23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was exposed in the XXXX data breach and XXXX  XXXX data breach. I would like for the following accounts to be removed from my XXXX, XXXX and Experian credit report immediately. I would like for the XXXX XXXX  account and XXXX XXXX XXXX XXXX from the following company XXXX XXXX XXXX removed from my XXXX, XXXX and Experian credit reports. I also would like for the following company XXXX XXXX XXXX account to be removed from my XXXX, Experian and XXXX credit report. All three accounts was fraudulently open without my consent.
Product: Credit reporting or other personal consumer reports

Charge offs are considered income and should not be reported on my credit report according to 15 USC 1681 ( 2 ) and IRS publication XXXX. Income is a certificate of indebtedness. The IRS treats the forgiven debt as income. You are in violation of the FCRA.
Product: Mortgage

I have been trying to get a loan modification for the past 5 months. They denied me because they said my income was not sufficient to sustain the payments of XXXX I submitted income showing XXXX  monthly. They also said that I exhausted my modifications. ( MODIFIED IN XXXX ) WITH A PREVIOUS MORTGAGE COMPANY ) MY MORTGAGE WAS SOLD IN XXXX IN WHICH IM ASSUMING THEY CHANGED IT FROM A FHA LOAN TO A CONVENTIONAL LOAN WITHOUT MY KNOWLEDGE. THE COMPANY THAT I AM NOW WITH WHO MY LOAN WAS SOLD TO IN XXXX SAYS THAT I HAVE A CONVENTIONAL MORTGAGE. WAS IT LEGAL FOR THEM TO CHANGE THE LOAN FROM A FHA TO A CONVENTIONAL LOAN.
Product: Credit reporting, credit repair services, 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 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 which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022.
Product: Credit card

In XXXX 2016 I had some fraudulent activity against my credit card. After contacting their fraud department, they attempted to remove the fraudulent activity from my card, but only removed part of it. 
After contacting them a second time, they successfully removed the rest. 
A month later I look at my account only to find out that someone put all the charges back on. 
One of their fraud agents saw they credited the card that was cancelled ( as well as the correct card ) and put the charges back on my current card, essentially putting all the bad charges back on. 
I have spent many hours on the phone, and they acknowledge the mistake, but over the last month and they have only removed part of the charges. 
I have spent over 5 hours on this and they keep telling me they will put someone on it to fix it, but every week, it 's still the same.
Product: Debt collection

I have been trying to get this removed from my credit report as this is not mine. I have requested verification that this is my debt and they continue to send me responses that they have verified my debt but it is not mine. I have sent 5 letters and I do not know what else to do. They can not produce anything with my signature on it and no contract! This is not my account and it is reflecting poorly causing a low credit score and I need help getting this removed from my credit reports
Product: Checking or savings account

I have a fee free account with Suntrust bank. Suntrust and BB & T are now part of TRUIST. 
I just discovered that my account has been being charged a monthly fee of {$20.00} per month that the balance dips below {$3000.00}. 

I have never signed up for this, nor approved such a thing. Additionally, i have never been told of such fees. 

In my opinion this is simple theft. I know my amount is small compared to other complaints, but i need my money as much as anyone else. How many people could this be happening to?
Product: Debt collection

XXXX XXXX XXXX XXXX The debt collector- Gurstel law firm p.c. 

On XXXX XXXX Gurstel Law Firm , P.C . another debt collector contacted me regarding XXXX XXXX XXXX who bought the debt from original creditor XXXX. However I received their letter in XXXX!!! But the letter was date XX/XX/XXXX they gave me until XX/XX/XXXX of XXXX to contact them. 
On XX/XX/XXXX I asked them to send me the original creditor information with their name and address of original lender to verify and make sure is it not a scam. I received the requested information on XXXX XXXX. 
After I received the documents I contacted them a very rude person with heavy accent picked up the phone and asked me to pay the full amount and she said if i have been served yet? I was so confused I said I have never received a summon. And she said you can ask your lawyer to contact us. Thinking something is off I called them the next day and ask one of their representative to send me a copy of their agreement with XXXX XXXX XXXX to show they were indeed hired by the XXXXXXXX XXXX XXXX, as the past year I have been contacted by XXXXo other firms- i have legal document to prove it regrading this debt. She said she will send me and asked me if I was served i told her I have not received a summons. she said they tried to serve me but they could not. I asked her I like to talk to the lawyer who drafted the summon. she responded we are debt collector and there is no lawyer. 
0n XX/XX/XXXX i received a letter from them asking me if I have a lawyer and then contact them with a proposal or option plan. The letter was dated XX/XX/XXXX! the letter also shows a court file with no city or state or any other information regarding the summon- I contacted them on XX/XX/XXXX to come to an agreement, they were unwilling to come to terms with me and the guy who talk to me asked me to call the original representative I spoke with. i called that representative several time and left her a message but she never called me back. on XX/XX/XXXX i called them again and ask for that representative. very strange the keep transferring me to different people who seems to be disguising their voices and finally the original representative picked up the call and said in addition to your debt you have to pay for our court and lawyer fee! i was shocked to say the least and i told her but i have never received a summon nor any information about it and then she with a very rude and impolite attitude said i told you are going to be summon. at that point I hangup because i didn't appreciate the way they were talking to me and it seems they had no interest to resolve the matter and they want me to default on purpose so they can collect a debt that accumulated interest over time where the original creditor already charged it off this company is using scar tactics to collect an old debt that I already paid a price for because it was keep being sold to another company on numerous occasion and this company only want lump sum money and has no intention of resolving the matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Therer was a recent inquiry on my Credit reports inquiring about auto loans from the following companies : - 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. BMO Harris This was very disturbing as I am not aware of any of these enquiries.
Product: Credit reporting or other personal consumer reports

A year ago I received an email that a someone attempted an inquiry for a line of credit. I attempted to dispute it with XXXX. Which is the only credit reporting agency that has this inquiry. They keep sending me to Chase who says they dont have information about it. Now over a year later there is a Chase account on my report as closed. However, I never opened or closed this account. I have XXXX Chase accounts and this account is not one of them. I need to know who opened it so that I can file a police report to get the person arrested and charged. But I cant do that if XXXX and or Chase does not provide me with the application for the line of credit and so forth.
Product: Credit card

A fraudulent Capital One credit card was opened using my social security number. It was opened on XX/XX/year>. A purchase of {$2900.00} was made in XXXX in XXXX, XXXX. The Capital One card is currently maxed out at {$3000.00}. This is affecting my credit score ( I have a limit of {$3000.00} ). 

I called Capital One on XX/XX/year> and they closed the account. However, I am in the process of finding out more information ( like what exactly was purchased, where exactly it was purchased, and if there is a billing address linked to the Capital One card that isn't mine ) in order to file a police report. The police want this information, and it is difficult to receive it since the account is already closed. 

I have put alerts, freezes, and made disputes on XXXX, XXXX, and XXXX.
Product: Mortgage

This is the continuation of the previous case # XXXX XXXX. 
We have the financial explanation from the processors and submit in specific evidence of their inaccuracies the payment of XXXX taxes. XXXX claims they paid the taxes. The city and county placed a lien on the property and without payment were going to foreclose. There were several independent payments made by me to satisfy the lien and stop the foreclosure process. Without forensic financial review capabilities, it is difficult to accurately claim other discrepancies. There is no mention of who at and why XXXX applied an additional {$200000.00} charge on our 2nd mortgage and how much interest they had charged on the {$200000.00}. What are the legal consequences of arbitrarily adding such a large sum of money? This action along with not sufficiently explaining their actions catapulted the mistrust and deciding to hold them accountable for their actions. The reason for bankruptcy is in part due to this continuous deceit from XXXX. Why keep changing the processors and how much of the fees they incurred came from changing processors? 
Their financial representation does not match that of the XXXX city and county tax assessors records. 

Once they removed the {$200000.00} fee wrongfully/illegally to our second mortgage we were supposed to receive information identifying any charges and interest associated with the {$200000.00} and that was going to be applied to a reduction in principle. 
What happens now?
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in resolving inaccuracies related to several charge-off accounts listed on my credit report. These accounts, listed below, continue to be reported with the full balance despite being charged off by the creditors : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX. XXXX & XXXX Account XXXX : XXXX XXXX. XXXX Bank XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX Under **15 U.S.C. 1666b**, **15 U.S.C. 1681i**, and **15 U.S.C. 1681s-2**, creditors and credit reporting agencies are required to report information accurately. I have reason to believe the reporting of these accounts is inaccurate for the following reasons : 1. When a creditor charges off a balance, I understand that I should receive a **1099-C form** indicating that the balance was canceled and must be reported as income. However, I have not received a **1099-C** for any of the accounts listed above.

2. Once a **1099-C** is issued and the balance is considered income, the charged-off amount should not be reflected as an active debt on my credit report. Despite the charge-off, my credit report shows the full balance, which is inconsistent with the cancellation of debt process.

3. Upon reviewing my credit report through **AnnualCreditReport.com**, I discovered these inaccuracies. It appears that creditors continue to report the full balance, which contradicts the nature of a charge-off, as I no longer have access to the credit associated with these accounts.

I respectfully request that the CFPB investigate this matter and assist in correcting these inaccuracies. Specifically, I request that these charge-off accounts be removed from my credit report to reflect the correct status by federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have an account with this company : XXXX XXXX XXXX XXXX. I want it removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX DEAR CREDIT BUREAU , I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND DISCOVERED THE FOLLOWING INFORMATION REGARDING INQUIRIES TO BE IN ERROR. THE FAIR CREDIT REPORTING ACT STATES THAT ONLY THE PERMISSIBLE PURPOSE FOR PULLING A PERSON 'S CREDIT REPORT IS : 1 ) A FIRM OFFER OF CREDIT 2 ) INSURANCE 3 ) AN APPLICATION FOR EMPLOYMENT 4 ) A COURT ORDER The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act : Per 15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT IMMEDIATELY . 
THANK YOU SINCERELY, XXXX XXXX
Product: Checking or savings account

I closed my acct with capital one 360 and a customer rep had to transfer the funds as I couldn't do to the acct being restricted so I had my other acct verified and capital one rep closed and transferred the funds to my other acct and it wasn't received I called the receiving bank to verify and there no records of transfer capital one is telling me it takes 45 days for them to investigate and decide it I get my funds of XXXX and can get a reasonable answer from any of the 20 people I've talked to there
Product: Debt collection

This bill. Was from last summer I am XXXX  and tried to get help with half the bill for XXXX$ from XXXX XXXX XXXX. They will not work with me knowing I am XXXX  the lawyer is a thief I will also contact a lawyer for false info on me. The company does this to all thee lower class people. Associate Credit Services. I will be contacting a lawyer for threats that have been made and not willing to negotiate a deal with a XXXX  XXXX  man
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been compromised for a lifetime due to Equifax 's negligence in handling my information.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i submitted a dispute to the credit bureaus. The investigations were completed and the Credit Bureaus stated that the accounts were properly investigated but how is that possible if the last activity is inaccurate, payment history is inaccurate, remarks are inaccurate, months reviewed are inaccurate, personal information is inaccurate, etc. This is ground for removal. They also violated my rights under 15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

i have not given these accounts ( below ) my written permission to furnish these accounts on my credit report. 

XXXX XXXX account # XXXX. XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX These accounts need be deleted immediately. 

Also update my Personal info. I only have one name ; XXXX XXXX XXXX I only have one address which is my current address. 

I also ordered a copy of my XXXX credit report ( XXXX, XXXX, Equifax ) simply to make sure the accounts were properly investigated. I have came across over 21 violations on my credit report. EVERY violation is circled on the attachments included in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that i did not authorize. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

I have submitted a written letter via Certified mail to Transunion, XXXX, and XXXX to have my name corrected on my credit report as it is incorrect. I also submitted a copy of my Driver 's License and utility bill showing the correct address as requested. This is the 3rd time that I have requested that this be corrected on my credit report. My credit report should show the correct name and address and all incorrect names and addresses need to be removed as they are incorrect. The only name that should be appearing on my credit report is the name on my Driver 's License XXXX XXXX XXXX XXXX name. 
The only address that should be appearing on my credit report is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX no other address should be showing on my credit report as they are incorrect. 
I have received a letter from Transunion with my name once again incorrect and I received a letter from XXXX requesting my Drivers 's License that was already submitted to them and a utility bill that was also submitted to them for the 3rd time.
Product: Debt collection

Hello I looked up and both credit reports for me and my mother. It no longer show 's up at all Why are you trying to collect a debt that was A discharge and B Was so long so that it doesnt even show up. Are you that greedy that you are trying to ruin my chances at buying a house
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS FAIL TO PROPERLY INVESTIGATE ACCOUNTS THERE ARE FRAUD SUMMITED A DISPUTE AND I TOOK 2 DAYS TO SAY THAT THEY VERIFY THE ACCOUNTS IN QUESTION WICH IS CAPITOL ONE, XXXX XXXX WICH XXXX WERE OPEND DO TO IDENTITY THEFT IN WICH I HAVE SUMIT AL PAPERWORK TO XXXX XXXX INCLUDING POLICE REPORT FTCA REPOT AND STILL THE HAVE VIOLATED MY CONSUMER RIGHTS. ACCORDING TO THE FCRA ACT SECTION 609 A 1 A THEY ARE REQUIRE BY FEDARL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION AND I DEMAND THE FOLLOWING ACCOUNT TO BE VERIFIED OR REMOVE IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Case No. XXXX XXXX Filed superior Court of California , County of XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX. XX/XX/XXXX Hunt and Henriques for XXXX credit card loan robo signing of lawsuit and improper notification of court action. promised to reduce pay off amount of loan and then transferred me to another person and refused to keep their commitment because they did n't like me personally. I paid off full amount by selling my home. they liened my home illegally. With the liens I could not refinance to a lower interest rate and afford my payments. I was on XXXX. I was homeless for a long time and that is why it has taken me a while to get this complaint filed. I paid off the debt in full when I sold my home XXXX.
Product: Mortgage

I got behind 1.5 payments with Loancare. Not badly but behind with Loancare. On XX/XX/XXXX I paid {$4400.00} to get current on my loan. I have spoke with them and they told me that is what it would take to get my loan current. I then made another payment to my loan on XX/XX/XXXX. This would of been for XXXX. So XXXX went by and the holidays and a slow XXXX XXXX ( I am in XXXX XXXX ) and I didn't make the payment for XXXX. I then called on XX/XX/XXXX to let them know I have the 2 payments for XXXX and XXXX to get caught up. They then told me I was 7 payments behind and will need {$15000.00} to avoid foreclosure attorneys. I told them I didn't understand and their math is wrong. I sent them all the documents to prove that their math is wrong. They then just kept denying my evidence. would not work with me and are trying to get me to do another 30 year refinance loan where I will have to pay a much higher interest rate, add 5 years to my mortgage and take the {$15000.00} that They say I owe them and add it to the end where that then gets compiled with a ton of interest where I will have to pay off at the end of the loan. I have talked to an attorney and they told me this is common scam in the mortgage industry to get more interest from you. I don't want to take legal action if I don't have to. I truly feel they are just bullying me into paying them a bunch of unnecessary interest. ( it has been since XX/XX/XXXX I have been dealing with this and No one is getting back with me or willing to work with me as I have been calling 3 times a week for over a month )