23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Residential Credit Solutions placed my VA Home Loan account into bankruptcy status although I have not recently filed bankruptcy. I called and emailed them after receiving their letter notifying them that they made a mistake and I sent proof but they refuse to remove the active bankruptcy status from my account. Please, someone make them stop this. They stopped my automatic bank draft and refuse to accept a mortgage payment ; says I must submit payment to their Bankruptcy Department knowing that I am not in bankruptcy.
Product: Credit card or prepaid card

Regular payments had been made on the account up until XXXX. I could not continue to work my higher paying job and took a much lower paying one. On the report, it shows I have not made a single payment all of XXXX and most of XXXX. I have been contacted by capital one numerous times to set up a payment plan or keep my account from defaulting, which I did. I have bank statements that clearly shows payments were being made. 

In XX/XX/XXXX, I set up a payment plan to work down my debt and it was accepted by capital one? They charged off my card while in a payment plan, did not contact me before it was charged off, and when I called after I received the alert, was notified that it was done and there was nothing that could be done but pay the NOW closed credit card debt down.
Product: Credit reporting or other personal consumer reports

This is my official DEMAND that all the reported claims be demonstrated with factual documentation that ensures full truth, accuracy, timeliness, completeness, physical verifiability, and validity. According to relevant state and federal laws, the reporting process must demonstrate the claim ( s ) and comply with the mandatory METRO 2 COMPLIANT FORMAT standard of reporting, regardless of their truthfulness. It is not ethical or legal to assume that unverified claim ( s ) have been lawfully reported, even if they are true and valid in other respects. The ability to collect a debt or claim does not necessarily indicate its ethical and lawful reporting. All entities involved in consumer reporting, especially in cases of delinquency or derogatory information, must adhere to the reporting regulations and standards.

Being the FACT, I DEMAND a document of CERTIFIED COMPLIANCE displaying undoubted PROOF of all claim ( s ), PHYSICALLY VERIFIABLE TRUTH, CORRECTNESS, TIMELINESS, COMPLETENESS, OWNERSHIP OF RESPONSIBILITY, and VALIDITY including ANY STANDARD necessary be it mentioned or NOT! COMPLIANT REPORTING of VALID INFORMATION is NOT OPTIONAL, it IS THE REQUIREMENT. Any claim of negativity NOT meeting this STRICT STANDARD I here now CONTEST its REPORTABILITY and CHALLENGE all involved in its reporting to DEMONSTRATE PHYSICAL PROOF of FACTS and COMPLIANT REPORTING else ERADICATE any and all aspect of claimed delinquency ( ies ) and or derogatoriness ( es ) reporting and inadequately alleged.

The follow currently REPORTING Personal information items are NOT EXACTLY as I above submitted and DOCUMENTED within this notice so CERTIFICATE the VALID and COMPLIANT REPORTING of any claim of related negativity any claim of related negativity associated with ANY ASPECT of personal information reported inadequately as above described. The deficient reported personal information is The follow currently reporting Personal information items that are NOT EXACTLY the same as the above submitted and DOCUMENTED within this notice so CERTIFICATE the VALID and COMPLIANT REPORTING of any claim of related negativity any claim of related negativity associated with ANY ASPECT of personal information reported inadequately as above described. The deficient reported personal information are : REMOVE the display reported Also Known As : ( XXXX ) CLOUD, XXXX, A as my REQUISITE REPORTED CURRENT CORRECT COMPLETE FIRST & LAST NAME is : Your full name : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent XXXX dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have reached out to you guys about some items on my credit that is not mine. There are still a whole lot of inquiries on my report that I don't know anything about and they still showing up and I have not touched my credit. Please remove these inquiries so I can move on with my life and help my family. I have contacted the FTC and the local police. XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX |  XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX/XXXX  | XX/XX/XXXX, XXXX/XXXX  | XX/XX/XXXX, XXXX/XXXX  | XX/XX/XXXX, XXXX/XXXX  | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX/XXXX  | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX/XXXX  | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX  | XX/XX/XXXX, XXXX/XXXX | XX/XX/XXXX, XXXX/XXXX  | XX/XX/XXXX, XXXX/XXXX | XX/XX/XXXX, XXXX
Product: Checking or savings account

On XX/XX/XXXX, I noticed a check was cashed on XX/XX/XXXX in an amount of {$2000.00} to a person whom I do not know nor authorized, and I called USAA to report the check as fraudulent. The disputed check states USAA XXXX XXXX on the check, however there are no records of the person or transaction on my USAA XXXX XXXX portal ( XXXX XXXX  ). 

I received a notice from USAA on XX/XX/XXXX stating they did not see any fraud and I would not be getting my {$2000.00} back. I never received any prior notification from USAA asking for further details to help make a decision on the case. The notice ( attached ) states to call USAA if I would like copies of the documentation or information used to make the decision against me on the disputed charge. 

I called on XX/XX/XXXX asking for the paperwork on the disputed charge and was told I would receive a paper copy in 5-7 business days. 

I then called again on XX/XX/XXXX as I had not received any paperwork. The banking representative added some notes and told me it should arrive by XX/XX/XXXX and call back again if the paperwork did not arrive. 

I called on XX/XX/XXXX again to ask for the documentation of the disputed charge. This time the banking representative told me the case had been closed. The bank representative then suggested I open a new case for the disputed charge of which I resubmitted a new case over the phone for the disputed charge from XX/XX/XXXX and it would take 2-3 business days to review the case. 

I called on XX/XX/XXXX asking for a status update of the fraudulent check case. The bank representative added new notes to the file, submitted another case requesting an update from the fraud department. I was told 3-5 business days to get an answer. 

I called XX/XX/XXXX asking for an update on this fraud case. The bank representative reviewed the notes, saw the numerous requests for further information and he told me my requests have been ignored and he understands my frustration. He resubmitted a high priority ticket which should take 2-3 business days to get an answer via my USAA online account rather than mail. I told the representative that I wanted to appeal the decision as I stand behind the check being fraudulent. 

As of XX/XX/XXXX I still have not received any documentation or requests for more information from USAA on why they ruled against my disputed fraud case.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries 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 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

XXXX XXXX, XXXX My identity was stolen and credit cards in my name was opened at the XXXX XXXX XXXX and other merchants in the area. & purchases were made in XXXX XXXX. XXXX XXXX XXXX was notified over the phone and in writing on XXXX XXXX, XXXX. A XXXX Police report was also sent along with the XXXX XXXX XXXX investigation forms. I received letter dated XXXX XXXX, XXXX, from XXXX XXXX XXXX stating that they completed investigation in my fraud claim and claim has been resolved in my favor. The letter also states that Credit Bureau agencies have been notified to remove this account from my credit profile. 
As of today, my credit report has not been corrected and still shows balance of {$2100.00}. I tired to resolve this matter with both with XXXX XXXX & XXXX XXXX XXXX representative over the phone ( XXXX ) three to four times in last 12month without any success.
Product: Mortgage

I am at the tail end of a short sale with the property. There is a very good cash buyer that has put in a serious offer considering the repair the property needs and we are almost done with the short sale. The  XXXX  lien position has agreed to the value and has submitted their approval letter on the file, however the  XXXX  lien position is stalling and even though we have asked them several times to postponse the foreclosure sale date to allow adequate time to negotiate short sale and allow time for the bank to respond, they have not wanted to postpone the foreclosure sale date. The seller 's family who lives in the home ca n't possibly relocate so quickly. There is a veteran in the home, the seller 's husband who is on   XXXX   XXXX    XXXX . The bank, Chase, has once offered them a {$30000.00} relocation incentive, and now will only offer {$3000.00} but not even sure if they would postpone foreclosure as they are doing everything they can to divert the sale and not provide responses. They have avoided the issue of postponing the foreclosure sale date several times. The sellers are scared, they do n't know where they are going to go, especially with the husband and his  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my XX/XX/XXXX and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX, CA XXXX. Your professional cooperation will be greatly appreciated. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) ; 15 U.S.C 1681, Congressional finding and statement of purpose the credit reporting agencies XXXX, XXXX and Experian as all violated my right to privacy under section ( a ) ( 4 ) with no regard for fairness and impartiality. 

Per 15 U.S.C 6801 ( a ) XXXX, XXXX and Experian violated the laws of Congress by not protecting the publication of my nonpublic personal information. These three agencies all have the obligation to respect the privacy of its consumer and to protect the security and confidentiality of my nonpublic personal information. These instances of negligence as caused harmed to my Family financial well-being. 
Based on 15 U.S.C 6802 ( b ), I will opt out of all financial institution no longer disclosing my nonpublic personal information to XXXX, XXXX and Experian that are all nonaffiliated third parties. My financial institutions never disclosed this to me at any time in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party reporting agencies. 
I should have been given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third parties ; and given an explanation of how I can exercise my rights. 
If the reporting agencies does not intend to ensure my privacy, due to malfeasance. I have the right to seek remedy under 15 U.S.C 1681n, Civil liability for noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Have enclosed a two bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX BEEN LIVING THERE SINCE XX/XX/XXXX THESE ADRESSES ARE MY OLD ADRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX   XXXX , FL XXXX Old number and is no longer mine : XXXX *****MY CORECT NUMBER XXXX CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 

XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Student loan

I have called Earnest they want me to pay {$1200.00} a month which i cant afford. They advised I can pay interest only which is still {$800.00} i advised i cant pay that either i told them to please allow me to pay a reasonable monthly payment and they flat out told me no.. 
i have attempted to contact them several times and they said no i tried to refinance my loans and they wont approve me
Product: Credit reporting or other personal consumer reports

My repeated attempts to resolve the fraudulent inquiries on my consumer report have been unsuccessful. These inquiries are unrelated to me, and I am not responsible for them. Their presence has caused me significant mental and financial strain. As an XXXX XXXX victim, I may need to pursue legal action if this issue isn't properly addressed. These false entries have prevented me from purchasing my dream home and adequately supporting my family, severely impacting my financial health. I've attached a copy of my previous letter to the FTC detailing this issue and requesting resolution.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find that inaccurate accounts suddenly appeared on my credit report. I always check my report carefully, and this has never happened before. I even tried refreshing my browser in case it was a glitch, but the accounts stayed there. I need the documents Ive sent to be checked thoroughly because I dont want to ever deal with this again.
Product: Student loan

My direct loan is in default. Allied Interstate has my loan in collections and I have been making payments for 15 months. All of my payments have been applied to interest, fees & charges while no percentage of my payments have been applied to the principal. Allied is telling me that I can not rehabilitate my loan or ever get it out of default without settling in full. 

1. The guarantor still has my loan. I have repeatedly contacted my servicer and I tried to work out a rehabilitation, but they wo n't work w/ me. Allied Interstate is not operating with my best interest in mind. Why am I not getting other options? 
My loan is federally backed. Allied Interstate could cash this loan out at 100 % with the XXXX and get fully compensated. I could become eligible for an income based program if they did this. 
They could offer me rehabilitation. 

2. In XXXX, I should have been directed to sign a master promissory note of some sort, but where is the form with my signature? I have no record of consolidation. I was not properly informed and I do not remember signing a document for the consolidation that occurred in XXXX. 

3. On XXXX XXXX, I went into default. However, from XXXX XXXX, XXXX ( after rehabilitation ) through XXXX XXXX, I was not provided a new payment value so I had no way of knowing that I had a payment due. I should have been told I owed payment. 

4. In XXXX of XXXX, XXXX held hearings on the mismanagement of student loans. I understand this is a current hot political issue because it has big consequences in the lives of constituents. My creditor is not acting in the interest of me, the customer. XXXX is only applying my payments to interest and fees while my loan remains indefinitely in default. As a result, I can not go back to school, I can not buy a house, and I can not get a loan for a wedding ring while my loan is in default. My life has been crippled. 

.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning, and Im baffled as to why theyre there. I routinely check my report, but this time, there are discrepancies that appeared out of nowhere. I refreshed my browser thinking it might be a temporary glitch, but the unauthorized inquiries remained. I need the documents I've submitted to be reviewed thoroughly so I can stop worrying about this situation.
Product: Credit card

Subject : Misleading Credit Card Promotion by Chase in Partnership with XXXX Description of the issue : I recently encountered a promotional offer for the XXXX XXXX XXXX  credit card by Chase while attempting to book a hotel stay through XXXX website. The promotion stated that I would receive up to {$300.00} in statement credits for XXXX purchases made with the card. The way the offer was presented clearly implied that the credit could be applied toward the stay I was booking. Based on this understanding, I applied for the card and was approved. 

However, after further review, I discovered that the {$300.00} statement credit is only applicable to purchases made after the card is received, which takes 710 business days to arrive. This timeframe made it impossible to use the credit for my immediate reservation. The promotion was misleading and did not disclose this critical limitation upfront, leading me to believe it could be applied immediately. 

As a result, I am now responsible for an annual fee on a credit card I would not have applied for had the terms been properly disclosed. Additionally, closing the card to avoid the fee would negatively impact my credit score. I believe this promotion was deceptive and misrepresented the actual terms of the offer.
Product: Credit reporting

I called the credit bureaus and spoke to the representative. I informed her of wrong alias and addresses on my credit report. This is not my legal name as reported. The rep stated, they had been removed and I will receive an updated copy of my credit. My updated report is still showing the incorrect alias and addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Balance {$9000.00} Account number XXXX Date Opened XX/XX/21 72 Month Term This account is on my XXXX, Experian, and XXXX Report. This account is paid and closed. Please update status on my credit report. Thanks
Product: Debt collection

Debt was paid in full, however the debt collection company is legally adding additional fees to a closed / charge- off account. I was went into an agreement with the debt company for the charge off balance and no additional fees were suppose to be added because this was a no interest and no fee repayment plan. The contract was non-voided when they added these fees. I requested several times with the debt company to waive these and work with Bank of America where the original contract was with to get this resolved and neither company resolved this issue.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} CHILD SUPPORT XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I opened a CD with US Bank with an opening balance of {$20000.00} in XX/XX/2023. I wanted to close the account because I am actively looking at homes and want the funds available to do what I need to do. The term was 19 months and while I understand that I am at fault for breaking the contract but I would never ever believe that a reputable bank like them would take money from my principal. I understand them taking back their interest payment but to take back all their interest payment plus nearly {$500.00} from my principal I believe it a a bit of an overkill and unethical business practice. They profited from my principal for 4 months and they still want to charge a usury fee this time is truly unfair and dishonest business practice by a bank. How can they get away with stealing from customers its almost loan sharking and I believe this is unacceptable behavior. Can you all please help me because this is not fair to customers and who can champion our cause and concerns if not CFPB.