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

Today XX/XX/2022. Equifax is making it difficult for individuals to obtain a copy of their credit report. I passed verification online and was able to create an account and then was unable to log in and was told to call their 800 number. I then went through an automated system for about 4 minutes and finally pressed " ) '' for an agent. The agent came on the phone and I provided her all my personal information and then she stated she had to ask me a security question. which I was fine with. She asked me if I have a home, auto, bank loan who provided the loan the amount of the loan and the payments I make. I told her the only loan I have is student loans and I have multiple accounts. She then asked how much is the loan I told her it's over sixty thousand dollars in loans I do not know the exact amount. I then asked to be transferred to someone else and then the next rep told me I would have to tell them account numbers and amount for each loan I have to verify my identity. I then stated I was reporting them because that is completely outlandish way of asking a person verify their identity. She then stated she was checking the online account and also stated she did not XX/XX/XXXXlocked. but I got off the phone and let her know I was reporting them for withholding my credit report.
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) Experian, XXXX, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} and XXXX XXXX XXXXXXXX XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00} 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 XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my reports for thorough investigation of fraudulent accounts reported on my credit history that is causing threatening acts towards my livelihood. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. This is now my second attempt at requesting these accounts to be removed from my credit history!
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX 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/year>
Product: Checking or savings account

I had a unauthorized charge on XX/XX/year> had two previous ones for XXXX and they issued my temp credits for that as they investigate I need the same done now cuz that wasnt right at all and they shouldnt have me waiting this long
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received the attached credit report today and both the JPMCB Home Lending " accounts '' should have been closed. The foreclosure sale was ILLEGAL based on falsified/forged documents as far back as XX/XX/XXXX. Neither of these accounts technically exist and this " Chase '' ( JPMCB Home Lending ) alias company, is trying to wear me down to admit that they do exist when there is NO Mortgage and NO promissory Note that is original. It was proven on XX/XX/XXXX when my document expert evaluated the FAKE documents. There should be NO derogatory accounts listed on Any of my credit reports. The attached XXXX credit report shows this wrongfully reported. I will attach the document experts affidavit showing that the Mortgage And Promissory Note being used to ILLEGALLY foreclose on my home are false/forged do not exist and the foreclosure is ILLEGAL. This bank can not legally foreclose NOR collect with false/forged documents!!
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and found some errors relating to my payment history on some accounts. The credit reporting agencies have the responsibility to report accurate information. I have never been late on ( XXXX XXXX XXXX, XXXX ), XXXX XXXX XXXX XXXX, XXXX ). Please remove these errors and the late payments.
Product: Checking or savings account

I opened an account with Bank of America two years ago. A minimum balance requirement was part of the opening agreement to avoid monthly fees. Subsequently, and without my knowledge or agreement, the bank began to charge monthly fees to the account even though I continued to maintain the minimum required balance. When I contacted the bank they refused to honor the original agreement, and claimed that suddenly they had the right to charge monthly fees. As part of this assertion, they claimed that they had unilaterally updated the account agreement, and sent me a notice about their decision. I never received the notice, but more importantly, I don't recall ever doing business with somebody that can just suddenly change account agreement terms. My money has essentially been stolen from me. Additionally, it seems I now need to spend more time moving the account, and so my time has been taken from me as well. Please help me to recoup my fees. This behavior seems illegal. Thank you.
Product: Checking or savings account

On XX/XX/year>, I submitted a wire from my online account. I was under the impression given the bank 's procedures that I would be receiving a verification call or email to confirm the details, but XXXX was not received. This seems like a huge laps in controls at the institution given the wire fraud in the financial space right now, and I am concerned that internal controls has not detected this. It makes me weary to put funds back in knowing that they do not have a dual factor authentication method for wires as a line of defense. I am also concerned that I can not create further security controls on my account to prevent risk of funds loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$86000.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$710000.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00}
Product: Mortgage

Mr. Cooper/ XXXX XXXX is who we have our home thru. We have struggled with payments. My husband has now had XXXX XXXX  and I XXXX XXXX XXXX in XXXX of this year. We had planned on coming off of that forbearance then... we didn't know then what was ahead of us. It would have been the same thing as told to us now back in XXXX of XXXX. We had managed to be get our payments caught up minus 700 etc. In XXXX So when I called that day to pay that bill they offered us the forbearance. Telling us it was help that was offered for people like us and that would get us over the hump. Not one time was it mention that if we didn't pay the XXXX that we couldn't refinance when we come off of the forbearance. Are put the money we owed at the end. All of this was mention that things we would do when we first started the forbearance. We or myself was glad to pay XXXX cause we had struggled and made it. We never knew that we weren't going to be able to keep our home. I think it was the XXXX or in the time frame that I called Mr.Cooper to tell them we were ready to come off of the forbearance. Then on the XXXX a man called and told us they couldn't help us with a modification cause we had use it up in the past an we couldn't refinance cause we were behind when we started the forbearance. They weren't able to help us at all. The best thing I could do was to pay the behind amount .... 12,000 or at least 10,000 ... or do a short sale on our home. The first man was really smart to me and he enjoyed telling me we were losing our home. Ten I called later that night and spoke to another man same thing I am sorry there is nothing we can do to help you.. I don't have XXXX or no way to get it. I said we had the money to pay and we were told we didn't need to. The girl said we didn't have to cause we were doing the forbearance. I was happy cause we could get help. Now they says if we don't pay our behind amount we lose it to foreclosure in about 2 months and 3 weeks. I had called and tried everything I can possibly do to save out home. I even called XXXX XXXX and nothing there to help us. I offer to pay them XXXX towards our behind money but they said no. I am XXXX and my husband is XXXX we don't won't to lose our home. We have pets. We love our pets. We don't don't know what to do about getting a new mortgage or refinancing our home. I have asked my son to buy it so we can keep it. It was wrong to ask for the forbearance. We loss our other home to a fire. We bought this one afterwards. I am XXXX and I am working part time to help us. It hard to work cause of my hip. No matter what I try and do Mr.Cooper refuses to help us ... and never will XXXX XXXX. I have since learned that Mr. Cooper has stole other people 's homes. It's not right. If they had said go ahead and pay that XXXX then I would have and I would have my house refinanced now or that is what they have lead me to believe. I am scared, beeen a rough week worrying about losing our home. Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have several inquiries on my report from companies, I didnt authorize. 

Barcalays Bank Delaware on XX/XX/XXXX XXXX ON XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX Ive reached out multiple times no resolution was provided.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX 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: Student loan

I received loans to go to school at XXXX. They closed before I was able to complete my degree. Navient started calling in collection notices before my alloted time to be in school was over ( the XXXX months you are allowed to be outside of school before collection begins ). Since none of the schools I could transfer credits to had the degree plan I was originally working towards, I decided to get my loans discharged. Since I filed with Navient they have been running me around, saying that something was n't filed XXXX time, that I was n't in school long enough to qualify for loan discharge - which I clearly was - and generally saying anything they can to deny my clear legal right to have my loans discharged. I was able to get them to allow a period of time before I started paying, which I have no plans of doing, in which I will be seeking legal consultation if possible on what to do. In the mean time, they are holding my credit XXXX and are suggesting that I file bankruptcy since I ca n't pay these loans. Navient is the worst and needs to be shut down!
Product: Credit reporting or other personal consumer reports

There numerous inquiries that I never authorized which is fraudulent! 

XXXX. COAF XXXX 
Date reported XXXX XXXX XXXXCOAF XXXX
Reported XXXX XXXX XXXX  COAF XXXX  Reported XXXX XXXX
4. COAF XXXX  Reported XXXX XXXX XXXX Capital one bank USA na XXXX XXXX  capital one Dr
Reported XXXX XXXX XXXX. Capital One bank
XXXX  XXXX  capital one Dr
Reported XXXX XXXX
Product: Credit reporting or other personal consumer reports

numberous problems establishing any lines. Of credit. due to false information bein. Reported to credit bureau. placed on my account for years l tryed to remove this information from off. Credit Bureau. Have Hired credit specialists company .whom has also asked to please remove these on going these on going Disputes these companies been paid in full.. Or incorrect information that suppose be removed also these collections agencies asking for Same amount money these collections agencies request been paid. When ever l try to establish credit for houseing And Also car l Am denied. due to reporting from XXXX TransUnion report company. Due to on years Asking to delete off account l Don't owes or invalid information being reported after proven information not accurate this information still remains on credit bureau. I need house to live and a car to get area due to areas l live no transportation DENIED.
Product: Debt collection

I started receiving letters, emails, and calls from this creditor in regard to a debt that they claimed I owe. After facing financial hardships, I was unable to keep up with credit card bills. Soon after, my accounts were closed and I was denied access to see any information regarding the account. I had no way to validate the accuracy of the information that this institution claimed I owed. 

On XX/XX/year> I sent American Express Company, also known as " American Express '', a debt validation letter requesting evidence of contracts, billing statements, plus any securities generated behind the scenes, tax benefits taken, charge offs ( which are income ), and discounts in selling the alleged debt. 

American Express did not respond. On XX/XX/year>, I sent them a Notice of Fault and Opportunity to Cure to try to resolve the matter. 

American Express did not respond. On XX/XX/year>, I sent a Notice of Default letter. I have not received any of the information that Ive requested. 

Due to the invalidation and unlawful collection of this debt, they have caused harm and injury to me, constituting violations of the Fair Debt Collection Practices Act ( FDCPA ) and warranting damages of at least {$1000.00}.
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/2019, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports reported by Nationwide Recovery Service by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and to XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I was supposed to receive responses to my requests by XX/XX/2019. To date, Nationwide Recovery Service is reporting false information to my credit bureaus. Therefore, I expect this account will be removed from my credit files immediately. Thank you for your prompt attention to this matter.
Product: Mortgage

We refinanced our home on XX/XX/XXXX. Upon closing our documents read the first payment would be due on XX/XX/XXXX. We our first loan doc in the mail on XX/XX/XXXX from our new mortgage holder CMG mortgage inc had a due date of XX/XX/XXXX. We called to verify if we needed to make a payment for XXXX because our closing docs stated a first payment date would be due that month. A representative from CMG mortgage inc told us on the phone that no payment was due in XXXX and dont worry about making a payment until XX/XX/XXXX. This is also what our first statement read - payment due date - XX/XX/XXXX When we called to make what we thought was our first payment for XXXX we were told we were already a month behind and now need to make two payments. Again the only statement we received had a due date of XX/XX/XXXX and this was verbally confirmed from CMG Mortgage Inc. I believe this was very misleading and CMG Mortgage inc was unwilling to move the payment to the  back of the loan or do anything for this situation other than state we needed to make both payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Ive been working to resolve an issue with Experian since XX/XX/XXXX. A company I financed a loan with reported my correct address, but my incorrect zip code. I contacted Experian ( and the loan company ) to fix this issue. The loan company fixed it in 1 phone call. The agent I spoke with under Experian was kind and friendly and said it would take 48-72 hours to resolve. 4 days later, when the issue was still present on my report, I called again. Another friendly agent said theyd help and to wait 48-72 hours. 4 days later, the issue was still present. I spoke with Experian on the phone regarding this same issue on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Somewhere along the way, an agent deleted my entire correct address. Now, instead of my report reading just an incorrect zip code, it has an address that is not even in the right state anymore. Ive spoken to a dozen agents and at least XXXX managers, have been promised calls back multiple times ( and they never call back ), and everytime I ask to speak to a manager they connect me to a different department that says they can not help me with my issue. At this point, I can not get approved for a loan, house, or even a savings account because my credit bureau doesnt match my actual residential address. I can not get ahold of anyone that will help and I have lost hope. I have no idea how to resolve this issue. Someone please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report is stating that the accounts is charged off and closed. The accounts that I 'm referring to is with  XXXX   XXXX   ( No  contract with ),  XXXX   XXXX  and   XXXX   XXXX  . I reached out to Transunion several times no account validation and account removal. This company is causing me financial hardships as it 's reported on my credit which is making it difficult for creditworthiness. I would like this item deleted of my credit report in fairness of my rights with the law and regulations of the FCRA.