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

I had purchased a home back in XXXX 2007 and XXXX XXXX XXXX had approved the first mortgage. I wanted to make changes around the home and decided to apply for a HELOC and was approved for the equity line. I had paid my payments on time until circumstances beyond my control left me in a financial bind. I struggled to keep my payments current and finally I was unable to keep up with all obligations. With the housing development that took place I was upside down on my property. I spoke with an attorney who explained I could short sale the house and though it was going to still be a negative reporting situation it would n't be a foreclosure and the bank would still recoup some of their funds. I gave Power of Attorney to my Attorney to handle the confusing processXXXX XXXX XXXXXXXX XXXX did agree to the short sale but then I was informed the 2nd mortgage had to remove it 's 2nd lien to be able to do so. There was an agreement made with XXXX XXXX to remove the lien but that we would still pay them which we have. In the process of having this drawn up XXXX XXXX XXXX transferred the mortgage to Nationstar Mortgage. My attorney had tried to complete the short sale but Nationstar would not communicate with our attorney. 
We had moved from the home and were over an hour away from the property. We were never notified that the house was being foreclosed on. My wife had driven by the house to try and complete the clearing of our items when she saw there was a notice pinned on the door indicating the house foreclosed. We spoke to the attorney and he said they did not reach out to him nor us and at no time did they try to communicate with us. 
I have tried to get information from NationStar and they still will not respond. I have disputed this with the bureaus and the bureaus have been no help. The way this unfolded was underhanded when we were only trying to do the right thing. 
I have requested records from NationStar payment history etc, and they will not respond.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax regarding their reporting of closed accounts on my credit report. These accounts no longer benefit my credit profile and are unfairly impacting my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), Section 1681e ( b ), credit reporting agencies are required to ensure the accuracy and relevance of the information reported. The inclusion of these closed accounts, which are outdated and no longer relevant, violate this requirement. Additionally, Section 1681c outlines specific guidelines for the exclusion of obsolete or outdated information from credit reports, which Equifax are not adhering to in this instance.

Despite my attempts to resolve this issue with Equifax, the closed accounts remain on my report without justification.

This reporting has negatively impacted my ability to improve my credit score. I respectfully request that your office investigate this matter to ensure that Equifax complies with the FCRA by removing these closed accounts are inaccurate, obsolete, or unhelpful to my credit profile. 

Thank you for your time and assistance in this matter. 

Thanks XXXX XXXX XXXX XXXX
Product: Checking or savings account

Ally offered a cash bonus program : enroll by XX/XX/XXXX, confirmed by email move money by XX/XX/XXXX, moved {$50000.00} on XX/XX/XXXX keep money in account thru XX/XX/XXXX, confirmed 1 % bonus ( XXXX ) to be paid on or by XX/XX/XXXX Corresponded 4 times with Ally on why I have not received my bonus payment this is response I keep receiving : Dear XXXX, Thank you for taking the time to contact Ally Bank. It is my pleasure to assist you today. I apologize for the delay in my response to your message and any inconvenience it may have caused Thank you for contacting us to let us know about your negative experience with Ally Bank. I apologize for any inconvenience that may have been caused. Customer satisfaction is important to us, so we take all complaints very seriously. 

I am sorry. Your inquiry is being researched. Due to the popularity of the incentive and specific nature of the inquiry, we can not provide a turnaround time at this time. Your request is a priority, and it will be worked in the order in which it is received. Your reference number is XXXX. 

We appreciate your business and want to thank you for choosing Ally Bank. If you have any additional questions, we are here for you XXXX hours a day, XXXX days a week, by phone, Live Chat, or Secure Messaging. Our toll-free number is XXXX ( XXXX ) or you can visit us online at ally.com. 

Sincerely, XXXX Customer Service Ally Bank
Product: Credit reporting

I have disputed an account with Experian and the credit reporter and also provided documentation to establish the reporting companies failure to respond appropriately in accordance with Federal and State regulatory laws. This is my final attempt to have the reporting agencies correct the fraudulent information that does not belong to me, and that the company has failed to prove by the virtue of the laws governing.
Product: Mortgage

Request a RESPA from XXXX XXXX XXXX XXXX However they redirected tequest to servicing company ( WELLS FARGO ). 

Requesting XXXX, TILA & RESPA from first date of origination XX/XX/XXXX. 

XXXX XXXX originators filed bankruptcy, sent to ASC and now Wells Fargo. 

Also, request a amorizatiin from XX/XX/XXXX-present.
Product: Credit card

These hard inquiries are showing on my credit report. I have included the date of the inquiry, as well as the company name listed. I have never signed up for any of these credit cards, or even considered doing so. This is clearly fraud. 

XX/XX/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 I have attempted to contact Citibank, and it's nearly impossible to get a hold of anyone that will help, even through their Fraud XXXX 's honestly crazy. They'll either reconnect me to another department that can't help, or connect me to a number that has an automated system which will only ask me for my card details, which I do not have. It's very frustrating, and I worry that someone is going to end up receiving a card in my name and start racking up credit.
Product: Debt collection

On XX/XX/XXXX, I received mail from XXXX XXXX XXXX saying that I owed them {$3700.00} for a XXXX XXXX Debt. The letter had my name and address. I called Cedars and they " told me '' the XXXX XXXX  Account associated with the XXXX XXXX Account. I filed a police report the evening of XX/XX/XXXX. 

The next morning XX/XX/XXXX, I went to XXXX. They told me there was no account with that # associated with me and as I knew, no account there associated with me. 

I sent XXXX the Police Report and told them there was no such XXXX account associated with me. They said they would investigate. 

I also emailed XXXX XXXX the information, as I could not call them. I said I did not understand how my address and email address could be associated with a XXXX XXXX account if I never received anything. They said they would investigate. 

I never had a XXXX XXXX account. Nor have any of my financial accounts been associated with XXXX XXXX. 

The local police XXXX spoke to XXXX legal team after he sent them a subpoena. XXXX sent a letter back to the police on XX/XX/XXXX saying : " XXXX is unable to respond to this subpoena as we have not been given sufficient information to locate a XXXX Kings Account. The " account number '' provided in the subpoena is not a XXXX account number. In the accompanying document you provided from XXXX XXXX XXXX, the " XXXX XXXX number '' [ sic ] provided likely belongs to XXXX of the third-party payment processors XXXX uses. XXXX XXXX XXXX is a debt collector that was likely hired by the processor to recover a chargeback from XXXX XXXX 's bank account. XXXX has no further information on this. '' Again, I have never used XXXX and have no financial accounts affiliated with them in any way. 

I believe that XXXX XXXX XXXX XXXX is committing fraud. My name and address and email should have no association with any chargeback issue that XXXX is having. I have been shown no proof of any affiliation of myself with this matter.
Product: Debt collection

I made several attempts to remove XXXXXXXX XXXX off my Equifax credit report and was unsuccessful. There are 2 of the same reportings with the same amount and one different amount but all three accts are from the same company. They failed to verify validity of the account and Equifax failed to respond and remove said reports
Product: Debt collection

XXXX has been attempting for over two years to collect for an iPhone that I had " refused shipment on and they sent me an email that they had received the iPhone back in their factory. Yet for over two years XXXX has turned over to XXXX separate debt collection agencies, first in XXXX/XXXX/XXXX, XXXX XXXX collection agency for XXXX Account, then in XXXX/XXXX/XXXX IC Systems in XXXX XXXX, MN. In XXXX I faxed an XXXX explanation to XXXX yet one year later they have turned it over to another collection agency in MN. This constitutes harassment and I ask that you stop them.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that the accounts are fraudulent though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 
Dear Sir or Madam : I, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Do hereby attest that I am a victim of XXXX for purposes of section XXXX the Fair Credit Reporting Act.This statement.- [ ] As discussed below under XXXXXXXX XXXX XXXX XXXX  of the final rule, the Bureau not adopting any exceptions to the requirement that consumer reporting agencies block adverse information that resulted from XXXX. The information listed below, XXXX appears on my credit report, is the result of that XXXX  Identify item ( s ) case # s listed below and all resulting from XXXX that should be blocked, by name of source 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 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 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 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 TransUnion 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 card

I did not open or have knowledge of this account. After asking the credit companies to check my account for fraud they added another fraudulent account I never requested or opened.
Product: Mortgage

This is regarding the business Greentree Servicing. I have been trying to make my mortgage payment for the past two-three weeks. No one at the company is answering the phone/my calls and the company 's website wont take my payment online. I originally made a payment on XXXX XXXX and was told on XXXX XXXX that it did not go through. I called on XXXX and everyday since then to try making the payment again and have yet to reach someone with the company. The only contact number I can find in relation to payments is ( XXXX ) XXXX, and no one is answering. I do not know what else to do and its getting close to the end of the month. I do not want this to be reported on my credit when I actually do have the money to make the payment. Anything that you can do to help would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last year, I have since Equifax and XXXX multiple letters and documentation asking their companies to provide the documents that was used to verify the accounts I disputed. The last letter I sent was 30 days ago and they still can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete a information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible
Product: Mortgage

Regarding about previous complaint and response from mortgage company. We did not agree because we live in XXXX XXXX County and our house locate in XXXX XXXX County. However, mortgage company pay the property tax to different county which is XXXX XXXX County, they have serious violate rule and regulation to identity APN number and correct county for borrower. At fault, they have to demand the money back from XXXX XXXX county and return to us. We dont have any house or owe the XXXX XXXX County balance. We did not agree with their response
Product: Credit card or prepaid card

We own a restaurant in XXXX and during Covid we were not able to pay our personal credit cards and loans so we called the credit card companies to defer the payments and to close out accounts to lower the interest rate. Now, I am current with the credit cards and trying to get pre-qualified to purchase a home but I can't get approved because of the 30, 60, 90 days late payments that were incurred during the end of XXXX through the beginning XXXX. According the president, the late fees were not to be assessed during Covid and the creditors would help out. Well, I come to find out that is not the case since I am trying to get pre-approved and my credit score is being affected from the late payments.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX ( Zelle ) took multiple unauthorized payments totaling {$1200.00}, as well as having to close my bank account due to non-reimbursement of funds due to non-authorization.
Product: Debt collection

Opened a car loan account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX back on XX/XX/XXXX the loan was going smoothly and payments were made until a move/job relocation in they did a special two month loan to help out near the end of that I find out ( through Pinnacle ) that they are demanding payment for the two months missed. I notified the Tennessee State Attorney General 's office regarding this and they ruled in my favor ( and they backed off ). The job I was working at fell through and I started to struggle falling behind on nearly EVERYTHING In XX/XX/XXXX I decided to file for a Ch XXXX bankruptcy. The timing of the file may have sent out a payment collection notice from Pinnacle a few days after it was filed. But I still continued to get payment notices from them in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. A total of four letters for payment demand. I notified my attorney on this and they did NOTHING. Due to work conflicts I was unable to meet two of their demands and the bankruptcy was dismissed. At this time I also noticed that my credit report took a serious hit due to no payment from Pinnacle in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX r I contacted them about it an dtonight XX/XX/XXXX from their " legal counsel '' that they are going to sue me for the payment and the fact I got payment demands from them while I was in bankruptcy does not matter ( yes it does ) so I am sending this to you now and going to stop at the county courthouse tomorrow after work to file a lawsuit fo rdamages caused by them in violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several inaccuracies that are negatively affecting my credit standing. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into the following accounts to verify their accuracy. Please find the details below : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX I kindly request that you investigate these accounts and provide me with the results. If you find any errors, please correct them and send me an updated copy of my credit report. Additionally, if any information can not be verified, I ask that it be removed from my report. 

Enclosed are copies of my identification and supporting documents related to this dispute. Please complete your investigation within the timeframe required by law. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Mortgage

My lender and/or mortgage loan servicer is practicing unfairly and in dad faith. I fell behind on my mortgage due to lost in income and on XX/XX/XXXX I received notice that a Foreclosure proceeding had commenced on me with a conference date of XX/XX/XXXX. I attending and expressed my reason for failing behind and concern for the excessive fees in the amount of {$5800.00} being charge above what I owed for principal, interest, tax, which at the time was {$9900.00} - {$730.00} an unapplied balance ( I pay insurance out of pocket ). 
Fast forward a few conferences and a lot of conversations with the server XXXX my Modification application was determined complete as of XX/XX/XXXX. XX/XX/XXXX my loan was transferred from XXXX to SNSC. After numerous attempts to contact the new server on XX/XX/XXXX I receive an email from their attorney stating they had received my messages but are not interested in speaking to me and requesting additional documentation which was sent followed by an additional request on XX/XX/XXXX in which all documentation was finalized on XX/XX/XXXX. XX/XX/XXXX I received a letter from SNSC stating I was approved for a modification and should expect a packet in the mail, which I had 14 days to review and return by this time I was corresponding with the server by email. 
XX/XX/XXXX I reached out to the asset manager in reference to the letter and was informed no such thing existed and insurance information was requested of me, which I provided. I proved to her that I had indeed received the letter. 
XX/XX/XXXX I received a really brief email from another rep stating their modification terms, principal will increase from {$180000.00} to {$200000.00} interest rate will increase from 3 % to 5 % and payment will increase from {$810.00} to {$1100.00} for 480 months and requesting two good faith payments of {$810.00} before the XXXX month trial period started on XX/XX/XXXX. I made one good faith payment on XX/XX/XXXX. 
XX/XX/XXXX we had a settlement conference in which the court voiced thire concern for the interest rate hike since it was above current rates and the court advised plaintiff to comply with rates currently being offered if they needed to raise the rate, it was also directed that I receive an itemized explanation of the {$10000.00} in additional fees being charged above total mortgage payments due of {$15000.00}. 
XX/XX/XXXX after a few more emails I received their final Modification offer Initial Rate : 4.50 % for the first 24 months, Step rate will increase to 5.00 % after 24 months all other terms remained the same as last offer. These terms are unfair and have been provided to me via email with no follow up letter stating my rights or available options. I am hoping we can come to an affordable agreement where the final mortgage payment is affordable and hopefully the fees are not excessive.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer report I must inform you that there are unauthorized inquiries and inaccurate information being furnished on my report that must be removed immediately pursuant to the FCRA.
Product: Debt collection

Under the FDCPA, your right to dispute the. I was not given the right to dispute the dispute of {$200.00} by this debt collection on XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

I request through CFPB on XX/XX/XXXX and several more dates back to XXXXXXXX
Product: Consumer Loan

on XX/XX/XXXX My now deceased wife and myself secured a loan for a camper. The loan amount was for {$24000.00}. The court document I received on XX/XX/XXXX states that my monthly payments are {$260.00}. The court document I received on XX/XX/XXXX states my payments were {$280.00}. The first point I bring up is how am I suppose to trust their math when the numbers are different. This would be a big discrepancy on the amount I supposedly owe. I also bring up another problem in which comes in the form of letters right from XXXX. I have statements in which it states I owe a balance of {$8000.00}. This is before the camper was sold by XXXX for the amount of {$5500.00}. Their is also a letter from XXXX stating they charged off an amount of {$7500.00}, and then another {$3800.00}. The total amount charged off is {$11000.00}. I have a credit report statement in which it reflects a charge off for {$8000.00}. None of these numbers match. Should a credit report show all charge offs? This is another big discrepancy. The main complaint is the fact that one of their XXXX ( collection Agent ) by the name of XXXX continued to call me personally. During these phone calls XXXX was threatening and very loud and argumentative. XXXX would also use profanities during these calls. I have a witness to this as well as detailed phone records with his number for the time frame of harassment. XXXX is being fraudulent in reporting the accurate numbers. I also noticed XXXX is no longer assigned to my case. I had brought this to the attention of the Bank. I have attached documents in which proves all information in which I filed today.
Product: Credit card or prepaid card

I was placed on an account as an authorized user and removed by the primary user. The credit card company is trying to report this as my charge off.