23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

HUNTER WARFIELD INC placed an incorrect credit information to XXXX. 
Instead of correcting the records, they demand my personal information to correct their information. Based on the letter from them, they did n't even get my names correct. Without a paper signed by me, they called it " Verified '' to XXXX. If they can provide any paper signed by me, I 'll upload/send my driver license for your investigators to compare the signatures.
Product: Credit reporting or other personal consumer reports

My information has been involved in the credit data breach. There is information on my report that does not belong to me and is incorrect.
Product: Mortgage

On XX/XX/XXXX I had a hearing in Bankruptcy Court the judge order the servicer to re-file a Notice of sale of my property which is time frame of 90 days so I had enough time to either apply to modified the loan or sale my property because I have equity. 
They never file a new Notice of Trustee 's sale. 
So I apply for modification of my loan and a 3er party XXXX was able to help me to submit the complete package on XX/XX/XXXX when I follow up on the XXXX I was told that they could not review it because the package has to be in the office 35 days before the sale also she mention that they had sent me a letter explaining the detail on the denial of the review for modification, well long and behold they lie they did not had sent out the letter because the next day XX/XX/XXXX I call back again and talk with different agent he mention that they had not sent out any letter, that I had assign a single point of contact and he provide me her information name, email, and extension number. 
Two hours later I call back to reach my point of contact but she was not available so that new representative inform me that a letter was sent out because they can't review my loan modification do to the policy of the company that it had to be received 35 days before the sale date, I ask to email me a copy of the letter and she sent it, I am attaching it.
Product: Credit reporting or other personal consumer reports

According to the USC 1681 I DID NOT ALLOW OR AUTHORIZE THE REPORTING OFFICES INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which were 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 XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NJ XXXX XXXX XXXX Balance {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX. 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: Debt collection

XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$700.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Student loan

I have a private student loan with Chase which has since been managed by XXXX but is still reported through Chase. I have never been late and in fact I have constantly paid more than the minimum payment so that my next payment is n't even due until another 2 or 3 years. I tried to release my cosigner and submitted all the necessary documentation. My request was denied and my concern is that they will not tell me why. All I was told is that I can try again in the future. I do n't know if my request was denied due to credit score, income level, length of loan history, or any other factor. I do n't think this is right because I do not know what steps I should correct to get my cosigner released. For example, if it 's credit score I can improve it and try again. But if it 's income level then that would be harder to correct in the short term and it would be a waste of my time now to keep trying and dinging my credit score. 

Is there any recourse? I 'm not asking for proprietary information, I 'm just wanting to know the reason why. I called multiple times and I was told they ca n't give me their credit thresholds because it 's proprietary. I do n't care about the exact number, all I need to know is that my score is below their minimum or my Debt to Income was above their maximum, something along those lines. Do student loan providers not have to give a reason at all for denying the release of a cosigner?
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$140.00} Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$99.00} Account Name : LVNV FUNDING LLC Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : XXXX
Product: Checking or savings account

Hello, I opened up a Citibank Account Package on or near XX/XX/2018. This included both a checking and savings account. During the opening process, I included a bonus code XXXX, which provided a {$400.00} account bonus if {$15000.00} was maintained for 60 days. This promotion was open during XX/XX/18 to XX/XX/18, although it appears to be an active promotion. On XX/XX/2018, I deposited {$15000.00} into the account. On XX/XX/2018, the 60 day requirement was achieved. Per the terms with Citi, Citi had up to 90 days to properly fund my account with the {$400.00} bonus. After numerous attempts to confirm my account was in good standing and eligible for the promotion, I was able to finally speak with a CSR at Citi to confirm everything was set for the funding of the bonus by XX/XX/XXXX. Today is now XX/XX/XXXX. I attempted to contact Citi again to ask for the delay with no appropriate explanation. After being on the phone for about an hour on hold, I've decided to give up attempting to contact Citi in an appropriate way. This has gone beyond a reasonable attempt to reach this bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with XXXX XXXX AND TRANSUNION SEVERAL TIME LETTING THEM KNOW I HAVE INQUIRIES LISTENED WITHOUT MY CONSENT, I did not give permission to inquire and I demand each one list be deleted immediately and pay {$1000.00} per fine per violation, they are listed belowTRULIANT ( XXXX/XXXX/XXXX ) XXXXXXXX XXXX XXXX  ( XX/XX/XXXX ). XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX BANK ( XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX BANK ( XX/XX/XXXX ). XXXX XXXX. ( XXXX XXXX BANK ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Credit Cards {$0.00} Status Date Reported XX/XX/XXXX Payment Status 30 Days Late Account Status Paid Account Details Account Type Credit Card Responsibility Individual Credit Limit {$3000.00} Credit Used 0 % Highest Balance {$3400.00} Date Account Opened XX/XX/XXXX Date Account Closed XXXX XXXX, XXXX Payment Details Date of Last Payment XXXX XXXX XXXX Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Current Lender Info XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX 
COLLECTION/CHARGEOFF Credit Cards {$1900.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$1900.00} Account Details Account Type Credit Card Responsibility Individual Credit Limit {$2000.00} Credit Used 97 % Highest Balance {$2400.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$1900.00} Date of Last Payment XXXX XXXX XXXX Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Unknown Lender Info XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Credit card or prepaid card

A month ago I contacted the institution and inquired about a rate reduction on my credit cards, in light of recent financial hardships. Upon which, I was informed by   USAA agents that the only way they could do a rate reduction was if the account was in the rears and deficient. Following the deficiency, your company would then close the credit cards and afford a reduced interest, in order to pay off the balance.
Three   weeks following that conversation, I contacted customer service again, and in fact was late on my payments that were due. The agent then acknowledged the previous conversation, and proceeded to close my two  XXXX   XXXX  cards with USAA, and then informed that she would be transferring me to another agent to adjust the interest rate so the card could be paid off. Upon transfer, the next agent claimed to have no knowledge of any interest rate reduction policy, and refused to help.     The fact that the subagent advised, that in order to receive a reduced interest rate, I would have to first be delinquent on my account, is the first issue. The second issue is that in light of the closures, my credit worthiness has been affected adversely and also created a legal detriment to my financial standing.     As a result of the subagents advice and actions, the company has violated various federal statutes, to include the FDCPA, and  UDAAP, of which provide fines and penalties against the offender, and provide support of compensatory or punitive damages ( or both )  to an affected party, as a result of the wrongful acts of the banking institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX
Product: Vehicle loan or lease

Dear Chase Bank, I am writing to formally lodge a complaint regarding the denial of my consumer credit transaction for an auto loan in the amount of {$94000.00}. This denial constitutes a violation of my consumer rights. 

As per 15 USC 1602 ( I ), the term " credit card '' includes any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This definition extends to my Social Security card, making it a credit card in this context. Therefore, when I used my credit card for the specified amount, I should have been credited accordingly. However, I received no benefit whatsoever, which is a clear violation of my rights.

Furthermore, under 15 USC 1691 ( a ) and 12 CFR 1002.7, it is against federal law to deny an extension of one 's own credit. If any representative from Chase Bank believes my assertion is incorrect, I request that they provide the specific consumer law that allows a financial institution to deny someone an extension of their own credit. 

Chase Bank advertises that individuals can be denied credit for not being creditworthy. This constitutes false advertising under 15 USC 1611. The concept of " creditworthiness '' is not defined in consumer law ; it is the consumer who determines their own creditworthiness. As I exercised my rights in good faith under 15 USC 1691 ( a ) to assert my creditworthiness, there should be no grounds for denial, regardless of Chase Bank 's internal guidelines.

Federal law mandates that all financial institutions abide by consumer law. I expect Chase Bank to comply with these regulations. Therefore, I request that my account be funded with the amount I swiped my credit card for and that this matter be resolved promptly. 

Failure to address this issue will compel me to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) for further investigation and action. 

Thank you for your immediate attention to this matter. I look forward to a swift and favorable resolution. 

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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the XXXX report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have been paying my mortgage payments almost every time on time and in full since 2004. My monthly payment is XXXX and my interest rate is 8.250 %. I am having trouble paying my student loan and other payments. I had asked my lender Wells Fargo about the HARP program when I first heard about it, but they brushed me off. So I was delighted when I received some years later a letter from Wells Fargo asking me if I wanted to apply for a refinance with them involving HARP. I filled out the paperwork and sent faxes and emails and the XXXX reps I dealt with by email and phone seemed very responsive and assured me it would go through. There was nothing telling me that things were n't going well. Then I got a letter saying that my credit score was too low for them to take a risk. I had told them all along I was having trouble meeting my student loans and some other bills. That 's why I needed a refinance. Also I had been paying a higher payment for ten years to this very same company! But they did not take that into account, treating me like I was a new customer to them. Meanwhile I am still having trouble paying my student loan and credit card bills, and wondering what I can do. Not sure if anything can be done about this. But I can tell you I am not very happy with Wells Fargo. Yesterday, got another letter from them telling me " I could qualify for a lower payment through HARP!. ''
Product: Debt collection

I am writing to file a formal complaint against Denali regarding a debt they are alleging I owe. I am disputing the validity of this debt and formally requesting Denali to provide full validation, as required under federal consumer protection laws.

Issue : Denali has claimed that I owe a debt. However, I have not received sufficient documentation or validation to prove that this debt is valid and legally enforceable. I am requesting Denali to provide proper validation of the

debt, including : 1. The name of the original creditor. 2. The amount of the original debt. 3. A breakdown of how the alleged debt amount was calculated. 4. Proof that the debt has not been paid or settled.

5. Any signed agreements or contracts showing that I am responsible for the alleged debt.

Legal Grounds : I am asserting my rights under the following federal laws, which require debt collectors and creditors to provide validation upon request : 1. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Under Section 1692g, I have the right to request validation of the debt. This requires the creditor to provide sufficient proof that the debt is valid and that I am legally obligated to pay it.

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) Denali must also ensure the accuracy of the information they furnish to the credit reporting agencies. Reporting inaccurate or unverifiable debts is a violation of the FCRA.

3. Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. If the debt stems from a credit transaction, I request any documentation related to my original credit agreement with Denali, as required by the Truth in Lending Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or the company you represent. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that FAIR COLLECTIONS & OUT absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Product: Credit card or prepaid card

Barclays stole {$5100.00} from my checking account using ACH! 
Barclays autopay withdrew {$5100.00} on XXXX and again on XXXX, double the amount I owe. 
I called XXXX at XXXX and they tell me it is aware of the problem but can't tell me when I'll get my money back or when this problem will be fixed!!! 
Now my checking account is about to bounce! XXXX say there is NOTHING THEY CAN DO!!!! 
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