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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX 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 Accounts : XXXX XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$6900.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$5800.00}, XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1600.00} XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$150.00}, XXXX XXXXXXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you 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 # ( XXXX ) 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: Credit card

My XX/XX/XXXX credit card application for the XXXX XXXX XXXX American Express card was denied due to a XXXX cancelled debt. I was advised by customer service representative from the reconsideration team to have my lawyer ( who I no longer have contact with ) contact the companys Legal department to discuss the matter and was not advised of the reason for the discussion. I reiterated my confusion as to the reason why Im being subjected to credit denial after a XXXX XXXX old cancelled debt, I know this doesnt happen to others ( majority ) who have filed Bankruptcy on numerous occasions and applied for the card seven years after the discharge. I was then told that the company had the right to refuse based on their own discretion and internal policies. However, the company indicates in its policy their adherence to the Equal Credit Opportunity Act. Im almost certain theres some discriminatory actions taking place within American Express, and am curious to know how many minority applicants are denied credit after a bankruptcy discharge versus the majority, as well as the number of years the discharged customer is subjected to denial after the cancellation for each group. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian multiple times regarding inaccuracies in my credit file in addition to their constant reporting of " Too many Consumer Finance Company Accounts '' and which of my creditors all of a sudden has started to trigger this comment to be placed in my file. 

Experian continues to ignore my request and continues to not give me a straight answer. This comment use to never be there and all of a sudden has appeared. If they are placing information in my file they are obligated to tell me why or which creditor and they refuse to do so. 

I have also requested a personal statement to be added to my credit file and this too has failed to be completed.
Product: Mortgage

Green Tree Servicing lost all my personal papers when switching over to ditech receiving harassing phone calls starting at XXXX XXXX. to XXXX tried to call them back they would give me the runaround transfer me tried to say I was behind on a payment I have reference numbers to prove I wasn't found out my money was in lingo they serve me papers 4 court the paper said I was served was not for me they were for somebody else I've got their personal loan information different name wasn't even my name they makes my lawn up with somebody else 's loan I've called several times they said they can't explain it I said I need it fixed now they're trying to put me in foreclosure with somebody else 's stuff
Product: Credit reporting or other personal consumer reports

EQUIFAX REINVESTIGATION REQUEST NOTICE XX/XX/year> I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting. ( XXXX ) ACCOUNT XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX. EQUIFAX is currently reporting negative information as a violation to federal laws. ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. ( 15 usc 6801 Protection of Non- Public Information ) PLEASE PROVIDE THE DISCLOSURE FORMS RECEIVED IN YOUR INVESTIGATION WHEN ACCOUNTS WERE FIRST PLACED ON MY CREDIT REPORT. 15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. HOW WAS THE INVESTIGATION CONDUCTED? PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION. I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). 15 USC 1681 ( g ) ( a ) 1 The federal law states there is a description of the procedure attached to my file and I have the right to request all of the information in that file. In general, if after any reinvestigation under paragraph 1, of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed negative and erroneous items on my credit report, and i haven't heard a response back yet, and its been pass the 30 day deadline. I sent off letters via certified mail on XX/XX/2020 they received said mail XX/XX/2020. EQUIFAX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of issue for my social security number is incorrect. I reported my actual final day of work, but was on leave for XXXX  months following, therefore still considered employed, which explains the discrepancy of those dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$0.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a credit limit of {$0.00} -This is not my account. 


2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a credit limit of {$1400.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 a " hard inquiry '' was reported on my credit report from XXXX XXXX. I have never been affiliated with XXXX XXXX. I have never been a member of them, have never even stepped for in their facilities, nor have I ever even gone onto a XXXX XXXX Website. I think I have been involved in identity fraud in this situation. 
This is the first course of action I have made against XXXX XXXX.
Product: Credit reporting or other personal consumer reports

After reviewing the credit reporting companies responses, I would like to file an additional complaint along with the first ones. The responses from 2 of the companies were that the matters are still being investigated. If I filed the disputes in 2022 and they are still being investigated then I'm pretty sure that put 's them in serious violation.
Product: Credit reporting or other personal consumer reports

Credit was taken out in my name someone also purchased a vehicle in my name and my data has been breached to the dark web
Product: Mortgage

Hi. I 'm not sure that this is the right direction to go, however I 'm out if options with this company. Nation star Mortgage is in process of ruining my credit. I can not get a rep or supervisor over there to help me remedy what should be a simple situation. Our mortgage was sold to them. We set up auto deduct and every month for about 5 months now, they have not been able to get my account set up correctly. 

When it was originally transferred from XXXX I was told I needed to do nothing and that auto deduct would occur. At this point I 've spoken to XXXX cust serv reps, and XXXX supervisorsWith no resolve. I 've been lied to, hung up on, and all I want them to do is debit my savings acct each month to pay my mtg. You can see through my bank statements that the money has been sitting there waiting to be deducted. Each time I 'm told that it 's taken care of it never is. I 'm not sure if I should get an attorney involved or what. I really want someone else to service this loan. I have no way to resolve this on my own. There must be a history in my account a mile long from all of the conversations. I feel like I should be paid as an employee of theirs because I 've spent so much time on this. 

I was told by my bank that it 's an internal coding error on their side, which apparently no one there knows how to fix. I have never been so frustrated or disappointed with a company 's performance in my life. At one point I had the bank and the mtg company on the line and they talked, figured out the issue and there is still no resolve. Funny thing is that when I 've called in after noticing the deductions have n't occurred they are able to pull the money internally ( from nationstars end ). So, you can see there is no issue with the account. My savings number never changed .. It 's always been the same. We use nexttier bank. I would simply set this up through another account if I thought it would help but I have zero trust in this company and quite frankly at this point even if they told me it was resolved I know it would n't be. My husband has direct deposit specifically for this mortgage and we set up auto deduct so we would never be late. Now look where I am. For us to change that over to another account just because nation start ca n't code a savings as a savings is absurd, also as an aside the rep I spoke to at the bank new immediately what the issue was be used it happened to her as well. I found that very ironic. 

Please help and let me know where the consumer protection from this sort of thing is? I 've set this account up numerous times and have even had them walk me though it. I pay plenty of bills online and automatically, and I 've never seen such incompetence in my life. I have also contacted the XXXX in XXXX Tx which is where I assume their headquarters is according to the billing address. 

I appreciate your help! 





Sent from my iPhone
Product: Mortgage

Our Condominium Owner 's Association is a small association of XXXX condominium units. In XXXX XXXX, one of our owner 's, stopped paying her monthly dues. A Notice of Delinquency was mailed to her on XXXX XXXX, XXXX. Shortly after, she was admitted to a XXXX. The Association was informed that it was unlikely she would be able to return home. 
Monthly dues have not been paid for 18 months. We placed a lien on the property on XXXX XXXX, XXXX. 
As we are a small association of elderly residents, most on a fixed income, the remaining owners have had to make up the shortfall, which is a hardship for all. We have had to not only cut back on much needed maintenance projects, we are unable to adequately plan for future major expenses. Though various residents have undertaken to help maintain the property, it continues to decline in value as it has not been occupied for so long. 
We have contacted a real estate agent who has been working with the mortgage holder of the property. Our understanding is that Chase Bank has yet to foreclose on the property, even though the mortgage is in arrears. Other real estate agents in the area have had offers on the property, but, according to agents, Chase will not respond to any of these offers. 
We are desperate for relief in this situation. It is affecting not only our individual finances, but also our quality of life and the investments we have worked so hard to maintain. 
Please let us know what steps we need to take. We greatly appreciate your assistance. 

XXXX Condominium Owner 's Association
Product: Debt collection

Southwest Credit Systems is reporting an account that had been removed from their files. Last year, this account was deleted from all three credit reporting agencies for inaccuracies. Once an account is deleted for cause, it can not be reinserted.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and saw collections there. It says that I owe a lot of money, but I dont know what it is for. Someone may have used my personal information XXXX XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

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

I pulled my credit report for the first time in 10 years and I have derogatory items that is not mine including multiple bankruptcies. These accounts are fraudulent and need to be deleted. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XX/XX/XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XX/XX/XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XX/XX/XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland has reported a debt that is not mine. I have not done buisness, recieved goods or services from this company. I have requested proper documentation verifying and validating the debt they claim i owe. The address is incorrect & every month they report it as owing XXXX then increase it to {$500.00}, constantly bringing my score down. They do thos same tactic every month. Bring it ip a dollar, then down a dollar, then back up, & so on. This has effected my scores and brongs my score down more than it goes up each time. I have disputed this debt mutliple times asking for signed contracts and all documents showing each debt, they continue to send just a bill with the amount and a10 % off settle amount which i refuse to pay for anything that is not kine.
Product: Credit reporting, credit repair services, or other personal consumer reports

The address on my transunion report is incorrect and needs to be changed to match the address on my XXXX report which is correct. On transunion is shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The correct address is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

Attached below is my transunion address on the report which is inaccurate and also my XXXX report with the correct address.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request that all accounts listed below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Please take immediate action to ensure these accounts are removed from my credit file. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe theses practices are unfair and request an investigation into my account transactions
Product: Mortgage

I have 2 problems with my Wells Fargo Mortgage. 

1. I had a bankruptcy around XXXX. In the bankruptcy, the home mortgage was reaffirmed. There has NEVER been a missed payment, yet WF still treats it as in bankruptcy, now 20 years later and will NOT take it out of that status. I have called multiple times and they will not fix. I don't know what to do. I would like my mortgage reported as paid on my credit report and the bankruptcy status removed. 

2. My mortgage is variable rate and is due to be reassessed in XXXX or XXXX. I made my last payment for XX/XX/XXXX on XX/XX/XXXX. Now the bank will NOT let me make anymore payments. This means I can not pay ahead, I can not make ANY additional principal payments, and they get to continue to charge interest. I have emailed and called the bank and no one seems to be able to resolve this. I started attempting to make additional mortgage payments on XX/XX/XXXX and they still will not allow.
Product: Debt collection

I Received a letter from the collection agency, saying I owed them {$570.00} for an alleged account with XXXX on XX/XX/XXXX. On XX/XX/XXXX I mailed a certified letter, which was received and signed for on XX/XX/XXXX requesting information to validate the alleged debt. The things I asked for are things that I am by law able to request, and the collection agency must provide. I have yet to receive any of the documents I equested that are required by law to validate the account. It is well over 30 days, almost 60 days past the required time period that the collection agency must respond per FDCPA, and FCRA laws. I have contacted the agency multiple times, and get no cooperation from them. I have every phone call documented with names, dates, and times. XX/XX/XXXX told by rep from the agency that they cant send any other documents besides the bill from XXXX. Stated they did receive my certified letter, but they have been waiting on their client XXXX to respond with the appropriate documents. Transferred me to a supervisor ( name documented ) so I left a message for her to call me. 
XX/XX/XXXX Supervisor *XXXX XXXX XXXX XXXX XXXX called me back, was very rude, and told me that they sent a copy of my last bill to me, and that is proper validation ( which I havent received ) I called XXXX ( name, date, time documented ) and they are not able to pull up any account information with the account number that is listed on the collection letter sent to me by Southwest Credit . XXXX isnt able to verify any of the information required by law. They cant verify anything, I was told that they arent able to pull up any statements, or any balance that may be owed. Rep from XXXX told me the account with collection agency will be deleted, a ticket was submitted for deletion. After this, I have checked daily with the collection agency to see if the account ha been deleted yet, and they tell me it hasnt. Called XXXX back XX/XX/XXXX spoke with Rep ( name documented ) stated the collection agency has all the info needed to delete the account. This is clearly a zombie debt, that can not be validated by the collection agency OR XXXX, yet the collection agency wont delete this account from my credit. This is a clear violation of Fair Debt Collections Practices Act, as well as the Fair Credit Reporting Act. In the state of Texas, a civil suit can be filed, the collection agency fined, and I can seek damages up to {$1000.00}. I am hoping not to have to retain an Attorney, but if the account is not deleted from my credit, I may have to do that.