23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I Request for Documents and Forensic Audit for XXXX  XXXX XXXX XXXX I have XXXX title by law. 

I am writing to request specific documents and a forensic audit regarding my mortgage and vehicle loan accounts, which were previously written off by Navy Federal Credit Union. These accounts are held in the name of XXXX XXXX XXXX XXXX XXXX XXXX. 

I am requesting the following documents : 1. A copy of the original contract with signatures of all parties involved.

2. A copy of the 1099-C form, which was not provided to me previously.

3. All ledgers and securities related to the account, including any documents showing the equity title. ALL Account transactions. 

Furthermore, I am requesting a forensic audit of my mortgage and vehicle loan accounts to ensure that all transactions were properly recorded and accounted for. This audit should include a review of all documents, records, and communications related to these accounts and financial transactions.

Pursuant to the Freedom of Information Act ( FOIA ), I am requesting that you provide me with all documents and information related to my accounts, including any documents that may be considered confidential or proprietary. 

Additionally, I am requesting information about the collateral provided by NAVY FEDERAL CREDIT UNION that was provided to secure these loans, including a copy of the original documents and the check. Any Treasury or Federal Reserve Please provide the requested documents and complete the forensic audit within 14 days of receipt of this letter. If you are unable to provide the requested documents or complete the audit within this timeframe, please provide a written explanation for the delay and an estimated completion date. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX, XXXX XXXX Without Recourse Reserving all equity title and Benefits Beneficiary XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Kindly remove and block the incorrect accounts reported on my credit file. This needs to be addressed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several complaints and sent in all requested information to this company and they still are reporting inaccurate information on my credit reports! This company is using an inaccurate social security number on these alleged medical bills. Transfinancial Companies has continued to report the accounts in the amounts of {$940.00} and {$330.00}. This is outrageous that this company has been allowed to continue to deface my credit report with incorrect information. This is against FCRA rules and regulations and should be removed immediately.
Product: Credit reporting or other personal consumer reports

I have provided a FTC affidavit and put this company on notice and this company admitted in the resolution they sent that they some inconsistencies on their reporting on the consumer report then in the next line state they found no error this is a violation and admission of damage and fault to my estate. I demand this account be removed immediately. I am a victim of identity theft and this company has open admitted to giving false and inaccurate information to all three credit bureau. This is security fraud Wellsfargo is doing. I have already been contacted with local lawyer about each consumer violations and im thinking about hiring them if this is not fixed immediately. I have put wellsfargo on notice. This company stated multiple lies and inconsistencies but the fcra says a report must be 100 % accurate but this company has failed in doing so. Plus a certificate of indebtedness as this company has admitted should never be reported to the credit bureau because it would be income but the real facts in the matter is this company is admitting to violating my consumer rights and participating in identity and security fraud. I as for the account to be remove/blocked/deleted not for this company to update their already wrong and inconsistent reporting which is a violation of my consumer protected rights. I have included this companies response to the first complaint In this complaint this will make two times I have put this company on notice for the record
Product: Debt collection

I did n't know these were not paid unti after they were in collections I do not recall the dates of service and the bills may have been included in a bankruptcy filing. I tried to set up payment and received on letter then no more communication. Left more than XXXX message.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax fail to unfreeze my credit report after I have sent verification of my identity
Product: Credit reporting

I sent my info to the XXXX credit bureau and they havent clear my name and my score. First i dont have a middle and second they haven t fix it. Cause of the i cant get approve in me buying a house..
Product: Credit card

My information ( Credit ) has been breached and stolen. I am not aware of most the debts looking to be paid or owed money to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT SEVERAL LETTERS TO XXXX DISPUTING THE VALIDITY OF THE XXXX  THEY ARE REPORTING ON MY CONSUMER FILE AND REPORTING TO OTHER XXXX AND XXXX. THEY KEEP SENDING GENERIC LETTERS BUT NO PROOF OF THE VERFICIATION. THIS IS MAKING TO DIFFCULT FOR ME TO PURCHASE A HOME AND CAUSING ME TO PAY XXXX MORE IN INTEREST EVERY YEAR. 
THIS ITEM NEEDS TO BE DELETED FROM MY CREDIT REPORT IF IT CAN NOT BE VERIFIED WITHIN 30 DAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the inaccurate accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico 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 transunion 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 XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 Transunion more than 21 times. transunion 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 PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Checking or savings account

This is in relation to a dispute that is open currently. That dispute is XXXX. 
Dispute # XXXX is because Chime will not let me access my account. I continue to submit the ID verifications when they request them and they continue to deny me access to my account. I can not access the checking or savings account because of the inability to log in to my account. 

This relates because of another problem being caused by this inability to log in to my account. I had sent a payment to a non Chime customer email address. The employee who was to receive the payment for shop expenses can not receive the payment from me. They have contacted Chime support over thirty times asking for someone from the support staff to assist them with the accepting of the funds I sent, however Chime is apparently just sending the same email in response over and over again. No one at Chime is actually providing support, just the same, irrelavant, computer generated message over and over. 

This is a problem and has put me in a major bind. The expenses that were to be received for the shop can not be received and no support is being provided/ At the same time I can not cancel the funds transfer because I am not being allowed to login to my own account. 

So here are funds in the amount of {$190.00} that are very necessary to keep my business up and running that Chime has essentially high jacked. The shop can not receive it and I can not access my account. They are disrupting business and my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX  XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX   XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX-XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts thats showing in my soft credit report when it was pulled and it is showing that it is open. But wen I called all XXXX credit bureau they said its showing on there end as closed and or charged off in full. Im requesting to get my report cleared and off my credit report so I can get ahead in life and make a future. I contacted the company but no responses. Im requesting to clear all open accounts thats suppose to be closed cleared and off my credit report. I will attach attach credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX WY XXXX GA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Paid Account from Credit Report Dear XXXX, I am writing to request the removal of an account from my credit report that has been paid in full as agreed. 
Account Information : Account Number : XXXX Creditor Name : XXXX XXXX XXXX Date Paid : [ Date of Payment ] This account was settled in accordance with our agreement, and I believe it is in my best interest, as well as the accuracy of my credit report, for this account to be removed. 
According to the Fair Credit Reporting Act, I request that you review my file and update it accordingly. I have attached copies of relevant documentation, including proof of payment, for your reference. 
Please let me know if you require any additional information to process this request. I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the credit bureausmultiple times asking to have the incorrect addresses removed from my credit report as well as a fraudulent collection account and they have not responded to any of my letters. They have not updated my credit report either. I last sent a letter XX/XX/XXXX. I need help with getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, I submitted a letter asking Experian and XXXX, to remove the accounts that were identified as a result of identity theft. 

They responded with a letter that verified all of the accounts. How can you verify accounts that are result of identity theft? 

on XX/XX/2021, I filed my FTC report to identify items that are reporting on my credit file as a result of identity theft. 

Experian has blocked me out of using the online function of view the completed disputed, and disputing through the online function. But they also verified the accounts again. 

Experian and XXXX, has been operating in violation of the consumer rights because the accounts that were listed on the FTC report should have been blocked from my credit file in 5 business days. I have submitted numerous disputes identifying the errors in their system in regards to the accounts listed and yet the accounts still remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had ONE late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX Secured credit card with account # XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 
Thanks, XXXX XXXX
Product: Mortgage

My loan was originated XXXX XXXX, 2006 with XXXX XXXX XXXXXXXX Lender. The interest rate at that time was 8.5 % on an adjustable rate mortgage which I expressed was high but the Loan Officer with XXXX Mortgage assured me he would refinance the loan in 6 months to a fixed rate. Well to no avail, I 've been trying since 2006 to get help with this loan because the interest rate is now 11.13 % which is totally ridiculous. This Loan Officer also falsified information on this loan as well. He stated this home was my primary residence which he knew it was n't since I live in XXXX and the home is located in XXXX where my Sister resides and has ownership interest in the home. I simply want the interest rate lowered so the payment is affordable. I 've applied numerous times for a loan modification and been denied for so many different reasons including, it 's not your primary residence, you make too much money, now I 'm unemployed the excuse is my credit score is too low and the income provided is n't enough which was a rental income option Di-Tech suggested and still turned me down. These companies play the paper game and have no intentions of helping the consumer. I have yet to know who the actual note holder is. XXXX XXXX XXXX denies being the owner, as well as Bank XXXX who XXXX said they sold it to. This home is probably worth $ XXXX if that with a monthly payment of almost {$900.00}. I have several entries on my credit report stating I 'm in the arrears over $ XXXX and have a balance of over $ XXXX being reported by Di-Tech and other Loan Servicers in the past. I need help so badly with getting this loan resolved. It 's ruin my credit and caused so much stress. Any help you can offer would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, I apologize if I have submitted the wrong form. I am not sure if this is a credit card issue or bank account issue. 

I recently applied for a credit card with Bank of America ( " BOA '' ) and was approved immediately. I had a dormant BOA account with a minimal balance ( under {$20.00} ) that I hadn't used in years and just forgot about. When I logged into my BOA account to check my credit card balance, I noticed that my dormant BOA account had a negative balance. BOA started charging me a monthly maintenance fee since I applied for the card. BOA had not been charging a fee during the dormant period. 

I spoke to BOA credit card today and they have no clue how this happened. They spoke to the deposit department who said I needed to bring the account current and then the account could be closed and the fee would stop. The BOA credit card representative said the credit card would reimburse whatever I had to pay to become current. 

The reactivation of my dormant account upon receiving a credit card was never disclosed to me. The credit card department said this should not have occurred. This seems like a sneaky XXXX XXXX like trick on consumers.
Product: Prepaid card

Paypal limited/froze my account on XXXX XXXX, 2015 for reasons that have not been revealed to me. They stated they would release my remaining funds {$280.00} within 180 days. To date, they have not released my funds despite numerous emails that have gone unanswered.
Product: Checking or savings account

Greetings, I recently opened a bank checking and savings account with First tech federal credit union and within XXXX days had account frozen. My cash balance in accounts are unavailable and I couldnt afford to buy food. 

I sent email and called twice to verify Im the account holder but they have continued to extend timeframe for account freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX  XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues ro report information that id fradugelent on my credit reports. I have provided police reports as well as an identity report & I see the same accounts remaining on my report. These accounts are not mine from XXXX XXXX, XXXX, or XXXX, XXXX, XXXX XXXX XXXX. There are also variations and incorrect names listed. My name is XXXX XXXX there should not be any other names listed. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, NC or XXXX XXXX XXXX XXXX, NC XXXX. There are also inquiries that I did not apply for anything or give any company my verbal or written permission to look at my credit for these companies XXXX XXXX XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, GXXXX 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: Mortgage

I had started the loan process with Amerisave after XXXX could not accept us trying to buy a stateside house while living and working overseas. We had gone through all the motions and was told that we would have to claim the house as a XXXX home which was not an issue. All documentation had been submitted and underwriting is being completely difficult. My wife and I are residents of Ohio. I enlisted in the XXXX XXXX in XXXX XXXX. I got out in XXXX XXXX. I currently work for XXXX out in XXXX, XXXX and my wife is a XXXX. Her job covers the housing and technically we do not pay rent out of pocket. I 'm not sure what is so hard to understand about that. That 's not the real issue though. It came about that the underwriter can not accept my Ohio address as a real address. I do NOT understand why, I lived there for 10+ years even before going into the military. They ca n't give me a clear explanation as to why they will not accept it. I have claimed Ohio State taxes for multiple years at the same address. It is frustrating that I 've paid the appraisal fee and not I 'm hanging on a limb wondering why an address can not be accepted to start closing the loan. Upsetting.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ADDRESS ON MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that XXXX Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX