23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 up until XX/XX/XXXX someone stole my identity. First of all I began receiving text that said I changed my passwords and they came quickly about 50 in 10 minutes then my phone and email addresses were no longer available. I didn't realize what happened because I have never experienced fraud such as this before. I wasn't able to retrieve my cell phone services because the company said the scammer locked everything down they weren't able to open the account. In the meantime I noticed a XXXX XXXX financial loan was approved online but never picked up by the scammer and an Upstart account for {$5700.00} was given to the scammer. I have a great deal of inquiries from the dates given that have brought my score down tremendously. I have requested my credit report 10 times and I still have not received from XXXX and XXXX. I have tried to explain I did not open this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my credit report and spoke with a representative and inform the representative that there are a lot of inquiries on my credit report from the same company made within a month from each other and some inquiries made within the same day as fraudulent and I did not request any information from the companies that are showing up on my credit report, to no avail have the multiple inquiries been removed the credit bureau sent me an updated credit report with the same information I also spoke with a supervisor to no avail this situation is disheartening
Product: Credit reporting or other personal consumer reports

This dispute is made under my rights granted by the Fair Credit Reporting Act ( FCRA ), which requires credit agencies to ensure the information they provide is accurate. According to FCRA Section 611, you must investigate my dispute within 30 days and correct any inaccuracies. Additionally, under state law, I have the right to request corrections to any errors on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to OCWEN for the account number XXXX and notify them of their error posting for this account on my credit report. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to start by saying thank you for looking at the items I sent in for investigation to XXXX, Equifax, XXXX   and XXXX XXXX.Upon investigating the accounts, I investigated directly from the source furnishing the data in this case the Bankruptcy U.S. Bankruptcy Court for the XXXX District of Michigan, to you to ensure that everything matches up as well. Upon looking at the history between all 3 credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts 1. Chapter XXXX Bankruptcy Case Number : XXXX XXXX   Errors Found : The Date filed is inaccurately reporting at both XX/XX/XXXX and XX/XX/XXXX. How can it be both? The reference number is inaccurately and has listed 3 difference numbers as follows : XXXX and XXXX. In addition the closing date is being reported in accurately and listing 3 different dates as follows ; XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX. Even the court that is being listed inaccurately there are 3 different listings this is a clear violations. It is being listed as : U.S. Bankruptcy Court, US BK CT-XXXX XXXX XXXX, and Federal, this reflects a series error in your reporting. The Liability and Exempt amount is listed as XXXX which is also inaccurate. 

Action Requested : Please Delete this Inaccurate public record from my credit report.

I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent XX/XX/XXXX I asked them to delete anything that is not 100 percent accurate. I contacted the court and and have enclosed the letter they sent to me saying the dont furnish information to any credit bureaus. The third party is providing you inaccurate information. 

This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. They stated it was verified. How is it possible that XXXX, Equifax, and XXXX  all verified the public record above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation.
Product: Mortgage

I am a XXXX XXXX  XXXX Veteran in Texas and my mortgage company is still charging me for property taxes. They have neglected to update my escrow balance to reflect my exemption. They also did not update my property insurance premium payment & is deducting more than what it should be. 

I have contacted my local property tax office and they are tracking my exemption from property taxes for my home.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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: Debt collection

I have been through lots of undue torture between you ( XXXX and XXXX ). Here I am, a law-abiding tenant who doesn't have a history of late payment being put under undue pressure just because I had the effrontery to stand up to a management staff and in retaliation was told to start parking my vehicle outside the premises. 

As such, I was incurring towing fees, which made me break my lease and since XXXX knew they could hide the lease agreement to perpetuate their evil act, I was charged the lease termination fee. They took me to collections and I didn't make a fuss about it and tried to work with you ( Genesis ). 

You sent me an email claiming I may qualify for a 25 % deduction, which made me reach out to reason with you and since we didn't come to an agreement, I went about my way. I got the same notification again and reached back out and you insulted me by saying I should get off your phone if I can't pay you {$3300.00} or so, which made me go off on the guy called XXXX. 

To my amazement, someone named XXXX reached out to me via text saying I qualified for significant savings, it would expire soon and that's when I reached out for this final negotiation. 

XXXX agreed to a payment of {$2200.00} as my final payment so I thought, only for you to turn around to claim that the {$2200.00} is a single clean-up for me and the balance belongs to my husband. I, unfortunately, don't recall that verbiage as that may have been your plan all along with your boss to ensnare yourselves ( not me ). You XXXX, didn't send me the invoice receipt of my payment and the communication to advise me of the cleanup of my credit record as promised, more so, you started dodging my calls as you never called back despite what I was told by your colleagues you would severally. 

You were deceptive in how you collected this debt from me. You blatantly lied to me. There was no mention of my husband going to pay another portion until I made the payment of {$2200.00} which means you used trickery on me. 
I would like for you to provide all communications including telephone records to prove what we had agreed upon as that is the only evidence I have right now to prove my case.
Product: Credit reporting

I had an account that was deleted on XX/XX/XXXX from Trans Union and reinserted on XX/XX/XXXX.And it was removed on XXXX on XX/XX/XXXX and then reinserted on XXXX. I never received any notification that it was being reinserted from either bureau and there was no reason for it to be reinserted. Per the FCRA laws I am to be given a 5 day notification and I wasnt .I have at this point contacted an attorney and will go forward with a law suit if not removed and hopefully with your help it will be removed again finally. 
I want the account re-removed because they have failed to follow the law 1681 a 5 a of the FCRA 611 5b.
Product: Credit card

I applied on line for an American Express " Platinum '' credit card on XX/XX/2023. 
After realizing that American Express has many different types of " Platinum '' cards with different perks and fees I discovered that I mistakenly applied for a different " Platinum '' card than I had intended. 

I then called them on XX/XX/XXXX  and explained to them that I had not intended to apply for this particular " Platinum '' card and asked that it be cancelled. 

I never received or activated a card from them and did not receive any further mail, email communication or statements from them regarding the matter until XX/XX/XXXX at which time I received a statement saying I owed a {$250.00} annual fee. 

I immediately called American Express expressing my concern and was told it would be looked into and I would be contacted with-in 10 days by email which they did not do. 

I followed up on XX/XX/XXXX  and was told there was nothing they would do and that I am responsible for the {$250.00} fee. I again requested cancellation and have yet to hear back concerning the cancellation. I should not be responsible for this {$250.00} fee.
Product: Consumer Loan

Due to being unemployed, I fell behind on my car loan payments. I was contacted, and tried to deal with the issue right away. I remained in contact with the lender, despite their poor communication skills. I could n't afford to pay the full amount ; so I was offered a deferment plan. I was to pay fees ( {$95.00} ) immediately, and pay the loan amount {$180.00}, by XX/XX/XXXX. I paid the {$95.00} immediately on XXXX XXXX 2016 via XXXX, using the loan companies pin number. They would n't accept my debit card ; or automatic payments, and said I had to use XXXX XXXX. I have a hard copy of the receipt. I paid with cash. I sent an email to the Loan Company immediately after making the payment. I did n't hear anything back from them. They have my email, work number, cell number, the number of a friend, and my address. I assumed all was well. Unfortunately, XXXX sent the money to XXXX, and did n't send the money to the lender. XXXX admitted guilt. Need-less-to-say, the lender never received payment. They repossessed my vehicle XXXX. The lender will not let me speak to a manager ; or a supervisor until I make a full payment : {$960.00}. Please, help me resolve this issue.
Product: Debt collection

Account Name : CAPITAL ONE Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$670.00} Reason : Identity theft Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Case Reference Number : XXXX Dear XXXX  XXXX XXXX XXXX, I am responding to your submission to the Consumer Financial Protection Bureau regarding my XXXX XXXX XXXX XXXX account ending in XXXX. I appreciate your efforts to investigate this matter, but I must assert that several issues remain unresolved, and I believe federal law violations exist. 

Truth in Lending Act ( TILA ) - Title 15 USC 1601 : Requires lenders to disclose key terms and costs of credit for car loans. I did not see that or a copy of my notice of my right to rescind.

I request my downpayment FOR VIOLATION OF Title 15 USC 1605 ( a ) & ( b ) My downpayment was not factored in the finance charge as on page 4 that you sent.

Fair Credit Billing Act ( FCBA ) - Title 15 USC 1666 & Regulation Z ( 12 CFR Part 1026 ) & Discrepancies in Balance ( Title 15 USC 1639 ) : The balance listed in the document you provided on XX/XX/XXXX said the balance was {$310000.00}, which is not reflected on my credit report. 
The balance of page XXXX of the document you provided stated the balance was {$4800.00} On my credit report published XX/XX/XXXX, proves your response about everything being accurate to be false : They all show inaccurate information which was published by XXXX stated in your response. Please see highlighted portions. 

Regardless of XXXX  preference Equal Credit Opportunity Act ( ECOA ) - Title 15 USC 1691 et seq. protects me, from XXXX from continuously furnishing inaccurate information that is reflecting negatively on my protected class. 

Please provide the address that the car was removed from and the call to prove that my XXXX mail was non-deliverable and that I continued to send mail there. 
On pages XXXX and XXXX of the documents XXXX sent, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX stated that XXXX had my car because I broke promises in our agreement. Please describe the broken promises in our agreement. Also, please provide the agreement made between XXXX and me. 


Please see the three attachments : ( 1 ) confirming my identity, ( XXXX ) from XXXX, ( XXXX ) from me, with evidence of the fraud committed against me
Product: Checking or savings account

Hello, the reason for this email is because in XX/XX/2021 I applied for the PPP loan. I work as an independent contractorfor XXXX. With all the information that they requested, the application was sent to the SBA for confirmation or eligibility. The loan was approved by the SBA and two different institutions gave me the loan. Part of that money I have used to pay my past due bills, such as a car loan that I use for work, gasoline, rent, etc. 
On XX/XX/XXXX I went to the capital one bank located at XXXX XXXX XXXX, XXXX, NY XXXX to make a withdrawal from the account which is a joint account with my mother and stepfather, where they receive their social security checks and XXXX. the bank teller tells me that the account is frozen and that I have to call the bank. XXXX customer protection. 
I called them and they only told me that the account is under investigation for the PPP deposit. The last time I call I want to give them all my documents and application to show that everything is in order, but there is no way to send the information. This is very frustrating because it not only they have my loan money frozen, but also my parents ' social security money. I need someone from Capital One Bank to contact me so I can provide the documentation they need and that I am responsible for that loan Which I have to pay back .Thanks
Product: Student loan

Navient was sued by the United States Consumer Federal Protection Bureau and Pennsylvania Attorney General XXXX for their deceptive practices and more concerning Student Loan Debt. 
U. S. Department of Education was also involved and named in the Class Action Lawsuit.

Navient showed my account being adjusted due to claim, the settlement claim but the U.S. Department of Education never made any adjustments to my account as a result of the Class Action Lawsuit and at this moment during this Coronavirus Pandemic the world is facing, there are penalties being added to my account and deeply affecting my credit reports. 
It seems as though both agencies are still continuing their deceitful practices and handling of the Student Loan Accounts. U.S. Department of Education is not taking or accepting any part of these entries being part of Navient. Federal and Private Student Loan Accounts were handled by Navient and some were showing as double or triple accounts with penalties being added almost daily and being reported to the credit bureaus, affecting the credit scores and overall life. 
I am asking to have a copy of the results showing my Student Loan Account Forgiven in all as a result of the claim. I want a letter showing all account numbers, all of the amounts removed to include all penalties waived or reversed. 
Neither agency nor some of the employees seem to care about nothing else but to ruin other people lives even more so to included possibly having them XXXX or XXXX   themselves during this Coronavirus Pandemic. 
How can anyone try to help others when other people are doing a job to ruin lives with negative and incorrect entries on their credit life. 
Please read : XXXX XXXX XXXX Thank you, XXXX XXXX
Product: Mortgage

Since XX/XX/XXXX the borrowers XXXX and XXXX XXXX have made SEVERAL attempts to resolve the XXXX lien dilemma with Specialized Loan Servicing. The problem begin when the homeowners sought to refinance prior to the maturity of the XXXX lien. The request was denied due to the " lack of equity '' found by the mortgage company - XXXX XXXX. Immediately contact was made with SLS to advise of the challenge prior to maturity. SLS stated the borrowers had to complete a hardship package and submitt via fax or email. The package was sent to borrowers and promptly completed in XX/XX/XXXX. The borrowers stated in supporting documents that they needed to settle the debt which they were told the file was under review for this option. However on at least 4 different occassions since this request was opened the borrowers have received loan modification packages which grossly exceed the borrowers affordability. The payment prior to the end of the maturity was under {$200.00} per month however since numerous requested for settlement, SLS releases calling for monthly payments that begin initially with {$600.00} to now over {$700.00} per month for the next 5 years. NO financial information has ever been submitted, because it is non-existent, that supports they can pay this! .Each and every time the various representatives - XXXX, XXXX , XXXX , XXXX and lastly XXXX , converse with me the do n't have the ability to comprehend what the request is of the borrowers and always ask for the Foreclosure prevention Change of Intent form. This form has been sent no less than 7 times! The borrowers have stated they would like to keep their property, submitted the settlement offer and proof of funds available to pay the settlement but this has been to no avail. I am told that the file is with the underwriter and most recently, I was told that there is equity in the home although I submitted a certified copy of the lenders appraisal which denied the refinance to include the SLS XXXX lien because of value.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was cancelled by my auto insurance company, XXXX XXXX due to claims. My daughter had a wreck and they cancelled my policy and renewed her policy due to my guaranteed endorsement was on her policy. I have been fighting with XXXX XXXX because I have had them since I was XXXX because they shouldn't have cancelled me. I realized they use Lexis Nexus so I ordered my report. I received a letter in the mail with a pin code. I now know why I have been turned down from credit from XXXX a while back and others. They are reporting my bankruptcy and other debts that I'm not aware of. I tried to save my report to a file and it would not save it. I went back and tried to print it at work and it won't allow me to print it and I have to request another pin. That should not be correct. How do they get away with reporting my information to creditors and insurance companies and I'm not allowed to print out a copy of my report? I am so upset. I tried to call the XXXX number but it refers me to order another report which takes 7-10 days to get. Please assist me in getting my report as soon as possible. This has caused me to get turned down.Also, claims on the clue report that they publish are actually tows for cars that I had towed because they broke down and XXXX XXXX is counting them as claims and has caused me to be rated higher on insurance.
Product: Checking or savings account

Been a Chase bank customer for 15 years without any overdraft fees. XXXX currently in XXXX XXXX where chase has no bank presence. Called XXXX regarding overdraft warning on my account. Told them that I already deposited the total amount plus more money to have on account to avoid future overdraft fees. Even tho they threat me that I am going to get a {$35.00} overdraft fee. Requested to CLOSE account before the overdraft fee happens and was denied.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the electronic funds transfer act ( efta ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect information on the credit report. Not certain where did they get this information from. The following address and phone numbers belong to someone else and do not belong on the credit report : XXXX XXXX XXXX  XXXX, ny XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, ny XXXX XXXX XXXX XXXX XXXX, new York XXXX these phone numbers definitely belong to someone else and should not be on this credit report : XXXX XXXX XXXX 2XXXX XXXX  XXXX XXXX XXXX XXXX XXXX all of those address and phone numbers belong to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I have officially disputed the fraud several times. Please remove the fraudulent information immediately from my file. 

Account : Chase Acct # XXXX- The entire balance is due to fraud charges. I spoke with Chase Fraud department and went line by line and paid what we agreed was not fraud charges. they removed the charges and told me I was not liable for the remaining charges. 

The account has once again shown up on my credit report after a year. 

Once the fraudulent information has been removed, please send me a copy of my corrected credit report. If you have any questions I can be reached at ( XXXX ) XXXX. I look forward to hearing fro you soon. 

I tried to upload pdf of police report but was unable to file being over 10mb. I have uploaded page 3 of report.