23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This reverts back to a complaint from XXXX XXXX Case number : XXXX related to the settlement from a law suit with the federal government giving us up to a 41 % principle reduction Modification opportunity in which XXXX explained where the income they used to process our Modification of XXXX XXXX, that income information was provided by us back in XXXX. Since then my wife was forced to changed jobs as I was and our income was negatively impacted plus, the Social Security income they used was inaccurate by over a thousand dollars too high. This income for the XXXX 41 % principle reduction Modification was not provided by us in XXXX it was transferred from a XXXX Modification we had applied for. The reason we did not respond back to CFPB when we received XXXX 's response was, XXXX told us they would consider us for that 41 % principle reduction opportunity. We then started sending the required documentation and were at the final piece of documentation necessary to complete the package for review when XXXX sold our loan to Shell Point servicing a division of New Penn Financial, LLC effective XXXX/XXXX/XXXX. When we received that notice we attempted to get that final documentation sent to XXXX XXXX at XXXX, 3 times with no response from him or XXXX. Then on XXXX/XXXX/XXXX there is a Notice of Trustee Sale filed against our home at the XXXX XXXX XXXX XXXX Office with a scheduled sale date of XXXX/XXXX/XXXX by XXXX with the recorded copy mailed to XXXX XXXX in XXXX XXXX. Since the mortgage has been sold I have attempted to reach XXXX XXXX on XXXX different occasions with no call backs. ( I got the contact number on my own from searching on line! ) I have not gotten anything in the mail from them. On my first call I did get the loan number ( XXXX ) and I was told there is a sale date of XXXX/XXXX/XXXX in the file and that the loan was discharged in Bankruptcy, from the person answering/directing the calls, which is not true ... ..Only my wife filed Bankruptcy ... ..I did not file, she had personal financial issues she needed to resolve. We have not received a denial letter related to the Modification with XXXX, that was almost completed or anything except a Notice of Trustee Sale. We want to save our home and that 41 % Principle Reduction opportunity gave us that chance and now appears gone as is our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In trying to work with Equifax I had to answer identity questions. I understand how important it is to be the person I say I am, but the questions Equifax required me to answer where questions from many years ago and not easily remembered by people as they get older such as credit cards that were closed years ago or a particular bank that may have held a mortgage that was closed years ago. This is especially true as all these small accounts and payments to them where handled by my wife and I don't know those details off the top of my head, and she isn't around. What can be done to update these questions or make them something that can be answered if I am away from home and need to do something with a credit agency? 

Date of issue was today, XX/XX/19 in the evening
Product: Credit reporting or other personal consumer reports

I'm a casualty of data fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data straightaway would be extremely valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint XXXX was submitted XX/XX/XXXX It has been over 60 days without a response. According to CFPB, the company has 60 days to answer. So this XXXX should be deleted from my credit reports.
Product: Debt collection

Since 2018 up to present there is a {$2800.00} USD and {$670.00} collection notices keep coming in my mail as well as calling my number saying I owned then which of course I don't know about the debt. I contacted both company and credit bureaus but nothing is working out. at some point the bureaus deleted them but the debt came back with a different agency name and this action is really missing up my credit score.

I will like your guys to look into it and at lease remove them.

thank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given Experian written instruction/permission to report the adverse account status of XXXX, XXXX XXXX, Charged off as bad debt Profit and loss-write-off. Also, remove all late payment, and charge off information from payment history. In accordance with U.S.C Title 15 1681b. ( a ) ( 2 ) I very respectfully place Experian on notice that your agency XXXX not furnish any adverse status information pertaining to XXXX XXXX ( ACCT # XXXX ) pursuant to U.S.C XXXX XXXX XXXX. 

I very respectfully Experian on notice that status information of Derogatory, Collection/Charge Off, Charged off as bad debt Profit and loss-write-off, pertaining to XXXX XXXX ( ACCT # XXXX ), is in fact adverse pursuant to U.S.C Title 15 1681s2 ( G ) ( i ).
Product: Checking or savings account

I got a {$800.00} XXXX charge on my Citibank debit card this past XXXX, I didn't make the charge contact Citi they claim they disputed it sent me a new card. today card comes at XXXX everything is fine. I go to sign into my account because I have my phone bill due account isn't working. call Citi they claim they're closing my account. can't tell me why I can't get into it ok give me my money then. they told me I CANT GET MY OWN MONEY BACK FOR XXXX  DAYS THEN TO WAIT XXXX  DAYS FOR A " CASHIER CHECK '' didn't even give me my {$800.00} back or tell me anything. on top of multiple fraudulent and duplicate charges on my account. total of XXXX OF MY OWN MONEY THEY CLAIM THEY CANT RELEASE MEANWHILE THE BANK OR CREDIT CARD COMPANY DOESNT CARE THAT YOUR BANK IS MAKING YOU WAIT FOR THEIR INVESTIGATION!!!!!!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 C. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, which Antendates 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: Checking or savings account

I just became a customer of PNC bank it's been 2 months and already having to deal with fradualant transaction appearing on my account. On XX/XX/23 I placed a curb side food order delivery to my house with XXXX XXXX in the amount of XXXX which was deducted from my account, then on XX/XX/23 my account had a deduction in the amount of XXXX from XXXX XXXX XXXX XXXX XXXX PA. I then called Customer service at XXXX XXXX the informed me there was no store at that location XXXX XXXX XXXX PA. I then called PNC customer service and asked them how could a fradualant transaction go thru on my account when I had my card locked and secured, she lied and told me my card must have been unlocked for the charge to go through but I know it was locked. Now I have another fradualant charge that appeared on my account that's pending made on XXXX ) XX/XX/23 in the amount of XXXX from the so called Fictitious XXXX XXXX XXXX XXXX XXXX PA.I will dispute this charge as soon as it clears.
Product: Vehicle loan or lease

On XX/XX/2019 went to XXXX XXXX to trade and buy a vechile.Dearship pulled credit report up, nothing reported on the payments to SANTANDER CONSUMER USA on Car payment for the last 16 months for ME and my wife.So I called the Fianance co.Have to summit a report to there dispute dept, which could take up too 30 or 60 days to get resolved.So appreciate if could get the issue resolved soon YOURS TRULY XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States 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 of the following items of information Any other adverse item of information, other than records of convictions of crimes 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: Debt collection

I tried to dispute the portfolio recovery it says I owe them XXXX n some dollars on my XXXX XXXX tried several times letting them know even writing in that I believe this was my sister or a family member that use my information and they refused to remove the information they say that you know it's under certain laws I'm not really sure but I didn't do this this is identity that my sister knows my social security birthday is so do a few other family members that are really not the best of people should I say and it's terrible this is the things that I have to go through now because of what she's done or one of my family members
Product: Credit reporting, credit repair services, or other personal consumer reports

A week ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Product: Mortgage

We have ( had ) a mortgage with XXXX acct. # XXXX which we were behind on applying for a modification which was denied. We were told that if we made XXXX payments by XXXX2016 that we could take XXXX & XXXX to catch up. We made XXXX payments in XXXX. In the mean time the loan was sold to PHH Mortgage. They have sent us many letters warning of foreclosure. Also statements not showing our payments to XXXX. Now they are refusing to accept a payment they received XXXX2016. Also a letter saying the are expediting foreclosure on our home. I am attaching cashed checks to XXXX and also our check to PHH Mortgage Acct. # XXXX which they say they are not accepting. I am sending the statements that are in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

JP MorganXXXXXXXX XXXX  Credit card XXXX Credit card has me as authorized user but I did not authorize the use of my name and personal information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an erroneous and fraudulent entry on my credit report. On or around XX/XX/XXXX, I noticed a collection account reported by XXXX XXXX XXXX XXXX, with the original creditor listed as XXXX XXXX XXXX XXXX. The report indicates that I am responsible for this debt as a cosigner for an apartment lease. I want to state unequivocally that I have never cosigned for anyones apartment or any other debt with this creditor. This claim is entirely fraudulent. I have been XXXX XXXX  for the past few years and have been in and out of the hospital battling XXXX. Due to my health condition, I have not been able to engage in any such financial transactions, let alone cosign for an apartment. Someone has been using my identity fraudulently and creating fake documents with my information for financial gain. Date collection opened : XX/XX/XXXX Balance : XXXX This fraudulent entry is causing significant harm to my credit and is adding undue stress during an already challenging time in my life. I request that this matter be thoroughly investigated, and that this fraudulent account be removed from my credit report immediately. Please provide written confirmation that this entry has been removed. If you require any additional information or documentation from my end, please do not hesitate to contact me.
Product: Credit reporting or other personal consumer reports

Last year in XXXX I checked my credit report and noticed 2 inquiries on my credit report On XX/XX/XXXX I checked my credit report and noticed 2 inquiries on my credit report placed on XXXXXXXX  by 4 different companies that I never permissible purpose to do so. 
Santander Consumer USA XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX On that same day. I sent them all letters notifying them that I never initiated any transactions with theyre companies and they fraudulently accessed my credit report and placed negative items on my report. I asked them to remove these inquiries from my report because I never gave them permission to access my report according I made sure to let them know that they are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) and too this day they still have not removed it and as a result it is still causing me great stress, and still making an impact on my credit report causing a lower score on my credit report making it harder for me to obtain credit. I never got a response back and dont know what else to do \
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I called this loan creditor to send me a copy of the original contract, pay off disclosures, auction receipt ( since they sold the property ) loan insurance proof, and balance history payment. Gave them the legal 30 days to produce it, come to check on XX/XX/2022 I believe they end up closing it on their end writing it off as " bad credit '' but never sent me paperwork? No proof? It does not reflect closed in all XXXX main credit bureaus.
Product: Mortgage

I applied for an interest rate reduction refinance loan ( IRRRL ) when rates were at 3 %. The best the bank was able to give me based upon zip code was 4.6 %. I happen to own another house in a different state and location and the rate was quoted as low as 2.9 %. I feel one of my properties is being treated as a redline due to the outrages rates.
Product: Credit card

Late payment. 
Thank you for taking the time out of your day to read this letter. I just checked my credit report, and discovered that a derogatory ( 30 day ) late payment was reported on XXXX 2016 for my Wells Fargo credit card account *******************. 
During this time, my mother fell XXXX, and I was the only XXXX left to care for her. I had to leave my job, and my funds went toward her healthcare expenses. It was a very rough and difficult period. Due to the circumstances, I was unfortunately unable to make the payment toward my Wells Fargo credit card. 
I realise I made a mistake in falling behind, but up until that point, my payment history with Wells Fargo has been spotless. When I was able to gain income once again, I quickly paid the debt in full, making it my priority. Im not proud of this negative mark on my credit report, its the only XXXX I have, and as a long standing Wells Fargo client I would be extremely grateful if you could honour my request to remove this derogatory mark from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score. 
If the late payment can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment. 
Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian Representatives, I am writing to demand the immediate removal of nine ( 9 ) inaccurate and unverifiable accounts from my credit report. I submitted a dispute on XX/XX/XXXX, and it is now XX/XX/XXXX. Your failure to resolve this dispute within the legally mandated 30-day timeframe is a clear violation of the Fair Credit Reporting Act ( FCRA ) 1681i. 

Under FCRA 1681i, you are required to complete your investigation within 30 days unless additional information is provided during that period. I have not submitted any new information since my initial dispute, which included the following documentation : A notarized affidavit confirming my identity. 
A Federal Trade Commission ( FTC ) report. 
A copy of my government-issued ID. 

The accounts in question are inaccurate, unverifiable, and harm my financial standing. Despite having sufficient time and the necessary documentation to conduct a thorough investigation, Experian has failed to comply with federal timelines and has perpetuated the damage caused by these erroneous entries.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



15 U.S.C 1681 section 602 A. States 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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes 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. 

These are the inquiries which should be off from report. 
XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I HEREBY DECLARE MY INTENT TO SUE. 

Despite my previous mail correspondence, your institution has failed to investigate and rectify errors contained on my credit report. Thereby you have violated the Federal Credit Reporting Act, due to which I have lodged complaints with the Federal Trade Commission and the California XXXX. I am allowing you 30 days to rectify the erroneous information ; your failure to do so will result in my filing suit against your institution. 

INCORRECT TRADELINES : 1. Enhanced Recovery Company ( ERC ) -- -Ac # XXXX # XXXX ... This item is inaccurate because the creditor nor ERC furnished proof that this debt is mine. I am requesting that the item be deleted to correct the information and an updated credit report be sent to me. I am enclosing a recent credit report, which indicates that this account continues to reflect on my credit report. 

I intend to file a suit against Enhanced Recovery Company and XXXX XXXX XXXX in small claims for removal of erroneous information on my credit report. In your investigation, I respectfully request that you forward to me a description of the procedure used to determine the completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act. 

I thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX. 


Sincerely, XXXX XXXX
Product: Debt collection

We have a home equity loan that was opened for 15yrs with automatic payments withdrawn. The loan was set to end in XXXX, XXXX and I believed that the final payment would be taken from our checking as it had been for all others. I called TD to confirm that the account would be paid and closed but was unaware that the last payment needed to be in the form of a check. In the call the representative did not advise me that a physical check needed to be sent. On XX/XX/XXXX, after receiving a foreclosure statement for {$510.00}, I spoke with a TD representative and explained the situation. I received a pay off quote and made the final payment while on the phone. The representative indicated that TD would remove any delinquency involved with the last payment balance, the debt was paid in full and the loan would be closed.The call took over 2hrs to complete. In XXXX, I received another foreclosure statement with a balance of {$25.00} which consisted of {$.00} in residual interest and a {$25.00} late fee. After spending over 2 1/2 hours on hold and talking to representatives, I was told that the {$.00} was residual finance charges that should not have been assessed. They would take care of the {$25.00} balance and clear any associated delinquency. Today, XX/XX/XXXX, I received a Suspension of Statements & Notice of Charge Off, my mortgage loan has been charged off in the amount of {$25.00}. I called TD again, went through multiple agents, who indicated they could see all of the notes and calls but would need to refer this to a manager to look at and decide what is next. We have been loyal TD customers for over 20 years, have multiple accounts and have faithfully paid any debt that we have with them. I am asking for your help in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion via usps and phone about my XXXX XXXX XXXX account. I have asked them to verify this account and the notify me that it has been verified. There is no way this is my account. Just because some has similar information does not make this my dept.