23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My application with the XXXX XXXX  XXXX program was approved. XXXX contacted my lender but were told that we had gone through a Loss Mitigation and that I was no longer delinquent. I let the case worker know that I had not spoken to my lender in a very long time and that we had not done such process. Because I was no longer delinquent, I did not qualify for the assistance through the program. I tried to contact my lender immediately and was unable to get through to speak with an agent. I kept on trying. Two weeks after this incident, I received an envelope in the mail with foreclosure papers. Before applying to the program I made sure that my lender was part of the mortgagees enrolled in it.
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts for over a year. These accounts are reporting wrong. 

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

I asked TransUnion for an explanation for why or what made my credit score drop XXXX points. The representative said I had negative remarks from my car loan company and that was the reason. I called the car loan company that had the now paid off loan and they said everything was in good standing and paid on time. I called TransUnion back and asked why they had it and he said there were no negative remarks on the report. The treatment I received was horrendous the false explanation is completely unacceptable if we have to rely on these companies to report accurately on very important pieces of our financial footprint.
Product: Debt collection

Portfolio Recovery bought this debt from XXXX XXXX credit card. I asked for debt validation letter. I received it there was someone else 's name making transactions. I called Portfolio and disputed it. I had asked to be removed from report. I haven't heard from them yet.. During this time I was already in bankruptcy. I filed dispute with XXXX  provided documents yet they still won't remove it. I have XXXX other concerns XXXX XXXX they are trying to collect more than what is owed. I paid them over {$14000.00} when car redeemed total lost. Minus total balance was {$18000.00} = {$4700.00} not {$11000.00}. XXXX XXXX statue of limitations expired pa is XXXX. 2 different open dates must be deleted asap
Product: Checking or savings account

The bank has a program if you open a new account is supposed to credit you {$400.00} if you had to do anything and theyre telling me that because I didnt deposit XXXX in one lump sum They will not qualify me for the program nowhere does it say deposit XXXX in one lump sum is this make Direct deposit in the sum of XXXX or more dollars Ive made deposits in the sum of way more than {$500.00} what they do is they intentionally break up my payments so I dont come in at {$500.00} Im going to send documentation to show this this bank is the scummiest dirtiest bank Ive ever dealt with their customer service will yell at you theyll hang up on you they wont return your calls theyll say they return your calls they wont they lie this is a very dirty bank I dont recommend anybody using it Im so disappointed that I close my original account and open an account with this company if look online they have long history of doing this I will not stand by and be taken advantage of our be lied to want to file his complaint and if nothing happens with this Im going to move further with contacting a lawyer Ive had money stolen from the ATM they wont return it there just a bad bank
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/XXXX and noticed several inaccuracies. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information in consumer reports. The accounts listed below contain incomplete and inaccurate information. These accounts must be deleted immediately due to violations of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This Address is not mine and must be DELETED from my credit file immediately. 
2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX- This Address is not mine and must be DELETED from my credit file immediately. 
3. XXXX XXXX XXXX Account Number : XXXX Date Last Active : Transunion reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXXXXXX Im a bit dumbfounded by how you were able to verify this account when the other bureaus were not and have removed it from my credit report. Remove this inaccurate information immediately from my credit report. 
4. XXXX XXXX XXXX Account Number : XXXX XXXX a bit dumbfounded by how you were able to verify this account when the other bureaus were not and have removed it from my credit report. Remove this inaccurate information immediately from my credit report. 
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This is not my correct address. Remove it immediately from my credit report. 
2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX- This is not my correct address. Remove it immediately from my credit report. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Date Last Active : Transunion reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX Please perform an investigation to determine whether or not this account belongs to me, as I am unable to recognize this business. Please erase this from my credit report. 
4. XXXX XXXX XXXX Account Number : XXXX Please perform an investigation to determine whether or not this account belongs to me, as I am unable to recognize this business. Please erase this from my credit report. 


And one more thing according to 15 USC 1681s-2 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. Check the attachments sent below
Product: Credit reporting or other personal consumer reports

Instances of reporting unauthorized activity have occurred multiple times. It is crucial to remove any unauthorized items within XXXX business days. This process requires providing adequate proof of identity, submitting an identity theft report, identifying relevant details, and confirming that the activity is unrelated to any of my transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX MA XX/XX/XXXXXXXX Balance : {$320.00} FACTUAL DATA XXXX/XXXX/2025
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXX Balance : {$6500.00} XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$2000.00} XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a Balance of {$29000.00} Which is Inaccurate Experian also says it was charged off in XXXX which is Inaccurate And also Experian is still reporting accounts from XXXX XXXX & XXXX XXXX Also there are several Inquiries which I do not recognize
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On Tuesday, XX/XX/XXXX I deposited a check from my attorney ( An attorney trust account check ) into my personal checking account at the ATM at Capital One on XXXX. XXXX XXXX, XXXX, NJ for {$96000.00} drawn on XXXX XXXX. The check ( photo copy ) was returned by Capital One via XXXX on XXXX XXXX and not received by me until Monday, XX/XX/XXXX claiming that the check required proof for the second individual payee ( although that branch had the second individual 's signature on file ). On XXXX XXXX we BOTH went to the branch to provide the proof they already had ( and knew us personally for years ) to re-deposit the check. AFTER which they handed me a notice that Capital One Bank will hold over half of the funds for 7 ( seven ) days until XX/XX/XXXX. 
The check was NOT returned by XXXX for any reason rather internally by Capital One. The clear intent is to hold my funds unnecessarily against a customer that also has a {$10000.00} credit line for overdraft protection so that they can use the " float '' to their advantage and against me! Again, it took them from XXXX XXXX to XXXX XXXX to notice me.
Product: Debt collection

On XX/XX/XXXX, PAYPAL/SYNCHRONY BANK received and signed for my notice to CEASE AND DESSIT all telephone communication pursuant to 15 USC 1692c . ( c ) ( see attached ), however as of XXXX XXXX at XXXX, I am still receiving harassing phone calls. This company is violation of my federally protected consumer rights pursuant to 15USC 1692 ( c ) ( a ) 1.
Product: Credit reporting or other personal consumer reports

House property XXXX XXXX XXXX XXXX XXXX OH XXXX : XXXX ISSUES : XXXX. I am on the DEED, but my soon to be XXXX husband XXXX XXXX is the ONLY XXXX on the mortgage ( XXXX XXXX ). I have been paying the mortgage every month in full for XXXX year, but my payments just make my husband 's XXXX XXXX better. XXXX XXXX needs to CONTACT XXXX, XXXX and Experian and TELL THEM I AM PAYING THE MORTAGE SO MY XXXX XXXX GETS BETTER AND NOT HIS. THEY THEN NEED TO TELL XXXX, XXXX and Experian that XXXX XXXX is NOT paying the mortgage so they can remove all kudos to him. XXXX BANK can produce to you the CHECKS from MY ONLY bank account ending in XXXX XXXX XXXX 

XXXXXXXX XXXX XXXX NEEDS TO TRANSFER THE MORTGAGE TO ME at the same percentage rate becuase I have been paying it anyway.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I discovered that there was a freeze issued on all 3 credit reports because I applied for a credit card after getting out of the XXXX. After contacting all 3 credit bureau 's, it was told to me that the info on my reports is totally different from mine and to submit drivers license, birth certificate, bill of some kind with my name etc, and copy of social security card. I submitted documents to all 3 credit bureau 's and XXXX was the only credit agency that corrected the info and resolved the issue instantly after proving my identity. I have been repeatedly trying to solve this issue with Equifax and XXXX since XXXX because they refuse to resolve this matter by keeping the freeze on my credit file after submitting all required documentation proving my identity so that I can start building my credit. I never wanted to build a credit file until now because I lived in XXXX housing, bought my cars with cash and never wanted a credit card until now. I submitted my documents 3 times this year only to be told this last time, XXXX XXXX, that documentation was not received. I know that they received these documents because I paid to mail priority mail with signature proving that mail was delivered after confirming correct mailing address. I also wanted to mention that on XX/XX/year>, I spoke to XXXX with Equifax Consumer Affairs ( XXXX XXXX XXXX ) and explained to her that I was recording our conversation as well And i wanted to confirm that Equifax received my documents on XX/XX/XXXX by mail since I was not able to submit anything on their website because they blocked me from submitting anything online. Her exact response ( which I have recorded ) was that " the block on website will never come off until this issue is resolved and she could see that their were documents received on XXXX of this year but could not understand why nothing was done ''. I also want to mention that every time I called into confirm that docs were received and if anything else was needed, Equifax put a mandate on their system that I needed to do an authentication check in order to inquire about my case with them. So I had to take a picture of my driver 's license ( front and back ) as well as take a selfie proving my identity. I did this at least 4 times this month in XXXX. Again, I do not know why Equifax and XXXX refuse to resolve this issue with clearing my credit file and undoing the freeze. I have been denied credit, employment, etc due to their negligence of resolving this matter and I am determined to extra lengths to resolve this.
Product: Credit card

I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.
Product: Credit card or prepaid card

I called Comenity Bank to close my BJ 's Club credit card in early XX/XX/2022. Comenity has not notified the credit bureau agencies that this account is closed. I followed up with Comenity Bank customer service in XX/XX/2022 and they said that the account was closed and that it would be late XXXX / early XXXX when it would show up on the credit reports and they would send me a letter confirming the account was closed. I called Comenity Bank customer service again in late XXXX because there was no change in my credit report and I did not receive the promised letter from the XXXX call. I was informed again that the account was closed and that I should see an update to my credit report in XXXX or early XXXX. They told again they would send me a letter confirming the account was closed. Once again, nothing has changed since the late XXXX call and no confirmation letter.
Product: Student loan

I have a ffelp loan through Navient whom it states is Navient federal loan trust implying this is a federal loan under a federal trust. They talked me into forbearance for a year from XXXX to XXXX. They used sales tactics to allow for this forbearance and they have been sued by 38 states for such business tactics. The loan was originally under sallie Mae and unbeknownst to me was them privatized by Navient. This XXXX will be 20 years paying on this loan and I feel deceived thinking this was a federal loan, it was ok way back then to not make payments while interest accrued and I was talked into a 30 year loan like it was a great plan. Now Im reading that this type of loan will not be part of Bidens plan to forgive {$10000.00}. What options do I have?
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I talked to portfolio recovery associates who purchased the debt from XXXX. I did a pay to delete to resolve the account. The account is paid in full. I was promised and given a letter that the account and the XXXX account would be deleted from my credit and no longer appear as a negative mark since I paid in full. It has been over two months and they have not removed it from my credit. I have talked to them on the phone and they have stated that it should have been removed. The negative remark on my credit still shows. 


This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. 

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 Thank you for your assistance in resolving this account. Your current balance on this account is $ XXXX. Please retain this letter as proof your account has been settled. 

Your account will be considered paid-in-full for less than the full balance after the final payment is successfully posted. If our company is reporting this account to the credit reporting agencies, within approximately 30 days of the final payment successfully posting, our company will request the credit reporting agencies delete our companys tradeline related to your account from your credit bureau report. XXXX XXXX XXXX, XXXX can not control how fast the credit reporting agencies process requests. 

*Balance and/or payment information assumes that your payment is not reversed as a result of having any checks returned to us or as a result of you having directed us to apply payment to another account. 

If you have any questions, or need any further information, please call us at XXXX. Our hours of operation are Mon. to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you for resolving this account. 

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

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows this account are fraudulent XXXX XXXX bank, AUTO MARKET OF FLORIDA TransUnion has fail to investigate this account correctly
Product: Credit reporting or other personal consumer reports

I am writing to dispute several inaccurate addresses listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to have incorrect information corrected or removed from my credit report. 

Please review the addresses in question and update my credit report to reflect accurate information. I have included documentation supporting my correct address for your reference. 

Inaccurate addresses listed as followed 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 Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX , Florida . I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, I requested proof from the creditor, they were unable to provide me with any proof otherwise.
Product: Checking or savings account

In XXXX an account was open with my name under Fraud without my knowledge or authorization. I went in person to the branch office by my job and reported the statement I got. At that time they told me they will place an alert and look into the account. In XXXX I am still getting statements saying that I have an account with them, but now someone is using the account and putting money in there. I contacted Citibank for them to tell me that they know the account is fraud but they are not sure why is still being use. I need help. I d not know where to turn. I have a hold on my credit so not sure how they are opening an account with my name still and using it
Product: Credit reporting or other personal consumer reports

I noted a lower credit score before I applied for a business loan. I investigated and found that info on several late notices from XXXX XXXX XXXX XXXX did not seem to be mine. Address was unknown and name unknown. 

I mailed this concern to credit bureaus and Bank.XXXX XXXX XXXX has not responded properly nor has the 3 credit bureaus responded at all. 

I do expect this to be taken off
Product: Credit card or prepaid card

Regarding the account, ending in XXXX. On XX/XX/2022, I wrote Citi about the referenced account, ( a copy is attached ). I asked them to put into dispute two charges from XXXX XXXX totaling {$540.00}. I did not receive a reply and Citi continues to bill me. On XX/XX/2022, at XXXX XXXX  I called Citi. I spoke with Customer Service. The lady I spoke with assured me credit for the two charges, interest, and late charges would be credited within 2 or 3 business days. I wrote Citi again on XX/XX/2022 ( copy attached ). In the XX/XX/XXXX letter I pointed out the time limits in the Fair Credit Billing Act, and they had exceeded those time limits. Again I received no response to my letters other than collection efforts, which I continue to receive. XXXX XXXX  XX/XX/2022, received as collection call from Citi. I read to her my letter of XX/XX/2022,. She referred me to the Fraud department, they referred me to Customer Service. Customer Service referred me to Billing Disputes I spoke with XXXX. XXXX in Billing Disputes said the problem was I had disputed the charges in a letter. The correct way to dispute charges was by phone. On XX/XX/2022, I received a collection call from Citi. They transferred me to the dispute department. The Gentleman I spoke with said the dispute was closed because they had not received the requested documentation. I assured him I'd never gotten a request for further documentation. He said he would reopen the dispute. I told him I had never received an acknowledgment of the dispute. At XXXX XXXX  on XX/XX/2022. I receive a collection call from Citi stating the account was 2 months past due. I talked to collections and I told them I had disputed the charges. Collections transferred me to Citi 's Fraud Department. Fraud attempted to transfer me to the Billing Disputes department. Fraud Department came back on the phone and said Billing disputes were closed today. XX/XX/2022, at XXXX XXXX  I phoned Citi. I automatically was transferred to collections. Collections transferred me to Security where I spoke with XXXX. XXXX XXXX XXXX said she would check with billing disputes. She transferred me to XXXX in billing disputes. XXXX in billing disputes said she is going to resubmit to get the charges under investigation. I continue to receive collection efforts and past due notices I continue to receive collection calls, emails, and text messages from Citi attempting to collect. To the best of my knowledge, these items have not been put into dispute and investigated by Citi. 

I've scanned most correspondence, but I'm unable to scan and submit the frequent collection o text messages I've received from Citi.