23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I XXXX XXXX XXXX would like to formally complain about my mortgage servicer XXXX. I submitted my complete application for mortgage assistance about 2 months. I keep following up and I speak to many people seems that no one knows whats going on. They've been give me the run around transferring me all over the place. Finally today, they told me theres no time to review and that I hand a sale date set for XX/XX/2019. As you can see, I've been bounced around given wrong information not just by rep but by managers. They admitted to handling wrong our case and that he was sorry but that my house will go for sale on XX/XX/2019. I explain that I have a family and that we are going to be in the street and my mother is very Ill to be move suddenly but he did not show any sympathy towards my situation. I stated to him that I do not want to lose my home that's all we have and that I will be thrown out with my family and no place to stay he he did not care I felt very discriminated at that point. I don't understand why they would ignore my application all this time and they waited to get close to a sale date to tell me they didn't review my application. I ask why is he treating us like that I don't deserve to be treated fair like everyone else its clear to me that you are discriminating me he disconnected the call and left me with words on my mouth. They are not even allowing me to appeal. All I'm asking is a fair review and for my sale date be postponed so they can get a chance to review my package and review my current situation with and to stop discriminating me. If this does not go anywhere I am going to seek legal advice to see if I can sue my mortgage company. I give permission to Consumer Financial protection Bureau to speak on my behalf and get to the bottom of this I am scare to call on my own mortgage servicer.Please, help me I do not want to be thrown out on the street with my family. Yours truly, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

please see the below responds from conns XXXX XXXX , XXXX ( XXXX ) appreciates the opportunity to respond to the concerns you have. We have a more than 120-year history of quality customer service and satisfaction, and I would not want anything to impair that record. As a reminder, you may contact XXXX regarding questions by calling our Customer Service Helpdesk at XXXX, or on-line at XXXX. We have investigated your concerns and as a result of our investigative measures, your complaint has been Closed with non-monetary relief. You have stated in your complaint that : 1. You have a credit inquiry from XXXX on your credit report ; 2. You did not apply for XXXX credit ; and 3. You would like the credit inquiry removed from your credit report. Our investigation reveals that : 1. A credit application was processed in your name on XX/XX/2019 ; 2. XXXX fraud department reviewed the information you provided ; and 3. We have removed the credit inquiry. According to our records, an application for XXXX credit was processed on XX/XX/2019. The credit application was initiated through XXXX website. Our fraud department reviewed the information you provided and we have removed the credit inquiry from all three credit reporting agencies. We ask that you please allow the credit reporting agencies XXXX days to update their records. XXXX appreciates you for bringing your concerns to our attention. 
DESCRIPTION OF NON-MONETARY RELIEF removed credit inquiry
Product: Credit reporting or other personal consumer reports

I am writing to you with urgent concern regarding my consumer credit report. It has come to my attention that there are accounts listed on my report that I neither recognize nor authorized. These entries are a clear case of identity theft, and I have never entered into any agreement with the listed creditors, nor have I authorized anyone else to do so on my behalf. Specifically, the fraudulent accounts are as follows : - 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  - Reported Balance : {$30.00} Under the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ), you are required to block the reporting of any information in my file that I identify as information resulting from an alleged identity theft, with certain exceptions. This law mandates that such a block be executed promptly and, in any case, no later than four ( 4 ) business days after receiving proper proof of identity theft.
Product: Credit reporting or other personal consumer reports

CREDIT BUREAUS REFUSE TO REMOVE PAID AUTO LOAN FROM XXXX XXXX FROM MY CREDIT REPORT. I HAVE PROVIDED NOTARIZED DOCUMENTS FROM CREDITOR THAT ACCOUNT IS PAID IN FULL AND CREDIT BUREAUS ARE STILL REPORTING A BALANCE ON MY CREDIT REPORT!
Product: Credit reporting or other personal consumer reports

Equifax is violating my right to privacy and I have elected to opt-out of any future credit reporting especially negative items currently on my report. I was denied credit by XXXX. They are in violation of 18 U.S. code 1028 Fraud and related activity in connection with identification documents, authentication features and information ; 15 U.S.Code 6802 Obligations with respect to disclosures of personal information ; 15 U.S. Code 6801 Privaty Obligation Policy ; Can't produce Social Security Release Consent forms. ( SSA-3288 ) with my signature ;! 5 U.S.Code 1691 Congressional Findings and Statements of purpose:15 U.S. Code 1681a Defintions rules of construction ; 15 U.S. Code 1681b ( Permissible Purposes of Consumer Report ) 18 U.S. Code 8 Obligations or other Security of the United States that all debts public and private is settled by the United States : Texas Penal Code Sec . 32.53 and Texas Penal Code 32.51
Product: Mortgage

Carrington Mortgage Services is currently my mortgage provider. I make my payments every month, electronically, directly from my checking account. I 'm always careful to pay my mortgage on time, usually two full weeks early. I refinanced my mortgage with Carrington ( who was already my mortgage provider ) at the end of 2015. My first payment was due XXXX XXXX, which I paid on XXXX XXXX. I made another payment on XXXX XXXX for the due date of XXXX XXXX. This payment was never posted by Carrington Mortgage. I realized their error on XXXX XXXX when I happened to look at my account online, and have had contact with them on several separate occasions to try to rectify this situation. I have submitted proof of payment to them in the form of my bank statement, and my bank has submitted evidence twice in the form of the e-check. Carrington is still refusing to credit my account claiming " If we find it, you 're account will be adjusted. '' I find this completely unacceptable. I have submitted proof of payment. Where their company misplaced it, is really not my concern. As far as I 'm concerned this company has stolen {$2400.00} from me. I feel that I 've taken sufficient action to prove this payment has been made and Carrington has done little to nothing to credit me for this payment. I feel cheated and violated by this company. AND I 'm uncomfortable continuing to make payments to a company that may or may not credit me for the payment!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my deep frustration and disappointment with the lack of action taken by XXXX XXXX XXXX  XXXX regarding the fraudulent opening of a credit card account in my name. Despite my repeated attempts to dispute the fraudulent activity and provide evidence of my innocence, I have encountered an alarming level of disregard for my concerns. 

I discovered an unauthorized credit card account under my name with XXXX XXXX XXXX  XXXX XXXX I can confirm with utmost certainty that I did not initiate the application process nor provide consent for the card to be opened. This act of identity theft and fraud has not only compromised my personal information but has also had a detrimental impact on my creditworthiness and financial well-being. 

As soon as I became aware of this fraudulent activity, I immediately contacted XXXX XXXX XXXX XXXXXXXX XXXX customer service hotline to report the issue and seek assistance in resolving the matter. To my dismay, I was met with a frustrating series of unhelpful responses, delays, and outright refusal to take appropriate action. The representatives I spoke with seemed dismissive and failed to demonstrate a genuine commitment to rectifying the situation. 

Despite providing detailed information about the fraudulent account, including evidence that it was opened without my knowledge or consent, XXXX XXXXXXXX XXXX  XXXX has continuously disregarded my pleas for assistance. I have provided documentation, such as copies of my identification, which clearly show that the information used to open the account does not match my own. However, these efforts were met with indifference, and your institution has seemingly ignored the severity and urgency of this matter. 

I am appalled by the lack of urgency and concern displayed by XXXX XXXXXXXX XXXX XXXXXXXX in addressing this serious matter. As a victim of identity theft and fraudulent credit activity, I expect your institution to prioritize the protection and well-being of your customers. Instead, I have been subjected to a prolonged ordeal, which has caused me significant distress and financial harm. 

I demand that XXXX XXXXXXXX XXXX XXXXXXXX promptly initiates a thorough investigation into this matter and takes immediate action to close the fraudulent credit card account. Additionally, I insist that all negative marks and erroneous information related to this fraudulent account be expunged from my credit report. Furthermore, I expect compensation for the damages incurred, including any fees, penalties, or financial losses resulting from this incident. 

Failure to address this matter promptly and adequately will leave me with no choice but to escalate this complaint to relevant consumer protection agencies and seek legal recourse to protect my rights and restore my financial reputation. 

I trust that XXXX XXXXXXXX XXXX XXXXXXXX will take my complaint seriously and act swiftly to rectify this distressing situation. I eagerly await your prompt response and resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my information
on equifax2017security.com and get the following message : Based on the information provided, we believe that your personal information may have been impacted by this incident. Click the button below to continue your enrollment in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX didn't investigate the fraud reporting on my credit report. I submitted a dispute for all negative accounts reporting on my credit report to be removed. Two days later was notified the disputes would not be removed off my credit report. As the data breaches have happened, those accounts do not belong to me. I want them removed from my credit report. It is effecting my ability with credit and financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that has the same account number and has been reported 2 times on my credit report account number # XXXX has credit limit of XXXX and reports again for XXXX and has 2 different open dates I sent letters to XXXX, Transunion and XXXX   and they still said that I was verified, but it wrong because I the open dates also the card limit
Product: Credit card

On XXXX XXXX I was victim of identity thefth. The impersonator opened accounts with XXXX, Best Buy, XXXX Macys & Bloomingdales. At this point only Macys and Bloomingdales have n't take care of the situation, I already have a 30 days late payment affecting my credit. The are not able to provide a claim or case number, on XXXX XXXX I sent an affidavit stating I did n't open the accounts, I have made 27 calls and get different answers, I sent emails, Direct Message via XXXX and nobody can give me an status, everyone is giving the run around. 
I am putting to much time and energy in to this and I am the victim, the failed from the beginning accepting a fake ID to open accounts under my name. The perpetrator is even arrested in the XXXX XXXX Jail system. MAcys and Bllomingdale did n't even provided information, only Best Buy provided camera footage. All Im asking now is at least a temporary credit until they close their investigation, if there is one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenged the accuracy, compliance and reportability of two bankruptcies a Chapter XXXX and XXXX XXXX showing on my credit report on XX/XX/2018. I asked for Equifax, XXXX, and XXXX to please validate this information with United States Bankruptcy Court XXXX District of Alabama and provide me with copies if any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received information for all three bureaus stating it was verified and will remain. The bureaus never contacted the courts but instead they reached out to a third party XXXX XXXX to provide this information. I have opted out and placed a freeze on my credit and consumer file which is attached as well as a letter from the United States Bankruptcy Court XXXX District of Alabama stating they do not report this information.
Product: Debt collection

In XXXX of 2021, I checked my credit reports and saw that I had hard inquiries from Capital One and an auto loan from Capital One for the amount of {$10000.00}. On or about XX/XX/2021, I sent letters to the Credit Bureaus informing them that I do not have an auto loan with Capital One, and that there must either be a mistake or someone has committed fraud. All three credit bureaus claimed that they verified the account to be valid. I have also sent dispute letters to Capital One, but I have not received any response showing proof that I applied for an auto loan or that an auto loan exist. I have never applied for an auto loan with Capital One, and I have never received nor signed any documentation for an auto loan from Capital One. I have never received any money from Capital One. There has to be a mistake or someone has committed fraud.
Product: Credit reporting or other personal consumer reports

I looked At my credit report on XX/XX/XXXX and XXXX XXXX  are still reporting inaccuracies of information reported/updated invaild an inaccurate information shall be verified not updated OPEN DATE ON THIS ACCOUNT WAS XX/XX/XXXX ( 1YR,8M ) REPORTING AS CHARGED OFF AND CLOSED. AS OF XX/XX/XXXX THIS ACCOUNTS REPORTS INVALID INFORMATION ON CLOSING AND LAST REPORTED DATE ( XX/XX/XXXX ) How can this information and dates be correct or valid. AS OF XX/XX/XXXX THIS ACOUNTS SHOWS AS OPEN AND HAVE AN OPEN BALANCE BUT SAYS CHARGED OFF BY CREDITOR, SHOWN ON XXXX, EQUIFAX, XXXX.THIS ACCOUNT IS SHOWN TO MANY INACCURACIES ALONG UPDATING AN MODIFYING MORE INVALID AN INACCURATE INFORMATION AGAIN.IM ENTILTED TO 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 You have NOT provided me a copy of ANY original documentation required under 15 USC1681 ( i ) 5 ) Treatment of inaccurate or unverifiable information ) In general, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallpromptly delete that item of information from the file of the consumer as appropriate, based on the results of the reinvestigation
Product: Credit reporting or other personal consumer reports

I pulled a copy of my TransUnion consumer report and noticed an item I would like to dispute. It is as follows : Creditor : XXXXr Account Number : XXXX Reason : This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the reported account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for negligence. Please DELETE this item from my consumer report! 

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Debt collection

Notified the debt collector that the debt was not mine and asked that it be removed from my report XX/XX/2017
Product: Credit reporting or other personal consumer reports

THIS IS REALLY FRUSTRATING ME!! This claim of inquiry is as of yet without testimonial physical confirmation of adequately lawfully achieved permissible purpose from anyone adequately identified as EXACTLY me and or from anyone authorized to yield permissible purpose for me. It is my belief that it can not and or will not be certificated, as requisite by federal laws, with PHYSICAL DOCUMENT EVIDENCE that any such accusation of attempted or achieved application for credit or otherwise was made by me, with my knowledge, and or with my consent or that of anyone authorized to do so for me. It is my consumer rights to do so, and I am now and here in composition executing the rights to forcibly compel you to factually demonstrate every and one even each any and all of the mandated and or provided proofs that indeed I or my authorized agent truly, accurately, timely, and compliantly consented to this inquiry. I do so in light of at least the federal laws including the XXXX enacted XXXX compliance regulations, FCRA Section 609, FCRA Section 605, in accordance to FCRA 1681 ( b ) ( e ) as well as the accuracy of this inquiry via FCRA Section 623.As you know, allegations due to subterfuge is illegal and unauthorized. DELETE TODAY, even right NOW and right HERE SINCE YOU CAN NOT or WILL NOT be able to present Verified Validating Evidence by physically giving the certificate of the TRUTH, ACCURACY, COMPLETENESS, and or COMPLIANCE within the OBLIGATORY FEDERALLY DEFINED TIMELY manner to every and one even each any and or all of the aspects or articles of this claim including but NOT limited to all notations, dates, identities, the 426 character P6 statement ( s ), minimal five ( 5 ) portioned Personal Identifiers,386 pieces of Confirmation, any and one Alpha-/ Numeric-/ and or Alphanumeric Source Code ( s ), whether mentioned or not.
Product: Checking or savings account

Back in XXXX I added a stop payment on my account. The amount should have been for {$350.00}. The payment came out of my account the next month. I called to see why the stop payment did not work. The person that put the stop payment put it in for the wrong amount. It was put in for {$380.00}. This is what cause the payment to come through anyway. Due to this payment being taken out of my account anyway, I had other transactions that came through that made my account negative and I was charged {$100.00} in overdraft fees and I had a negative balance that I couldn't get any money for gas, food, or anything else that i needed. This was a bank error and I shouldn't have to suffer from this. I asked the bank to credit these charges and also to send this payment back unpaid. I need that money back in my account as soon as posssible. Yes, TD Bank as given me some courtesy credits in the past due to NSF and Overdraft fees. I am struggling financially and still having a hard time due to having COVID and losing one of my jobs. I do not have any money to give back to the bank. I know that bank charges fees but I am doing my best working as an educator to pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an identity theft and police report to XXXX, Transunion and XXXX  and they still have not processed anything. I am a victim of identity theft and there is a XXXX XXXX loan and a XXXX XXXX credit card that do not belong to me showing on my report. Please help me remove these items off my report.
Product: Debt collection

On XX/XX/XXXX I applied for a credit card online with Kohl 's. It was approved for {$300.00} and I placed an order for about {$200.00}. I was checking my account online today when I noticed the balance was - {$280.00}. I owed {$580.00} the exact amount discharged in Bankruptcy on XX/XX/XXXX. They took the {$300.00} and added the {$580.00} which comes out to a negative  {$280.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request a XXXX for a charge-off that was written off and I never got a XXXX to see how much of it got written off. I understand that this charge-off has been reported to the Internal Revenue Service XXXX IRS ). I am requesting the form XXXX to be sent to me for the following accounts : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my a copy of my credit report. I was shocked to learn I have been a vicitim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Called transunion because my credit scores are dropping. From False reporting of being late with a payment. These accounts are paid in full. And are in charge off status and remain on my reports till XXXX XXXX XXXX XXXX and XXXX XXXX bank ending in XXXX And trans union does what they tell them to do. Its a crime they should be fined and jailed Also XXXX and XXXX are guilty I Have reported them to their own fraud and credit card investigations to correct within 30 days. i cant handle all 3 scores faillng from XXXX pts to XXXX since and 2 months in XXXX XXXX and XXXX and last year.. please help me