23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a Modification in   XXXX   XXXX   and the representative tha t Citibank  applied to my loan was not responsive nor did they assist in any way all the way thru to   XXXX   XXXX   I struggled with the loss mitigation department as well as the customer service to try and get a status only to be declined without any reasonable explanation.     Finally in   XXXX   XXXX   I was able to pay the full arrears to bring my mortgage current as per a letter sent from  Citibank 's  foreclosure attorneys  XXXX   XXXX   XXXX . To date I have not received a Discontinuance of the Foreclosure LP nor a Mortgage statement to confirm what my monthly payments are. I have called numerous times,  X/XX/XX ,  X/XX/XX  and  X/XX/XX  without any confirmed date of when I should receive my mortgage statement just a span each time of 10 days.   On   XXXX   XXXX   I received a letter saying I am delinquent again without a monthly payment amount and when I called today   XXXX   XXXX   XXXX   with my lawyer I was told that my mortgage payment was increased and I should receive a statement in 10 days ( again ) detailing what the increase was due to. The escrow department stated the increase was due to negative escrow due which does n't make sense since the reinstatement letter accounted for all that in it 's breakdown.     My monthly payment was {$1600.00} and was reinstated and to date I can not get a mortgage statement reflecting that payment nor an explanation of why they are trying to increase my payment by over {$900.00} per month on a fixed rate loan.
Product: Mortgage

Back in 2009 I noticed after being denied of an auto loan that I was a victim of identity theft. This was brought to my attention when a received a copy of my credit report and noticed that XXXX home loans were completed and issued under my name and social security number. Metlife Home Loans LLC is one of the banks that are currently still holding this account under may name and have refused to remove it even after I have provided them with all of the necessary information to remove this from my name and my credit report. I sent them an affidavit, copies of my XXXX, as well as photo copies of my drivers licence, social security card, and a police report that listed all of the mortgage loans and the fact that they were a direct result of identity theft. It has now been several years that have passed yet I am still dealing with these issues which have made my financial life a very hard one to live.
Product: Debt collection

On Wednesday, XXXX XXXX XXXX I received a call at work from a bill collector that I was unaware of. I 'm not allowed to get calls at work unless it 's family emergency. I ask the man to not call me back at work and if I owed this debt to please send something in writing to my address stating I owed this. On Thursday, XXXX XXXX I received several calls from this same person and due to the calls I was fired today. So if I owed this company anything, they wo n't be getting a dime now due to me losing my job because they kept calling when ask not too!
Product: Credit card or prepaid card

I have received two unsolicited debit MasterCards from Netspend. I have called the company several times using the only phone number they provide but have been unable to speak with a person. The only options are to give the credit card number or my social security number. I am concerned that they will activate the account if I give them the credit card number and I am not willing to give my social security number. 

I spoke to someone at IdentityTheft.gov and they directed me to file a complain but I do not believe this is identity theft. It feels like a scam by Netspend because of their way they make it impossible to speak directly with a human being.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sir/maam, I paid my XXXX XXXX XXXX XXXX credit card account ending in XXXX in full by settlement that XXXX XXXX XXXX XXXX offered me on XXXX XXXX XXXX. This account was opened in XXXX XXXX and last activity was XXXX XXXX. When I went to go by a home this year in XXXX I was shocked when my credit reported showed that XXXX XXXX XXXX XXXX Documented and wrote the debt off as a charge off ruining my credit for years without notifying me. Thus, I paid large amounts more money for all items that I purchased on credit like my family vehicles. This debt was never a charge off. I have requested twice that XXXX XXXX XXXX XXXX, XXXX, XXXX, and TransUnion update my credit report by removing/changing the following by certified mail to no avail : Change any/all charge off codes to their algorithm, the status to be paid only, change balance to {$0.00}, change terms {$0.00}, account was not closed by Grantor request it was closed by my request when they took my money without notification, remove all the late dates, Remove the {$3200.00} written off as did not happen, there should be NO status of any charge off on my credit report. I would willfully volunteer to testify against XXXX XXXX XXXX XXXX. 

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

My information was used for identity theft every credit card was never done by me
Product: Debt collection

I have tried to settle this matter and XXXX XXXX XXXX have ignored every request for verification dated in 2018 XX/XX/XXXX asking for verification and they continued communication and reporting on an unverifiable account until XX/XX/XXXX when they just deleted the account and said nothing they brought the account back the following month and clam it never happened I then sent mail via Certified receipt on XX/XX/XXXX it was received and has not been deleted
Product: Credit reporting or other personal consumer reports

My account amounts on my credit cards and loans have not been updated in 3 months those balances on my car loans and credit cards have not been updated
Product: Credit reporting or other personal consumer reports

I havent used my credit in quite some time. I looked at my credit report recently and found several fraudulent accounts. They are listed in my identity theft affidavit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent to XXXX Account number ( XXXX ) for identity theft. 
After receiving my letter they responded with a letter I will upload. Where my alleged account was sold to XXXX XXXX this company is not showing on my consumer report. Therefore, since XXXX can not verify my account I demand this account be deleted immediately. Everything on my credit should be 100 % accurate. 
15 U.SC 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 resonable cause to believe that the information is inaccurate. 
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX acct # XXXX, XXXX Acct XXXX XXXX, and XXXXXXXX XXXX  acct XXXX XXXX have violated my rights. 

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 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification that a new inquiry was added to my credit profile and I DID NOT apply for a new credit line or account. I am requesting that the following inquiries get removed ASAP as they are negatively effecting my Mortgage decision. I am scheduled to relocate next month and my family and I desperately need this mortgage approval. Please remove them. Thank you in advance for your assistance! 

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

I have read through my credit report provided by you and cant seem to make sense of this data you report. I need your help and would appreciate expedited investigation on this. 

A collection is late by default and therefore can not report a late payment. Remove account for violation. 

XXXX  XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account numberXXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXXXXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ( HIPPA code ) This is a collection/charge off how can there be a late payment on it? This a Violation. Delete this account immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX I booked a Hotel in XXXX for XXXX XXXX. On XX/XX/XXXX & XXXX of XXXX I attempted to reach XXXX through their online portal and was told I could not speak to a representative because my travel was more than 3 days away. On XX/XX/XXXX I contact my bank to start a dispute. The bank issued a temporary refund to my account. As i had only received a temporary refund, on XX/XX/XXXX & XXXX, I attempted to take measures to recoup some of my held funds through a price guarantee with XXXX, both being denied. Due to the temporary refund XXXX cancelled my reservation on XX/XX/XXXX. Then on XX/XX/XXXX my credit card company completed and posted payment for the reservation, charging me in full.
Product: Credit card or prepaid card

I filed a complaint with the Consumer Financial Protection Bureau XX/XX/2021 ( ID : XXXX ). The credit card company responded to the complaint and partially resolved the fraudulent charges I was trying to dispute for a little over 2 years now. The balance on the account was {$9100.00} and they credited me {$6700.00} leaving me with {$2400.00} as the remaining balance. However, {$220.00} of that was for a late fee reversal. This made no sense, because while I was trying to solve this dispute case with them, they never removed the amount from my account so every month, I would get a $ XXXX charge in interest fees. I called on XX/XX/2021 asking them to provide an explanation how they got these numbers and to provide me with a billing statements as to why I still owe the remaining balance on my account. They told me I will receive the paperwork within 3-5 business days in both my email and in the mail. I never received anything and this has become a reoccurring problem as I've asked multiple times for them to send me my previous billing statements. During my dispute, I was told by the credit card company that I will not held liable for the fraudulent amount and any charges and fees related to the dispute would be reversed at the end, therefore, I continued to making payments on my account. I have been paying the fraudulent amount along with the interest fee that piles up every month, yet I didn't get that credited back and am left with a balance that they will not give me information about.
Product: Mortgage

My account was given a loan modification which I am grateful for, however while they were processing this and requesting more info they reported it as late. it is not late, and the credit history just needs to be updated as never late - loan modication was in progress.. please update my history for late months to never late as promised
Product: Student loan

My student loan debt has tripled. The payments I have made feel like im throwimg money away because of the interest and fees. I dont feel the amount owed is correct. Ive tried to argue this but XXXX took me on an emotional roller coaster on these fees. Im trying to understsnd how i borrowed XXXX and now owe over XXXX??? Please help
Product: Credit reporting or other personal consumer reports

To Whom it may concern, I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 


Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE HARD INQUIRES THAT IS AFFECTING MY CREDIT REPORT WHICH I DID NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

Amount {$89000.00} at Great Lakes loan. I submitted a negotiable instrument with full and correct language for the full amount due. Instead of crediting my account, they sent me a letter stating that I had 30 days to explain to them why they should credit my account.
Product: Credit reporting or other personal consumer reports

I am writing to file an aggressive and urgent complaint against Equifax and TransUnion, These companies whose actions have not only been unacceptable but have also put my financial well-being at severe risk. Despite numerous attempts to resolve these matters directly with Equifax and TransUnion, they have demonstrated a profound disregard for consumer rights, legal obligations, and basic customer service.

Summary of Issue ( s ) : Equifax and TransUnion has failed to remove inaccurate information from my credit report, despite providing them with sufficient documentation.

Repeated inquiries to their customer service have been ignored or mishandled.

As a result of Equifax and TransUnion incompetence, I have been denied credit for a mortgage loan, which has caused financial harm and emotional distress.

This situation has gone on far too long, and I have grown tired of Equifax and TransUnion blatant negligence. My attempts to resolve this matter directly with them have been futile, with responses that are either evasive or entirely unhelpful. In some cases, I have been forced to provide the same documentation multiple times, which is not only frustrating but a clear sign of these companies systematic failure. 


Failure to Act : Equifax and TransUnion has failed to follow the Fair Credit Reporting Act by not investigating my dispute within the legally required timeframe.

Their customer service agents repeatedly provided incorrect information and gave me no clear path forward.

This persistent neglect and refusal to take proper action are absolutely unacceptable, and I demand that the CFPB intervene immediately to ensure that Equifax and TransUnion are held accountable for their actions. I am also requesting that Equifax and TransUnion be required to correct all errors on my credit report and compensate me for the significant harm they have caused.

I am fully prepared to take further legal action if Equifax and TransUnion irresponsible practices continue, and I expect this complaint to be taken seriously. 

I expect prompt action to be taken by the CFPB in holding Equifax accountable for these gross violations. 

Thank you for your attention to this matter. I look forward to hearing from you soon regarding the progress of my complaint. 



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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' CREDIT ACCEPTANCE CORPORATION is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' CREDIT ACCEPTANCE CORPORATION the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, CREDIT ACCEPTANCE CORPORATION whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure CREDIT ACCEPTANCE CORPORATION never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is currently in violation of FCRA Compliance procedures [ 15. U.S.C. 1681e ] ( b ) reporting inaccurate personal information on my consumer credit report. I demand the following addresses be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. EXPERIAN MUST ASSURE MAXIMUM POSSIBLE ACCURACY OF MY CONSUMER CREDIT FILE.
Product: Debt collection

I have disputed this account as not mine multiple times with no success of removal, nor was I sent a letter prior to this account being placed on my credit report. First dispute THE BEST SERVICE CO/XXXX   replied saying account verified. I have sent letters to this company requesting verification that this debt is mine and to provide proof of such. THE BEST SERVICE CO/XXXX has failed to provide original documents with my signatures nor verification sheet disclosing information. When I sent letters to the credit bureaus all I was supplied with was a general letter that this debt belongs to me, but no proof nothing in writing, no copies of letters, nothing. This is both a violation of Fair Debt Collecting and a violation of Fair Credit Reporting to not verify accurate information. This account is inaccurate and incomplete, and represents a very serious error on my XXXX credit report.
Product: Debt collection

So, not too long ago I had a chance to pull a full credit analysis to do a check in on my credit and the only reason that I'm just now taking action is due to my address and number not being updated due to me relocating and the credit bureaus not properly making the change in time. When I did look at my report, to my surprise, I noticed I had 3 collection accounts from some company I've never heard of called XXXX Paragon Revenue Group that was opened in XX/XX/2021 for {$2000.00}, {$740.00}, & {$220.00} with the last balance update of XXXX that I do NOT recall and am not liable for. That's a total of {$2900.00} from a company I don't know or have never signed any agreement or contract with. I've NEVER received any notice pertaining to this alleged debt or that it was even reported and added to my credit. I never entered into any signed agreement or completed an original contract with them for this alleged debt. This situation is fraudulent and is a violation of my rights. This inaccurate collection is NOT mine and is doing nothing, but negatively impacting my credit score. I've filed a complaint with the XXXX  and have also mailed in documents asking them to validate debt and have no received a response, they also said they would remove their accounts from collections and they're still reporting to my credit report and affecting it negatively. My last resort if this can not be solved or fixed is to take legal action and speak with the attorney general and take it to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has several unauthorized inquiries, I contacted XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX PA, to discuss the FRCA violation and they said that the inquiry in question was from a business loan application that they received from on their brokers " XXXX XXXX XXXX , XXXX, and they said I authorized it, I said, I wanted to see the application that authorizes my personal credit be pulled and they send me an application from XXXX XXXX XXXX XXXX XXXX that specifically states " that may not obtain, including credit reports and personal financial condition. ( see attached ). I have discussed this matter with XXXX XXXX XXXX of XXXX XXXX XXXX and he refuses to have the inquiry removed. I explained to him in depth, that all he has to do is contact the credit reporting agency in question and have the inquiry removed. He has refused to have the inquiry removed, most likely because they do this all time and do n't want to get in trouble with the three major credit reporting agencies " XXXX, Experian and XXXX for pulling consumer credit reports without authorization. My credit score has dropped substantially because of unauthorized inquiries,