23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I attempted to refinance the mortgage on my condominium with Commonwealth Mortgage XX/XX/XXXX and went through the process as far as a conditional approval ( XX/XX/XXXX ). The conditional approval made reference to XXXX requirements that had been unexpectedly added to the conditions of the loan. The loan was then rejected due to the property 's non-compliance with the newly added XXXX requirements. 

Interest rates increased significantly between the application and denial dates. The first explanation that I was able to get from the lender was that it would have been difficult to sell my loan on the secondary market due to its non-compliance with ( the newly added ) XXXX requirements, and that I should have used a local credit union. Upon seeking further clarification I was told that Commonwealth Mortgage can not make loans that are not XXXX compliant, but no further information confirming this has been provided.
Product: Payday loan, title loan, or personal loan

I was given a payday loan for XXXX $ they initially said I could have XXXX $ but I had to refinance on the speedy cash app for the additional XXXX $? which at first there was no way in app to refinance but later it appeared. 

After that I was charged a cab fee for XXXX $ which was paid by XX/XX/2018 total amount due XXXX $ subtracted XXXX $ which was XXXX $ and XXXX $ fee was due by XX/XX/2018 on XXXX XXXX. 

So, I called them a few days later today because there was another cab fee for XXXX $ added to the total amount due XXXX $ wich is two weeks early! I told the customer service on the phone to reduce the total XXXX $ to XXXX $ so I can pay it when I get paid. 

She wouldnt listen and did not agree to take off the fee! And then I said you are ripping me off and that I was filing a complaint. 
And I hung up.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously contacted equifax, XXXX, and XXXX about my concerns with my credit report. I'm concerned that I have had bad credit from XXXX up until current date in XXXX. I have no credit cards. I have no mortgage. I only have student loans which are in deferment or forbearance, but there is persistence to continue my status with bad credit through the three credit bureaus for XXXX years. Because of this, I have not been able to obtain any credit of any kind-or even a residence in which to reside. In XXXX, I even filed for bankruptcy which was expunged in XXXX. I thought this action would help remove incorrect and negative items on my credit reports... but to no avail. Yet still, I have continued with bad credit. I have a car loan, and that is behind due to the pandemic and my difficulties as a result of the nationwide health scare. The fact that remains is that I do not know why I have bad credit. Furthermore, my attempts to correct errors on my credit concerning XXXX company have not been resolved after five years of waiting for a response to my dispute letters. My current credit statement demonstrates a forced and persistent status to keep me as a bad credit citizen of the United States of America and prevent me from life, liberty, and the pursuit of happiness as a citizen with inalienable rights..Also the continued permissible behavior to include businesses on my credit such as XXXX company of XXXX XXXX MD XXXX which I have not agreed to do business with, demonstrates a violation of my rights under the Fair Credit Reporting Act. I have not been informed of the progress in my dispute of XXXX with either of the XXXX credit bureaus, and errors in my credit including the company XXXX and others have remained despite my efforts to have them removed. I have even requested credit reports back in XXXX, and I never received them. To this effect, I have decided to dispute everything on my credit report as it is likely the credit bureaus have allowed me to be violated with the same negligence as they have refused to respond to my disputes and correct errors in my reports.
Product: Debt collection

In XXXX I was unable to make a payday loan with XXXX XXXX XXXX that I had renewed for over a year do to my income being cut short. In the month of XX/XX/XXXX I was able to payoff most of my collection accounts listed on my XXXX XXXX. I paid to XXXX XXXX XXXX an agreement amount of {$250.00} to settle the debt that was collected by agent XXXX XXXX # XXXX with XXXX XXXX / XXXX XXXX XXXX. Payment Conformation # XXXX issued by XXXX XXXX. The account was removed from my credit report after a process was completed in XXXX. 
On XX/XX/XXXX this was listed on my credit report as a collection account which is totally incorrect. I spoke with XXXX XXXX XXXX XXXXXXXX XXXX XXXX @ XXXX to provide my payment information and I was told by him to dispute this matter online to an email that he provided.
Product: Debt collection

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this CBE GROUP ( Original Creditor : XXXX  XXXX XXXX XXXX ) was reporting to be negative on 3 Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Mortgage

I used a mortgage broker to refinance a loan a few years ago named   XXXX   XXXX  . Upon closing the loan, it was sold to a third party called  XXXX . That has been the mortgage servicing bank I 've used since.
Recently, I started receiving constant robo-calls and direct calls from Flagstar Bank stating that they needed to speak to me about a very important " business matter. '' I ignored the calls as I had never heard of them before, did not have any business with them and after a   XXXX   search of their poor customer service, had no interest in working with them.
Unfortunately, unbeknownst to me -   XXXX   sold my mortgage to Flagstar, but neither bank properly notified me. They sent letters allegedly to the wrong address. They did not attempt to contact me to explain the situation and kept harrassing me that they were sending me to collections. Never explaining that they were my new loan service provider.
When I did call them, they asked me to provide them my social security number - again, not something I was going to do to a random company I never heard of. When I protested, they were incredibly rude and did not offer any explanation as to why they were continuously hounding me on the phone. I think I have at least 20 calls from them over the course of 45 days.
Net net - I 've now made payments to the bank and am in good standing. But this bank 's poor mortgage transfer communications along with their harrassing and menancing calls is unacceptable. The people at this bank should not be allowed to treat customers in this way!
I have to imagine there are guidelines in place in terms of what requirements both banks must abide by when selling and transferring a mortgage between providers.
Product: Debt collection

Deformation of character by sharing confidential information with my parents. Improper sharing of information include ( ie : verified debt collection, shared the file #, stated will file civil suit if I did not call by XXXX PST, verified my full name and date of birth ) The debt collection is for a debt closed in XX/XX/2009 - thus greater than 7 years. The ADR GROUP has NOT contacted me. The information provided was given to me by my father.
Product: Debt or credit management

I paid off my student loan in full to XXXX and keep getting statements from the USDept of Education that I owe money to aidAdvantage. I have made repeated attempts over months snd months to rectify by situation. I have written to XXXX XXXXhree times. Nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone fraudulently opened a Checking account with XXXX  XXXX XXXX XXXX and A credit card with a {$5000.00} limit that was maxed out. This occurred around the time my car was stolen in XXXX of XXXX ( My wallet was inside my middle console ), They are also a Capital One card from XXXX That doesn't belong to me. My first situation with identity theft occurred in XXXX and then again in XXXX and again in XXXX and now in XXXX and XXXX. I also have been informed that someone has opened an apartment online in my name at XXXX  XXXX. I have never lived there
Product: Debt collection

On XXXX I was notified by XXXX credit bureau that a collection item was posted on my credit by Cavalry Portfolio Services for the amount of {$1800.00}, as XXXX XXXX  is the original creditor, I have disputed the account validity with all credit beraus and the account was permanently removed from my file only to come back 2 years later under Cavalry portfolio services, I asked them to remove this account from my credit because it's inaccurate and misleading and I mentioned the fact that it was disputed with the original creditor XXXX XXXX and it was unverified and removed and I also mentioned if the original creditor can't verify the account how were you able to do so, but I never received any response and the account still inaccurate and still on my credit file, furthermore upon checking my credit I found that the account was reported as a debt with contract that was opened under my name and the last active payment was made on XX/XX/2021 to Re-Age the account and ensure continues damage to my credit and I also found that Cavalry Portfolio Services adopt these deceptive practices continuously as a way of life not only limited to Re-Aging accounts but also report payment history when there is no payment made to unknown account with wrong status as a deliberate act to mislead and strong arm the victims either to settle for a debt isn't owed or suffer.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Credit reporting agency , block and remove 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 lease account & charge-off. 

ACCOUNTNAME : XXXX XXXX XXXX XXXX ACCOUNTNUMBER : XXXX DATE OPENED : XX/XX/year> This account has resulted in fraudulent charge off appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed erroneous accounts with this company several times now, I have attached all the proof this company needed in regards to verifying the inaccurate accounts. But to my surprise, this company has not fixed anything whatsoever. Up to now my credit report still has the same inaccurate accounts that I had disputed. For yet another time, please rectify all the errors mentions below : 1. XXXX XXXX  XXXX XXXX XXXX Account # XXXX I have always paid in time, please delete this erroneous late payment and Charge-off.! 2. XXXX XXXX XXXX- Account # -XXXX - I have always paid in full, please remove the erroneous late payments history Asap This account has never been charged off please rectify immediately. 3. XXXX XXXX XXXX Account # XXXX - Please investigate and tell me why this account has been charged off. This account was just late for a month after which it was settled in full. Please remove this late payment and charge-off asap. 4. XXXX Account # XXXX - The data youre reporting is completely false and must be removed immediately, I have never always paid in time. thank you kindly for honoring my request. 5. XXXXXXXX XXXX XXXXXXXX Account # XXXX I would like to request a deletion of late payments History since I have always paid in a timely manner without fail. 6. XXXX XXXXXXXX XXXX Account # XXXX - I have always paid on time, the 120,60 and 30 days late payments are erroneous and must be removed immediately, thank you. I have attached herewith my recent dispute to this company.
Product: Credit reporting or other personal consumer reports

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. I implore your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

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

XXXX XXXX the natural person continue to be a victim of fraud upon the US department of Education unauthorized use of personal information, damaging and willingly, my character and privacy overall. I have sent in numerous complaints and fraud and theft reports regarding this matter and this loan servicer.. for the record US Department of Education XXXX XXXX had no permissible purpose, thus my written consent to report on my consumer report, for the record. For the record, XXXX has admitted to selling yet again my information to XXXX. This account has been in investigation far over 60 days with the CFPB as well as third party credit bureaus such as XXXX and XXXX XXXX. XXXX XXXX Assistance continues to appear and reappear, This is by far a violation of my Constitutional Rights. XXXX XXXX XXXX XXXX XXXX an account opened fraudulently, thus without my written consent to report in regards to COLLECTION a debt pursuant to 15 U.S. Code 1681 B. 15 U.S. Code 1681 ( a ) ( e ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 submitted online request for security freeze/credit freeze on Experian and was denied. 
XX/XX/2019 submitted telephone request for freeze/credit freeze on Experian and was denied. 
Researched and found many complaints exactly the same from others trying to freeze at Experian. 

Need Experian to place security freeze/credit freeze either over phone or online
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and noticed there were accounts that do not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX # # XXXX, XXXX XXXX XXXX- # # # XXXX XXXX # XXXX, XXXX XXXX # # # # XXXX # XXXX, XXXX XXXX XXXX XXXX # # # XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX **I HAVE NEVER BEEN ASSOCIATED WITH THE ADDRESS THESE FRAUDLENT ACCOUNTS HAVE ON FILE. THEY HAVE ALL BEEN REMOVED FROM MY TRANSUNION, XXXX, AND XXXX. UNDER FTC, FCRA, USC SEC 15 1681. 1682, 1683, 1682, 1692g these illegal accounts under a fraudlent item must be removed immediately from receipt of this letter.

The account listed below and inquiries are illegal and needs to be removed asap. I am not identified what so ever with this nor any fraudulent accounts tied to my credit profile. I have been in the process of repairing and fixing my credit report and this is the last illegal account attached along with said inquiries. Please remove this last illegal account asap Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Our loan was sold to Fay Servicing who has been collecting escrow payments since closing on the loan in XX/XX/XXXX. We have XXXX properties under this loan and on XX/XX/XXXX I received Delinquent Property Tax Notices in the mail for XXXX of the XXXX properties. After further review, I also discovered we had an insurance policy lapse and XXXX in the process of cancelation. We ended up paying the property taxes out of pocket and I have called the company several times to request reimbursement. Each phone call results in a different process to receive reimbursement. I have tried to submit proof of payment ; however, the email addresses and phone numbers I have been given are all invalid. I mailed a certified letter that was received XX/XX/XXXX and have not received any communication back. I have asked to speak to managers and can not get anyone on the phone or to call me back. This has been an absolute nightmare. If you read their XXXX reviews, you'll see I am not the only one. I question how this company is still in business.
Product: Credit reporting or other personal consumer reports

I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows 3 credit inquiries that I did not authorize.

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXXXXXX XXXX  DATE : XX/XX/XXXXXXXX  Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.
Product: Credit card

I am a Citibank Thank You Preferred Visa credit card holder in good standing ( and a Citigold Premium checking account holder ). In XX/XX/XXXX I received a balance transfer offer from Citi Bank with the following offer language : " Lower Rate '' : 0 % promo APR with a fee of {$5.00} or 4 % of the balance ; and " No Fee '' 4.99 % promo APR. I was confused because it says " No Fee '' but below reads " The standard balance transfer fee is {$5.00} or 3 % of the amount ... .. '' so I called Citi Customer service to get clarification. I was assured that the 4.99 % offer was indeed a " No Fee '' offer and that the language about fee was to show what the fee would have been if it were an offer with a fee. 
So I made a transfer of {$2500.00} with the XXXX 4.99 % check provided -- and, despite the stated " No Fee '' ( and the assurance from customer service that this is a " No Fee '' offer ), my account was charged a 3 % balance transfer fee ( {$75.00} ). 
I have written four times to Citi customer service via their website, by fax, and by U.S. mail asking that the {$75.00} fee be refunded but have not received a response of any kind.
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Equifax Credit Report and there is an address reporting on my credit report that is not mine. 
Below is the address that I would like to have permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX