23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My home caught on fire in XX/XX/XXXX, I had to be relocated under temporary housing, I had applied for a 6 month forbearance on the home which I received, there were payments that were misapplied on the home to past due payments and not the forbearance, when I tried to point out the fact that I did pay them nothing was done and instead of being able to go into a modification at this point they closed my account in the Loss mitigation department. I then applied for a Modification of the loan at this time there was not a foreclosure date or process started. The loan modification was submitted in XX/XX/XXXX, I emailed all of the documents required to them even though my previous documents were still valid, One of the representative kept insisting that I had to send my divorce documents even though the house was purchased after the divorce, they were asking for bank accounts for my contractor since there was money moving back and forth from the LOSS DRAFT and then they were trying to obtain bank statements from another party that loaned me some money that banked at the same bank as myself, I finally got this resolved and my file was submitted for a loss mitigation review for a modification, after 30 days I contacted the loss mitigation representative and was told there was no answer back and the my file was pending review, I waited a few more weeks and was told the same thing. then two months later I get a notice that a foreclosure sale date was set on the house. I called and complained and told them that under the CFPB guidelines that they could not while in review of a loss mitigation place a foreclosure sale date, so they postponed it I was informed to XX/XX/XXXX, I called them and told them that I needed to find out the status of my review they said there was no response this went on until XX/XX/XXXX when they finally they said I was approved. this was 7 months later, escrow fees and payments were adding up causing more damage. By this time I found out that I could actually reinstate my mortgage so I called to get a reinstatement letter but no one would help me they kept telling me at CHFA that I had to call foreclosure so I would leave them messages and would not get a call back. I spoke to a number of agents in the collections department who refused to have someone internally help me and they just kept passing me to foreclosure who did not respond, Today I actually called the foreclosure attorney at XXXX XXXX and found out that the foreclosure sale date in fact is not for XX/XX/XXXX but XX/XX/XXXX. I have been trying to reinstate my loan for over a month now and can not get anyone to assist me. Today the attorney told me I needed to file an intent to cure with the Public Trustee, this is for a full payoff not a reinstatement. I am not paying the loan in full I just want to bring the payments current. The attorney I spoke with said that she would put the numbers together for the reinstatement but that would take a few days. I am at risk of losing my home because of the mishandling for the loss mitigation review time and because they are refusing to get me a reinstatement quote.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized information on my credit report, in accordance with 15 U.S.C. 1681b, and to request the immediate blocking and removal of this information.

The reporting of this information is not fair or equitable to me as a consumer. I was never provided with proper disclosures or the opportunity to opt out of sharing my personal information. If I did not authorize, share, or sign any disclosure or contract with any company, then making any transaction public is considered a violation under FCRA 1681b.

Legal Basis : Violation of FCRA 1681b Under 15 U.S. Code 1681b, the permissible purposes for accessing and reporting consumer information require written consent. I never provided any written or express consent for this account to be reported on my credit history. Without my explicit authorization, this reporting is invalid and must be removed immediately. 

Requested Actions Immediate blocking and removal of the following unauthorized account : XXXX / XXXX XXXX confirmation of the removal of the unauthorized information. 

Assurance that the deleted information will not be reinserted into my credit report in the future.

I am enclosing a copy of my report filed with the Federal Trade Commission ( FTC ), which I have submitted to report this unauthorized use of my information ( FTC REPORT NUMBER : XXXX ). 

If I do not receive a timely response, I will proceed with filing a formal complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and will consider taking legal action to enforce my rights under the Fair Credit Reporting Act ( FCRA ). 

I appreciate your prompt response and resolution of this matter. I expect a response within the legally required timeframe.
Product: Student loan

I applied for a new student loan repayment plan in XX/XX/2018 after losing eligibility for the Public Service Loan Forgiveness program ( I no longer work for a qualifying employer ). My federally-subsidized loans are serviced by XXXX. XXXX denied my application erroneously : they said I needed to make a payment on the standard plan to show it was unaffordable, but I had already made two payments on the standard plan. The XXXX agents with whom I have spoken about seven times in the past three months have told me that my application is still pending. In the meantime, I am delinquent on my regular loan payment of XXXX XXXX/month. It should not take this long for XXXX to process my application for a new payment plan.
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 violanted my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX Account XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602. A. Stated i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any on the following items of information Any other adveerse item of information, other than record of convitions of crime which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Dear ACS Education Services, This letter is a formal complaint that you are reporting inaccurate credit information. The account is closed and paid in full. It has been over 7 years since the account was open. Therefore, I am asking for you to remove this item immediately. 
XX/XX/XXXX, it was reported that I was 60 days late on my ACS account. This was reported to all XXXX credit bureaus. 
With proof I am attaching documentation that I enrolled in school at XXXX ( XXXX ) XX/XX/XXXX -XX/XX/XXXX and my account should have been in -school deferment. When you are enrolled in school at least half-time you are able to request an in-school deferment. However, I did have to drop with my international travels. Furthermore, I did n't receive any written communications about this matter because I was out of country from XX/XX/XXXX to XX/XX/XXXX for work. Upon returning to the country I spoke with several customer service representatives who stated that they would remove the late payments since my account should have been in forbearance ( Please see page XXXX ) from XX/XX/XXXX and XX/XX/XXXX. In addition, I was enrolled in XXXX University during this time. 
Therefore my account was in forbearance and payments were not due at this time. However, I have called ACS Education Services and emailed numerous times to get this matter resolved. I was assured that it was resolved until I received a copy of my credit report. Unfortunately, this matter has not been resolved. I am sure you will agree it needs to be removed ASAP. The following information therefore needs to be verified and deleted from the report as soon as possible : ACS Education Services XXXX ... 
Sincerely,
Product: Debt collection

I was reported with a debt that was opened and originated because someone stole my identity this has already been known by the so called creditors reporting this fraudulentl account the needs to be removed.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a XXXX  data breach. Reviewing my credit reports, I noticed. I have submitted a FTC complaint reporting the info I am not familiar with. 

Please find attached copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a Validation of debt letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Please remove it from my credit report or Im seeking litigation please delete. 

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Please remove it from my credit report or Im seeking litigation please delete. 

I demand the following fraudulent Inquiries deleted from my credit report immediately. 
Bank Name : XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries deleted from my credit report immediately. 
Bank Name : XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Please remove it from my credit report or Im seeking litigation please delete. 

I demand the following fraudulent Inquiries deleted from my credit report immediately. 
Bank Name : XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries deleted from my credit report immediately. 
Bank Name : XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

I previously filed a complaint regarding the unexpected closure of my account without prior notification. HSBC claimed to have sent a letter informing me of the closure, but I have yet to receive this correspondence. 

Due to this lack of communication, I encountered significant inconvenience and financial loss. Specifically : a ) A one-month delay in accessing my funds. 
b ) Loss of interest income during the one-month period. 
c ) Additional expenses amounting to {$310.00} for collecting the funds via check. 

To resolve this matter, I request the following : 1 ) A tracking number for the alleged notification letter ( To confirm I didnt receive those letter till today ) 2 ) An explanation for why alternative communication methods ( such as email, SMS, or phone ) were not utilized to inform me of such a critical decision. 
XXXX ) Appropriate compensation for the aforementioned losses.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the fraudulent items on my Credit Report from XX/XX/XXXX to XX/XX/XXXX by sending dispute letters addressed to the Credit Bureaus. But despite all my efforts to correct my Credit file, the Credit Bureaus seemed to enjoy not giving a XXXX about my Dispute and my Credit File. The Credit Bureaus are given ample amount of time by the Federal law to conduct their investigation and remove the items that resulted due to Identity Theft. I am submitting this complaint to remind the Credit Bureaus that they are required to remove the items I am disputing since these resulted due to the crime. They have failed me before and I was tempted to take legal actions against the Credit reporting Agencies but I will be kind enough to give them a couple more chance and correct my File under each Respective Bureaus. I am utterly frustrated to see that despite all my efforts, the Credit Bureaus have become negligent of the FCRA regulation, my appeals, and their utmost duty to report accurate only information on a consumer 's Credit File. Once again, the items I am disputing were the result of the Identity Theft and must be removed immediately in accordance to FCRA regulations : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed ; {$4300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$2700.00} 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX/XXXX/XXXX  XX/XX/XXXX XXXX XXXX Balance Owed : {$850.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX - XXXX XXXX XXXX - On XX/XX/XXXX, I settled this account through XXXX XXXX XXXX. The account was paid in full and is closed. Initially, XXXX contacted Equifax, but a balance was reflected when it should have {$0.00}. I contacted Equifax on XX/XX/XXXX of XXXX, opened disputes, and sent the settlement letter from XXXX XXXX XXXX and the XXXX XXXX reflecting that the amount was taken from my checking account. The balance was reduced to {$0.00}, but the letter reflects Paid In Full. With the documentation I mailed in, Equifax should have updated the Account Status to Closed as well. I called Equifax on XX/XX/XXXX and opened up a second dispute. I would like for Equifax to remove the tradeline. If they are unable to, I would like for Equifax to report that this account has been settled, paid, and closed. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the settlement letter from XXXX XXXX XXXX, the XXXX XXXX reflecting that the amount was taken from my checking account, USPS Receipt regarding the mailing of documents, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau has reported two late payments and Ive tried disputing them with company. I was told system doesnt go back that far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the  item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Product: Debt collection

Current loan with conns home plus. They call on average 13-16 times a day for me to bring my account current. They call from multiple phone numbers and are extremely rude. Any day after the due date they will spam calls
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXXXXXX XXXX XXXX  CA XXXX, XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report through XXXX XXXX on XX/XX/2020 and noticed a fragulent report from Waypoint Resource Group in which they falsely claim that I opened an account with them on XX/XX/2020. I did not open any new accounts with them and they are using identity fraud if they say otherwise. This incident has negatively affected my credit score as they claim that due to this fraudulent account that I owe them {$310.00}. It is my understanding that Waypoint purchased a very aged collections account from XXXX, they can not produce any old debt showing that I have had any account with XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed and account that was not reporting accurately. I had 2 late payments that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates XX/XX/year>, XX/XX/year>. Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

my account was closed due to The Early Warning report. i report this before but Early warning state it was not them to you and I. My XX/XX/XXXXwas not approve because this matter. title usc 1611 1607 1640
Product: Debt collection

I want Southwest Credit to Validation that I owe them with proof of signature of a contract signed.I hereby authorized Southwest to release proof of contract with my signature as a validation to consumer protection Bureau.
Product: Credit card

Chase is actively avoiding accountability by refusing to allow customers to record calls while they record customers. 

Chase contacted me about my CFPB complaint but refused to continue the call once I informed them that I was also recording. 

They stated that it was policy to prevent customers from recording calls, but they record all calls themselves. 

I requested a transcript or copy of the recorded call, and Chase refused to provide it. 

This raises serious concerns about their transparency and whether they are deliberately hiding deceptive practices from customers. 

Chase is suppressing consumer rights by refusing to allow recordings while maintaining full control over their own records. If their actions were ethical, they would not fear transparency.
Product: Credit card

I had a Citi Mastercard Platinum and before that another name that was fixed 9.9 % when I called them about another issue the man encouraged me to switch to another type of Citi Master Card that offered restaurant etc advantages, a sales pitch ;, to obtain a Diamond preferred Mastercard, keeping the same number. What he failed to disclose was that by taking this offer I lost my fixed rate to a variable rate. I want my 9.9 % fixed rate back. They also changed the amount of time i was a member with them. These things affect me in that our USA and global economys could go bad at anytime and as a variable rate a credit card company can request market rate which could be exhorbiant. I am worried about them being able to change the rate on me at will. Also, and/or that any of this could effect my credit rating which is extremely good. Please help me get my fixed 9.9 % rate back.
Product: Credit reporting or other personal consumer reports

This XXXX  have been disputed this credit bureau for the XXXX time and have not been deleted. This XXXX  account have proven to be fraud from a police officer and this credit bureau will not delete this fraud account. please see documents. This account need to be deleted with 72 hours of this complaint. They failed to send me documents on how this company verified that this fraud account belong to me