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

I provided a police report indicating I was a victim of identity theft and requested to have the accounts removed from my credit reports, I also requested proof of verification that the accounts belong to me. I didn't receive proof of verification nor did the bureaus remove the accounts. These action took place on XX/XX/year> for the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Please help my family stay in our home. I have tried to work out a modification agreement with Hudson City Savings Bank. The loan servicing department does not have any interest in being reasonable. Clearly now that they have been given approval for their merger they no longer care about the homeowners that they are servicing mortgages for. I am sure a bank like XXXX XXXX XXXX does not condone this type of behavior. I have proven without a shadow of doubt that I am back on my feet and able to make a mortgage payment. All I ask is that I be afforded a modification to get out from under the arrearages I have accumulated. I am not trying to run away and I know it is late but it is only now that I can afford this. We paid for on this loan for years, this is not a case of a XXXX payment default or early payment default. I am even suggesting that a mod be put in place that is completely beneficial to the bank. I am asking that you extend this term which will bring you more in interest income. I am sure once your stockholders read this they will be confused as to why you would not want to create income for the bank. We had problems, like many others, in our lives. I have shown my income versus the monthly debt obligations and I am well below the needed DTI or XXXX requirements that Hudson City has in place. Please help me do something here, I can afford the original mortgage payment again but I can not bring all the back due amount to the table right now. I am asking that you place the arrearage on the end as a balloon or even as an extended term. My family lives in this house and I have a sheriff 's sale in a few weeks. I do not have the ability to move everyone somewhere else. How can Hudson City, in good conscience put me and my family out on the street knowing that I can now afford the monthly payment. They intend to make us homeless in time for the holidays. What can we do? Please, we ask that anyone that can, help us!! 

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

This is a false report on my credit, and I want it to be removed as soon as possible. I would also like to have more information about the institution that report this to my credit so I can take legal action against them ... thank you
Product: Checking or savings account

On XXXX, XXXX 2023 my Citi bank debit card was charged multiple times from unauthorized ATM charges ( 6 charges of {$200.00} & 1 charge of {$100.00} ) I discovered my card and wallet was missing and instantly reported it and put a claim in with Citi Bank. They gave me a claims number and a couple weeks later I received a letter in the mail claiming that these charges were normal bank activity and I would not receive my money back. I then called Citi bank again asking them to resubmit the claim because these charges were clearly unauthorized and the card was not even in my possession nor have I ever withdrawn any money from an ATM with this bank. They submitted another claim on XX/XX/2023 and I still have not received any type of solution.
Product: Checking or savings account

On XX/XX/year> at XXXX, I used a chime credit builder card, and I had to pay my rent on XX/XX/XXXX. I went to an XXXX atm and tried to withdraw {$360.00} to complete my rent money. And they had a time limit which was not even shown on the screen. So by the time I took the money the machine took it back. I called immediately, I made a dispute the bank denied it. I called again and again for two months now, I've been also contacting XXXX and CHIME and they both keep telling me that their claims are open and still waiting for the money. XXXX did their count they know they had my XXXX, yet they refuse to give it to chime to give back to me. I had to borrow money to complete my rent in XXXX due to this incident. And had to work doubles everyday to make ends meet for XXXX. I refuse to go through the same for XXXX. I NEED MY MONEY BACK, I'M DESPERATE!!!! HELP ME
Product: Mortgage

I had a home mortgage with Wells Fargo from XXXXXXXX XXXX XXXXXXXX. I struggled to pay the mortgage and on several occasions tried to get the mortgage reduced so as not to lose my home but Wells Fargo made it very difficult each time so we continued to struggle paying it.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi, i have a late payment with ALLY FINCL which is not accurate as I always paid my bills on time. i was trying to get a mortgage, but my lender said I had a late payment from years ago and really want it remove as according to consumer law & the fcra unveriable items must be deleted off my credit report. 

15 U.S. Code 1666b - Timing of payments : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

please remove this late payment on account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NEW COMPLAINT On XX/XX/XXXX, XXXX XXXX XXXX installed an incorrect windshield in my car. I gave them a check for {$100.00} for the deductible. In resolving the issue, the XXXX representative recommended I cancel this check. However, this was not adequately communicated within XXXX and they accidentally sent it to a collections agency, XXXX XXXX debt collection. When I returned a voicemail from XXXX XXXX, the representative would not listen to my explanation, told me she was submitting the case to collections and hung up on me. She would not return my repeated calls. Concerned, I submitted the first complaint to the CFPB and XXXX XXXX 's response on XX/XX/XXXX was " We have been advised by the creditor to remove the account from collections. This will not affect the complainant 's credit. '' However, on XX/XX/XXXX, XXXX XXXX in fact submitted a " New Collection '' on my credit report. I filed a second complaint on XX/XX/XXXX and their response was " We sent a notice to delete the trade line from consumers credit report today. '' As of today, XX/XX/XXXX, the New Collection still appears on my credit report. Please remove this item as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 submitted the several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies ( XXXX, XXXX, and Experian ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 days. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is a hinderance in apply to new credit, housing, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit reporting agencies are using these excuses to stall deleting the erroneous information on my accounts. 

On XX/XX/XXXX of this year, I mailed letters showing the erroneous reports. 
On XX/XX/XXXX, I sent information to CFPB to show that all 3 cra 's had taken 4 months and still not responded. 
On XX/XX/XXXX they have yet to delete these erroneous items on my report. THIS IS RIDICULOUS. Below is their latest stalling tactic. 

This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 

We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 CFPB XXXX  ( XXXX ) XXXX consumerfinance.gov This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 

We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021
Product: Mortgage

I was granted 100 % property tax exemption in XX/XX/XXXX, but CMG mortgage lender repeatedly ignores this fact. An escrow analysis has been performed wrong several times- while monthly payments to escrow for taxes have continued to be collected ; recently an annual escrow analysis showed there to be a surplus amount of {$1300.00} in my account scheduled to be returned to me within 20 days of the analysis performed on XX/XX/XXXX however within that time an additional erroneous escrow analysis was performed with incorrect amounts and using property tax rates prior to the tax exemption, this was done in order to avoid paying out my escrow surplus. I have been trying for many months to get in touch with a supervisor and am unable to, I have brought up the incorrect amounts to customer service and have been given different answers and instructions and subsequently informed that my account would be fixed by a certain date, that gets rescheduled every time the prior date passes. My insurance was also wrong and was not being paid through escrow, but was getting collected as if it were. This problem has been ongoing since XX/XX/XXXX.
Product: Mortgage

I called twice and spoke to two different representatives on XX/XX/year> and XX/XX/year> to get my payoff and both times I was told I couldn't pay my loan off early I had to remain paying until XXXX
Product: Debt collection

First Financial Asset I has a collection that is open with a XXXX balance. It keeps reporting monthly.
Product: Credit reporting or other personal consumer reports

I have auto loans & credit cards I did not authorize, I need this deleted immediately
Product: Credit reporting or other personal consumer reports

I make my payments on time, every time. Im sure of that. What confuses me is why this company reports late payments for some months. USC 1666b requires that billing mistakes be corrected and marked as paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute with Transunion in XXXX and I haven't received anything from them. They sent me a letter saying they couldn't verify my Identity even though I sent in documentation verifying my ID and my ssn but I was referred to their website to create a paid account to verify my Identity. They refuse to acknowledge my disputes over phone unless I pay for one their products
Product: Credit card

I have had my Citibank card hacked to the balance of approx. {$1300.00}. That happened between XX/XX/XXXX and XX/XX/XXXX. I closed my card and they sent me another card that I never activated. They allowed more charges saying they were reoccurring charges however, thery were not my reoccuring charges. They were for cell phone accounts. I called them again when I saw more charges and they closed the card and sent me another card that I never activated but they allowed more charges. I have been able to have charges reversed and gotten my balance down to zero. Citibank then decided to reverse some of the charges and the balance is now XXXX. They are saying that I was at restaurants in Michigan and XXXX XXXX and had a membership to an online health club. I have done none of this. Never purchased these services and have never been in XXXX XXXX or Michigan. I have never asked for a health club membership and now they are saying there is something with XXXX XXXX XXXX. I have spent hours on the phone with multiple people from Security ops to customer service and just spent another XXXX hours with them today ( XX/XX/XXXX ) and they always say they are going to reverse charges and then it doesn't happen. That has happened no less than 4 times. They now have put on my credit report that I have not paid them in 90 days and they are ruining my credit.
Product: Credit reporting or other personal consumer reports

XXXX on XX/XX/year> communicated with me via live chat and phone operator that they do not have or give out a much-needed fax/email for Identity theft report and other vital documents for them to review my complaint. My perception is this is an international way of blocking a consumer from implementing the " 4 day block & remove laws '' established by Congress in title 15 as well as a delaying tactic. The information on my report is fraudulent, being used to execute legal proceedings, identity theft by deception & slander of my title. This action makes XXXX complicit in the theft of identity and fraud. I filed an FTC Identity theft report on them as well as state agencies and corporations using inaccurate, fraudulent information as leverage and for-profit against my estate.Let me be clear, the reports and the personal information on me obtained by XXXX is NOT ME in no way shape or form. This information is based on a presumption of death and I am not dead. This is a alive informant. This information clearly is opposite the records I have in my XXXX XXXX XXXX as well as my baptismal certificate is an indication that I am alive. Every record obtained by XXXX and the other agencies is not me and does not represent me as the living XXXX XXXXXXXX XXXX and date of birth. I also have started to correct records through the XXXX XXXX, contact the Social Security Administration, the Department of HHS, the attorney generals for US/NY, the US/NY Department of State and the NY Comptroller Office and US treasury departments of the fraudulent conveyances being used by the courts, agencies and corporation for profit. The companies that I applied for credit cards are obtaining fraudulent and inaccurate personal information and this is causing my family injury.
Product: Credit reporting or other personal consumer reports

Experian and Equifax have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax have neither corrected or removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth time reaching out to Equifax. I have continuously sent complaint after complaint after complaint. My last complaint was on XX/XX/2023 under complaint # XXXX. I repeatedly told Equifax that I have no know knowledge of XXXX. Im going to continuously fight this until it is completely removed from you bureau. Ive also reached out to to your bureau several times in regards to the illegal reporting from XXXX. Someone used my information illegally, my social security number, my date of birth and my name. I have reached out to you several times about this to let you know that my information was breached on several instances and that is what lead me to file an identity theft report with the FTC. How many times do I have to keep letting you guys know that XXXX is not my debt. I dont know anything about XXXX until I received a copy of my report. Please remove XXXX XXXX from my from my credit file as this is not my debt for the last and final time. 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 605 B section 2 : also states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days. 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 a account without my written instructions. PLEASE LOOK AT THE FTC REPORT TO SEE THAT I HAVE FILED A IDENTITY THEFT FOR FINEWISE/ OPPLOANS THIS IS NOT MY DEBT. MY DATE OF BIRTH, MY SOCIAL SECURITY, MY NAME WERE BREACHED.
Product: Debt collection

I have been disputing this alleged account on all 3 credit bureaus for months now. I have sent certified letters directly to the collector and asked them to provide proof. They sent me forms that were NOT filled out by me or signed by me. They also have changed the alleged amount owed by {$5000.00}. In XXXX on my credit it showed a balance of {$21000.00} and now since disputed shows {$26000.00}. This is a violation of the FDCPA 15 USC 1692 F1.
Product: Money transfer, virtual currency, or money service

PayPal for no reason " permanently limited '' my PayPal account and placed a 180 day hold on my funds. I do not sell items online and do not receive money via PayPal so there is no chargeback risk to PayPal. I have had the account for years and use it only to purchase items like XXXX and relatively small purchases online. 

I have a balance of XXXX with PayPal and I do not intend to let them sit on it for 180 days. My email associated with my PayPal account is XXXX. Please have PayPal release my funds. 



The following is a portion of the message I received from PayPal : " You can no longer do business with PayPal ( Ref ID - XXXX ) From : XXXX XXXX ''
Product: Vehicle loan or lease

I was told that my car was damaged and needed to get a new car out and that the account was closed and have a XXXX balance. But its showing on my credit report I missed XXXX payments that was supposed to be handled when the account closed
Product: Student loan

In XX/XX/XXXX, I transferred to a SAVE plan with payments at {$270.00} with anticipated renewal per the terms on the agreement was supposed to be XX/XX/XXXX With no notice or communication, Aidvantage canceled my SAVE plan and changed my payment rate every month since XXXX. 

The will not explain why I was removed from my payment plan. 

XX/XX/XXXX Invoice XXXX XX/XX/XXXX Invoice XXXX XX/XX/XXXX Invoice XXXX XX/XX/XXXX Invoice XXXX I started receiving daily text messages in XXXX which were flagged by my wireless provider as a scam asking for {$170.00}. 

I was unable to contact a live rep when this happened in XXXX, so I sent through my recertification XX/XX/XXXX which lowered payments to {$410.00}. I also sent them an additional {$170.00} since that was what they asked for. 

I was finally able to reach a live rep XX/XX/XXXX who could not explain why I was removed from SAVE. She just referenced my effort to get back on SAVE after they threw me off the plan. 

I explained that I did have a layoff in XXXX which resulted in a one time payout of severance. My income was not really as high as it was in XXXX as a result. The other problem is I let my father 's CPA do my taxes for XXXX and he only files extensions and never files the actual final taxes, so I am still in limbo. I am harassing the CPA weekly to get my taxes completed. 

I pushed through a recalculation with a paycheck stub which approved me for a $ 318 monthly payment. Aidvantage will not acknowledge that as a monthly payment at all. 

The will also not guarantee that they will not change the rate monthly. 

This is not the first time I have had this conversation with prior lenders trying to get a consistent payment for at least a 12 month period.