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

My credit report looks not good. XXXX XXXX  XXXX XXXX. Where are these accounts came from. Im pretty sure that someone got my personal information. I dont know what to do now. My family is crying.
Product: Mortgage

I was sent a modification program letter in XX/XX/2023 stating that my account was delinquent and that I had been approved for a modification. My account was never delinquent and after calling the servicing company, it was explained that my account was current and it was simply a solicitation for a modification. I told the agent that I was not interested and she explained that they would withdraw the offer. 
I'm now receiving a letter from the servicing company that I have been delinquent for two months that my account is put into forebearance. In order to bring my account current, I have to pay {$8000.00} for accept the loan modification. I have a monthly automatic deduction each month and for some reason, the servicer did not withdraw my payments thereby automatically putting me into forbearance. This is nothing more than a trap to push consumers into another loan modification. I specifically turned down the modification and now I have pay an {$8000.00} lump sum to bring my account current. This now puts us in a very difficult financial position for absolutely no reason what so ever. The new modification has a 30 year term and a lump sum of $ XXXX at maturity. To me, this is nothing more than fraud to trap consumers into taking the modification. It's left us with a very difficult and painful decision.
Product: Credit card or prepaid card

When filing my taxes with XXXX I was given an option to get a cash advance if I opened a XXXX  account with Credit Karma, so I did. My tax refund directly deposited into the account. Credit Karma isnt actually a bank, they use a third party which is XXXX XXXX Credit Karma had deactivated my physical card for fraudulent charges that I never reported or seen on my account back in XXXX. I requested a new card but it never came. Meanwhile I had a digital card I could use using XXXX XXXX. Then i had requested another physical card and again it never came. I started seeing chargers that were not mine on the account so I contact Credit Karma to dispute the transactions. They then deactivated my digital card and will not issue me a new one. Since then anything that the account was linked to has been unlinked, not by me nor my permission. I have the account and routing numbers but unable to link them to anything. I contacted the bank XXXX Credit Karma using and they dont see any locks or holds on the account to prevent linking it. However I cant link it to anything and I cant access my funds. I have requested for a third time a physical debit card on XX/XX/XXXX and according to the information Credit Karma shows me the card has yet to even be mailed. They will not issue another digital card so I have no access to my funds. Their customer service rep XXXX denied me talking to a supervisor or anyone above him after I asked numerous times. He denied me any contact information to XXXX XXXX so I could contact them. I did however get their information and they said they are unable to help and to contact Credit Karma for support. I have had my tv services cut off because my account couldnt be billed. The worst part is my telehealth provider ( online doctor ) could not bill my account so I lost my appointment and prescription refill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been compromised and I, along with 143 million others, have had information stolen due to their incompetence. Now all of their services are down. On top of it all, they want us to use their subsidiary to protect our identity while simultaneously having us opt-out of the ability to bring a class action lawsuit to them. 

This is unacceptable.
Product: Debt collection

I received a notification from the XXXX, who does credit monitoring for me on XXXX XXXX, which said that an account with my information on it has gone to collections. I checked the account in question and it's for a " Sunrise Credit Services '' on behalf of " XXXX. '' This was the first time I had heard of this account because it was not opened by me. I check my credit regularly and never noted an account from XXXX on any previous report. I filed a dispute with all three credit bureaus and will be contacting the credit service next.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX Date XXXX inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Student loan

Any student loan information related to Navient or Sallie Mae should be removed from my credit due predatory and fraudulent practices including adding exorbitant fees and aggressive collection practices, including intimidation.
Product: Mortgage

My servicer LoanCare provides a property valuation and solicits for products like HELOCs and insurance based on that value. The value is in the portal and is updated periodically. Based on the value provided BY LoanCare, my loan has been eligible for removal of PMI for several years. I have asked repeatedly to have my PMI removed based on the valuation provided by LoanCare, but LoanCare will not remove it unless I pay to have an appraisal done of the property. PMI adds XXXX dollars a month to my payment and based on the terms of the loan is not necessary and is oversecuring the creditor. 

This is the definition of deceptive given that LoanCare has a valuation of my property, is engaged in portfolio monitoring that includes a regular AVM which is where they derive their estimation of the value of my property. 

Also, LoanCare has not kept the record of the letters, communication or responses on their servicing portal. I do not believe LoanCare is exercising proper records in their system of record.
Product: Credit reporting or other personal consumer reports

I requested that an investigation be launched into my consumer report because there are several accounts there that were not created by me and these accounts have impacted my ability to acquire a bank account. I will attach the letter I sent to the early warning services office.
Product: Debt collection

Early XX/XX/XXXX i was taken to an emergency room in colorado via ambulance. 

At the time i was uninsured but was told i could be retroactively covered via colorados healthcare/XXXX. 

I applied and was accepted to the program within the time frame. It later went to collections and i was served with a summons to XXXX County Court in XXXX, Colorado by the collectors in XX/XX/XXXX. I filed a response and a motion for trial was set for XX/XX/XXXX. During that period i provided the plaintiff ( the collection agency and their representatives ) with a load letter officially stating i was covered for the costs incurred in XX/XX/XXXX. 

A motion for continuance was requested as they billed medicaid. On XX/XX/XXXX the case was dropped as the situation was resolved. 

In XX/XX/XXXX i checked my credit report via XXXX and noticed i had a collections appearing. This was part of the collection that was solved and should not have appeared. 

On XX/XX/XXXX at XXXX MST i submitted a dispute with the credit agency XXXX  including the letter saying my medicaid covered it, the official case dismissed paper signed by a judge, and the original summons complaint. 

On XX/XX/XXXX i was told the dispute was unsuccesful. 

" The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' Because the collection agency still said i owed. I did not. 

Today, 1 year later from the end of the litigation the account still sits on my experian report. I called the agency and then they said " oh yeah it should be closed '' todays date is XX/XX/XXXX. 

I have been hurt severely due to this unjust appearance on my report. Seeing this false report lenders are rightfully skeptical of lending to me, and even if they do it is at astronomically high rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I payed with excellence my Mortgage for 31 years and closed it with the Bank, I checked my Credit Report and found out that my Fico was lowered to a frustrating number .It started with XXXX , Then. transunion, they both and I decided ro write a dispute and complaint about it, then even lowered more, I know I have pasts account however I have spoken with my creditors and made arrangements.. I felt it has been sort of an wrongfull doing, Idont know if getting a lawyer or please help., help, help, Do you need copies of my agreement?, or Banks? Please acknowledge. 
Best regards thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

2. Identity Theft CITIBANKNA Account Number : XXXX This is not mine.

3. Identity Theft CITIBANKNA Account Number : XXXX  This is not mine.

4. Identity Theft THD/CBNA Account Number : XXXX This is not mine.

5. Identity Theft XXXX  Account Number : XXXX This is not mine.

6. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

7. Identity Theft XXXX XXXX XXXX  Account Number : XXXX  This is not mine.
Product: Credit card

Wells Fargo is having a representative with a furniture company who is misrepresenting the terms of the finance agreement. We were told the terms were no interest for one year and after a year interest on the remaining balance. So after a year we were charged interest on the balance we had already paid. I am sure it is in the small print, but how can they have a third party define the terms when they benefit from the purchase.
Product: Debt collection

On XX/XX/year> had dispute letter sent for inaccurate information on report. 

First inaccurate information posted was collection stated on account status as " Open '' on my XXXX but " Closed '' on XXXX and XXXX. 

Second inaccurate information posted was under past due, shows " {$1100.00} '' for XXXX but shows " XXXX '' for XXXX and XXXX.
Product: Debt collection

Im not liable for this XXXXXXXX XXXX  debt owed to transunion XXXX dont have a contract with XXXX XXXX that is signed with my wet signature or id verification
Product: Debt collection

On XX/XX/XXXX I paid an apartment rental application fee of {$52.00} with XXXX XXXX Apartments in XXXX, XXXX. The apartment told me they have an apartment ready, Id just need to fill out the application and pay the {$50.00} fee. After filling out the application and paying the fee, they told me the apartment was no longer available and they rejected my application. I put a hold on my application fee through my bank until I was able to get a hold of the XXXX that same day to understand why the apartment was no longer available. Once I spoke with them, I released the hold from my bank the same day and they received their money of {$52.00}. This left my balance at {$0.00} with XXXX and I did not rent with them. 
XXXX sold my debt to a collection agency after it was fully paid off on XX/XX/XXXX. Basically, they got paid on it twice but sold it as a debt of {$120.00}. They claimed the bank charged them a {$75.00} fee for the dispute that was resolved in the same day. They did not provide any proof of the chargeback amount they allegedly received from their bank. 

I went to the apartment and they gave me a print out of my statement showing a balance of a {$0.00} as of XX/XX/XXXX. 

In conclusion, I paid the {$52.00} application fee and the XXXX at XXXX provided me evidence of a {$0.00} balance. However, they are telling the collection agencies and the credit bureaus otherwise. I have provided copies of my bank statement and copies of the statement from XXXX but nothing is being resolved. 
I am feeling desperate to get some help on this issue as this is effecting my credit and my rental ability. I have fully paid off my debt before it was ever with the collection agency. This is becoming really frustrating and it feels like I am not getting anywhere with anyone, especially XXXX XXXX Apartments. Ive reached out and stopped by to try and correct this issue. They refer me to contact by phone. Ive left messages and called numerous times to no avail. 
Please let me know if I can provide any additional evidence to resolve this in a timely fashion.
Product: Debt collection

There is a debt collector trying to claim an account that i dont recognize as mine. This account was opened on XXXX and they cant validate this account as mine..
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX # XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX CT XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX CT XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$820.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$28.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$40.00} ; XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Cons
umer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Checking or savings account

To Whom It May Concern, I am writing to submit a formal complaint regarding unauthorized transactions on my account at Citizens Bank. Few years ago, I noticed fraudulent activity that resulted in unauthorized charges. I immediately reported the incident to Citizens Bank, filed a police report, and submitted all pertinent documentation to verify that the transactions were not made by me. 

Despite my prompt actionsincluding placing a credit freeze to protect my informationCitizens Bank has failed to address the issue adequately or restore the funds lost due to this fraudulent activity. This negligence has imposed an undue financial burden and compromised my financial security. 

I kindly request that the CFPB investigate this matter to ensure that Citizens Bank re-examines my case, reverses the fraudulent transactions, and strengthens its fraud prevention measures.
Product: Mortgage

I had an approval contract with XXXX. I was told by the lender that I would close on XX/XX/year> but for whatever reason no fault to me/buyer that an extension needed to be done for another XXXX  days. However, on XX/XX/year> a denial letter was sent to the lender stating that I had been denied for the loan. The lender never gave me a letter nor informed me that I was denied. On XX/XX/year> I contacted XXXX myself and I was told that I should not have ever been given a closing date and that my loan was denied He could not tell my why but stated that it wasn't because of my transcript as to what the loan XXXX told me. 

I have lost all of my earnest money that I put up because of the negligence of the loan XXXX and still today I have not received a denial letter or termination letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX XXXX  XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

The bank wells fargo is telling me that I can not ( online Transfer ) more then 6 times a mouth and they will charge me a fee. They tell me that it is a federal law. And if a transfer is need, I will half to come in to a branch and do this transfer. sometimes I do more then 6 transfer and they never said nothing about this law, but the last 3 months they have been doing it. On XXXX-XXXX-17 I went in to the branch on XXXX XXXX  XXXX XXXX and withdrew XXXX from savings the withdraw receipt was mark savings the teller took the money out of checking. the next day i used my card and I found that me checking was over drafted went to transfer money I could not do because the federal law. It cost me lost of money. The bank Wells Fargo would not help me ( meaning the bank was closed, so I called the 24 hr phone number the lady told me ( XXXX XXXX ) could not do it ) But they did help them selves to my money. Thank You Wells Fargo. They showed me Courtesy! ... ... and i have more issues with this bank Wells Fargo and question ...
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, i sent my second letter to the creditor disputing the unauthorized inquires made on my account. I would like to take legal action if this fraudulent item isnt removed from my credit because its having a major effect on my current score. thank you for your help.
Product: Credit reporting or other personal consumer reports

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX My Date of birthday is| XXXX XXXX. 
My Social Securite Number 's is XXXX To : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, FL XXXX RE : XXXXXXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; To Whom it may concern.. 

This account : XXXX XXXX XXXX Account Number : XXXX The company XXXX XXXX XXXX claims that this account was paid by the creditor in XX/XX/XXXXXXXX  ( PAID BY CREDITOR ), but is reporting erroneous and inaccurate information to the credit bureaus. 
This account was returned to XXXX XXXX XXXX due to problems with the car 's transmission, In XX/XX/XXXX, and the status the this account was reported paid and closed in XX/XX/XXXXXXXX  So how do you explain that in XX/XX/XXXX the account status is ( paid by creditor ) if it was closed a year before and was paid and closed by XXXX XXXX XXXX? 

XXXX XXXX had already reported the account as ( closed and paid ) and changed it back to ( paid by the creditor ) which is false, under the law 15 U.S. Code 1681i ( 5 ) it stipulates that if after a reinvestigation inaccurate information continues to be reported, the account must be deleted immediately. 

Law 15 U.S. Code 1681i ( 5 ) - Procedure in case of disputed accuracy.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


15 U.S.C 1681s-2 ( A ) 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. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX. 

A copy will be sent to the CFPB, FTC and my Attorney General.
Product: Credit reporting or other personal consumer reports

My mortgage company been sold as off XXXX but its reporting on my equifax that the date was wrong stated on XX/XX/year> please can you fix it asap because I'm try to closing on my new home and its really not a good look for me. wHEN I CALL THE MORGAGE COMPANY ITS NOT REALLY HELP.