bank statement and highlight all the payments. I informed her of the history and emailed the bank statement with the highlights she requested. I was informed it will take XXXX business days for a resolution. Mean while XXXXPHH who can see my history will not approve me for a refinance, despite knowing the issue and the fact that I am current with payments for both mortgages. The main mortgage is showing current since XX/XX/XXXX which doesn't make sense. I'm currently trying to refinance with a credit union. Praying they will approve everything.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my ONE OF MY NUMEROUS REQUEST for you to remove incorrect and inaccurate information from my personal credit report. I received no response to my most recent complaint dated XX/XX/2023. It is my understanding of the law that you must complete any request for reinvestigation within a thirty day time frame. It has been well over 30 days! I have included a copy of my original letter for your records as well as mine and also I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. Please take immediate action to rectify these issues. The following information needs to be investigated as soon as possible : TOYOTA MTR XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX  Dear XXXX  Dispute Department, I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). 
Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Incorrect Reporting of Monthly Delinquencies ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The account was opened in XX/XX/XXXX, yet it is being reported as delinquent starting in XX/XX/XXXX and continuing every month into XXXX. 
Since this is a collection account, new monthly delinquencies should not be reported after the initial charge-off or placement into collections. 
This misleading reporting artificially damages my credit score and violates 12 CFR 1002.4 ( a ), which prohibits furnishing false or misleading information.

Contradictory Account Details ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The balance history shows no payments, no scheduled payments, and no updates to the balance from XX/XX/XXXX through XX/XX/XXXX, yet the account is still marked as having ongoing missed payments. 
If no payments were due after the charge-off, then reporting continuous missed payments is factually inaccurate. 
This violates 12 CFR 1002.6 ( b ) ( 6 ), which requires creditors to report only accurate and verifiable information.

Failure to Update Account Status Accurately ( 12 CFR 1002.10 Furnishing of Credit Information ) The credit report states that the original balance was {$720.00}, and the current balance remains {$720.00}, meaning no payments or adjustments have been made.

However, the account is still being marked as newly delinquent each month, even though it should only reflect the original collection entry date. 
This failure to maintain accurate records violates 12 CFR 1002.10, which mandates that creditors update and report credit information correctly.

Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information states that credit information must be accurate and updated. The erroneous reporting of new delinquencies violates this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly disclosed. This reporting error constitutes an adverse action that has not been properly communicated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX XXXX Balance : {$2700.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

I XXXX XXXX walking to a drive time a few days ago I asked lady at the desk which identified as a general manager which later I found out was the assistant general manager her name is XXXX XXXX. but I asked her if drive time participates in truth and lending she said that truth and lending was a tick tock bad I informed to her that truth in lending was an actual act instead of laws that all dealerships must abide by because you guys all participate in it she then told me that if this is a way for me to try to get out of putting in a down payment for a car she won't be able to help me I told her that the down payment if not covered in the finance charge will be the determination of the finance charge however I'm coming in to make a consumer credit transaction I do have credit I was pre-approved so I know that I have the credit to purchase a vehicle without being discriminated against however this woman treated me like I was a child proceeded to raise her voice and cause a scene as if she wanted people to look at me like I was some lawbreaker or I shouldn't have the confidence and self love I should have for myself because she deems in necessary to break me down in front of all the society because I wanted to conduct a business transaction with a business and utilize the truth in lending laws I'm aware that a down payment is a decision of the creditor the bank is not the creditor the duties and obligations of a bank are to borrow money I'm a lender I'm a creditor and I came to lend in exchange for property however I was discriminated against for trying to conduct business within the lines of law and not fraud
Product: Credit reporting or other personal consumer reports

When I tried to put in for a loan my bank informed me that they could not pull up my Equifax report. I don't have a freeze or a lock on my credit file however I did call and question Equifax and they told me that I did have a freeze. I have sent them all the information and still to no avail. I really do need this freeze off of my file so that I may move forward with my bank loan process.
Product: Student loan

I took out multiple loans over the course of my 4 year college education. I had no idea how predatory these loans were and the harm I was doing to myself in the long term. When I graduated I owed {$32000.00} between different subsidized and unsubsidized loans. Not knowing what I was doing or what I had set myself up for I defaulted on all my loans and eventually owed over {$63000.00}. I was put on a rehabilitation program and after a lot of time and money, I have my loans down to {$41000.00}. Navient provided no assistance throughout this process and I 'm currently on an income based repayment plan because of a third party company. For years my payment was about {$210.00} and my interest monthly was {$180.00}. I was throwing pennies at this mountain of debt with no end in my lifetime. I imagine this dark cloud of debt hanging over me for the rest of my life. 6 years after graduating college in XXXX, I owe nearly {$10000.00} more than I did.