23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear Consumer Financial Protection Bureau : I have decided to do my own form of bankruptcy program, since my spouse and I have accumulated a great deal of debt over the years paying for our children to finish college and graduate school, as well maintaining our home. Accordingly, we request a " Cease & Desist '' on any calls to our home or work while we work out our financial matters. We will be from this going forward until the end of XXXX XXXX will be eliminating no less than a dozen lines of credit, as well as the balances on our vehicles. This in turn will eliminate over {$4000.00} in monthly charges that we can eventually apply to any unpaid credit balances, either by settlement or reinstatement. We will place all our student loans in deferment until we can attack these debts one by one. Our second mortgage will be maintained as current, but our first mortgage must go into default until XXXX of XXXX. At that time, we can start making mortgage payments and wish to place the arrearages on the back end of our mortgage. We did have plans on selling our home by the end of XXXX. Our program will work better than any bankruptcy plan that a Chapter XXXX would procure. Therefore, since we know what we are attempting, we do not desire collection calls to our home or work. We will communicate in written form only, and we believe that our program will work out as planned. We do not desire any foreclosure action on our first mortgage as our intentions are pure to start making payments starting XXXX XXXX without exception. Therefore, we desire a complete " Cease & Desist '' on all calls immediately. Thank you for your consideration in this matter as we have submitted written request to our creditors, but the " Cease & Desist '' has been neglected.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I 've been receiving notification of my credit report about inquiries. I did not apply for these accounts or business, I 've contacted both parties and they do n't help. I 'm trying to fix my credit and with this isssue it will be a disaster if this keeps going on. I only have one credit card and no loans or anything else. I have a XXXX XXXX XXXX XXXX Credit Card and nothing else. No need more.. Please help me. I do n't need no more credit. I think I 'm an Suspect Victim of Identity Theft. 

I would like my persoanl information updated as well, because my mother has the same name and I believe her information has been mixed up with my information. 

My personal information shoule be as listed below : Name : XXXX XXXX XXXX Address:XXXX XXXX XXXX XXXX XXXX NC XXXX Phone : ( XXXX ) XXXX Employer : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my Trans Union score went down 14 points the only thing that changed is it cording to them was a new account for {$500.00} it only increased my credit usage to 33 % up 1 % and that is still good the other three credit companies XXXX experience and XXXX have my credit score 45 points higher I have contacted them numerous times they are no help whatsoever it is ridiculous going down 14 points in one day but it still be 45
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus on several occasions over the duration of approximately 3 months. I have insisted that several inquiries made on my credit report between the dates of XX/XX/XXXX-XX/XX/XXXX were not authorized inquiries. I advised the credit bureau that the only inquiries that were valid during that time frame were from XXXX, otherwise known as XXXX XXXX XXXX XXXX. I demanded removal of said items due to them not being authorized and was informed by the bureau that I would just have to " wait the 25 months '' for them to be automatically removed. After several attempts at disputing the information, I noticed that my disputes were opened on the day of the call, and almost immediately closed before 24 hours had even lapsed. This credit bureau has not truly investigated my dispute, because if they had, they would find that these companies have no authorization from myself to obtain a copy of my credit report. The credit bureau has also stated that there is NOTHING that can be done about lenders falsely obtaining my credit report.

XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX )XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX )XX/XX/XXXX
Product: Vehicle loan or lease

I purchased a 2024 XXXX and it was financed by XXXX XXXX. I was a former bankrupt but I had to have a dependable vehicle so to me their terms were predatory knowing I couldnt go anywhere else the rate was XX/XX/XXXX and my payments are XXXX on a XXXX dollar car. I dont run that late on a payment but they will call XXXX to XXXX times in a 7 day period
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNER ( 15 USC 1681 ) governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). ( 15 USC 1681 ( SECTION 604 SECTION 2 ) ( it also states a consumer reporting agency can not furnish an account without my written instructions under ( 15 USCS 1666b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I REQUEST THAT THIS ACCOUNT UPDATE AS ( PAID/NEVER LATE )
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft XXXX hard inquirys on my credit reports that shouldnt be on there be companys names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .all these companys pulled my credit without my knowledge
Product: Credit reporting or other personal consumer reports

It is evident that your company failed to conduct a thorough investigation into my dispute. I want to emphasize that I have a legal right to request substantiating evidence for this alleged item, notably the original application, item, or contract that bears my signature.

Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), it is explicitly stated that a failure to investigate these matters within a 30-day timeframe provides sufficient grounds for the immediate removal of these items from my credit report. As it has been more than 30 days since my initial dispute, it is evident that this matter is in clear violation of the FCRA.

In light of these legal provisions, I hereby demand the immediate deletion of this disputed item from my credit report to bring it into compliance with federal law.
Product: Credit card or prepaid card

Between XX/XX/XXXX and XX/XX/XXXX, a series of purchases were made from someone elses XXXX  account using my Chase/XXXX  Rewards card . In total, there were nearly XXXX XXXX small transactions, adding up to a sum of almost {$6000.00} during this time period. Since these were all small transactions, I did not take notice of them, and I only noticed them in XXXX of this year, at which time I immediately notified the fraud department at Chase Card Services. 

The fraud investigation at Chase was unable to make contact with XXXX and did not receive a response from XXXX. Because it could not contact XXXX regarding these unauthorized charges, the fraud department concluded that since the merchant ( XXXX ) could not be reached and since I have been a customer of XXXX for a long time, the fraud case should be closed and not further investigated. I have this on a voice recording from my XX/XX/XXXX phone conversation with the Chase fraud department and would be happy to forward you a copy of the recording. 

The above response from Chase is simply unacceptable. Just because Chase can not make contact with XXXX does not invalidate my complaint. Furthermore, the fact that I have a history of purchases from XXXX does not invalidate my complaint either. The card that Chase has issued is branded as the Chase/XXXX  XXXX XXXX XXXX Therefore, not only are holders of this card expected to have a history of purchases with XXXX, but it is expected from Chase to be able to make contact with XXXX to confirm that the unauthorized purchases charged to my card were not made from my XXXX account but from someone elses XXXX account. These are the most basic elements of a dispute investigation that any financial institution is expected to complete before closing a complaint case such as mine. 

Given the poorly executed investigation work done by Chase, I took the initiative to contact XXXX myself in XXXX of this year. On two separate occasions, on the phone, I asked the XXXX representative to run some of the XXXX order numbers in dispute, and in both cases, the person confirmed on the phone that the purchases were NOT from my account. I have these conversations recorded. I have also filed a police report related to this case and am attaching it to this complaint.
Product: Mortgage

My loan was sold to Nationstar. At the time there was a {$1400.00} escrow surplus. However after one month, NS sent a letter stating that an audit revealed I had a shortage of {$500.00} and my pymt. needed to increase by {$40.00} a month. I disputed this via an a customer service rep. who said she would investigate. I never heard from her again. NS let the matter drop until XXXX of this year when an audit revealed I now had a {$2400.00} shortage. And my new pymt. was to increase by {$300.00} month. 
I disputed the math and the amount and asked to have a senior level person speak with me. I did this through the NS website in an email. A person did call. We spoke and i sent an XXXX page fax with my supporting documentation. I followed up with this person 11 days later. Heard nothing. Called again 4 days later and left a message. Heard nothing. 
I called the corporate office to complain, explain and ask for a senior level person to call me. I was assured that someone would. Heard nothing. 
Sent a certified letter with dates, names and broken promises to the CEO. Heard nothing yet. 
All the while customer service hounds me with phone calls to pay up. The loan has been put into default, they are threatening to begin foreclosure proceedingsand have stopped sending me hard copies of my monthly statement. 
I called today to demand that a hard copy be sent ASAP of the current month. I was told that I 'd been set up for email copies only. Ever since the loan was sent to NS, I 've always received hard copies, not once has a monthly statement been sent to me. I asked when the email copy was set up and I was told they could n't tell me. 
Each and every time customer service calls me I ask to speak to a senior person. I 've requested this multiple times via the NS secure message center. 
They do not respond except that very first time. Since then, they refuse to offer any help other than a payment plan. 
I am at a loss as to what to do next. It appears to me that NS has set up it 's departments with walls so that information can not be exchanged and thus problems do not get resolved. 
I went through similar issue with XXXX and it took 14 months to resolve. And the main reason XXXX cleared up the issue, ( they created ) is that I caught them in a lie. 
MY credit score is very, very high, I take my financial responsibilities very seriously. I do n't abuse my credit and I pay all my bills in full and on time. 
This makes it all the more frustrating to deal with NS. 
Thank you. 
XXXX XXXX
Product: Credit card

A lady named XXXX XXXX called me from Chase Bank stating a new Chase Freedom Credit card was opened in my name for {$9500.00} in North Carolina. XXXX stated the card was used but charges are being disputed and the account has been terminated. She said it looks like Im a victim of identity theft. She gave me this reference number as well XXXX but not sure what that number is a reference to. She attempted to transfer my call to the Consumer Financial Protection Bureau and the call was disconnected. I have not been able to reconnect. I have not been in North Carolina and did not open this account.
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and noticed a fraudulent inquiry and erroneous personal information that needs to be immediately deleted.

Pursuant to 15 USC 1681c-2, I DID NOT originate or authorize this inquiry. Pursuant to 15 USC 1681s-2 and 15 USC 1681e ( b ) please update my personal information. DELETE FORMER NAME : XXXX XXXX. DELETE CURRENT ADDRESS : XXXX XXXX XXXX XXXX ADD CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. DELETE FORMER ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX DELETE EMPLOYER : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX MO. ADD EMPLOYER : XXXX XXXX XXXX XXXX XXXX 
PLEASE SEE ATTACHED IDENTITY THEFT REPORT.
Product: Checking or savings account

On XX/XX/2023 my bank account was debit an unauthorized charge from the company chime. My bank took care of that issue, but it was needed to cancel my bank account and open a different one to avoid more fraudulent transactions. 
XXXX XX/XX/2023 I received a debit card from CHIME that I never requested. investigating their website I learned that in order to open a debit card with this company you need to provide SS number. I checked XXXX, XXXX and XXXX and I don't see. any inquiry ( hard of soft ) in my credit report. I am assuming that this company is opening these accounts without the need requirements. 
I tried to cancel the account, but I am unable to do so. 

THanks
Product: Credit reporting or other personal consumer reports

I recently filed a dispute regarding incorrect information on my credit report. I received an email from the credit bureau stating that they believe the disputes are coming from a third party, which is not the case. I even called them to verify my identity, but they still refused to process my disputes. I feel frustrated, as I spent money mailing my disputes and sent personal information to verify my identity, only for them not to conduct a thorough investigation.I attached the letter, Documents, IdentityTheft report and Power of ATTY. Please delete all the acccounts included on my letter.
Product: Mortgage

I made my XXXX mortgage payment on XX/XX/XXXX. Apparently, due to escrow change, my payment amount had changed so the XX/XX/XXXX payment was short. I made another payment for the difference, which posted on XX/XX/XXXX. I tried to call Mr. Cooper multiple times on XXXX XXXX to get them to apply the two payments to my XX/XX/XXXX payment. It is IMPOSSIBLE to speak to a human being - you just get the phone tree over and over which does not provide an option to apply payments. I tried applying the payments online, but their system gave me an error message. I tried their live chat function but it never connected- it just spun and spun and disconnected. There is no way to communicate with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report.
Product: Debt collection

DISPUTE COLLECTION : ALDOUS AND ASSOCIATES has been verified that the account they are reporting under my name is inaccurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

If this cant be provided, please remove this account off my credit report. I would greatly appreciate it. 
Any automated response, or XXXX verification is unacceptable. I am requesting a re-investigation AND your method of verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. 

The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Under 15 usc 1681b- permissible purpose of consumer reports ( a ) in general, subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances & no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit card

I checked my credit report and noticed a few accounts i did not authorize. Please remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received written correspondence from AvanteUSA that their company have purchased an account that's allegedly associated with my name. The date on the receipt of the letter is marked XX/XX/XXXX. According to the FDCPA I have 30 days to dispute the validity of the debt. I recently checked my credit report and noticed that this account is currently being published on it without proper validation. I also noticed that the alleged amount owed in the letter is different than what's on my credit report. This unverified and inaccurate account is drastically affecting my credit worthiness and stopping me from receiving funding during this pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the following inquires on my transunion report : XXXX XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX I have contacted transunion and the lender who was of no help removing these inquiries from my report and it is adversely affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection for XXXX XXXX XXXX XXXX was disputed and erased from my credit report after several attempts and now the collection has been put back on my credit report again.
Product: Vehicle loan or lease

I have a XXXX XXXX XXXX I was originally leasing the XXXX  from XXXX XXXX, we were coming to the end of the lease and instead of turning in the vehicle we opted to get a loan to fund the purchase. I received the buyout statement ; I read XXXX 's terms and it seemed very straightforward. Bank of America was the lender for the loan. I went to go add BofA as a Lien holder to the title which I received this week. None of the documents showed that any taxes had to be paid in one document that I received from BofA, there's no mention of the taxes. I though that all taxes would have been calculated into the buyout fee and no one ever at Bank of America either mentioned verbally or in advance of the loan, prior to contract execution that I would have to pay the taxes or even given the option to add, if it were needed, the taxes as part of the loan that BofA would extend to me. 

When I went to XXXX  of XXXX California to add BofA as a Lien Holder, I was informed then and only then that I had to pay {$2000.00} in taxes. 

BofA never said when financing the loan that I would have to pay said taxes. It's only in the fine print that I may have to pay a tax, but there was no disclosure made to me what the taxes would be and nor was given the option to have those taxes included as part of the loan. Now I am stuck with paying out of pocket {$2000.00}. This is an unfair and nontransparent practice. Transparency was not afforded to me. And would want XXXX and/or Bank of America to refund me the amount in taxes as fair lending practices were not that. Had I know that I would have had to pay {$2000.00} I would have not gotten the loan or would have negotiated that as part of the loan from BofA
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received letter from XXXX XXXX XXXX. Informing me they rececently have received inquiry about my dispute of mortgage loan being paid off in full by me. That being reported my mortgage still showing open as being delinquent in payments and foreclosure on my credit report through XXXX, XXXX and TransUnion that causing my credit scores not to increase.
Product: Debt collection

On XX/XX/year> I took my daughter, XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was led to believe it would be urgent care pricing copay and other services would be charged the same if needed. I ended up receiving a bill for {$1700.00}. Please see attached documents relevant to this case. 

XXXX. XXXX response after seeing bill XXXX. Copy of most recent bill XXXX. Progressive management letter back to me with their clients response. It does state on their letter they could have been looking at incorrect information.! 

XXXX. XXXX search for urgent cares and progression when hit search locations and then on the left XXXX XXXX comes up. You can see how I thought it was an urgent care and confirmed copay pricing from them too.!
Product: Bank account or service

I was invited by Citibank to start my CitiGold relationship and earn a {$500.00} cash bonus under promotion code XXXX. During the past six months after I opened my CitiGold account, I have written confirmation from XXXX different CitiGold Customer Service representatives ( attached References XXXX, XXXX, XXXX ), whom also received confirmation from Citibank New Account Servicing ( NAS ) that indeed my CitiGold account was opened under and eligible for the {$500.00} cash bonus promotion XXXX. As required for the promotion, I completed my {$50000.00} deposit on XXXX XXXX, 2016 and held the funds in my account for 30 calendar days through XXXX XXXX, 2016 when my 90 day wait time began. My 90 days ended on XXXX XXXX, 2016. My savings amounting to over {$50000.00} has been tied down to this account for six months now with repeated assurances that I was eligible and would be receiving the {$500.00} cash bonus by XXXX XXXX, 2016. Citibank needs to immediately resolve the matter and deposit the {$500.00} cash bonus due to me.
Product: Credit reporting or other personal consumer reports

Subject : Request to Remove Inaccurate or Unverifiable Information from Credit Report Dear Consumer Financial Protection Bureau, Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am writing to dispute certain inaccurate or unverifiable information on my credit report. Per 15 U.S.C. 1681i, consumer reporting agencies are required to investigate and promptly correct or remove any inaccurate, incomplete, or unverifiable information. 
The following items on my credit report are incorrect and should be removed immediately Experian/Equifax/TransUnion
Product: Credit reporting or other personal consumer reports

Reviewed my consumer reports and noticed that I had two 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 Accuracy. I have never been late on payments for the account Bank RI please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks