23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

For almost 4 years I have been trying to get a loan modification from XXXX with no success. I have been trying keep my family in our home. I am 18 payments behind. For some reason XXXX sold my loan to selence finance. Now I am trying to get one done with Selence and they will not work with me either. I have asked both XXXX and Selene Finance to send me a copy of my original loan papers just to see if they are even allowed to forclose on me. My payment has went up almost 400 a month and since for some reason the they will not explain. They wont even tell me the investor that owns my loan. I have been scamed by to different companies that said they could get me a mortgage modification. They are XXXX XXXX and XXXX. to the tune of over 53 hundered dollars. My account number with Selene financial is XXXX and I owe about 220 thousand dollars on the loan. The Builder that sold me the house had the appraisal pushed to XXXX XXXX dollars and trade my home in on their new one. He could not even get XXXX dollars out of the house. and after a couple of years the owner of the company came to me and said he is giving me back my old house. He never took it out of my name. the payment on the house was almost 1100 dollars and i could not afford to take it back and was forced to file bankrutcy. The state of indiana attorney general sue the builder XXXX XXXX for several hundreds of thousands of dollars in fines because the did that to more than just me. My loan or account number with Selene financial is XXXX. Please help me get a loan modification so I can keep my family together. I can afford about XXXX to XXXX per month if they will modify the loan to that. Sincerely XXXX XXXX XXXX
Product: Credit card

On XXXX  XX/XX/XXXX I was notified by the dmv when I was requesting a new drivers license that my Discover card was locked. I had no knowledge of why that could be because every payment I have ever made has been on time and I have had no issues with the amount. I called Discover requesting an explanation. I was repeatedly transferred to an outside verification company that attempted to force me to provide detailed tax information to them for reasons unclear. I repeated multiple times to multiple representatives that I knew the exact US codes they were violating. I was repeatedly told I supposedly signed something stating they could. No representative could cite any agreement. They then refused to let me speak to anyone else and disconnected the call confirming the illegal nature of the entire situation.
Product: Student loan

I recently refinanced and consolidated my loans from College AVE with another lender. The other lenders ' check to college ave was cleared on XX/XX/21 over two weeks ago and the payment has not posted to my account. College Ave denies receiving payment stating that my accounts are overdue. Customer Service has been very unhelpful and insists that I send a copy of the front and back of the check from the other lender before they contact another team to search for the payment. This is a lot of money to " lose '' on their end. I have requested to speak with a supervisor but was told that none were available even after I told them I was going to file this complaint. This is not the first issue I have had with this lender, it's just the final straw.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dispute Department [ XXXX Address ] [ City, State, ZIP Code ] Subject : Dispute of Erroneous Information on Credit Report Dear Sir/Madam , I am writing to formally dispute and request the immediate removal of multiple hard inquiries listed on my credit report. Upon reviewing my credit file, I discovered that these inquiries were made under false pretenses and have significantly impacted my financial well-being. 

Furthermore, I would like to bring to your attention the inaccurate reporting by XXXX XXXX on my credit report. The company has falsely reported late payments, despite having made payments as per the agreed-upon schedule. I possess documented evidence in the form of email receipts that clearly display the payment dates. 

In addition to the aforementioned discrepancies, I am deeply concerned about the reinsertion of the XXXX XXXX account on my credit report. Despite providing substantial evidence, including a police report, Social Security details, drivers license, and a fraud report, the credit bureaus have failed to rectify this error. 

Moreover, the impact of these inaccuracies has been far-reaching. Not only have I experienced repeated denials for credit, but I have also faced denials for insurance coverage, rendering me unable to insure a newly acquired vehicle. This has directly affected my ability to work and maintain a stable living situation, leading to homelessness. 

I have diligently cooperated by providing extensive information and documentation upon request. However, despite my efforts and compliance, I continue to face this ordeal daily, with XXXX unjustly blacklisting me due to the association with the XXXX XXXX account. This unwarranted blacklisting has further hindered my access to financial stability and residence. 

The toll on my mental health has been severe, considering the distress caused by this situation. Its unacceptable that despite promises to rectify the errors, the credit bureaus continue to neglect my case, leaving me in a precarious and unjust situation. 

I demand an immediate and conclusive resolution to these matters. Your failure to rectify these errors has perpetuated undue hardships on my life. I require a detailed explanation of the investigative process that fails to identify the discrepancies in account names, which clearly do not correspond to my identity. 

Enclosed are copies of the evidence and documentation supporting my claims. I implore you to thoroughly review this information and promptly rectify the errors on my credit report. 

Please acknowledge receipt of this dispute letter and initiate a comprehensive investigation to address these issues with urgency. Your swift action in correcting these errors is imperative to restoring my financial integrity and mental well-being. 

I earnestly anticipate a swift and definitive resolution to these pressing matters. 

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

On XX/XX/2022, I received a notification that there was a hard inquiry on my credit report from XXXX XXXX XXXX - CPU made on XX/XX/2022. I did not recognize this inquiry, and I had not used or applied for credit to make any purchases. I contacted XXXX 's on XX/XX/2022. The person I talked to could not help me but took down my information to have someone call me back. Nobody from the company ever called me back, and I received another notification that there was a second hard inquiry from XXXX 's on XX/XX/2022. I called XXXX 's again on XX/XX/2022, and they said someone had tried to buy a laptop on credit in my name on XX/XX/2022. I did not try to buy a laptop, and if I had, I wouldn't have needed to apply for credit to do it. I told XXXX 's that the person who was trying to get a laptop was not me. They said someone would call me back, but I have not heard back from them. 

I contacted Equifax, the company where the hard inquiry showed up, to ask them how to resolve this issue. They directed me to file a complaint with the Federal Trade Commission and to send in the report.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I was shocked to find the following account reported negatively : Creditor : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft my information was exposed in a data breach I have been actively monitoring my report .I did not authorize the following companies to run my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached my FTC REPORT
Product: Credit card or prepaid card

On XX/XX/2021 I went to make a purchase and my citibank credit card was declined. I contacted Citibank thinking it was a fraud situation only discover they closed my account. I have had this account for 22 years and never had an issue other fraudulent activity that caused the account to change numbers. I called the company and they could neither tell me what caused my account to close nor why I was not provided with advance warning. I also came to learn they cancelled my other citibank credit card had also been cancelled. I elevated the call twice but no one would assist me. This is my oldest account and because of it's closure will surely cause my credit score to go down from where I have it. Credit card companies should provide advance notice of the closure and/or an explanation. This was not only improper business tactics but also improper given the federal dollars given to bail them out. Furthermore, this bank, and all other banks, should be required to send information to the credit bureaus to prevent impacts to a credit score when they provide no explanation for the closure knowing the impact it will have.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion credit has billed me the last 2 months on my XXXX credit card - for the months of XXXX and XX/XX/2018 I have never signed up for any service fromtransunion and don't know how they obtained my credit card number.
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it may concern. I'm writing looking for relief of an incorrect bad collection account on my credit report. I have no idea who or how it got on my credit, and was not contacted by anyone pertaining to this account if was accurate. 
account name, HILLCREST DAVIDSON & XXXX date open XX/XX/2022 SAYS : past due as of XX/XX/2022 amount {$1700.00} can you please launch an investigation this is holding me back and may not be accurate. The Fair Credit Reporting Act. 15 U.S.C sec 1681i ( a ) ( 1 ) ( a ) I was pleading for an investigation.

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

XXXX XXXX XXXX, XXXX Company could not validate debt
Product: Debt collection

Cedar Business Services, I have requested verification of the debt and it has not been provided. I continue to get harassed via work email. Confirm the debt owed, that it is mine, and that you are authorized to collect the debt. I ask that you provide all supporting documentation and information on how you arrived at that conclusion. This is my request and right under FCRA 611.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I opened an account with Bank of America with a {$1500.00} ETF transfer .. 
They are refusing to allow me access to the money because they can't authenticate that it is me until I am Authenticated .. After hours on hold and many phone calls they insist that my only option is to go to a branch and provide an ID. The nearest branch is a 3 hour drive from me .. 
Clearly they could ascertain that it is me in many other ways but they the will not .. 
I have no way to access my funds and I want them returned and this account closed .. 
If they can't provide me with a means to authenticate myself then quite clearly they are denying me access to funds. 
I want the money back ..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX 15 U.S. Code $ 1681c-2 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 after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

I checked my credit report in early XX/XX/XXXX and saw a debt that had gone to collections for a company called Synchrony in the amount of {$2000.00}. Per the credit report, that account was opened on XX/XX/XXXX. I never opened that account. While I have no direct proof, I believe that the aunt ( XXXX XXXX ) of my estranged XXXX XXXX ( who has custody of said daughter ), fraudulently opened this account to buy furniture. A company called me around the time the account was opened and told me that I bought some furniture and I had not and told them so. In any event, I certainly did not open this account and this is not my debt. I contacted the fraud department at Synchrony, but they asked me to provide my SSN, which I was not comfortable doing, especially given the circumstances.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

on XX/XX/XXXX I purchased a XXXX XXXX XXXX from Autoflex leasing.  I traded in a XXXX XXXX XXXX, Autoflex leasing was supposed pay it off and they failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans which were being serviced by XXXX XXXX have been transferred to XXXX ( as of early XX/XX/2022 ). As a result of this, my credit score ( as reported by Equifax ) is now indicating my student loan account as closed which has resulted in a significant decline in my credit score due to the decrease in the number of accounts. I am going to be applying for apartments soon and the decreased credit score could have negative impacts on my apartment search.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The 3 Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I review a current copy of my credit report an show inaccurate information listed on my credit report. I place a dispute with creditor and have not received any dispute results. This creditor is listing a charge off on my credit report with inaccurate open dates, Showing balances on a charge off account per the law any charge off on credit reports once show a balance of {$0.00}. 

Creditor : XX/XX/XXXX ( Original Creditor : XXXX  XX/XX/XXXX ) Account number : XXXX Account open dates listing on report : XX/XX/2016 and XX/XX/2016 Account open Balance reporting on credit report {$760.00} which is inaccurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Capital One Closed my credit card account stating my credit worthiness was bad. I wanted the account closed due to fraudulent charges which they state do not exist. I filed a police report and submitted it to Capital One which they state I never did. Thats a flat out lie. 
Im glad they closed my account as I requested. My problem is that they continue to report late payments to the credit bureaus XXXX and XXXX. These reported late payments should not be reported to my closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an error on my credit report with Transunion on XX/XX/XXXX. They then removed the account with ( XXXX, XXXX, XXXX XXXX ) and it showed deleted on my new report on XX/XX/2019. It has now reappeared on my file BUT Transunion never gave me a 5 day notification, as required by law that they had put it back on my credit report. The other CB 's removed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed to XXXX via USPS certified mail, a letter and other related documents regarding they open an investigation on my credit report. The documents consisted request for validation of Accounts XXXX XXXX # XXXX and XXXX and notification of identity theft accounts XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX. The identity theft report also included inquiries. 

The documents were delivered to XXXX on XXXX XXXX, 2017, in XXXX TX. 

To date, I have not received any information related to the above information and report.
Product: Credit card or prepaid card

I received a credit card from Bank of America that I never applied-for, and, did report it to this company. I just don't understand why the crook would have it sent to my address? 

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

Hello, XXXX XXXX  : Equifax # XXXX ; XXXX  # XXXX ; XXXX  # XXXX I have requested the above account be removed off my credit report. As I'm an Authorized User and the Primary Account Holder has abused the account and placing negative information on my credit report. Please remove ASAP as I'm in the process buying a house.
Product: Student loan

I am a Veteran and I was on a steady payment plan before Navient took over my loan. I paid faithfully every month and when they took over they stopped the payment plan I paying and started calling harassing me about paying excessive amounts when I was paying based on my income. I have put in for a hardship with them and they denied me once again still demanding a high monthly payment.
Product: Checking or savings account

We signed up for Square merchant services and checking earlier in the week. Processed our first clients payment without issue for {$200.00}. Switched over a second client from XXXX, processed their payment after job, I paid laborers for the day out of pocket. 

Within 2-3 hours I receive an email saying that they " suspect fraud '' and the funds are being held. I completed the questionnaire, and promptly called my client. She said that there's no issue on her end and even shared a screenshot from their business banking showing the transaction as approved. 

I told the Square representative this over the phone and was told to wait for an email. I received an email today stating the funds will be held for 3 months and my account is closed. Now I'm out {$400.00}, and can't pay to work Monday. Really messed up my business, and upon XXXX  I found tons of other small businesses facing the same issues when dealing with Square.