23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I first reached out XXXX XXXX XXXXXXXX to the company via email about the issue. It stated they have a new verification process to where they have you enter your name then upload your identification card or drivers license or passport etc. I uploaded my NON expired I.D . that I have always used and it is not torn, scraped, or damaged so it is very legible. I previously pulled credit from them for months and made my monthly payments on time from my ACH ACCOUNT and all of a sudden I received an email stating they were unable to verify me and I could no longer pull my XXXX line of credit. It has not updated my XXXX XXXX but it says it has but I have the XXXX, XXXX, and XXXX XXXX which do not match. Now they have been going back and forth with me through emails stating there is nothing they can do to overturn the decision but I am responsible for paying them back but even while trying to make payments nothing is being pulled because it keeps saying reconnect bank account and its grayed out as if I can not connect. For the longest they were pulling money from my bank account so for them to say they can not verify me how are they able to pull money from my bank account which has the same name and identity. This is an account on my credit that can not be accurately accounted for if im unable to pull and pay them. I asked for a XXXX to help but told me there is nothing they can do as it is a XXXX time decision and they can not reverify me which makes no sense. How am I able to pay a company back who claims they can not verify me.
Product: Mortgage

The previous mortgage service company never honored a XXXX loan modification of reducing my rate from XXXX to 5 %. At or near the end of XXXX, they agreed to reduce the rate to some crazy low number, write off excess deferred interest and drop our payment. We never received confirmation of the changes and they sold our mortgage to Caliber Home loans. We received a letter from Caliber in XXXX XXXX that said we should expect a welcome packet. We never received this. I tried calling the phone number attached to the paper but since I did n't have an account number, I kept getting disconnected. After MONTHS of not receiving a mortgage statement, I assumed my previous servicer had done what was requested initially and reapplied the excess payments and paid our mortgage ahead by a year. At the end of XXXX, I came home to a letter attached to my front door that stated the property appeared to be vacant and to call a number for XXXX if it was not vacant. I called and let them know the house was obviously not vacant as there was furniture, food etc in the house. I asked her who was responsible for saying my house was vacant, she said the mortgage company. I asked her who the company was, she indicated she did n't know. She would not provide me with a phone number or even a name. On XXXX/XXXX/XXXX, XXXX came into my home, changed my locks and winterized my home without my knowledge or consent. Their was a phone number left on my front door and I was FINALLY able to contact the mortgage company. I spoke with a XXXX XXXX at XXXX who seemed very apologetic, did not offer me an explanation and gave me the code to the lock box with my keys in it to MY HOUSE. We do not occupy the house full time right now but we still have a lot of things in the house that is our private property. On XXXX, we were looking for some specific items and started to realize things were missing. XXXX not only came into our home unauthorized, they stole about {$5000.00} worth of tools and coins. They placed locks on our lawn equipment so that we could not keep our yard manicured. We filed a police report with XXXX XXXX police, the following day, I contacted XXXX XXXX again. Asked her the status of my loan. The house is NOT foreclosed, no sale date pending but is in the starting process of foreclosure. We have NOT received a mortgage statement since the last servicer! There has been NO indication of a foreclosure. She only wanted to refer me to customer service. I do n't even have the phone number, only her direct number. We contacted XXXX at XXXX and they would not provide us any info about the person who entered our home and stole our things and destroyed our house.
Product: Credit reporting or other personal consumer reports

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 und
er 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit card or prepaid card

CitiBank Customer Service reps sound like they re in a fish bowl. Transferred 5x and everyone sounded same. Trying to resolve issue but can't understand a word they say.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
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

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Delete this Charge-off ( XXXX  account # XXXX ) for inaccuracy because previously you stated that you verified this account and I disagree the date last active show XX/XX/XXXX on XXXX XXXX, XX/XX/XXXX XXXX XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my credit file that does not belong to me. I have sent the credit agencies letters to dispute these accounts. The listed accounts are reporting as a result of identity theft. Please remove the following accounts and incorrect information from my credit file : Incorrect Name : XXXX XXXX ( Equifax ) Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, ( XXXX & XXXX ) Identity Theft Account : XXXX XXXX XXXX XXXX ( XXXX   & XXXX ) Identity Theft Account : XXXX XXXX XXXX ( XXXX & XXXX ) Inquiries : XXXX XXXX  XXXX ( 2 Times ), XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( 3 Times ), XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Checking or savings account

I opened an account with M & T Bank on XX/XX/XXXX. On XX/XX/XXXX per their promotion for a {$350.00} bonus payment I deposited {$500.00} from my payroll into the account. The bank subsequently added a condition to the bonus page showing their were zip code requirements for the bonus. This was not on the bonus offer when I opened the account. When I contacted the bank to ask about the bonus I was told I was not eligible for the bonus as I did not live in the XXXX XXXX and that the bonus was only for residents for XXXX XXXX. I asked to then close the account without a fee and was told I would need to go to a branch to close the account and no mention of the early account closure fee. I would like to receive the bonus as promised. I have a screenshot of the bonus offer from XX/XX/XXXX as proof.
Product: Checking or savings account

On XX/XX/XXXX I used my Wells Fargo checking account to make a payment on my XXXX XXXX Credit Card. Despite having more than enough funds in my Wells Fargo Account, it claimed to have some sort of issue and took the money back from XXXX, without putting it back into my account. Because of this, my credit card balance remained the same ( but I also got charged {$41.00} on XX/XX/XXXX by XXXX for returned check charge ) and Wells Fargo kept the money without returning it to me. The payment I made was {$120.00}, so with the {$41.00} fee, I am out {$160.00} because of Wells Fargo. My credit card review shows Wells Fargo made and withdrew the payment twice. This isn't the first time Wells Fargo has played with my money and I've seriously considered switching banks but I want my money back first.
Product: Credit reporting or other personal consumer reports

I am writing to seek clarification and verification regarding the reported late payment associated with my CAPITAL ONE account, XXXX which I have recently discovered on my credit report. I do not recall having a late payment for this account, and I kindly request your assistance in resolving this matter. 
I value my financial responsibilities and have maintained a strong commitment to ensuring that my accounts are managed diligently and payments are made promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 AND on XX/XX/2022 an inquiry was made by the same merchant via a third party called Xactus lllc without my consent. I would like to have one or both of these inquiries removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are reporting inaccuracies and have not responded to my letters in which they are required to in 30 days by FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to discard this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. I need these accounts removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I called Green Tree Servicing LLC on XXXX XXXX, 2015 to get clarification on how PMI could be removed from my home loan. The Representative I spoke with gave me inacurate information which lead me to request an appraisal in order to remove the PMI. At the end of XXXX I received my appraisal with a letter declining the removal of my PMI. The letter completely contradicted the information given to me on XXXX XXXX. I immediately contacted Green Tree to explain the situation and request the removal of the {$420.00} appraisal fee. Since then Green Tree has admitted ( in writing ) that they gave me the wrong information but has refused to waive the appraisal fee. In addition, I received the worst customer service possible. Calls were never returned, questions went unanswered, etc. Attached is a letter that more thoroughly breaks down the details of this issue. Also attached is the denial letter from Green Tree Servicing LLC that makes absolutely no sense.
Product: Credit reporting

TO : CFPBFrom : XXXX XXXX : XXXX Reporting and EquifaxThank you not only for your help on previous matters but, the sincere heartfelt participation and effort of your group has made on my family 's behalf. 
Unfortunately, This is likely my last correspondence concerning this matter, frankly I just give up. 
For those of us who played by the rules and watched our lives be destroyed by unscrupulous servicers XXXX, we appreciate you. It would be great to get my credit rating back where it was and receive lower interest rates, cheaper insurance and credit cards, maybe a decent student loan. The XXXX settlement simply was n't and will never be enough. My bankruptcy was filed XXXX XXXX transferred in to XXXX, never reflecting the correct reporting as required on FCRA, it 's been a circus since then. 
I attached XXXX things, the Equifax reporting I just received in the mail and the actual transfer letter from XXXX XXXX. It 's not a XXXX XXXX issue, it 's an Equifax issue. No need to go back XXXX. 
I only have a XXXX education but, I can certainly read the Account History Status Code Descriptions. 
A-Labeled XXXX thru XXXX to reflect XXXX to a 149 days past due. Please read their " Account History with Status Codes '', does it not have the numbers XXXX thru XXXX being reported? 
B- Above it, it states " STATUS '' 60-89 days past due. 
C-Above that it states ( XXXX columns of from the left ) " DATE OF LAST PAYMENT '' XXXX, that is Equifax just not being serious, they transferred it without receiving a last payment. XXXX See transfer disclosure- ignore writings, that was XXXX BK Dept info ). If Equifax is counting the Check XXXX wrote to buy the loan as last payment, then every time a loan is transferred the cycle would start over. I believe FCRA intended for the last payment made be from the consumer. 
The date of last payment is important, under FCRA it 's 7 years to delete this line item. If they just make this up, my family is harmedI can only supply the proof, the rest is up to them. The entire reporting of the XXXX XXXX is to be deleted per FCRAXXXX
Product: Credit reporting or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX BANK XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Accounts need to be removed from report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2014 i was in XXXX  for a few days at the time this account had been opened, i spoken with the creditor and debt collectors along side with XXXX, XXXX and FTC. I'm dealing with different kinds of stolen identity issues and this is one of them i have not had the chance to verify my identity until i had spoken to the IRS regarding other issues including this one. i have followed the right steps, credit freeze etc. 




this document is my past of XXXX time
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXXXXXX : XXXX has violated my rights. 15 U.S.C 1681 section 602. A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reachable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incredibly inconsistent and more importantly incorrect reporting on behalf of all three mentioned reporting agencies, with XXXX in particular and to lesser extent by Equifax and even lesser with XXXX. The chief problem being with debt accounts that are not just classified incorrectly, causing the weighting against my FICO score to be massively inaccurate across then board as blatantly evident by the incredible amount of variance in the range of FICO values between these agencies. For the last 3-1/4s of the last decade I have tirelessly and fruitlessly on my own accord contested these inaccuracies time and time again to little or no avail, as such my last resort is to reach out to you.
Product: Credit card or prepaid card

Card ws hacked, unauthorized purchase, explained to Vanilla rep they said without gift card receipt I can't dispute it - card was a gift from elderly aunt, I don't have receipt and refuse to ask for one because she will fell terrible something wrong with card.
Product: Debt collection

A credit card issued by JPMCB card services, XXXX XXXX XXXX, XXXX, DE, opened XX/XX/XXXX lists on my credit reports a past due amount of {$18000.00} as of XX/XX/XXXX. I lost my job and became homeless in XXXX of XXXX. I attempted to keep paying until XXXX of XXXX, however I ran out of money and contacted JPMCB to let them know I was homeless and barely surviving and could not make payments due to lack of employment and no funds. They gave me a short grace period, added fees, penalties and kept charging me interest that soared beyond any amount I could pay, then went to collection where I said I could not make payments, then they charged it off.
Product: Payday loan, title loan, or personal loan

I had a prior loan with this company and refinanced it, on XX/XX/XXXX i refinanced my current loan, they automatically take the payments out of my bank every other week, ( on my payday ) While i was vacationing i had my bank account compromised, i called Rise and informed them of this and told them one payment would not clear but all subsequent payments would be fine, they then continued to take 6 payments and applied all to interest due to the one missed payment, but did not explain this missed payment would do this to my account, finally in XXXX i got a supervisor that credit one payment as interest only but I still do not feel taking over 600.00 in interest only payments due to the misfortune of my bank being compromised was fair to me nor did they explain to me this would be the case, they did not offer me options like a deferment to prevent this until 6 months after the fact. the payments that did not include any principle payment were dated XXXX, XXXX, XXXX, XXXX, XXXX, XXXX as shown on my invoice attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit has been pulled fraudulently. Please remove inquiry
Product: Mortgage

I was on CARES forbearance for 4 months, in XXXX I resumed making payments while BSI was working on loan modification documents. I asked if there are other options available for me and I was given only two : loan modification or lump sum of the missed payments because that's what I " qualified '' for although CFPB says if I have a federally-backed loan ( mine is VA ), my servicer can't make me pay in lump sum. I waited for the loan modification documents to come because the BSI representative I spoke to said there might be a " small '' interest rate hike. When I received the loan modification documents last week it was 3.5 %! my current rate is 2.75 % and no, 3.5 % is not " small '' and definitely not amenable. My VA loan technician and I have been trying to reach to BSI for over a week to discuss about my other options and to correct its inaccurate credit report that I'm behind my payments however we haven't heard from them. Today, I received a new online statement for {$14000.00} due in XXXX. I'm guessing this is an ultimatum from BSI because I haven't signed and returned the loan modification documents so next thing I have to do is lump sum payment?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$950.00} Creditor is charging a debt in which as a veteran I do not owe. All medical payments should be submitted to the Veteran Affairs XXXX facility nearest to the hospital of visit for payment. All document and information was provided to the medical facility. The medical facility failed to seek payment from the Veteran Affairs as instructed. This debt is not mine and I request the collection be REMOVED entirely from all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are people listed as family members from XXXX Ohio on my page and it also reports that I lived in Ohio. I have been through Ohio in passing, but ever to live in that state. 

This is most likely from Identity theft that I am seeing. I do not know how long this will continue but my report but I have asked to get this corrected several times. 

XXXX also detailed me as having these connections XXXX and Transunion XXXX XXXX  reported to me that there was an account opened in my name but it was not my account. 

XXXX XXXX XXXX has shown me that my SSN and DOB were exposed on the Dark Web several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never owned said vehicle finance by Navy Federal Credit Union. Have I told them to provide proof of this information and I have not received any proof of any loan documents with my signature?
Product: Payday loan, title loan, personal loan, or advance loan

Best Eggs gave me a loan for {$8000.00} with interest rate of 21.49 %. They charged me {$400.00} from the {$8000.00} depositing {$7600.00}. Best Eggs states in their loan agreement if I pay early I would pay less interest. Best Eggs charges a daily interest making that statement untrue. I was misled by the terms and conditions. This company preys upon people in need.

If you pay 5 days before due date the daily interest will begin accumulating from pay date until the next pay date so if you pay on due date next month you pay the interest saved with previous early payment.
Product: Credit reporting or other personal consumer reports

I am writing under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), Section 611, to formally request the removal of unauthorized or inaccurate hard inquiries from my credit report.

Specifically, I am disputing the following inquiries : XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion According to FCRA guidelines, only inquiries authorized by me in connection with a legitimate credit application should remain on my report. If you can not provide documented evidence of my consent for these inquiries, I respectfully request their immediate deletion.