23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX Chase sent me a letter cancelling the remaining balance on my account, a HELOC. 
The latter stated they would no longer accept payments on the account, and they would release any liens that may be associate with it and my balance will be reduced to {$0.00}. 

The letter also stated I may receive an IRS Form 1099-c Cancellation of Debt for the corresponding tax year, XXXX. I received the 1099-C in XXXX of XXXX for the discharged debt of {$110000.00}. 

My wife and I applied to a bank to refinance our first mortgage to a lower rate, and to take out some cash to pay the anticipated IRS debt and make some repairs. We applied in early XX/XX/XXXX. 

When the title company did a search with the county they discovered that the Chase debt had not been released and is still outstanding. 

As a result of the lien not being released, we are not able to close, however the IRS will want the taxes due because Chase sent them a 1099 C cancellation of debt. 

I contacted Chase on XX/XX/XXXX at XXXX x XXXX and spoke to an XXXX. 
She could not find any record of a lien cancellation and said she would refer it to a supervisor. She advised me to call back the next week. I followed up with calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I finally spoke with a supervisor. A Mr. XXXX XXXX on XX/XX/XXXX. His number is XXXX. 

He was at a loss to explain what has happened to the lien release. His best explanation was the company had thought the lien release was already sent in XXXX ( it was not because they kept contact me for a resolution until early XXXX ), and therefore did not think it was necessary to send another one. He said he would request a lien release be sent on a rush basis. 

As of today I have not received the lien release nor has my title company. The title company has also made several requests. 

I am not able to close on my refinance because Chase has not released the lien like they said they would, and my wife and I are in danger of losing my low rate or having to pay rate extension fees to keep the rate until this gets resolved. 

I also may have a tax liability to the IRS for the 1099 C Cancellation of Debt, on a debt that has not been cancelled.
Product: Bank account or service

I was notified on XXXX/XXXX/2017, that due to me using the overdraft protection that capital one 360 had decided to close my account. At that time. I explained to them that I had a direct deposit coming into the account. They said no worries that as soon as the deposit came in for me to call and they would transfer the balance to my. External account with the credit Union. today is XXXX/XXXX/2017 and I still have not received my money. I call every day and im rudely told that it will be there the next day and as of yet it has not happen. I have been inconvenienced to the highest level. I need my money as I have requested!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following alleged collection account is listed as having a PAST DUE BALANCE of $ XXXX This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. 
According to the Fair credit Reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.
Product: Checking or savings account

Capital One never sent an email to me about their banking system being down. I had to look it up on XXXX and XXXX to see that there was an actual issue. I called this morning and was on hold for more than an hour when originally they said that the wait was only 10 minutes. I have not been able to have access to my direct deposit and I have important things to pay for, such as rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Late Dates XXXX
Product: Payday loan, title loan, or personal loan

Took out a loan from One Main Financial over 3 yrs ago. Still paying on the loan when asked if there was anyway to lesson the payments was told that I could only refinance the loan. Also had issues paying the loan and was only given the option to refinance instead of helping lower monthly payments
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING CREDITOR IS BEING REPORTED BY EQUIFAX ILLEGALLY AGAINST MY RIGHTS AND FCRA. 

CREDITOR : XXXX - ACCOUNT DOES NOT BELONG TO ME. 
ALL CARD DETAILS ARE FALSE. BY LOOKING AT THE TRADELINE, DATES, PAYMENT HISTORY, BALANCE, IT TAKES COMMON-SENSE TO NOTICE THIS IS NOT A VALID ACCOUNT. 

XXXX Account Status Closed Account Type Revolving Account Type Detail Revolving Account Balance {$4900.00} Bureau Code Individual Credit Limit Date Last Active XX/XX/XXXX Date Last Payment XX/XX/XXXX Date Opened XX/XX/XXXX High Credit {$4900.00} Last Reported XX/XX/XXXX Month Term Monthly Payment Past Due {$4900.00} Payment Status Collection/Chargeoff Comments Consumer dispute following resolution. Charged off account. Account closed by credit grantor
Product: Credit reporting or other personal consumer reports

15 U.S. 1681c-2 black of information resigning from I didnt need that ASAP as otherwise provided in this section and consumer reporting agency agency cell Block the reporting of information in the pile of a consumer that the consumer identifies as information that resulted from an alleged I delete that not later than four business days after today every receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ( 2 ) a copy of an identity theft report ( 3 ) that identification of such information by consumer and ( 4 ) a statement by the consumer that the information is not information related to any transaction by the consumer
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX DOB : XX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX, Equifax, and 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 student loans, personal loans, credit cards, and hard inquiries from XXXX XXXX with a balance of {$3400.00}, XXXX XXXX XXXX with a balance of {$210.00}, US Dept of Education with a balance of {$40000.00}, XXXX XXXX XXXX with a balance of {$110.00}, XXXX XXXX with a balance of {$30000.00}. The Hard Inquiries that are on my credit report that should also be removed, blocked, and deleted are a Hard inquiry from XXXX XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Hard inquiry from XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX via Equifax Mortgage requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX requested on XX/XX/XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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: Vehicle loan or lease

I have been a victim of identity theft. This has been an ongoing issue with the creditors along with the credit bureaus that I have worked with them trying to rectify these issues of fraudulent accounts. For over 1 year I have submitted multiple disputes along with providing all required documentation to support my dispute. I have provided the creditor and the credit bureaus with the police report, Official FTC Report, Drivers License, utility bill to support my unprecedented situation of Real Victim Identity Theft. As a result 2 of the 4 fraudulent accounts were removed on two different occasions. Since then has popped back onto my credit report due to the creditor resolving the accounts as fraud, then deleting the accounts after which they are selling the debt to a collection agency which then reports the same fraudulent account back to the credit bureaus and re reporting of each takes place. I have spoke to a multitude of different representatives and supervisors looking for assistance to get these accounts that I have NO ASSOCIATION with removed once and for all. I have been given little assistance with these matters and close to no response back at all at this point. This is ruining not just my credit, but this ongoing issue has ruined my life. Below you can find the account names and opening date and amount! 

XXXX XXXX opened XX/XX/XXXX {$24000.00} XXXX opened XX/XX/XXXX {$31000.00} ( Chase ) XXXX XXXX XXXX opened XX/XX/XXXX {$4400.00}
Product: Debt collection

Today and yesterday I received repeated calls from Wells Fargo dealer service after they have left messages and they continue to call me
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in both the XXXX & Capital One breach of security on XX/XX/XXXX & XX/XX/XXXX. Due to the both breaches my info was compromised & series of inquiries were placed on my report. Unfortunately, the inquiry placed on me were one of the unauthorized inquiry placed on my report.
Product: Debt or credit management

On or about XX/XX/year> I had received another harassing phone call from XXXX XXXX to whom has been advised several times to stop calling my residence due to her discrimination towards XXXX to whom qualified for mortgage assistance outside of Wells Fargo. And make note that to this day Wells Fargo is still using their evil and vindictive XXXX tactics by refusing to except the {$50000.00} Grant towards the mortgage from the state of Pennsylvania
Product: Credit reporting, credit repair services, or other personal consumer reports

Note to Experian : You have my authorization to conduct an investigation into my complaint. 

My name is XXXX XXXX XXXX XXXX. I am submitting this complaint in good faith on behalf of myself and no other individual. 

THERE IS NO UNAUTHORIZED THIRD PARTY INVOLVED WITH THIS COMPLAINT Accounts showing erroneous reporting patterns and unverified within FCRA guidelines. 

XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX. On XX/XX/2021, Experian Information Solutions responded to my CFPB complaint with illogical, erroneous and incoherent account activity. I have attached a copy of such FCRA noncompliant account history to this CFPB complaint 2. On XX/XX/2021, I sent Experian Information Solutions a copy of such noncompliant FCRA reporting errors which I specifically pointed out the gaps in reporting activity or lack thereof. I also pointed out in clearly defined terms of the inability of Experian Information Solutions to provide me with clear proof that they have conducted a thorough investigation into the validity of these three accounts. Such documentation was received by Experian Information Solutions on XX/XX/2021. 
3. Experian Information Solutions responded to my dispute on XX/XX/2021 and by sending me virtually no changes to the reporting of these accounts nor did they follow FCRA guidelines and delete these accounts. 
4. I have attached proof of these reporting errors along with USPS receivable documentation. 

Experian Information Solutions has blatantly disregarded FCRA law multiple times by continuing to report these damaging and erroneous payment activity ; such that is ruining my credibility and ability to attain financial products. Please urge them to follow the law and delete these items from my credit profile.
Product: Vehicle loan or lease

I received my auto loan in 2016 with a interest of XXXX was high especially since I had a good credit score. When I tried to refinance it with also never missing a car payment they rates I was giving were higher. I probably paid over {$7000.00} interest and I also had prepaid for gap insurance and I haven't been contacted about a possible settlement from the recent lawsuit.
Product: Credit reporting or other personal consumer reports

There is an unauthorized account from XXXX XXXX XXXX and XXXX XXXX XXXX Ive never had service with either of these companies and on XX/XX/2023 they reported a collection account in my credit report. This account does not belong to me and is unauthorized. There are also unauthorized inquiries from XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company violated my rights per the Fair Credit Reporting Acts- 15 U.S.C . Secs. 16811681x., 15 U.S.C . Sec. 1601 et seq., Pub. L. No. 108-159, 117 Stat. 1952. I have never conducted business with them. I am not liable for this debt with them and I do not have a contract with them at all. They did not even provide me with the original application like I requested several times ( 5 ) now. I did not give them written permission either to report this to any credit bureau or add to my credit report. All I ever received was a generic email stating that this account has been verified and I asked how? No response ever given due to it being a generic email that they send to all their customers. I even called on yesterday to get this item removed and was told it could not be removed after being on the phone with them for almost 3 hours trying to reach a real person. I was transferred to almost every department in the company instead of the right one I requested, which was the fraud department. I think they use this tactic also just to get the consumer to just hang up and say forget it. This is not right at all to us because some of us are trying to buy a house, a car and even get a job that relies on you having good credit. The account and information is listed below. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 0 % paid off Balance XXXX Balance updated XXXX XXXX XXXX Original balance XXXX Account info Account number XXXX Date opened XXXX XXXX XXXX  Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department
Product: Credit reporting or other personal consumer reports

1 ) Achieve personal loans Acct # XXXX : XXXX disputing and an billing error. This account is not reporting uniform with the other bureaus and there is a billing error based on 15 US 1666B. MUST BE REMOVED 2 ) XXXX XXXX XXXX Account # XXXX XXXX disputing and billing error. 15 US 1666N. MUST BE REMOVED 3 ) XXXX- Account # XXXX Factual disputing and billing error. 15 US account must be removed. 
4 ) XXXX XXXX XXXX XXXX XXXX  - ACCOUNT # XXXX factual disputing and billing error. 15 US 1666B ACCOUNT MUST BE REMOVED. 

I have submitted requests multiple times to XXXX to update my file to be accurate and complete and they continue to ignore my requests and refuse to abide by the law. They claim it is not me requesting my file to be updated. I have sent them proof of my identity but they still have inaccurate information on my file like the accounts above. 


I have attached reports from XXXX, EQUIFAX and XXXX. XXXX has different information. Their report is not accurate, complete or uniform. This is against the law. 

EQUIFAX STILL HAS XXXX XXXXL ON THE CREDIT FILE. THIS ACCOUNT IS NOT ON XXXX OR XXXX AND MUST BE DELETED. I continue to request them to update the file based on factual report and billing errors. They refuse. I need your help holding them accountable.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX and TransUnion credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}.
Product: Mortgage

Problem XXXX : - I called escrow department of change mgmt on XXXX XX/XX/XXXX ( I have recordings ) mentioning my new refinancing company, XXXX XXXX XXXX XXXX ( XXXX ) want Change Management to clear current property taxes from escrow ac - Escrow dept TOLD ME to pay the taxes directly myself to enable refinance and that they will REFUND me balance in Escrow ac - She also made notation in the account that balance in Escrow ac need to be refunded to me- During property tax payments, your escrow officer FAILED to look notes in the account that property tax is already and also validate on county 's website that this years XXXX semi-monthly tax payment was already done -Also Failed to read and act on notes in ac to REFUND me balance in escrow ac as loan was refinanced and taxes were already paid - Change Management escrow team member XXXX XXXX TWICE property taxes - I have escalated multiple times with Change Management, their escalation dept, opened up case on XXXX XXXX for refund of double paid property taxes - i have personaly confirmed from XXXX XXXX XXXX XXXX XXXX XXXX ' that they have already issued and MAILED REFUND CHEQUE to 'corelogic ' on XXXX XXXX, XXXX for the refund of {$9100.00} ( double tax paid ) Problem XXXX : Change Management company during refinance process held the huge amount of refinance of XXXX XXXX and after 21 days refunded stating loan is sold to third party and i was 'forced ' to double interest to this third party for these 21 days to close refinance when i was already paying interest with my new lender XXXX XXXX XXXX XXXX for XXXX 21 days when Change Management was using the funds for these 21 days without returning or even contacting title company and intimating the issue. 

Sequence of Events : - XXXX XXXX XXXX XXXX has obtained payoff from change management in the month of XXXX with XXXX end payoff date - XXXX TITLE company was introduced as title company closing this refinance. 
- XXXX refinanced my loan and FULL PAYOFF was PAID IN FULL to change management on XXXX XXXX, XXXX - on XXXX XXXX, XXXX i.e., after 17 days, change management refunded money to title company for short of app XXXX dollars Change Management USED XXXX ( XXXX XXXX ) for 17 days without information to title company - As per title company, per law if funds were not accepted, they needed to be refunded to title company within XXXX hours - Title company then would have resolved the case within next XXXX hours. 
- Me or title company were NOT sent any email about new loan provider by change management
Product: Credit reporting or other personal consumer reports

My repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These false entries have seriously disrupted my life, resulting in considerable stress and XXXX  As a victim of identity theft, I never authorized this information to be associated with my name.
Product: Credit reporting or other personal consumer reports

these are the list one wrong addresses and names that are not my
Product: Credit reporting or other personal consumer reports

Please delete these fraudulent accounts from my credit report. These have already been deleted by the other reporting agencies and need to be deleted by you also under the law. I have included the identity theft report, and updated bill, and my ID and passport. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Please delete these fraudulent inquiries . 

XXXX XXXX XX/XX/XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I had a notice in the mail from XXXX in regards of my credit application which I had got denied for due to the inaccuracy on my consumer report. I didn't give any one written or oral consent to furnish anything on my consumer report without my knowledge, before taking any adverse action based on the whole report, the person intending to take such adverse action shall provide to me as the consumer a copy of that report. My consumer rights have been violated through deceptive practices. Consumer reporting agencies is supposed to exercise their grave responsibilities with fairness, impartially, and respect for the consumer.
Product: Credit card or prepaid card

I have been a member of the diamond preferred Citi Mastercard for XXXX years, I have a XXXX XXXX of XXXX and have always been in good standing with Citi Mastercard. On XX/XX/XXXX I discovered that Citi XXXX had increased my XXXX XXXX XXXX which I have had for over XXXX to a XXXX XXXX  XXXX without notifying me by email, text, phone or XXXX mail of XXXX increase in XXXX and why there was an increase. After contacting the customer service number provided numerous times, the only explanation I received was that all Citi credit card customers XXXX was increased, and the XXXX XXXX increase to my XXXX was applied XX/XX/XXXX ( without contacting me and without my knowledge ). Unsatisfied with the answer from their customer service dept. somewhere in XXXX, I called again to the only numbers available to me and my calls were never answered ( almost like they did not want to talk to me because they had no credible answer to my question ). I am unable to talk to a representative in the XXXX. My real question IS THIS LEGAL?? Due to the dishonest practice and terrible customer service I received from Citi Mastercard I paid my {$4300.00} balance and closed my account on XX/XX/XXXX. For a XXXX yr customer of Citi Mastercard always in good standing the treatment I received left me to think how other customers were being treated. I also have XXXX other credit cards with different banks and companies and none of them have increased my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or the ridiculous amount of XXXX XXXX from XXXX month to another and if they were to increase my XXXX I am sure I would get an email, phone call, text or letter in the mail explaining WHEN and WHY their was an increase. Very bad banking practices by Citi Mastercard. 

Thank You, XXXX XXXX ( XXXX last XXXX digits of CC ) XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX