23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX I defaulted on a mod ; in XXXX we settled on a XXXX mtge ( amount given to us by Citi-XXXX mtges held by Citi ) I have been ATTEMPTING to rectify and re-modify since ... Citi refuses to work with me ... claiming I make too much money for government programs HAMP/HARP not enough to hand them their money - I have an audit clearly showing robo signing fraud and broken chain of title - we are currently being reviewed for a modification AGAIN we send the same documents over and over again ... I HAVE RESPECTFULLY REQUESTED THAT THEY POSTPONE THE PENDING AUCTION DATE WHILE WE ARE NEGOTIATING ; TO NO AVAIL ... .CURRENT AUCTION DATE XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX sold off my account to first source advantage. ending in # XXXX on XX/XX/year> - paid an agreed upon amount of {$270.00} to settle the balance of {$460.00} as of XX/XX/year> - first source advantage is still reporting a deficient balance of {$180.00} to both themselves and XXXX per email # XXXX they refuse to update the account as settled and remove the balance. the payment was to resolve the account, not to have the remaining balance sit and negative effect qualifying.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat This item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Dear Regions, I have been a customer now for two years leading into three. My account has been affected in overdraft charge fees for XXXX. Ive had to call multiple times in order to understand the reason for those charges. I am a fan of Regions, however, I have thought about leaving and going to another bank because of this same reason. Ive had to change stipulations on my account and became upset with Regions employees because of charges made on my account. I had no idea that top Regions officers were making those illegal charges to accounts and my account just so happened to the affected by it. 

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

According to 15. U.S.C 1692C you have violated my rights by inlawful communication. Please remove this collection off of my credit report, thank you. 

My public information and account number has been shared it's illegal by law 15.U.S.C. 6802. Please remove this negative item from my credit report. Thank you
Product: Mortgage

In XXXX, I refinanced my property with XXXX XXXX XXXX , XXXX. I have had my property since XXXX when I originally purchased it. After my refi was approved and closed, XXXX XXXX XXXX transferred the servicing of the loan to Caliber Home Loans. Towards end of XXXX, caliber home loans did an escrow analysis which resulted to them increasing my monthly mortgage payments from {$1400.00} to {$1500.00}. I have always made my payments without being late or missing any payments. However, with the interest rates going down, I opted to do a streamline refi with XXXX XXXX. I submitted my application and all the required documents and was approved. When XXXX XXXX  requested the payoff statements from Caliber, they ( Caliber ) contacted me and advised me that if I stayed and refinanced with them, they would give me better terms than what was offered by XXXX XXXX. They also told me that the process would be as painless as I would not have to do an appraisal or income verification ( which to me was not a concern ). I went ahead and entertained their idea and applied for a conventional loan for a term of 25 years and locked the rates at 3.15 %. On XX/XX/XXXX, I got a text from Caliber saying that my loan had been conditionally approved and they provided a name and number of the person I should contact should I have any questions. After waiting several days without hearing from them, I contacted the phone number which had been provided and I did not get an answer. I emailed the representative who had working with me through the entire process and he did not respond to my email even after sending several emails. I eventually called an 800 number and was able to speak to a loan officer who after talking to several people internally, was able to direct me to the processor who was working on my loan. After some time, the processor called me and requested multiple documents from me ( although I had originally been told they were not required ). I promptly sent all requested documents within the same day but did not get any acknowledgment from the processor or the underwriter. After 6 days, I sent an email asking if they had everything that was needed from me to which he responded saying that he needed more information and would be sending me an email by the next day. After waiting for a further 4 days without response, I sent another email asking what else was needed and he never responded to me. After waiting with no communication coming my way, I opted to send another email on XX/XX/XXXX highlighting all my concerns and copied the general CFPB email ( XXXX ) and after sending that, I got a response from Caliber saying that they will send me a link to sign the disclosure and answer a couple questions which I did immediately. Since then, I have not received any further communication and I am at a loss of what is going on.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft.. I have never given any written consent to any credit reporting agency to furnish my credit report which is required by law pursuant to 15 US 1681b ( a ) ( 2 ). Permissible purpose is written consent. No consent is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have new and updated information on Transunion. Transunion is continuously violating my rights as a consumer pursuant to the FCRA 15 usc 1681a ( c ). I have attached my exhibits to show proof Transunion negligently and willfully noncompliance with federal law. 

Count 1 : Transunion refusing me the right to a proper investigation pursuant to the FCRA 15 USC 1681i by stating they will need up to 60 days for an investigation. However, this automated response is not in compliance with federal law 15 USC 1681i where it state a consumer should be given a 30 day investigation starting from the date of receipt of the dispute. Transunion received the dispute on the XXXX of XX/XX/2021 at XXXX. 30 days from that will be XX/XX/XXXX. See attached green receipt along with attached response from Transunion stating up to 60 days. 

Count 2 : Continuously updating inaccurate information while the investigation is going forward. I have attached an exhibit of continued inacurrate information updated and proof showing this information has not existed since 2021. However every month and any time I dispute with Transunion regarding this account it always " updated '' to further ruin my reputation.
Product: Checking or savings account

Citizens recently acquired part of XXXX. I have tried multiple times to call and have them close my account. Account times are either very long ( an hour plus ) or they point me to XXXX. I want all Citizens accounts closed. Additionally they sent checks and a debit card to different addresses exposing me to potential fraud.
Product: Credit reporting or other personal consumer reports

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 

Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$0.00} Date XXXX Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$15000.00} Date OpenedXXXX Account Number : XXXX XXXX XXXX Account # XXXX Balance : {$310000.00} Date OpenedXXXX  Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$3800.00} Date OpenedXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Based on Fair Credit Reporting Act Section 605B ( a ) you are require to remove the items which are opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These are the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I sent Validation letters to the creditors listed below, followed the FTC instructions. 

After 30 days sent proof to XXXX XXXX  and Equifax, Only Equifax refuses to remove from credit file,,, " XXXX and XXXX Has Removed ''. 

I have followed the FTC guidelines, Equifax will not. 
. 
XXXX XXXX {$78.00} XXXX XXXX {$83.00} XXXX XXXX XXXX {$87.00} XXXX XXXX {$87.00} XXXX XXXX {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX REASON IS EXPLAINED BELOW XX/XX/XXXX AVANTE USA REASON IS EXPLAINED BELOW XX/XX/XXXX DXXXX XXXX REASON IS EXPLAINED BELOW XX/XX/XXXX XXXX XXXX REASON IS EXPLAINED BELOW XX/XX/XXXX TO WHOM IT MAY CONCERN, This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named federal law. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for at least the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, then by law all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

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

As a consumer XXXX XXXX XXXX XXXX and the one with ALL THE POWER, these accounts on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission. I sent these credit reporting agencies a letter on XX/XX/2021 letting them know that these Fraudulent accounts were on my credit report. they were supposed to remove them after 4 days of receiving my statement, but still to this day XX/XX/2021 they have not removed it. this is against the FCRA laws and I feel violated. I pray the CFPB handles this case properly. Erroneous RESULT OF The XXXX  XXXXXXXX  Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX  Transunion and XXXX. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.SO DON'T TRY TO PULL THAT STALL TACTIC. If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). Also i request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove. Please see attached invoice and issue proper CONSIDERATION for damages I suffered immediately upon receipt of this letter.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative
Product: Credit reporting

XX/XX/XXXX I got a letter from the Department of Human Services telling me that when I submitted for my kids chips my information was breached. I immediately have a previous ID theft alert ( from another information breach ) updated with all XXXX credit reporting agencies. In XX/XX/XXXX I got something from Homeland security telling me the same thing because I am a FEMA certified adjuster. I sent a copy of this item also to the agencies. I found out ( When I was trying to get a mortgage that I was turned down for due to these inaccurate items ) that all three agencies allowed XXXX other items that were fraud on my credit file for 8.5 years instead of 7 and there are countless inquires and medical bills that reoccurs on my credit. Every time I write in concern of the inquires I get a letter back telling me that these items will remain 2 years even though I sent in proof that they were fraud. I also sent in proof of my XXXX insurance dating back to XX/XX/XXXX and all of the invoicing associated with my plan for those years as proof that the medical items that were on my report were fraud because they didnt match any of the visits under my itemized plan. I keep getting letters back from the agencies saying that the items were verified and will remain. I called the creditors and asked what documents they sent the agencies so that I can get a copy for the police. They told me that they only sent over itemized invoices with not signed documentation. I called and wrote the agencies asking them how can they dismiss my proven legitimate documents over invoices from a creditor. Still the items were allowed r=to remain. Not only these items but the inquires also are bringing my scores all the way down. Even my oldest daughter XXXX XXXX XXXX XXXX/XXXX/XXXX Has bills on her credit file starting from when she was only XXXX and they were allowed to remain. My son XXXX XXXX XXXX/XXXX/XXXX has a medical debt on his also ant it was allowed to remain as well. They are both under my plan and has been since XX/XX/XXXX and prior to that they were on XXXX ... They were part of the initial fraud alert back in XX/XX/XXXX. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity as well as the identity for my XXXX children as proof. I an working storm claims so I dont have a copy of the letters from DHS or FEMA on this computer but they should be easy to obtain by your agency. Also the credit agencies has a copy from back when I mailed them to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had bankruptcy. We attempted to reaffirm a XXXX  XXXX car loan in XXXX they never responded and we included it in the bankruptcy. We got it discharged in XXXX. Vehicle was repossessed voluntarily in XXXX. It showed up as a charged off debt on our credit report. In XXXX, I noticed our XXXX score dropping points every month due to a balance increase with XXXX XXXX XXXX We disputed this stating it was part of a bankruptcy. XXXX then reported the debt as REAFFIRMED and it popped up as a new debt on our credit report which XXXX and Experian also changed their reporting to Debt Reaffirmed and new debt. This is a 4 year old debt that was never reaffirmed and it's passed our NC statute of limitations for debt collection! I tried disputing again but XXXX dispute center won't accept the PDF documents of our petition and discharge. Experian only took off the remarks but the debt still show as current instead of charged off. XXXX didn't do anything. We are trying to get a house and this is wreaking havoc with over 20 points loss on each credit bureau!
Product: Credit card or prepaid card

In XXXX of XXXX, I rented a car from XXXX XXXX XXXX XXXX in XXXX XXXX, CA. They rented me a severely damaged car. Before I returned the car, they charged my Wells Fargo credit card for damages. Then they stated I caused the damage, even though it was damaged when I rented it. They charge me before they even saw the returned car. This is a scam run by the rental car company. 

My Wells Fargo credit card has fraud protection. I disputed the charges. They person I spoke to at Wells Fargo in the dispute department agreed that it was fraudulent. The charges were refunded. In XXXX of XXXX, I closed the credit card. In XXXX of XXXX, after the card had been closed for several months, they charged my closed credit card for the amounts I was disputing. 

Posting date/charge : XX/XX/XXXX : {$240.00} XX/XX/XXXX : {$200.00} XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$200.00} I have attached my most recent statement showing the credit card is closed and transaction history showing the charges.
Product: Credit reporting

I was trying to temporarily thaw my credit for me and my wife on XXXX XXXX, XXXX. Due to a glitch on the Equifax website the transaction of {$20.00} was repeated for a total of {$80.00}. I wrote a certified letter to Equifax on XXXX XXXX, XXXX. According to the USPS tracking information they received the letter on XXXX XXXX. As of today, XXXX XXXX, XXXX, I have not received any reply from this agency. Attached are a copy of the letter sent to Equifax, a credit card statement with the charges, and a copy of the USPS tracking for the letter.
Product: Mortgage

My brother passed away XX/XX/. I am the executor and sole heir. He had his house mortgaged with Select Portfolio Servicing. I contacted them for payoff on the loan. I wired the money from my bank. They sent a statement which I attached showing XXXX balance on the loan and {$620.00} in escrow. They released the Lien against the house. I contacted them wanting them to send the money in escrow for me to pay properly taxes. They claimed there was no money. Then they said I had to file a dispute, which went on for 60 days. Now they are saying the last payment they drafted from his account was denied for insufficient funds, so that was not included in the payoff amount. I paid what they said to pay and I think they owe me this money to pay for his property taxes, thats what it was for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i am an XXXX XXXX veteran who has spent the last 8 months paying off every bit of credit debt i have. Student loans, deliquent debt etc. I am needing my score to equal XXXX so i can use my VA loan for a home purchase. I have battled with XXXX experian XXXX   and XXXX about the lopsided effects happening to my credit score. For instance on the verge of reaching the XXXX goal my credit score dropped 120 pts for no apparent reason setting me back months erasing every gain and putting me farther behind. Just recently i finished paying everything off expecting a similar jump in score and my score only moved 10pts after clearing XXXX $ worth of debt from my name. What is going on with our credit system how can i obtain answers and a remedy so i can no longer be homeless.