23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, 2017 efforts were put underway to begin a loss mitigation option for the U.S. Bank loan # XXXX with the property owners, XXXX and XXXX XXXX. As their listing agent was asked to begin communications directly with US Bank on XX/XX/2017 after the property owner had been in contact with an XXXX XXXX at US Bank since that XX/XX/2017 date. US Bank was, at that time, willing to look at a loss mitigation option of a short sale. See attached email thread showing that conversation. An offer that exceeded the appraisal value that US Bank had shared with the property owner of {$25000.00} was submitted to US Bank on Thursday, XXXX XXXX, 2017. At that time XXXX XXXX was out of the office and one of her co-workers, a XXXX, was handling her files. The offer was seen in the US Bank system on XX/XX/2017 but was not yet being processed. We followed up with a call on XX/XX/2017 to check on the progress of the offer after XXXX XXXX had returned. On that date I initially spoke with a XXXX who curtly informed me that the loss mitigation options were being denied for an undisclosed reason and that a subpoena from a court would be required to get the reason why this was happening to be disclosed. I immediately emailed XXXX XXXX and she returned my email with the following statement : " Good afternoon, She was correct, at this time we are unable to extend loss mitigation options including modification or liquidation options on the account. This decision was not a result of the underwriting/negotiations review which would not fall under the acts you mentioned. This was a result from an internal bank audit and a subpoena would be required to obtain the bank confidential information that lead to this outcome. Because of the audit, we were unable to proceed with the review and the file is being processed for denial. The borrower would need to obtain funds to provide a full payoff in order to release the lien and avoid further foreclosure action. '' XXXX XXXX Relationship Manager | Default Counseling | Mortgage Servicing p. XXXX ext XXXX | XXXX XXXX | XXXXXXXXXXXX | Hours : Monday-Friday XXXX-XXXX EST U.S. Bank XXXX | www.usbank.com There is, we believe, a requirement for any lending institution foreclosing on a property to disclose any reason or cause as to why the loss mitigation option being processed was denied. US Bank is refusing to disclose that reason unless ordered to by a court. That 's not right.
Product: Credit card or prepaid card

I applied and was approved for two credit cards with chase. 1. A Chase XXXX XXXX XXXX 2. Chase XXXX XXXX XXXX. The first was applied for and approved on XX/XX/XXXX and the second was applied for and approved on XX/XX/XXXX. I  informed Chase that I would be traveling in XXXX from XX/XX/XXXX to XX/XX/XXXX.  I was offered rush delivery in the XXXX XXXX and was delivered to me before my departure date. On XX/XX/XXXX I received a message that my chase card had been removed from XXXX XXXX. I then logged in and found that both accounts had been closed despite me being on travel. I called Chase and was told that the risk analysis department had closed my accounts without any warning. I had not used more than 15 % of my total available credit and was mostly on food and travel. I was also charged the {$450.00} annual fee and had the card less than 10 days.
Product: Vehicle loan or lease

XXXX XXXX XXXX  was chosen by XXXX XXXX  to finance the car. XXXX XXXX committed fraud on some things, but that's another issue. Car was purchased in XX/XX/XXXX, ai believe.

In XX/XX/XXXX, the car was totalled by hail. It had comprehensive insurance and also gap insurance. XXXX continued taking payments of XXXX automatically from my account, finally stopping only when I paid XXXX to stop paymenta. XXXX removed 3 payments after the car was totalled.. They then received full pay off by XXXX XXXX and my GAP insurance. For the value of the loan on the day of the storm loss.

I have made multiple contacts and get a different story everytime. No one will account for where my money is or get me my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a new hard inquiry on my credit report from CitiBank for an automotive loan that I did not initiate. 
I called CitiBank to dispute and was told they do not have an auto loan dept and would not have pulled my credit. They also stated they could not tell me who did because I do not have an account with them.
Product: Student loan

XXXX XXXX transitioned loans to XXXX for all my loans. Where I had paid half my principle, XXXX never reflected any payment balance and refused to acknowledge previous Loan payment history the dept of education could clearly see. XXXX also changed my payments to interest only without my approval. I confronted them through the dept of education ombudsman who advised to reorganize back through dept of ed, find a new lender or settle/work with XXXX. XXXX requested $ XXXX. They refused to negotiate or accept payments were made from XXXX XXXX or AES, nor did they ever prove I accepted interest only and refused to make changes to my loan. I found a XXXX party, XXXX XXXX, changed to XXXX, who made an agreement where I pay them to file my loan forgiveness for XXXX ( former XXXX and XXXX ) loans, put the loan into forebearance while being processed and deal with Navient. I have executed documents on XXXX. They took my money and never processed, so XXXX defaulted, knowing the document was being processed with dept of ed. PHEAA took the loan at full value, refused to accept payment history and added $ XXXX for processing fee, knowing full well the were negligent and demanded full payment and ruined my credit. I request PHEAA be investigated. They declared I owe them over $ 100k. They refused to accept payment history dept of ed and AES see in my loan records. I told them in writing and their collections call my family nonstop. I plan to renegotiate under the dept of education.
Product: Credit reporting or other personal consumer reports

Each charge off account on my credit report are showing a past due balance which is a violation and I want the accounts removed immediately from all my credit reports or legal action will follow for each credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove all the outdated mailing address off my personal credit exempt the address on my driver 's license I do not live at the other address my personal information is being sent to other people houses my information can be stolen they did not update my address and delete old ones they did not sent me a letter within 30 days Remove address XXXX XXXX XXXX  XXXX LA XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX LA I don't live nor have I lived in those places remove immediately
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Equifax for its failure to comply with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681I. On XX/XX/year>, I sent a letter to Equifax disputing multiple inaccuracies on my credit report, which are negatively impacting my credit profile. Despite being legally required to respond, verify, and provide proof of these accounts, Equifax has failed to do so in the time prescribed by law. 

In my letter, I requested the removal of the following inaccurate accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite their obligation to provide a timely investigation, Equifax has not responded or removed the inaccurate accounts. According to FCRA, Equifax must : Notify the data furnishers within 5 business days of receiving my dispute.

Investigate the inaccuracies and correct or verify them within 30 days.

Provide written notice of the results of the investigation within 5 days of its conclusion.

This is my second attempt to correct these inaccuracies. I have spoken with a CFPB representative, who advised me to file a complaint if Equifax did not remove the inaccurate accounts. Additionally, I have retained legal representation to pursue action against Equifax for violating the FCRA, FDCPA, and for defamation of character.

I kindly request that the CFPB initiate an investigation into Equifaxs failure to comply with 15 USC 1681I and take the necessary actions to ensure these inaccuracies are removed from my credit report in accordance with federal law. 

Thank you for your time and attention to this matter.
Product: Debt collection

I was a victim of identity thief when my car was broken into in XXXX XXXX la. I have tried to submit the police report to XXXX and disputed through credit agency. When I call numbers for XXXX, companies have different names never the same. They are trying to sue me I have yet to receive any information from them other than courts. If they would talk with my and answer my disputes with request for information so that I can forward the police report this would be easier to handle. I dont know if this is a really company or scam. I need a correct number and address.
Product: Credit reporting, credit repair services, or other personal consumer reports

AmSher Collection Agency continues to report to XXXX that I have an outstanding collection item with them. This was resolved in XXXX. I have disputed this with XXXX   and with AmSher, but they refuse to remove this collection account for {$980.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS DO NO BELONG TO ME, PLEASE BLOCK AND REMOVE ACCORDING TO 15 USC 1681C-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX
Product: Credit card

On XX/XX/XXXX at approximately XXXX central time, I was notified by text message from capital one that there was possible fraudulent activity on my XXXX for {$750.00} from XXXX . I immediately came home from work and called capital one and advised them that i had not made this charge and had no idea who the establishment was. As we were talking, they advised me that the transaction had been submitted several times and it finally went through as pending. At the same time, they said other transactions were occurring on my card XXXX buying a pizza transaction. So, I immediately told them to cancel the card and they would issue me a new card with a new account number and conduct a fraud investigation. On the XXXX of XXXX, i saw that the charge was reversed. On XXXX XXXX at XXXXXXXX XXXX local I was notified by capital one that after researching my cause they found insufficient evidence of fraud. So i have spent 8 hours today XX/XX/2023 trying to resolve the issue. First talking to XXXX at capital one fraud department, and then being transferred to the supervisor XXXX at capital one fraud department, that notified me since the merchant had my address, name, email, and account information that they are considering this a legitimate charge. I asked them to send me the complete investigation which they told me will take 2-3 weeks. As a 100 % disabled combat retiree XXXX XXXX, {$750.00} is a lot of money to a retired disabled person. Please investigate this to the fullest, for I am notifying everyone in the military that our banking system and credit cards are not secure. And XXXX 's statement of XXXX fraud liability is a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see remarks on my closed Bank of Americs credit account. I agreed to pay balance in full in exchange for negative remarks to be removed from my credit file and so the account would show as paid in full. I filed a dispute so Bank of America could update my credit file and they did not. I called customer service directly to have the credit report updated and they said it would be updated to paid in full and it hasn't been updated. Instead my account is showing paid less than full balance, which is inaccurate.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Bank account or service

I submitted a bill pay on Navy Federal were they mail the updated the account for with confirmation number and paid XXXX call me stating that did not pay the check then I did the up the system that it was paid and did not pay it. Did they update their banking system with fraud and misleading information and then want to hold the member responsible for the misconduct Navy Federal Credit Union need to be investigated and all misconduct and management done staff or management should be convict according to United States Federal Regulations
Product: Debt collection

I have an outstanding debt to XXXX University. The last information I received from XXXX University is that I owed approximately XXXX for a debt for courses that I took at the university. I called Key Recovery and asked about the debt in XX/XX/2017. I was told I owed XXXX. I asked why was there a difference between what I owed XXXX and the amount that I was quoted. I was not given a response and I was not sent a written copy of the bill that included the extra charges and what they were for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I submitted an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure the reporting was 100 % correct. In accordance with the Fair Credit Reporting Act, all information listed on my credit report has to be 100 % accurate on said mentioned report, Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurately
Product: Credit reporting or other personal consumer reports

Dear TransUnion I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

XXXX : Account number : XXXX, Please remove it from my credit report. 


My SSN : XXXX You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 

My date of birth is DOB : XX/XX/XXXX. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


Thank you, in advance, for honoring my requests. I would like an updated version of my corrected profile as soon as you have deleted the inaccuracies Ive listed above. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has an account open on my credit report on XX/XX/XXXX. The XXXX XXXX on me was filed in XXXX. They refused to send me the letter from the XXXX and keep saying it mine
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I have not been able to access my coinbase account since 2018. Followed all instructions multiple times, verified my Id and everything.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I sent a certified letter to Experian on the removal of of hard inquires on my credit report in accordance to 15 U.S.C. 6802-6805 Gramm-Leach-Bliley Act ( GLBA ), as well as correcting my personal information. As of yet these corrections have not been made and is impacting my consumer credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I started receiving alerts from XXXX and Equifax that a collection was added to my credit report from XXXX XXXX in the amount of {$1200.00}. I have never heard of them, was never notified by them in ANY form in regards to the inaccurate information they put on my credit report. The inaccurate information on my report says the they are a debt buyer who has this item listed me as individual responsibility which is incorrect. It also says the credit limit is {$1200.00} which is incorrect, I had no credit limit with them. It also says terms are for 1 month which is incorrect. It also says date of status as XX/XX/XXXX. According to the Fair Credit Reporting Act, anything reported on my credit file MUST BE ACCURATE IN ITS ENTIRETY OR BE REMOVED. THE FAIR CREDIT REPORTING ACT STATES ANYTHING THAT IS INACCURATE, INCOMPLETE OR THAT CAN NOT BE VERIFIED MUST BE REMOVED. XXXX XXXX, Equifax, XXXX  has violated my consumer rights in a scare tactic to force me to pay them monies they are not owed. I do not have any business with them nor did I authorized any company to sell or use my social security number to access my credit file.