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

I the consumer XXXX XXXX, have reached out to Transunion on multiple occasions detailing fraudulent information on my account in relation to identity theft. They have stated that they are not governed by the FDCPA and when I brought up FCRA they also denied that they would remove anything relating to identity theft from my report. This is after I have submitted 4 FTC reports, called and detailed to them on several occasions that these items were fraudulent, the last date being XX/XX/XXXX, as well as XX/XX/XXXX. I have let them know that the following accounts & inquiries were related to Identity theft XX/XX/XXXX/XX/XX/XXXX XXXX XX/XX/XXXX/DEPT OF ED XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my consumer report and I noticed an account that I didn't authorize. Its been hurting my ability to obtain credit.
Product: Debt collection

Hello, I had been a resident of XXXX XXXX  XXXX XXXX XXXX XXXX Texas - XXXX for almost three years. At the time when I first rented the apartment, I paid a security deposit of USD XXXX. At the time of vacation, I was charged USD XXXX, which included reletting fee ( XXXX ), damages ( XXXX ), and cleaning charges ( XXXX ). I paid the complete amount through my credit card. In the invoice provided, they no where mentioned about the adjustment of the security deposit I paid during first renting out the apartment. 

When I realized, I tried to reach out to the XXXX XXXX  at the same address through phone as they were not available in office due to covid-19. At first, no one answers the call, which can be confirmed from the residents there, they also practice racism. Finally, I wrote them email as well and after many attempts could connect with them over the phone. The response was improper and they were not pleasant while talking. 

Now, they are sending me notices for paying USD XXXX via the Rent Recovery Solutions, LLC. Also, my credit history also got a hit as it has been wrongly reported. 

I need help.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TRANSUNION was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

We purchased our home in XX/XX/XXXX. At the time I was an XXXX XXXX XXXX XXXX undergoing multiple deployments to XXXX and XXXX and my family was living on XXXX XXXX XXXX XXXX. The family was under a great deal of stress because our military quarters were directly on the landing approach for F-14s, which flew over the house at low altitude several times a day. 

Shortly after moving into our new home the home we discovered hidden termite damage that had to be repaired immediately. We took out a home equity loan from Ditech to pay for the work.

The contract was signed on signed in XX/XX/XXXX, for a 25 year loan at 13.89 % actuarial interest. The original loan amount was {$77000.00}, and my payments were {$950.00} a month. 

Along with my primary mortgage, my monthly payments total {$2700.00}. Although this has been crippling financially, I have paid that amount every month since, and have never missed a payment-. 

I have paid Ditech roughly {$140000.00} in this period, and my current loan balance is {$68000.00}. 

In XX/XX/XXXX the value of the home dropped, and with our combined mortgages I have owed more than the home is worth every since. When I checked in late XX/XX/XXXX, the estimated value of the home was roughly {$310000.00}. Since moving in, we had another child, and the home was too small for our family, but we had no real options to move out. 

It gets worse. 

Ditech approached me earlier this year and offered to loan me {$350000.00} to consolidate both of my mortgages at 4.125 % interest, which would lower our total payments to roughly {$2000.00}. 

We were within a week of closing when we discovered serious termite damage in the home, and realized that the termite inspection report provided by our pest control company was fraudulent. Knowing that this was illegal and unethical, I stopped the refi process while we determined the extent of the damage. 

Surprisingly, my Ditech loan processor encouraged me to continue with the loan, citing that no one would ever know about the report. Even after I explained that I planned to not occupy the home as my primary residence and would therefore not be eligible for a refi loan, Ditech encouraged me to close the loan. 

Through this experience I learned that Ditech has not only taken advantage of me and placed my family in serious financial hardship from the beginning, but they were willing to place me in legal jeopardy. Through this entire experience I have met my obligations and dutifully my payments, hoping that I would be able to pay this loan down enough to get out from under it. They make it difficult to navigate their website and find pertinent information, and they are predatory in their practices
Product: Credit card

My husband injured himself and needed to interrupt our trip overseas. We came home early in order to get proper medical care. We put in a request with Citibank Mastercard Benefits Program several months ago, and were assigned a case number of XXXX. We were told our claim would be handled by the XXXX 
We provided doctor 's notes, trip itinerary change information, and other expenses. No one ever got back to us. I called several times and ws told I needed to provide a physician 's note, which they already had. 
Now they claim that they only provide trip interruption insurance if the person was unable to TRAVEL ( even to fly back to place of origin. ) My husband was able to fly home, but not able to continue the trip. That is what I deem trip INTERRUPTION. I believe the wording in their Benefits Brochure is deliberately obscure. How can one INTERRUPT a trip and still stay overseas? They then would have claimed that our trip was not interrupted or cancelled. 
[ If a person got sick on a boat and was evacuated home, he was able to travel for medical care, but not continue his trip. Would he be denied INTERRUPTION insurance? How could he have both stayed on the cruise, and not stayed on the cruise at the same time!?! ] I would like them to honor the intent that any reasonable person would believe- trip INTERRUPTION means a trip that was interrupted due to a medical inability to continue that trip.
Product: Debt collection

I know I am passed due on my payments, due to no employment I was not able to give a payment yet. XXXX XXXX calls me everyday about 20 times a day or even more to tell me about my payment which I already know about. Today XX/XX/2018 they called my father about my business, which I think it's not professional. First of all, I don't know how the company even got my father 's information when I never gave the company his details or anyone elses.Second, I think it's total harassment for them to be calling me so many times and now even calling my father and leaving him voicemails about my personal business. I will give a payment as soon as my first check arrives, like I told the company already I was unemployed for the past 6 months like they mentioned to me. I know what I have to take care of, I haven't done so because I had no money to do any payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cares Act of XXXX CoVid-19 Good Will Late Payment Removal Request Name- XXXX XXXX DOB- XX/XX/XXXX Last 4 Of SSN- XXXX Address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account Number- XXXX Opened- XX/XX/XXXX Secured Card XX/XX/XXXX To Whom It May Concern At The Office of The CEO ( US BANK ) Corporate Office Thank you for taking the time to read this letter. Im writing, because I noticed that my most recent credit report contains a late payment reported on XX/XX/XXXX for my US Bank account XXXX. 

I want you to know that I understand my financial obligations, and if it werent for me being affected by a job loss due to COVID-19, Id have an excellent payment record. I made a mistake in falling behind, but since then I have gained another place of employment and I have caught up with my payments this XXXX. 

According to the Cares Act of XXXX, If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). 

I am fully exercising my consumer rights under the Cares Act of XXXX and I am requesting that my US Bank Account with account number XXXX, be updated with all XXXX of the major credit reporting agencies as paid and full and never late according to the provisions of the Cares Act 2020 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). 

I have a spotless record of on-time payments since this late payment occurred. Im planning to apply for a mortgage and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late that occurred in XX/XX/XXXX from my US Bank XXXX under Cares Act XXXX 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). 


Thank you for your consideration, and I hope youll approve my request. 
Warm Regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned to find that your bank XXXX XXXX has pulled all three of my credit reports XXXX XXXX XXXX XXXX and I have absolutely no idea why you did that I havent done any business with your bank I did not give you permission to pull hard reports I didnt get information to pull any report so why on XX/XX/XXXX it looks like did you pull all three of my credit reports for no apparent reason?
Product: Credit reporting or other personal consumer reports

I have recently identified inaccurate account that are being reported on my credit report. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home and these are severely hurting my loan options. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List account name and date List account name and date You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
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 XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that my freeze be removed permanently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX SS XXXX I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all SecuritXXXX freezes at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possibleave
Product: Credit card or prepaid card

I HAVE BEEN A MEMBER WITH NAVY FEDERAL SINCE XX/XX/2019, I HAVE APPLIED FOR THERE CREDIT CARD, MORTGAGE PROGRAM, AUTO LOAN FINANCE AND ALL BEEN DENIED, MY MOST RECENT APPLICATION, I APPLIED FOR UNSECURED CREDIT CARD APPLICATION AND WAS DENIED, I HAVE HAD A SECURED CREDIT CARD PLUS 3 ACCOUNTS CHECKING SAVINGS AND BUSINESS ACCOUNT ALL IN GOOD STANDING, EACH TIME IVE BEEN DENIED FOR ONE OF THERE SERVICES I HAVE NEVER RECEIVED A DENIAL LETTER EXPLAINING WHY I HAVE SENT EMAILS TO THERE RECONSIDERATION DEPT XXXX EACH TIME, ILL RECEIVE A CALL FROM A REP, THAT JUST REINTERATES THE SAME SCRIPT THAT MY ACCOUNT IS REVIEWED EVERY MONTH AND THAT THERES NO SPECFIC TIME WHEN ILL BE CONSIDERED FOR AN INCREAE OR I SHOULD RECEIVE A LETTER IN THE MAIL WITH MORE DETAILS, IN ANY EVENT SINCE BECOMING A MEMBER MY CREDIT SCORE HAS IMPROVED TO OVER 700 BY WAY THROUGH THEIR APP, SO I ATTEMPTED AGAIN AND WAS DENIED AGAIN, AFTER REQUESTING PROOF OF INCOME, BY WAY I SENT IN MY RECENT PAYSTUBS YET THEY DENIED ME FOR UNABLE TO VERIFY INCOME TO WHICH I HAD TO CONTACT THEM TO FIND OUT WHY, WHEN I NEVER RECEIVED A LETTER, WHEN I SUBMITTED THE APPLICATION, I HAD TO SEND AN INQUIRY THROUGH THEIR MESSAGING SYSYTEM THROUGH THEIR ONLINE SYSYTEM, TO ASK, AN A REP RESPONDED THAT ITS BECAUSE THEY COULDNT VERIFY MY INCOME WHEN ASKED TO SUBIT MY TAX RETURNS, THERE WAS NO REQUEST OF MY TAX RETURNS THERE WAS A REQUEST FOR " PROOF OF INCOME '' WITH PAYSTUBS, TAX RETURNS BEING AN OPTION, YET THATA THE REASON THEY DENIED ME, FOR A VERY LONG TIME IVE BEEN SENSING IS A SENSE OF DISCRIMINTATION FROM THEIR UNDERWRITING DEPARTMENT AND I CAN NOT SEEM TO GET A DIRECT ANSWERS ON THESE DENIALS THAT MAKES SENSE, IN ADDITION, I ACCIDENTIAL REQUESTED AN OLD STATEMENT AND THEY SENT ME A MESSAGE SAYING UNABLE TO SEND THE STATEMENT UNTIL I CHANGE MY ADDRESS BUT YET SENT THE STATEMENT VIA XXXX XXXX AT THE SAME TIME, WHICH A CONTRADICTION OF THE COMMUNICATION, I SENSE THAT THESE REPS ARE NOT ON THE SAME PAGE, AND I FEEL THEY ARE NOT PRACTING LEGAL TACTICS UNDER CONSUMER LAWS
Product: Checking or savings account

On XX/XX/2023, I tried to withdraw XXXX dollars from an atm. I didn't recieve the money. I called credit karma and tried to dispute the action. They claim they sent me an email asking for my information and never recieved it. The only information I was asked for was the last XXXX of my social security number, which I gave them. I've been trying since then to get the money back
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX and had my identity stolen on vacation in XXXX XXXX on XX/XX/XXXX. The criminals stole my XXXX, XXXX watch, two XXXX XXXX credit cards, and my ID. I was passed out believed they slipped something in my drink and woke up with everything gone. I have submitted a police report and found the criminals information online via XXXX. Overall i am having problems with wells fargo reimbursing all of my money back. They gave me back about XXXX of the XXXX that was stolen. I have two transactions with them on the same day of the incident saying XXXX from my savings for {$1000.00} and another of {$2500.00} on my credit card. XXXX XXXX is saying that they were authorized from a secure device that I authorized and will not reimburse me for these transactions. I have been dealing with this since the incident. It is now XX/XX/2023 and i have been denied three times with this claim. I have provided a police report saying that the phone was stolen and it was still denied. I feel like they just keep running me around the block and its literally been over 100 days dealing with this. This is starting to affect my credit report now and I am exhausted dealing with this constantly on my days off and i work XXXX a week. Can you please help me resolve this it has been going on to long.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I have the XXXX  app downloaded on my phone with all three bureaus as a subscription. I got alerted Thursday XX/XX/XXXX about an inquiry, honestly didn't pay much attention to it being that I refinanced my house few weeks ago so I was thinking it was from that maybe, then Friday XX/XX/XXXX I got 1-2 more inquires and said let me check and I seen that capital one bank usa, XXXX XXXX XXXX XXXX XXXX and XXXX all pulled my credit. I called each one, and there was 2 accounts opened that day with approved credit cards and the other banks didn't approve the cards, so I instantly canceled the cards and they told me each to fill out this report. So reaching out to you all, to say those aren't my charges, I didn't authorize that. If you look into my account outside of my home mortgage I never ran hard inquires random like that.
Product: Mortgage

SPS demanded full payment dismissing my dispute initially in 12 months - for an amount that exceeded {$300000.00} - and then adjusting to 24 months and refusing to adjust to 36 months by employing tactics of requesting in bad faith unneeded and repeated information that I exhaustively provided and putting in peril my home retention. The file is voluminous and will demonstrate the bad faith observed in this never ending process. They mistakenly paid property taxes for semesters a prior service bank had paid and for taxes interest and penalties that could have been avoided if paid under an amnesty that I had repeatedly plea for them to use. They then harassed me demanding the full payment they mistakenly paid to the tax revenue office XXXX in 12 months. Then in 24 months and have refused to consider 36 months. I dispute being obliged to pay such taxes in arrears. That was the bank obligation to pay with the escrow they collected from me. SPS fail to audit any tax debt before they took over the servicing from XXXX XXXX XXXX XXXX. So all this errors mistakes and omissions they want to pay for in full and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed in a complaint letter on XX/XX/2021 for inaccuracy on two collection accounts that are not mine. These accounts are unauthorized by me and I have not received any responses back from them. This is very frustrating I have not been able to close on a house due to these false remarks on my credit report.
Product: Credit reporting or other personal consumer reports

see attached I've recently checked my credit report and notice some inaccurate accounts reporting. 

After recently reviewing my credit report I noticed several inconsistencies regarding multiple accounts in the ( Date of Last Active, Last Reported, Date Open, Comments, Date of last payment ) section. See below. Some accounts are XXXX years old and should not be shown on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX
Product: Checking or savings account

On the XXXX on XX/XX/XXXX, I received a notification from Chase Bank alerting me to the balance of savings was negative. I first became aware these fraudulent withdrawals from XX/XX/XXXX until XX/XX/XXXX, XXXX, total {$30000.00}. 
Chase has credited {$16000.00} for the first XXXX months of fraudulent activity on the XXXX XX/XX/XXXX, I am deeply concerned that the remaining {$14000.00} has not been reimbursed, despite these transactions following the same unauthorized pattern.
Product: Money transfer, virtual currency, or money service

XXXX  I sent {$100.00} to my brother via  Western Union. Af ter receiving my copy of the paperwork I forwarded my brother the reference number and continued driving as I am a  XXXX   XXXX   XXXX    XXXX   XXXX  . The next day my brother contacted me seeking more digits of the reference number as  ten  digits are required. I reviewed my document and seen the printer somehow messed up and did n't print enough digits. I contacted western union on  XXXX  regarding this matter and have continuously been told to call back  24-48 hr s. Today after going thru a lengthy process to get a live person and explaining my issue I was placed on hold and the afte r 3 mi nutes I was hung up on. This is probably th e 6th  time I 've been hung up on. When I provide the case ref # I continue to be told to call back in  24-48 hrs. I jus t called  Western Union a s I am typing this and AGAIN was told '' I will escalate this matter and please call back in 24-48 hrs ''. My most current case ref # is  XXXX , the previous ones are  XXXX ,  XXXX ,  XXXX ,  XXXX  all which nobody seemed to have any data on