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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and the items on my credit report are not factual information Ive contacted the credit bureaus and they have not handled this situation as of yet and this is hindering my true credit worthiness! 

The accounts are XXXX XXXX XXXX {$360.00} XXXX XXXX {$8400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX XXXX, XXXX Account # 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

We have received certified mail regarding the status of our loan, According to the letter we are in default and must cure this by the XXXX of XXXX. We have called frequently and communicated our loan difficulties, especially after Disaster Harvey in XX/XX/2017. Our loan is now 5 months behind. This amount will not be cured by XX/XX/XXXX and we would like to know what our options are. We are ONLY interested in keeping our home and are doing what we can to cure this. Unfortunately, this remains a slow process but we are seeking remedies, including local, federal, state and legal assistance. This can not include any financial assistance because I am a federal civilian/military employee and must exercise benefits and rights under this position. We have called only to be told we have already utilized the only option available to us. A modification was already completed and we still await an answer to the tax portions of our loan. In the meantime, we intend to address this default.
Product: Credit card or prepaid card

As with other Comenity Bank cards, I had a Zale 's card and others, before they were closed it during a mortgage application process. After reapplying I was told they could not access my credit report. My report is open and unlocked, but they claim it has a freeze on the report or they can not get it or it is blank. 

When I try to call them I get a recording claiming that I am not authorized to call the number. So that is not allowing me a chance to communicate with them to take care of the issue and it is also blocking me from maintenance on other account with them. 

Is this fair under the FCRA rules? 

Enclosed are the supporting documentations. 

This also happening with any account I apply for with Comenity, they keep sending the same information denying my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Identity Theft affidavits in to all 3 bureaus in regards to a XXXX  XXXX account that doesn't belong to me, I was a victim of IDENTITY THEFT ... .XXXX XXXX XXXX XXXX XXXX XXXX {$340.00}, the accounts were found to be fraud and were removed from all 3 bureau reports, now EQUIFAX and XXXX have put the fraudulent account back on my reports after removing it, and have reported 1 late payment on account that is not mine and that I have never made any payments on ... ... I want this account removed and deleted from my credit file permanently. It is hurting my credit worthiness and my ability to obtain legal credit in my own name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported to XXXX, Equifax and XXXX that the balance has been paid in full still reporting that I owe the amount.
Product: Vehicle loan or lease

I have been charged late fee of XXXX since 2019 every month and have never been late but once and that was the fault of Wells Fargo
Product: Mortgage

My realtor and I have been trying to work with Chase Mortgage to sell my home for over a year with no resolution. I am an XXXX XXXX XXXX XXXX attempting to sell my home in XXXX, GA and received approval from Chase mortgage to proceed with a short sale. My realtor secured a buyer that was fully qualified to purchase the home ; however, XXXX made the process extremely difficult. They often missed critical timelines which caused issues with HUD, VA, and the home appraisal. Because my file changed handlers every XXXX days, it was always in review, which further slowed the process. My realtor and I filed numerous grievances with the Chase Mortgage escalations department, which had no impact on the handling of my file. Ironically, each complaint was met with acknowledgement that there are systemic issues in the short sale department due to incompetence and inexperience. After XXXX months, XXXX gave my realtor verbal approval to complete closing on my home ; however, XXXX did not disclose that the approval was for a " dry closing '' and that approval for the final closing was still pending. Acting on my behalf with a legal and valid power of attorney, my realtor, the real estate lawyer and the buyer 's realtor signed all of necessary paperwork during the closing process fully unaware that XXXX was still reviewing the paperwork. Unfortunately, the buy was not able to receive the keys to the home. A week has passed since the " dry closing '' and XXXX has not yet approved an official closing. As a result of this, the buyer has decided not to purchase the home, and is fully within his rights to back out of the closing. I reached out to the Mortgage escalations department to inform them that the buyer is backing out of the sale, and to get an update on my most recent grievance. They could not provide any updated information. Because I am no longer stationed in Georgia, owning this home has placed a financial burden on me. The home has depreciated significantly therefore a short sale seemed to be the best option ; however, neither my realtor nor I could have anticipated Chase mortgage being detrimental to the process. As an XXXX XXXX service member, I am attempting to save my XXXX loan benefit and avoid foreclosure at all costs. I am completely unsure what to do in this situation.
Product: Debt collection

I am trying to pay stuff off that are showing up on my credit report. I reached out and spoke with one of the head guys named XXXX XXXX and said I would pay the XXXX collection on my credit report. He said I had some old accounts through their office ( totalling around 1000 ) I told him I do not have the money to pay everything and only want to pay whats affecting my credit reports at the moment. He told me he would not report paid satisfactorily in full to the credit bureaus for he XXXX unless I paid everything else he had. I want to pay this XXXX check for XXXX XXXX XXXX because they are nice people and I want it removed from the credit report or say paid in full so it doesnt negatively affect my credit anymore. Thank you.
Product: Debt collection

This debt for {$14000.00} is for XXXX XXXX XXXX. No date is given as to the debt. The collection agency is XXXX XXXX   XXXX, XXXX -- XXXX XXXX XXXX -- XXXX, VA XXXX. The Debt is very old as it states on the collection request : " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report payment or non-payment of it to a credit bureau. '' I will not pay this debt and I want all communication to cease, either by phone or mail. If it does not cease I will consider legal methods. 
Thank you.
Product: Mortgage

I own a home in New Jersey. My loan is FHA. There was a family who rented my property who was not able to pay the rent for a few months and had a history of missed payments. The tenants moved out of my home I believe in XX/XX/2021 due to lack of work as a result of Covid 19. My servicer at that time was XXXX XXXX XXXX. I requested to have a forbearance for the missed payments. My home remained vacant until XXXX until new tenants moved in. Once I started to receive income from the new tenants, I entered into a repayment plan with XXXX XXXX XXXX. After making 2 repayments as agreed, my house sustained a significant fire, {$300000.00} in damages. During this time, I was not able to continue to pay the agreed payments for the current and the past due balance. I contacted XXXX to discuss my options and informed them of the fire that took place and the loss of rental income. I was informed that my loan would be handled by a new servicer ( Fay Servicing ) and I was also informed that XXXX would not have the ability to provide any work out options, I would have to contact Fay Servicing. I contacted Fay Servicing and explained my situation. I made 2 payments to Fay Servicing XX/XX/2021 ( {$5000.00} ) and XX/XX/2021 ( {$7400.00} ) XXXX : {$12000.00}. I applied for a modification and was denied due to income which I find hard to believe. I was advised to sign the deed over to Fay Servicing in lieu of foreclosure. I contacted Fay Servicing to discuss mortgage assistance options or forbearance because I am only 3 months behind since I made the above-mentioned payments, now we are in XXXX, another payment is due. I was told that I don't qualify for a modification because of my income nor a forbearance because they do not participate in any forbearance programs. In addition, I was told that I am not protected under Covid 19 relief because I did not pay as agreed. I have sent several emails to my home preservation specialist ( XXXX XXXX ) to whom never responds and I have made several phone calls to XXXX but, he does not return phone calls either. I left a voice message for the supervisor in the home preservation department on XX/XX/XXXX explaining my situation and he or she has not returned my phone call. I received a Notice of Intent to Foreclose in XXXX after making such payments advising if I don't pay the delinquent balance, Fay Servicing will file for foreclosure by XX/XX/XXXX. Attached are some of the communications I had with Fay Servicing. I am desperate and I believe Fay Servicing has the ability to help me but, they refuse to. My insurance company has not paid me a XXXX since the fire. My mortgage payment is {$1800.00} per month. I work 7 days per week to try and catch up with my payments. I am on the brink of loosing my home with no help from anyone.
Product: Debt collection

AMERICAN FIRST CU ( CREDIT CARD ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a hard inquiry opened on ( private ), under the account number ( private ). 

Appearing on my consumer credit report maintained by ( private ), were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

My auto debt was originated with Sun Trust Bank. Truist Bank later purchased this debt servicing. When I try to resolve the debt with the charge-off department is not available. The contact information is nowhere on the website. You have to call and be placed in an automated queue. This continues to negatively impact my credit. This appears to be a deliberate act to keep accounts open infinity for leverage while shadow-banning my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to XXXX XXXX and to Credit Collection Services demanding the following information from both companies : 1. Original, signed contract and/or promissory note with my signature ; 2. Copies of documented proof that Credit Collection Service is lawfully entitled to conduct the business of debt collection in the State of Alabama from XX/XX/XXXX to  present ; 3. The entire account number of the alleged delinquent account ; 4. Proof of documentation used to support the statement " meets FCRA requirements '' as stated on my credit report ; 5. The name ( s ) of the person ( s ) who authorized to place " meets FCRA requirements '' on my credit report ; 6. Documentation used to support their validation and verification of the alleged account ; 7. Name ( s ) and telephone number ( s ) of the person ( s ) in their company who had 1st hand personal knowledge who was to verify and validate the alleged account.

The only response I have received as of XX/XX/XXXX was from Credit Collection Service with an attached copy of an invoice/bill which lacked any signatures of whatsoever nature. No signed contract and/or promissory note was included nor any other demands from the aforementioned list. The alleged delinquent account still remains on my credit report. This is in clear violation of the Federal Credit Reporting Act.

I have documention letters but I am unable to attach it. I can forward to an email if you should provide one.
Product: Credit reporting or other personal consumer reports

I have a serious issue that needs to rectified with XXXX XXXX. This company charged of this account on my credit report but its still reporting a balance of XXXX. That is against the law. A company can't charge off an account and still report a balance on the account. This is against the law. The company name is XXXX XXXX account number is XXXX and the balance they have on the account is {$9300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following inquiries in my report. They dont belong to me. I contacted the creditors and asked to send me proof. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was working on a modification agreement with Wells Fargo, in the middle of the process they sold my home. I thought I was receiving a modification in the doorway and I received a letter stating they had sold my home. I had paid an entire years with of payments to show financial stability, which I did. When I went to make the thirteenth payment they refused the payment. I then received a modification in the mail which extended the loan thirty more years, I questioned the validity of the extension and mailed to Minnesota from the XXXX in downtown XXXX, in the envelope provided by them. I waited and waited for a response, nothing happened. I then contacted them and they said they never received the document and letter. A long time had passed and expected something to happen, nothing did. I then called them, they explained I would then again have to go through the process once again. I submitted all the copies requested of XXXX forms, pay stubs, financials, including assets and payment made each month with, taxes, expenses, debts on auto loan. Received a letter in my door stating they had sold my home, it was going to be auctioned. You can imagine my devastated mind-set. I am confused the banking industry was bailed out a few years back to stop economic devastation. Banks were supposed to work with consumers to keep their homes not to make the process a confusing mess. Sincerely, XXXX XXXX XXXX
Product: Credit card

Received mail flyer showing XXXX bonus miles to sign up for Mileage Plus XXXX credit card from Chase Manhatten Bank and when your go to the website the offer is XXXX bonus miles. False advertising.
Product: Mortgage

I was under a forebarence with my mortgage company, XXXX XXXX XXXX, through XX/XX/XXXX. At the end of XXXX, my mortgage was sold to another company called BSI Financial Services. I called the BSI Financial Services to find out how it would affect my forebarence and wanted to know what my options were. I was told my XXXX XXXX XXXX XXXX  would call me. I explained I was getting delinquent notices. The customer service lady said they were automatically generated and that my file was under review for up to XXXX days but she would have my XXXX XXXX XXXX XXXX call me to explain. I waited XXXX weeks with no call so I called again. I was told my XXXX XXXX XXXX XXXX had been out for medical reasons and the customer service lady would email my XXXX XXXX XXXX XXXX XXXX supervisor and ask her to call me. A week later, still no call. But I keep getting delinquent notices. I'm getting nowhere fast and I'm worried about the delinquencies going on my credit and the bank foreclosing on my mortgage with absolutely NO contact from BSI Financial Services. Please help me.
Product: Checking or savings account

I have requested my credit to be frozen by XXXX upon noticing a drop on my credit score, and requests for credit information that I did not recognize, all in the first week of XXXX. 

Three financial institutions have requested my credit score, and at least two of them opened an account on my name. All these accounts issued used my current address as well. 
1. XXXX XXXX XXXXXXXX ( XXXX ) - the bank sent me a personal letter requesting more information before opening a XXXX XXXX. I reported the fraud attempt, and they did not proceed any further. 

2. Webster Bank in Connecticut ( XXXX XXXX ) - a checking or savings account was opened in my name. A debit card was issued. I called the bank, notified the fraud, the account was cancelled but they refused to give me any information regarding the event. 

3. XXXXXXXX XXXX XXXXXXXX XXXX in New Hampshire ( XXXX ) XXXX ) - I noticed the request for my score and called the Bank. They informed that any type of account requested was immediately cancelled, but no more information was given. 

A legitimate inquiry I recognize is by XXXX, were I cosigned a student loan for my son, around the same time.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$5900.00} XXXX XXXX : {$0.00} XXXX Date of inquiry XXXX XXXX XXXX XXXX Date of inquiry XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have an active XXXX  XXXX bankruptcy in which I've been paying for over 3 years. I recently paid off both of my vehicles and they have not been reported to the credit bureau. According to my attorney they should have been reported. I've been told 3 weeks ago that i have to move out of the duplex I'm living in because the landlord needs it for a family member. as you know rentals are ridiculous in the state of Florida the only place that has availability needs a credit score of at least XXXX. Im way below that because my payoffs have not been reported and capital one finance says that i would have to fax a dispute and it could take 30 days or more. My family and i will be XXXX by then. I know no one cares but i care very much about my children. I need this to please be adjusted as soon as possible into my credit bureau. 

thank you
Product: Credit reporting or other personal consumer reports

XXXX ; has four inquiries that I didnt do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has six inquiries that I didnt do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX And also XXXX has a collection being reported that isnt mines the account is named XXXX XXXX  AND EXPERIAN ; has four inquiries that arent mines XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these did I authorize or approve of Also the only address that need to be on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX This is my only address Any other addresses need to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  XXXX XXXX and XXXX XXXX XXXX