23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage that was bought by Greentree and then Ditech. I pay my mortgage monthly by auto-payment with my credit union. I pay early by 2 weeks and I also pay over the Principal and Interest. On XXXX XXXX 2015 I paid for XXXX. Ditech put all of the money toward principal instead of making my mortgage payment. They then claimed I was late and started charging me late fees. I called Ditech on XXXX XXXX 2015. I also emailed them. During the phone call they said that they could n't fix it! They then tried to send me a check for the late fees. I told them NO I wanted it all fixed retroactively and the funds applied correctly. The supervisor came on and then said they would fix it in a week. It is now XXXX XXXX 2015 and it is still not fixed. Ditech has failed to fix the problem and the latest payment info shows that they have failed to correctly credit my account. They are also not applying the interest on my mortgage correctly. Ditech has committed fraud with my mortgage and is failing to credit my account correctly. I want my account fixed retroactively with correct credit on interest, especially when I pay additional on the principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX that listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want their alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Formal Demand to Validate Unauthorized Credit Inquiry I am writing to address a credit inquiry from your company dated XX/XX/year>XXXX  on my credit report. I do not recognize this inquiry, nor have I authorized XXXX XXXX to access my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681b, you are required to have permissible purpose before obtaining my consumer credit report. Which I did NOT provide. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to provide proof that you had a permissible purpose to obtain my credit information. I demand that you provide the following documentation immediately : 1. Proof of my explicit authorization for this inquiry, including any signed agreements or consent forms bearing the XXXX XXXX name. 
2. A detailed explanation of the purpose of the inquiry and the basis on which it was made to XXXX XXXX. 
3. The name and contact information of the individual or department within XXXX XXXX responsible for initiating this inquiry. 

If you can not provide the requested documentation proving that this inquiry was legally authorized, you must take immediate steps to : Remove the inquiry from my credit file. 
Notify all credit reporting agencies of the correction. 
Confirm in writing that these actions have been completed. 

Failing to respond to this request or refusing to provide proper validation will result in formal complaint being filed to the State Attorney Generals office and the Federal Trade Commission ( FTC ), and potentially pursue legal action for violations of my consumer rights. This unauthorized inquiry has damaged my creditworthiness and constitutes a serious breach of federal law. I expect your response within 15 calendar days of receipt of this letter. Ignoring this matter will only escalate the issue further. Consider this my final attempt to resolve this issue directly with your company before taking legal and regulatory action.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXXredit File was infested with inaccurate and fraudulent accounts and information being reported without ny authority nor knowledge. I am submitting this Complaint to reqest that the Credit Reporting Agencies remove the disputed accounts and information off of my Credit file, in accordance with the Fair Credit reporting act section 605b. Any and all fraudulent items should be rmeoved from my Credit file. Please remove the following items off of my Credit file as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022. These items have no rights to be reported on my Credit File, and I need the Credit Reporting Agencies to remove these items as efficient as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting three accounts on my credit that do not belong to me. Two of the accounts are under the company " XXXX XXXX '' and the third account is under the name " XXXX XXXX ''. The account numbers are " XXXX '', " XXXX '', and " XXXX ''. I have sent disputes to delete these accounts from my report on XX/XX/17, XX/XX/17, XX/XX/17 and nothing has been done to properly address my concerns. I have only received generic letters from the bureau telling me the information has been verified and that I need to call these companies. I am filing this complaint because I have already spoken to these companies and they can not pull up records that match my personal information. The credit bureau is placing other persons ' accounts on my credit and it is most likely due to my common name. I am not the XXXX XXXX who opened these accounts, I do not have unpaid debts with these companies and I have never received any bills or mail from them in the past.
Product: Debt collection

I would like a full investigation into this company and their practice of stealing!
Product: Credit reporting or other personal consumer reports

I looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : XXXX XXXX : [ XXXX ] and XXXX XXXX [ XXXX ]. Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.
Product: Debt collection

Sent multiple letters disputing the alleged debt from XXXX the creditor Equifax allegedly stated the debt was verified as accurate I asked for a full re-investingation, proof of investigation that I owe this alleged debt if this couldnt be provided to delete the collections allegedly
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I am a XXXX y/o XXXX individual. In XX/XX/XXXX My passport was stolen and the US embassy assisted me in getting back across the border back into the USA. As I stated I am XXXX and was told that they would take 10 % or {$50.00} dollars out of my SSI check each month to repay the debt. As the debt and its origins are more than 7 years ago I requested it be removed from my credit report filing both disputes with equifax and also XXXX to get to equifax. They have renewed it several times appearing as a new debt. the original reporting was in XX/XX/XXXX to XXXX equifax and XXXX  of which I requested removal it was not removed. In XX/XX/XXXX again I requested removal and they either the us Treasury or the 3 bureaus keep changing the origin date and or the amount + the date and today it again was placed as a new debt this is today on equifax : " New Bank/Credit Card XXXX XXXX XXXX XXXX XXXX reported a new account on your Equifax Credit Report. 
New Account Alerts notify you when a new account is added to your credit report. 

Alert Details Alert Date XX/XX/XXXX Source Equifax Company XXXX XXXX XXXX XXXX XXXX   Address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AL XXXX Balance {$840.00} '' The original balance was {$420.00} It has been on report for more than 7 years. 
I only have proof as far back as XX/XX/XXXX but if you request proof of my signature you will find the dates to be XX/XX/XXXX This is the only derogatory remark on my credit and I have excellent credit otherwise. You can see by the credit report attachments that the original open date keeps changing as well as the amount of the debt at first XX/XX/XXXX the XX/XX/XXXX and now XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

Flexshopper charged me for items that I DID NOT order and expected me to pay with an insanely high interest rate and shipping cost. They would not believe me that I did not order these products. Total scam and they said that what I did order would be repo 'd and they would be sending " large '' men " in my area '' to come get them and I better have it all ready. 
I am not a small lady, nearly XXXX ft, but I am no match for the goons they were threatening me with. I was totally fine with returning and relinquishing those products to them though. Also happy for them to prepay shipping back, but I told them I could not prepay and they could take it out of my refund. They would not work with me. 
Anyway the " goons '' never showed up and this overinflated debt has been on my credit for at least a decade now. They would harrass me for at least 3 or 4 years and I tried to work with them. I got so depressed and felt like a theif, but I did not even have half of the merchandise they accused me of having.
Product: Debt collection

EASTERN ACCOUNT SYSTEM, INC. has collected a debt from in the amount XXXX. I have paid this debt to them and have requested that they update my credit report showing that the debt has been paid. I have filed 3 disputes to get this corrected on my credit report and EAS keeps verifying that the debt is still owed to the credit burrows.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt authorize the inquiry from Bank of America . They pulled my report an I was never there or authorize a inquiry. My brother was at bank trying to open business account. Never did they ask him about running my credit.
Product: Student loan

I was on an Income Based Repayment plan in XX/XX/XXXX with AES. In XX/XX/XXXX I had to submit new paperwork for a XXXX Income based repayment plan which was submitted on XX/XX/XXXX. On XX/XX/XXXX I lost my job. I called AES and the person I spoke to said I could file an  emergency application due to unemployment. That request was approved and my monthly payment was set at {$0.00}. I logged on to my AES account today and it showed that I am 25 days past due on {$150.00} + {$9.00} on a late fee. I called to ask how I could possibly be late on a payment since I was unemployed since XX/XX/XXXX, and was approved for an emergency recalculation of income based repayment that was set at {$0.00}. They said that because the original application that was submitted on XX/XX/XXXX was approved before the emergency application, I owe for XX/XX/XXXX 's  payment. That is ridiculous. 

2 separate AES representatives refused to correct their errors.
Product: Credit card or prepaid card

I have received 2 fraudulent cash app cards in the last 2 weeks. I requested initially to have my social security number blocked on all accounts and from opening future accounts, this has not yet happened. If my current account must be deleted I understand. The company is hard to get on the phone, phone reps require you to add a debit card for verification even though they have a picture of my ID and I get bounced around to different people and no one can close the cards. The response I get is we have escalated your complaint and we are currently working on it. This is unacceptable, any time fraudulent cards have been opened in my name they have been shut down within 10 mins of calling customer service. The manager takes 24 hrs plus to respond to emails as that is the only way of contacting upper management.
Product: Mortgage

On XX/XX/year>, I applied for a primary home mortgage with Citibank for {$1.00} XXXX, with a scheduled closing date of XX/XX/year>. 

The loan was conditionally approved by Citibank 's underwriter on XX/XX/year>, just seven days before closing, contingent upon fulfilling a few conditions. I promptly met all these conditions by providing the required documents. 

However, on the day of closing, XX/XX/year>, after all requested documentation was provided, Citibank 's underwriter reversed the decision, alleging that my loan no longer qualified as a primary home mortgage. The underwriter accused me of withholding key information regarding a separate property I had purchased with cash on XX/XX/year>, and claimed I did not disclose this during the loan process. 

These allegations are completely false and damaging. I provided the information via email with explicit mention of the purchase being made using cash and held under an XXXX on XX/XX/year>. Later, as Citibank requested further explanation, I explicitly clarified that this was an investment property and that it was currently in distressed condition and not livable as a primary home. On XX/XX/XXXX and XX/XX/XXXX, I provided a signed letter explaining the situation along with photos of the property 's conditions as further evidence. 

Citibanks conduct throughout this process has been unacceptable. Despite having 30 days to process and evaluate my loan application, Citibank waited until the day of closing, XX/XX/year>, to notify me of this drastic change after a conditional approval, leaving me with no time or recourse to address the issue. The claim that I withheld key information about the cash purchase of a separate property on XX/XX/year>, is completely unfounded, as I had disclosed this information upfront on XX/XX/year>, and provided additional details as requested by Citibank. Despite providing clear evidence, including proof that my current residence had been rented out with a signed lease and proof of rent payment, Citibank unreasonably determined that my new property did not qualify as a primary home. The reversal of the conditional approval on the very day of closing is particularly egregious, as it left me with no option but to face significant financial losses and the potential loss of shelter. 

This abrupt and unfounded reversal of the loan decision has caused immense stress and significant financial damage. I was fully prepared to move into the new home, and my current residence had already been rented out. Now, the seller of the new property is demanding penalty fees due to the missed closing date and has issued a demand letter to close within 3 days. If the transaction does not close in time, I stand to forfeit my earnest money deposit of {$45000.00}. This situation has left me facing the potential loss of shelter and additional financial burdens.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

As of XX/XX/XXXX I had applied for the Goodyear credit card application from XXXX through citiBank my reference number : XXXX in financing my car repair total. In which I came to find I was surprisingly denied when proper exchange of my application/security was given to the creditor citiBank email received XX/XX/XXXX of XXXX. However, how is this so when proper exchange was given for the valuable consideration or the credit card I am rightfully owed for giving a security? ( my credit application in exchange was given. ) As stated from UCC 3-303. VALUE AND CONSIDERATION ( 1 ). The instrument is issued or transferred for a promise of performance, to the extent the promise has been performed ; In this case, CitiBank the creditor with the Goodyear credit card is to be GIVEN for this exchange as Valuable consideration a part of this Exchange per UCC 3-303. VALUE AND CONSIDERATION ( 1 ). Is dishonoredIn this i demand my credit card to be sent to me in complete acceptance as this exchange was done in COMPLETE good faith yet completely dishonored by CitiBank. through the giving of my application ( being a security ) in receiving the valuable consideration of my Goodyear credit card, exchanged on my end for my security ( credit application given in exchange ). With this I DEMAND the Goodyear credit card be accepted and given fairly. As the credit application is a contractual agreement between myself, the individual ( the applicant ) and a credit card issuer ( CitiBank ) with the valuable consideration properly given and upheld.
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX Credit Card that is through Comenity Capital Bank. I made a purchase on a no interest plan using this card. I have done this numerous times in the past and have always paid my card on time and ahead of schedule. All of my payments exceeded the minium payment due. My card balance has two such plans for purchases at different times. I utilize their website to make my payments. I logged on to check the current balance today ( XX/XX/XXXX ) and realized my account balance went up by approximately {$500.00}. I made the purchase XX/XX/XXXX and the promotional balance expired on XX/XX/XXXX. I was surprised that there was not a notice on the website when I logged into make my last payment that warned me my promotional balance was about to expire. I would assume based on all the consumer protection laws that they would be required to notify the consumer of such an event. I was surprised to learn that they do not feel they need to have it online and I find the practice to be deceptive and not in the consumers best interest. I called and spoke to a customer service representative and then to a supervisor to voice my concern. I was told by the supervisor that they do not notify other than an item listed on the monthly statement of when the promotional balance will expire. I explained that while that is great if you use the paper statement that most people go paperless and that, as a company they really push paperless statements. I have several store credit cards from them and every time you log in it asks and recommends you go paperless. So I told her if they are going to push everyone into going paperless they should put a warning online when a promotion is about to end. She let me know that the statements were online and that I could have reviewed them. I do not think something like that should require you to click extra items and that it should come up as a warning when you log in to pay. I told the supervisor I found this practice to be deceiving and against the consumer credit laws that are available to protect the consumers. I also let them know that I made next months payment along with the remaining {$340.00} that was outstanding on the promotional balance today and asked them to help with the finance charges added. Both employees told me there is nothing they can do about the {$500.00} in interest that was added to my account. I am reaching out to you to see if you can help with these charges and that you can see to it they change their deceiving practices and add these warning notifications to the account details page on their website so that this does not happen to other people as well. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I applied for a mortgage and was denied. I was told that there were several accounts on my credit that were closed and charged off, and 1 was in collection. I pulled my credit reports and found XXXX accounts that i did not recognize. I spoke with all 3 credit reporting agencies and was told I needed to file a dispute and they would look into the identity theft. I filed disputes asking for verification of the dates and something showing how these accounts were open but all i kept getting told was the debts were verified and would remain on my credit report. On XX/XX/2023 I reported this identity theft to my local Sheriff 's office and submitted to XXXX. Once again despite me having a police report and XXXX failing to provide me with any proof these accounts were opened by me they once again told me these accounts were verified by the companies. I have no knowledge of these accounts and asked they be removed from my credit report but was told on 6 different occasions they were verified but refused to show me how or who verified them. ( XXXX XXXX, {$400.00}, XXXX XXXX  {$100.00} ) Both on XXXX
Product: Credit reporting or other personal consumer reports

I found unauthorized inquiries on my report that do not belong to me.