23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have 3 fraudulent accounts reporting on my credit report. I have filed an FTC report, report, # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquires I do not recognize : XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX  # XXXX -XXXX XXXX # XXXX -DISCOVER FINANCIAL SERVICES # XXXX XXXX XXXX XXXX # XXXX
Product: Mortgage

I closed on a HomeStyle Renovation Loan with Homebridge Financial Services on XX/XX/2020. There were two major red flags that occurred leading up to the closing, one of which was resolved after I complained. The 2nd one was discovered on the day of closing and I am still fighting with executive management level to get it resolved but no success as of yet. 

1 ) About a week prior to my closing, I received disclosure documents that had inflated fees built into my reno costs. The lender added a {$2000.00} " Rehab Fee '' that was never mentioned when I did my initial inquiry before starting the loan process. After complaining and escalating to the branch manager, XXXX XXXX, this was removed prior to closing. 

2 ) On the day of closing, I saw my amortization schedule for the first time. My XXXX begins at 137 % vs. being under 100 % as you would typically expect. This increases the length of time to reach automatic PMI cancellation at 78 % XXXX. This is a loan for a total of XXXX ( purchase price of XXXX and renovation costs of XXXX = XXXX ). The XXXX from appraisal company was $ XXXX. 

I know that the banks will use lesser of the XXXX values for XXXX but Homebridge used purchase price only. That is how they got the 137 % and get me hooked for PMI for longer than I need to. I disagreed and brought it with XXXX XXXX, who then forwarded my concern to the Renovations Manager, XXXX XXXX, who confirmed that 137 % XXXX is incorrect and that is due to a " glitch '' in their " encompass '' program. He confirmed that my XXXX should be 94.05 % to start based on a value of XXXX. 

So agreed with XXXX 's rationale as that was my argument to begin with. All I asked for was to get revised amortization schedule with the corrected LTVs showing the starting point at 94 %, not 137 %, as that would reduce the number of years to reach 78 % for PMI cancellation. 

I have escalated my email to highest of executives in the company including XXXX XXXX and XXXX XXXX for the past few weeks but no corrected amortization schedule to date. Please help me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with XXXX  Transunion and XXXX, I immediately noticed unauthorized inquiries and fraudulent credit accounts on my report. 

I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate demand to remove all disputed inaccurate accounts and home addresses as listed from my credit report and ensure that your systems maintain the correct information. 


INCORRECT ACCOUNT INFORMATION Creditor Account Number Reason XXXX XXXX XXXX Never Applied for XXXX XXXX XXXX XXXX XXXX Never Applied for XXXX XXXX XXXX XXXX XXXX Name Inquiry Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing or any that I am not aware of or have authorized to do business with. 

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

My name is my domain this account with credit acceptance corporation should get updated to positive for defamation of character and slandering my when you go to a dealership you can not leave of the car lot with the name that's on the fake contract you sent me is different than the name on the insurance that would make the evidence I provide from these pictures valid and is indeed deflation of character
Product: Money transfer, virtual currency, or money service

XX/XX/year> - Placed a XXXX transaction of {$400.00} to my brother on my Bank of America mobile app. I got a notice by email saying it was on hold for review. Got a second email saying there was nothing else I needed to do. 
XX/XX/year> - Recipient still hadn't received money. I called bank and was told I was notified I had to answer some additional questions to get it released. I answered all of the questions and advised I wanted it released back to my bank since I had to send the money a different way. I was told, once money sent, it could not be sent back to me although it still hadnt been sent to recipient. I filed a complaint with the rep on the bank that day. 
XXXX Recipient still hadn't received money and it had not been placed back into my account. I called and BOA and rep could not explain why but directed me to TREAS.GOV/FAC to request my money back. The website was no help as there weren't any clear instructions on what to do. 
XXXX Called BOA again. I was transferred 3 times. Was told by 2 reps that they didnt know why it was still on hold. 3rd and last rep told me it was still under review by the XXXX XXXX XXXX and the transaction could not be cancelled, nor could my funds be released back to me until they were done with their investigation. There is no other action needed from me. They have had my money on hold for 10 days now. I had to send my brother the money a different way. If they couldn't send it, they should have just released it back to me. Now they are causing me not to be able to pay other bills by keeping my money.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After submitting here, the complaint XXXX on XXXX XXXX, Oriental Bank send me a resolution on XX/XX/year> stating that the debt decreases from {$390000.00} to {$1700.00}. Then on XXXX, I called and talk with the representative XXXX XXXX, and they offered me XXXX options : - a payment plan of {$890.00} in XXXX and XXXX to cover the whole debt, - cover the whole debt in XXXX,- or cover the whole debt in XXXX. 

Today my credit report updated with delinquent information between XXXX and XXXX. When I call them in XXXX, they did not request me to start making the payment that month, but in XXXX or XXXX. I call today a talk with XXXX XXXX, investigator assign to my case, to make the claim, and they respond me that I need it to pay for a credit report and submit it to them for them to verify if an error was made towards my credit report. The representative also stated that if a payment plan was agreed, there was not supposed to be an adverse credit report. I also went to the branch to make the payment of the whole debt. 

Between XXXX and XXXX, they send me different letters with different amount of amount debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a n item on my experian credit report for XXXX from XXXX XXXX XXXX. for a debt when i call nobody including me knows what it is for. I have requested the info and it be removed over and over i get nothing and experian says they instigated and found it to be legit. But even when i call the experian people dont understand why it is there. All i know is i don't know what the amount is for. They say its because didn't give notice but i did, I moved out later XXXX, and told them why. I am only told i owed like XXXX and the y applied my deposit to it and for stuff that i wasn't even there anymore. if its legit fine but i can not get anything saying what its for and if i cant experian cant so how can it be on my creditor report its bs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

originally my complaint was that chime banking lost a XXXX XXXX dollars somewhere but upon looking at all my documents not only did someone take XXXX XXXX from my account with no record of where it is but the original deposit amount was not even correctly deposited into my account. along with transaction errors that I was told were not incorrect by chime, also meaning they won't honor thier policy of provisional fees until the mishap was figured out.chime didn't even look into it.they gave it one minute before immediatly denying my dispute. they have ignored phone calls e mails any and all types of communicating effort to look into the matter. they don't have correct transactions they stole my money or letmy account be breached for someone to steal my money.. all around have mishandled my money and won't give any explanation as to where all my money is. my figure is around XXXX XXXX that is gone from my family and with no responsibility or accountability on chime banking end. which I believe is afiliate to the bank corp.this is unacceptable. I had held my utilities at bay for as long as I could waiting for my tax return and when it finally came chime does this to my family.it 's already been hard enough this year XXXX.i now have broken promises to my debts from waiting and they won't wait anymore.this has put an extreme hardship burden on my XXXX kids an myself. this needs to be fixed.
Product: Credit reporting or other personal consumer reports

A request a 1099 C for a account that was written off to file on my taxes and never received it.
Product: Credit card or prepaid card

I opened a BJ 's MasterCard in XXXX of 2022. I used it for gas at BJ 's XXXX. I went to make a payment and you could not make a payment through the website, it kept saying " Page not found ''. When I finally made the payment it must have been after their time limit for the date it was due, and the next month I received a late charge. I paid that even though I didn't think I should have cuz it was not my fault, but I paid it along with a note saying I wanted to close the charge and it was written on XX/XX/2022. In XXXX I got a bill for {$55.00} on that closed BJ 's MasterCard. Without my approval, they charged a {$55.00} charge to renew my BJ 's membership which I was not going to renew, to my credit card that had been canceled XXXX months prior to that date. Now apparently my credit score went down about 70 points and although they have credited to a XXXX balance on the BJ 's credit card, it's still affected my credit. My question is, how could a company be allowed to charge on a closed charge account without the owner 's permission. I called the credit bureau, XXXX XXXX, and they said it just takes time for my credit to go back up. Is there anything you can do to stop this company, comenity Bank from doing this to other people.
Product: Credit reporting or other personal consumer reports

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

There has been communication over the past eight months after the student loan servicer breached our contract for a forebearance agreement. This is the situation that was sent to servicer on XX/XX/XXXX. 
Thank you for your response dated XX/XX/XXXX to my letter about my SoFi student loan account number XXXX. 
First, I appreciate the letter ; however, it fails to address the issue at hand. The letter says that that I was pre-qualified however, that is incorrect I was told by the SoFi representative that I was approved on XX/XX/XXXX. Legally, a contract is formed when there is a peppercorn of consideration by both parties. Your records will show that I logged into the SoFi system as instructed by the SoFi representative on XX/XX/XXXX to confirm the details of the extension of forbearance. In this case the consideration was formed between myself and SoFi when the representative said that I was approved to continue the existing forbearance that my account had been placed on ; and said I would need to make a full payment of {$720.00} because I had not called on XX/XX/XXXX. I paid the amount of {$720.00} for the months of XXXX and XXXX ( forgot to turn off auto-pay ). Then in XXXX started the forbearance amount of {$200.00}. 
SoFi financial institution entered into a contract with me on XX/XX/XXXX for one year that I will pay the interest only payment which is {$180.00}. This needs to be reflected on SoFis system. 
Second, I would like to address why there wasnt a payment made in XXXX and XXXX. There was an error that happened with my bank when they transitioned to a new bill pay system in late XXXX. I didnt know that the payments had stopped after the XXXX payment. I have reinstated monthly payments of {$200.00} through XX/XX/XXXX ( attachment provided of bank bill pay ). I hope to reinstate full payments of {$720.00} prior to XX/XX/XXXX, but this will depend on income. 
In Closing, I am asking that you correct the error in your system regarding the forbearance. If we are not able to resolve this manner I will be filing a compliant the Department of Financial Protection and Innovation. 
I have exceptional pay history prior to XX/XX/XXXX. I have talked with SoFi representatives multiple times trying to find alternatives and I have been told that I could apply for a refinance option through SoFi and when I inquired was told that wasnt available to me. It is suspicious how your organization is failing to honor its arrangements and defer to other options which are not available. I do not have any other options other than a forbearance because my income has been reduced. This is the definition of a hardship.

SoFi will you please correct your records to reflect the contractual arrangement for a forbearance as this is the only option available to me. It is my goal to pay off the full loan in the fastest manner possible.
Product: Debt collection

I have resolved my identity theft issue with the original creditor. Contract callers XXXX states that they have requested this be removed from my credit clear back in 2017 yet it remains on my credit report. I have attempted to resolve this with CCI but they refuse to contact the credit reporting agency again to have it removed because they technically do not own this debt any longer. 

XXXX XXXX  XXXX  are all still reporting this as an open debt in collections when in fact it has ben closed since 2017
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the disputed entities.
Product: Debt collection

I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Student loan

Navient has my private student loans. THEY put them into a forbearance 2 years ago. I was paying the loans faithfully. I called them and they said it was in a lawsuit. Now that it's out of the lawsuit, the monthly payment is way up and not what I was paying before and the interest rates way up. I've paid them over {$40000.00} over the life of the loans, which is more than what I borrowed almost XXXX. ago. The balance today is almost {$40000.00} today. They have yet to explain to me why I would still owe them that much money. I've requested my contract and other documents from them, for which they haven't sent me yet. They said it's on the way but, I've called them multiple times and no one can ever answer why the loan amount is what it is. Yesterday I was told that they can't look that far back. I just want to know what I can do with these private loans. The balance today is more than what I borrowed with them, and like I stated, I've paid them over {$40000.00} already. I do not owe them anymore money! Something is not right and now, the monthly payments are way too much. They do not work with you at all. What do I do? I'm not concerned about my federal loans, just my private ones through them. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX experian not reporting my rental credit b/c they dont get paid victim of ID theft give me the right to report accurate informaion FCRA law and rules so please report it
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a loan solicitation from Figure.com. The mailing stated how much I could borrow and had the EXACT amount of my present mortgage loan balance. My bank says they do not provide that information which means this company had to have looked up my credit information through the Credit Bureau or some other means. None of which would have been authorized by me. 

I understand that soliciting loans is legal, however, is the manner in which they have my private information without my approval also legal? 

XXXX XXXX XXXX XXXX XXXX Ct. 
XXXX, Ok XXXX
Product: Credit reporting or other personal consumer reports

I made multiple requests pointing out the inaccuracy and for the information to be deleted they continue to state its verified and although it was not verified as their are errors that I have been attempting to fix for 1 year reporting late and charge off and they continue to report on a monthly basis its charged off and late.
Product: Checking or savings account

On XX/XX/year>2024, My tax return was deposited in to my Navy Federal Account, Once deposited I started paying my debts owed to people, my friend loaned me XXXX earlier that year to help me get a car, I knew I had money coming so she trusted that I will pay her back, soon as I sent her money to her, thru member to member the blocked my account. I was really sick that day, because my glucose had dropped really low because I am a XX/XX/XXXX When I woke up I called Navy Federal, they asked me questions about why I sent XXXX XX/XX/XXXX to my friend. I feel like I didn't have to tell them the truth because it was my money, what I do with my money is my business. They then asked why my refund was so big. So they told what I needed to do to access my account, they told me bring in my ID, and my tax return and feel out the appeal form they sent to my email. So I waited until the next day to do so, because I was sick that Thursday. So on the XXXX my brother drove me down to XXXX, because that's the closet Navy Federal, turned in everything they asked for, they have lied to me so much about my account, they have been very rude through this whole process. They told me the appeal didn't go through, only way I found that out was when I called over and over again. They never sent me nothing in the mail, or email to inform me the appeal didn't go through at this point, I don't know what else to do. They claimed the sent my refund XXXX irs, which they haven't. I still get statements with my ending balance on there. The Security department is very very rude. I lost my house because of this, I been soXX/XX/XXXX because I was depending on my money to catch up on everything, because I had been off work alot due to my illness.