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

My name is XXXX XXXX. I reside at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. My date of birth is XX/XX/XXXX. My SSN is XXXX. I have contacted the credit reporting agencies ( Experian XXXX XXXX ) in regards to verifying all the information on my credit report and they did and stated that everything was accurate. I went ahead and pulled my credit report and did a thorough check on my own and find that there are several inaccurate information on my report even after they claim all the information was accurate. These are the accounts and information in question. 

*INACCURATE INFORMATION - NAMES ( Please Delete ALL ) XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX *INACCURATE INFORMATION - ADDRESSES ( Please Delete ALL ) XXXX XXXX XXXX XXXX XXXX CA XXXX - Address ID # XXXX XXXX XXXX Way XXXX CA XXXX - Address ID # XXXX XXXXXXXX XXXX XXXX XXXX  XXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXX New XXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXXXXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX ID # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX ID # XXXX *INACCURATE INFORMATION - DATE OF BIRTH ( Please Delete ) XXXX *INACCURATE INFORMATION - PHONE NUMBERS ( Please Delete ) ( XXXX ) XXXX ( XXXX ) XXXX *INACCURATE INFORMATION - EMPLOYERS ( Please Delete ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX ACCOUNTS ( Please Delete ) Account Name : XXXX XXXX  Account Number : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 
15 USC 1681 SECTION 604a SECTION 2, IT ALSO STATES THAT CONSUMER REPORTING AGENCIES CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
UNDER 15 USC 1666B, A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to get my free credit report from both equifax and XXXX and they said there was an issue preventing me from getting it online. I do not have reliable access to a mailing address so a snail-mail approach is not a sufficient fallback.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy on my credit report with TransUnion and It came back verified as accurate. I requested their method of verification, which I am entitled to under the Fair Credit Reporting Act section 611. I received a generic letter in response. I called and requested the method of verification again and was told by a rep and a supervisor that they can not send it to me. This is a clear violation of my rights under the law however the supervisor maintained that TransUnion did not have to provide me with that information.
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Equifax Credit Bureau, but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove it from my personal credit file. Thank you. 

( Original creditor : ) XXXX
Product: Student loan

I submitted a PSLF application online directly to XXXX XXXX and received a letter indicating that my request for public service loan forgiveness was not approved because I did not have enough qualifying payments. I sent several requests to be reconsidered for loan forgiveness through the TEPSLF program and received the same email indicated that my request for TEPSLF would not be evaluated because I did not submitt an PSLF application. When I called the number provided to XXXX   XXXX XXXX I was told that I was not eligible for forgiveness because I didn't have enought payments. They did not answer my question as to why I received emails indicating that my request for reevaluation through TEPSLF was denied because I did not submit an application. My original loans were Federal Direct Stafford Loans disbursed in XXXX through XXXX. I have worked full-time for approved non-profit organizations since XXXX and have consistently been on an income contingent payment plan throughout the past 11 years to different providers who have held my loans including the XXXX XXXX XXXX XXXX, XXXX/XXXX, and most recently, XXXX  XXXX. My calculations indicate that I am well beyond the 10 year/120 payments needed for loan forgiveness, however, only payments made after XXXX are being counted towards eligibility. In XXXX, i was advised by XXXX ( now XXXX ) that to be eligible for student loan forgiveness I needed to consolidate my loans with them. This information was incorrect because my loans were originally direct Stafford loans held by the now defunct XXXX XXXX XXXX XXXX and under PSLF were in fact eligible. I am now being denied because all payments made prior to XXXX XXXX do not qualify. My complaint is against XXXX XXXX for not even taking the time to communicate a valid response to me a reason why my request for TEPSLF consideration was being denied. In addition, I believe the current servicer of my loan should not be the same entity that evaluates and processes student loan forgiveness. Isn't this a conflict of interest? As long as they hold my loans they continue to benefit from the interest. In addition, this company refused to let me speak to an individual in the dept. responsible for reviewing PSLF or TEPSLF requests.
Product: Checking or savings account

To whom it may concern on XX/XX/XXXX, I received an Indemnity fund from my lawyer for {$7500.00} I deposited in my chase account on XX/XX/XXXX, I was told that I can get {$3000.00}. The next week in XX/XX/XXXX, my fianc received her Indemnity fund for XXXX My Lawyer split our settlement in half. My fianc endorse the check to me on XX/XX/XXXX, I deposited into my bank account I ask for {$3000.00} she said okay from my account because the third party check from my fianc is I hold until XX/XX/XXXX. My account was restricted on XX/XX/XXXX when the funds cleared and chase told me he been trying to verify my third party to verify chase in the number thats registered to her name they couldnt contact me. I provided chase with my fianc landline phone and cellphone and chase will say not registered to her name but she had them number for years. I dont understand the verification process because its a lot of people with the same names when searching for phone number verification. XXXX said I have 10 days or by XX/XX/XXXX my account going to be closed. I talk to chase specialist on XX/XX/XXXX, the chase customer say they can verify through lawyer and they would send funds back and the specialist also set an urgent message for my funds that didnt have anything to do with the check to be release at my branch on that day XXXX XXXX. I received the money in was told on XX/XX/XXXX the money will be transferred to lawyer in my account will remain restricted until funds of XXXX be returned. On XX/XX/XXXX, received a text message from chase with XXXX balance check my account an seen a XXXX check charge of XXXX was taken out. I assume it was being sent back to Lawyer. I called today on XXXX XXXX they told me my account close into the third party is verified. They can not just take my money. I told my lawyer to dispute this claim because chase being given us the runaround and is come back to the same thing. I can bring my ID anything but chase say this the only way to verify through a register number all her numbers registered but chase says its not. It s ridiculous how they dont even care about they customers I been with chase for 10yr now and Im going to fight for my funds
Product: Credit reporting or other personal consumer reports

This is a serious issue that requires immediate attention. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that do not belong to me. I have identified these errors multiple times, yet they continue to appear, causing me ongoing stress and frustration. These inaccuracies are negatively affecting my financial standing and overall well-being. This has been already deleted by both XXXX and XXXX due to inaccuracies and fraudulent activity, this is a blatant violation of my rights as a consumer for ignoring my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint and I'm not using any third party for this matter. I checked my credit report and noticed some inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are the name of these inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please remove these inquires from my report immediately, they are fraud items.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX  Account # XXXX U.S. Department of Ed, # XXXX U.S. Department of Ed, # XXXX U.S. Department of Ed, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 9 accts that were included in my Chapter XXXX Bankruptcy discharged in XX/XX/2019 that continue to report neg information on my credit report and they are still affecting my ability to get new credit or my current credit! Late payments & neg information is still visible to anyone that pulls my credit when I am applying for new credit. Per bankruptcy laws these accts are to clear all neg info and just report a closed acct included in bankruptcy, but these accts still are! I have disputed these items several times & they still continue to report this neg information. The credit bureaus & the individual companies refuse to correct or remove these neg accts. Pls help me to get these items removed from my credit reports as I have had no luck disputing them myself. I know this is a violation of the Bankruptcy laws & these companies need to be called out on this kind of violation. I can provide proof of this affecting me in a neg way. The bankruptcy will affect me for 7-10 yrs but the law but the accts are to no longer affect my credit. This is a direct violation of this law and now all of these items need to be removed per the law. Pls help enforce this action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are being updated rith away : XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have requested Loan Modification on my first mortgage, from Chase Bank, ( loan #  XXXX ) on XX/XX/XXXX. I have been a chase customer for almost 15 years, and have paid on time, and just requesting a longer term and/or a lower interest rate to make it easier to make payments due to corona impact. I have submitted requested documents 6 different times between XX/XX/XXXX and XX/XX/XXXX ; each time I get a call back from the " relationship XXXX '' with questions from the underwriter. I explain the answers, and she then speaks with " underwriter ''. Based on her questions, and underwriters response, neither understand some basic accounting practices ; each time I answer their question, or submit a document, they ask a completely different question about the same thing, seemingly not understanding how my real estate is owned, what a schedule " E '' is ; what a profit and loss statement is, nor understanding that leases can be renewed on line through out payment portal/website.They have the tools necessary to see proof of all my income and expenses ; they have a report of all rents paid, they have the bank account showing the deposits, and the tax return reflecting the income. They have original leases, and a printout from the tenant portal/website showing the lease dates, which are acknowledged by the tenant if/when they renew. in the 21st century, rents and leases are done online, and if they connect the dots they see it all agrees, and the income is deposited and reported as stated. 
I have the feeling they are making this as difficult as possible to avoid make any adjustments, and trying to assist long term customers.I would like a review of all the documents ( some of which they claim they don't have, but their site has acknowledged ), I submitted, by someone who has some better understanding of IRS requirements, and basic accounting. Their approach is shameful, disrespectful, and makes a mockery of a simple process into a very difficult one because they seem unqualified to be in the positions they are in.Chase has a moral responsibility to be more accommodating and responsible to their customers, long term or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this on my behalf without any third parties. I am a victim of identity theft, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days. Any person, which includes an organization, who willfully and knowingly obtains information on a consumer, like me, from another consumer reporting agency, without the written instructions or authorization pursuant to 15 U.S.C. 1681b, is information obtained under false pretenses. You have no lawful authority, this is a crime under title 18, and fines are described in 18 U.S.C. 3571.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive Sent several letters via fax and mail and also spoken with reps regarding a debit collector that they company keeps reporting onto my credit report ive sent attached documentation and also proof that the account ( XXXX XXXX XXXX ) is not bonded in the state of Texas and reporting the un bonded account is against the texas law The company removed 2 of the 3 account when ask why was the 3rd account still listed the rep couldn't give me a reason I sent another letter via fax and i will attach photo proof with complaint I have not received a response and the account is still listed
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been contesting credit report fraud ITEMS. The items are neither in dispute nor removed from my report. The Experian and XXXX credit bureaus appear to be ignoring the pattern and allowing these false items to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be supplied if the things claim to be mine. ENOUGH IS ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO DO SOMETHING? CHECK OUT THE ATTACHMENTS! THIS IS NOT ROCKET TECHNOLOGY! You requested documentation, and I provided it. AND AGAIN! AND AGAIN! This is my final choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove it ASAP! 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NCXXXXXXXX XXXX  ; XXXX XXXXXXXX Balance : {$0.00}.
Product: Mortgage

In XXXX of XXXX we filed Chapter XXXX Bankruptcy and walked away from our house because we were under water. In XXXX we finished the bankruptcy hearing and were in an apartment since XXXX XXXX. We never gave the keys to the bank because we were told that there may be programs that could help us save our house. We were denied for a couple of months until after XXXX XXXX XXXX we were offered a XXXX Modification. 
We then went through a series of 3 month trial payments that took 2 years to finally complete. XXXX of the things that the modification required was that we showed proof that our 2nd Mortgage was removed. IndyMac had our XXXX at the time and we had a balance of {$190000.00}. Thy sent a XXXX showing that the debt was charged off. This was enough to satisfy the modification and we were approved. 
Now we wanted to sell our house pay off the debt we currently have and relocate with a fresh start. Our house was in escrow when the title company discovered that IndyMac never removed their lien. This was a complete shock as it never showed on any of our credit reports and we were never sent anything in the mail and never received a single phone call. Even they said that it should be easy to get them to release the lien because they already sent the XXXX. 
I called CIT which bought IndyMac and they originally said that it should be all taken care of. Then they said they sent the XXXX in error. Then they back tracked and said it was n't an error and that I do owe them, unless I have a XXXX modification which should protect me and they could give me a lien release if I could show that it was a " performing '' XXXX which means that I have been paying and it is current ( which it is ). I sent them the loan paperwork and payment history. They said that should be enough and would send it in for review and we should have it all taken care of. Instead they called back the next day telling me that the pool of investors that my modification is in will not release the lien. All of the other pools of investors will release liens just not the one that I happen to be in. This is crazy and does not make any sense. I need to have this lien released so I can move forward with my life. If it is n't I am facing another bankruptcy because I can not sell my home with this lien ( it would have to be a short sale ). IndyMac got bailed out so technically they already got paid. Can you help me get this lien of my title so I can sell??
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my equifax credit report and saw that they have 4 accounts named XXXX and 4 accounts named XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX I sent them proof of the inaccurate information then I sent them another letter on XX/XX/XXXX due to the inaccurate information still reporting on my credit report and them not getting back to me. They have not responded back to any of my letters. Equifax has XXXX accounts that are wrong and should not be reporting on my credit. I have given them ample amount of time to get back with me and they have failed to do so. These accounts have caused me to be denied as I am trying to purchase a home. I have studied the consumer laws and see that they had 30 days to get back with me and because they didn't these accounts have to be deleted.
Product: Checking or savings account

At XXXX today, I received an email that an application for an account had been created by Bank of America . Also at XXXX, I received an email that my application had been approved. 

The thing is, I never applied for this account. 

When I attempted to chat to close, I was told I had to call. So I called ; the first person I spoke to said that there was no information on how the account was opened. He transferred me to another person who was going to submit a fraud claim and then wanted me to call back to close the account. After declining that *very appealing* offer of wasting yet more of my time on an issue I didn't create, she closed the account and initiated the claim. 

I wanted to report this as, given the first person 's comment, it seems likely to me that an employee at Bank of America opened this account. I know financial institutions have fraudulently opened accounts in the past to pad their stats. 

I do not know if this is possible, but I would like to see some documentation regarding the alleged application that was submitted and approved.