23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I received a call from a man that stated that he worked for nations lending stated that he received my inquiry online for looking into the FHA loan I advised that I spoke with another company and was advised that I would need to save about {$7000.00} before moving forward the gentleman asked me if he explained to me what I needed to do and I advised yes he asked if we talked about my credit score I advised yes that my credit was around 620 he said oh okay so the credit is not the problem thats when he told me that they will be getting a program called the down payment assistance program and that he would just take my information for now and add it to the speared sheet that he has with everyone else information he stated that this program is for people that has the credit but just need help with the down payment I said okay, the gentleman NEVER stated that he would be running my credit we never talked about him running my credit, the next day I received an email telling me that this company had ran my credit, I tried to contact the man several times and never once called me back, I then reached out to the better business bureau where they sent me an email stating that they will have the company contact me on XX/XX/12 I received a call from a man named XXXX he stated he reps the company there would an investigation and would get back to me that it would take 48 hrs I then received another notification from credit karma telling me that my credit score dropped this man took my information and used it without my permission or knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen after the XXXX Data Breach in XX/XX/XXXX. I discovered this in XX/XX/XXXX when 8 separate accounts were opened with XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX. XXXX XXXX, XXXX and XXXX XXXX XXXX investigated and found that the accounts were fraudulent and they were all removed from my credit report. XXXX removed the account after I told them I would file federal suit against them if they did not but still assigned the debt to a collections agency. XXXX, reinserted the fraudulent account under a separate account number and will not remove the identity theft item from my report. XXXX removed the account from my credit reports. XXXX removed the account from my credit reports but still assigned the debt for collections to an outside third party. A separate collections account from XXXX XXXX XXXX is listed on my credit reports as having a balance of over {$11000.00} for an alleged account I had with Capital One. I never had an account with Capital One that was opened in XX/XX/XXXX which they allege using an address of XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The XXXX XXXX XXXX account is a result of identity theft and they refuse to remove the account from my credit reports EVEN though I filed six separate supporting police reports along with a formal ID Theft Affidavit with the credit bureaus and XXXX XXXX XXXX. A discover account was opened in my name in XX/XX/XXXX that is a result of identity theft. XXXX  is refusing to remove the ID Theft account from XXXX, XXXX XXXX and XXXX XXXX XXXX EVEN THOUGH they have been furnished with 3 separate FTC ID Theft affidavits with six supporting police reports and verification of my identity. XXXX  is refusing to remove the XXXX XXXX XXXX identity theft account as well. Somebody also applied for credit in my name from XXXX XXXX XXXX XXXX on my XXXX  report where I could not qualify to even be a member because I have never worked for the federal government
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I take advantage of XXXX yearly. When I applied for a home loan through XXXX in XXXX what I'm about to list wasn't on my credit report. When the final credit check was done in XXXX, XXXX six fraudulent student loan accounts were appearing on XXXX, Equifax, and two on XXXX. The six on XXXX and Equifax were created by XXXX XXXX. The two on XXXX were created by XXXX XXXX XXXX. The dates and amounts that are listed on my credit report are false. I had stopped attending school in XXXX due to a XXXX caused by an automobile accident. I had a student loan with XXXX XXXX in XXXX. This loan was paid off. The following are the six accounts by XXXX XXXX on my credit report : 1.Open XX/XX/XXXX Amount {$8500.00}. 2. Open XX/XX/XXXX Amount {$6300.00}. 3. Open XX/XX/XXXX Amount {$4700.00}. 4. Open XX/XX/XXXX Amount {$4700.00}. 5. Open XX/XX/XXXX Amount {$3600.00}. 6. Open XX/XX/XXXX Amount {$920.00}. 7.Open XX/XX/XXXX Amount {$3700.00}. 8. Open XX/XX/XXXX Amount {$1200.00}. 
Number Three and Four are the same amounts, but have different account numbers on credit report. Number Seven and Eight have had disputes filed in XXXX, but continue to remain on report. Numbers 1-6 are XXXX XXXX accounts falsely created and Numbers 7-8 are XXXX XXXX XXXX.
Product: Mortgage

I own a condo in XXXX, NJ that was my primary residence and is now rented for {$1300.00} a month. Last year, there was a period of time where I lost my renter and had to make repairs to the property and I was unable to afford the mortgage payment. I then received " streamline '' modification documents from Seterus. I met the probationary period making monthly payments of approximately {$1300.00} for three months. I was then sent the final modification documents to sign however in the interim I received a letter from the escrow department stating that my escrow was incorrect and that they would send me a letter with the new amount. I received the letter from the escrow department and it would have reduced my payment to the probationary amount of approximately {$1300.00} rather than {$1400.00} as indicated on the documents. I kindly asked for new modification documents reflecting the corrected escrow amount as that was in line with what I could afford and being they made a mistake I wanted accurate loan documents. This began in XXXX. After numerous phone calls and their recommendation to just sign the documents even though the amount was incorrect. As recent as this week, I spoke to someone stating they would look into it and put in a request for updated documents and they would get back to me. I have never gotten a response. On XXXX XXXX, I was served with foreclosure papers. I am only trying to have accurate loan documents reflecting the payment with the correct escrow amount that they had originally calculated incorrectly. But as is typical with large financial institutions, the right hand does not communicate with the left. I do not have money to get a lawyer and I just want to fix the situation but they said there is nothing I can do but try to reapply for a new modification which I am completing for form today on XXXX. I feel that it is wrong to recommend a borrower to sign documents that they know are incorrect. Also when I make calls I have gotten different answers from different representatives. There was no consistency. I greatly appreciate any assistance you can offer in helping me rectify this situation as I do want to keep the property. I am in XXXX, a XXXX, so I am not nave to the process, however I think the OCC would criticize us if we did n't have correct documents and the Bank recommended the consumer to just sign the documents knowing the payment is incorrect.
Product: Debt collection

I have tried multiple times to dispute with XXXX  and the creditor directly. I am not aware or have done any business with Southwest. I have requested a signed document or other identification to prove I owe this debt. All I have received is statements. Anyone can generate a bill and say it mine. The company or the Credit bureau has not been able to provide proof the debt is valid and I am the true person that owe it. Please help me with this collection as it is hindering my credit score. 

I am providing you permission on my behalf to have this frivolous debt deleted immediately! 

The creditor has not been able to provide proof of my signature or contract. 

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

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report regarding the account listed below. This dispute is made under the Fair Credit Reporting Act ( FCRA ) and other applicable federal regulations. 

XXXX XXXX XXXX XXXX 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 Balance : {$21000.00} Disputed Issues : Charge-Off and 1099-C Reporting : Applicable Laws : 15 U.S.C. 1666b, 15 U.S.C. 1681i, 15 U.S.C. 1681s-2 The reported charge-off and associated 1099-C form appear inaccurate. If a debt is deemed canceled and reported via a 1099-C, it should no longer be reported as due. Please delete this charge-off entry and provide documentation of the cancellation or updated reporting. 

Late Payments : Applicable Laws : 15 U.S.C. 1666b, 15 U.S.C. 1637 ( b ), 15 U.S.C. 1681s-2, 15 U.S.C. 1681i Late payments have been reported inaccurately or beyond the allowable time frame. Per FCRA and billing dispute resolution laws, I request the removal of all late payment entries related to this account.

Collections Reporting : Applicable Laws : 12 C.F.R. 1006.34 ( c ), 12 C.F.R. 1006.6 ( c ), 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2 ( a ) The collection entry associated with this account is inaccurate and does not comply with required validation standards under FDCPA and FCRA. Please delete this collection entry and provide documentation confirming its accuracy. 

Supporting Documentation : A copy of my credit report highlighting the disputed items. 

[ Include any relevant supporting documents, such as payment records, correspondence with the creditor, or the 1099-C form. ] Requested Action : Remove all inaccurate or unverifiable entries related to charge-offs, late payments, and collections.

Conduct a thorough investigation of these disputes and provide written confirmation of the actions taken within the time frames required by law.

Update my credit report accordingly to reflect accurate and compliant reporting.

Additional Details : The account has been reported as charged off with the following remarks : Charged off as bad debt ; Profit and loss write-off. I have identified discrepancies in the reporting timeline and the handling of this account. Additionally, I have paid off 24 % of this loan, and this should be accurately reflected in all reporting. 

If you require further information or documentation, please do not hesitate to contact me. I expect a response and resolution within the legally mandated timeframe. 

Thank you for your attention to this matter. 

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

I received your stall letter regarding the investigation of my previous dispute, and I cant help but feel extremely frustrated and annoyed. Seriously, how much longer are you going to drag this out? I submitted a dispute XXXX to challenge information on my credit report. According to the Fair Credit Reporting Act ( FCRA ) -15 U.S. Code 1681i ( a6 ) & 15 U.S. Code 1681i ( a7 ), you're supposed to investigate and respond promptly. But all I got was a generic stall letter with no real updates or progress. What gives? 
Ive done some research and found a CFPB report that specified youre using automated methods to send automatic stall letters to consumers in hopes that they will use your online systems for disputing. There is no law saying I cant leverage todays available technology to help me analyze, create and send disputes to you. I have attached proof of the letter that was sent to me, and all items that were disputed on my previous letter sent to Transunion Credit Bureau
Product: Credit reporting or other personal consumer reports

I am writing to report an incorrect address listed on my credit report. The address in question does not belong to me and is inaccurately linked to my credit profile. This error could potentially impact my creditworthiness and cause inconvenience when applying for credit or other financial services. I kindly request the CFPB 's assistance in investigating and resolving this issue promptly. I have attached supporting documents, such as proof of my current address, to help facilitate the correction process. Please let me know if any additional information is required. Thank you for your attention to this matter. Addresses are listed below. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I learned of the Equifax data breach. Using the website they set up, I discovered that my personal information had been compromised. I immediately instantiated a fraud alert on the 3 major credit bureaus and reached out to Equifax for details on how to proceed. 

Equifax did not adequately protect my personal information, and has not provided appropriate clarity or instruction on how to proceed now that my information has been compromised. This is a critical oversight for a company that holds so much responsibility for personal protected information.
Product: Consumer Loan

On XX/XX/XXXX, my business partner and I purchased a XXXX Jeep Wrangler Rubicon from a person representing himself as the rightful owner. The vehicle was accompanied with a Clear, Lien Free title which we were able to verify with the state of XXXX in which the vehicle was title. We sent the title off to our agent in XXXX where we operate a business. A week later, our agent in XXXX notified us that the vehicle had been reported as stolen. How can this be if we have possession of the vehicle with a lien free title? After investigating this matter further, we discovered the previous owner, now referred to as Gentlemen XXXX, had a loan balance with CHASE BANK exceeding {$37000.00}. Gentlemen XXXX offers to purchase the XXXX Jeep Wrangler from Gentlemen XXXX and submits payment to Gentlemen XXXX in the form of a check, what type of check we do not know. Gentlemen XXXX then sends check to CHASE BANK to pay off his auto loan. 

CHASE BANK chooses to release the lien from the title, without placing a hold on the check. They did not allow it time to clear, as they 're company policy requires. Check is returned as a bad check. The premature lien release from CHASE BANK allowed the XXXX gentlemen to gain possession of the vehicle along with a clear title after apparently writing a bad check for the XXXX Jeep Wrangler. The premature lien release from CHASE BANK allows the XXXX gentlemen to resell the vehicle to my business partner and I without reason for suspicion. CHASE BANK is claiming no responsibility for the matter, in fact the customer service person in their fraud department I spoke to stated, " it is our policy to release a lien on a vehicle immediately once we receive a check for the loan amount. '' Regulation CC of the Electronic Code of Federal Regulations allows banks to place holds on checks to prevent this fraudulent activity from happening. Under subpart C of the E-CFR, section 229.38, CHASE BANK is liable for any losses incurred.
Product: Credit card

For the last several days, I have been trying to pay my credit card account with Citibank. Each time I call, I am rerouted to a person or a voicemail that tells me that has blocked my payment. I have also requested an email so that I can correspond with Citibank, but none has been provided to me. 
I am concerned that Citibank is not allowing me to pay as I regularly do, so that it can seem like I am not making any good faith payments and so that it can appear that I am not paying anything on my account. 
I have reached out to Citibank several times to resolve my account and to formulate a payment plan. 
Additionally, recently, I reached out to Citibank as they stated that they wanted to work with me and offer a Hardship Program. The question from the Citibank representative was, " How much could I afford to pay each month? '' When I told him the amount, he counter offered an amount at double what I said I could afford to pay. I was completely baffled as to why the question would be posed to me and then completely ignored. 
I would like to get my account in good standing with Citibank and pay a reasonable amount that is affordable. I offered to pay XXXX per month. 
I hope that Citibank is not being retaliatory in any way since I reached out to The Financial Protection Bureau. It is my hope that Citibank will work with me, as I am doing my best to pay what I owe and as a first time request, re age my account.
Product: Credit reporting or other personal consumer reports

Hard inquiries needs to be removed. XXXX XXXX Experian are reporting hard inquiries. I never inquired about. I was asked to send a picture of the hard inquiries. I already gave the information that I seen it was stating and gave the dates. I should not have to send a picture when my rights were violated by running this credit check without my permission or consent, it seems like the bank would like me to make it easier while still not helping remove whats wrong you make it harder for me to get this removed and is unfortunate this is the third time Im now demanding for it to be removed. This bank has no regards for rights protected by the fair credit reporting act and consumer laws having no respect for my request as I will be taking further action due to the hard inquiries affecting my ability to move further with life and my pursuit to happiness in getting extended credit due to The numerous hard inquiries from one bank could somebody please look into this and take action on behalf of the bank in respecting my request by protecting my rights by following The law is put in place for consumers .. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$8200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX {$4700.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I made a purchase with my American Express Card with a XXXX called XXXX XXXX. The Merchant refused to give me copies of refunds they were processing for me. The merchant did give me a Text that I would be receiving the {$9000.00} refund. This has yet to happen. The Text to me becomes part of the contract and is valid as proof that I am owed the Refund. American Express is failing to enforce this. There are other issues that will be addressed when you read the attached documents. This has been an over XXXX month Battle with American Express and with the merchant XXXX XXXX that committed fraud with my card. 

Please see and read all attached documents with greater Details. I started my written complaint with American Express within 30 days of the purchase. In Addition I have requested from American Express on XXXX separate occasions in writing for them to send me XXXX pages of NON Legible Documents. This has still yet to be sent to me. I also feel that American Express is committing fraud with me. 

I have also requested in Writing from America Express how long i have to resolve this issue and American Express has failed to answer me. 

I have other written Documents that were sent to American espress. I am including the First and the most recent written Documents as i am trying to lighten your load as this case is extensive. I could include prior documents should you request them. 

I have written the merchant and sent them a Certified letter and the merchant has failed to respond to my letter. 

I appreciate your efforts on my plight. At the time of this purchase i thought i was purchasing just {$7000.00}. The total comes to almost {$17000.00}. At the time of this purchase i was in the process of XXXX XXXX XXXX  and i would have never made such a large purchase. This is very burdensome on me. 

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

Someone open various accounts under my ssn but with different name address and phone number is affected my credit I summit a ftc license and ssn they delete but them put back rather the bank account use is not mine
Product: Student loan

Recently I was informed that I have a loan with a company called Navient. I explained to the representative that I was unaware of any private loan and that I am unable to pay the loan at this time. I also explained that when I consolidated my student loans I was told this would include all of my student loans based on the ( NSLDS.ED.GOV ). I have explained that I am on an income based program with the consolidation of my student loans ( Direct Loans ) with determined that based on my current income my income is not sufficient to make payments at this time. I asked the representative for any options on cancelling or doing something similar with this loan payment she stated there are no options to do that and that I should ask my XXXX grandmother who does not work to help make the payments. I am not sure how she expects and elderly woman that I care for and support to make payments either. I truly feel she did not intend on helping me an any way!!!!
Product: Checking or savings account

I was recently offered a work from home position XXXX XXXX XXXX  I was forced to deposit checks into my bank account and transfer them via XXXX XXXX to obtain my home work equipment. This total transaction was {$13000.00}. I am now responsible for the fake money that went through my account by the scammer by the name of XXXX XXXX. I need help to get my funds back as this has taken everything from my family and we are now unable to survive.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing :