23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

*PLEASE HELP, ASC/WFHM HAS SET A SALE DATE FOR OUR FAMILY HOME FOR XXXX XXXX, XXXX I am writing to you today to request that you open a case on our behalf because America 's Servicing Company ( ASC ) /Wells Fargo Home Mortgage ( WFHM ) is stating that we are not eligible for the XXXX XXXX program XXXX which is not correct. The ASC/WFHM re-entry team is stating that we are not eligible for any XXXX XXXX program and are refusing to process our XXXX XXXX Request for Mortgage Assistance ( RMA ) even though we have never been reviewed for XXXX XXXX XXXX XXXX. We have escalated this also to the XXXX Escalations Team where they have also requested postponement of the scheduled foreclosure sale to allow for a valid and compliant XXXX XXXX XXXX XXXX review, if eligible ; ASC/WFHM is stating that they will get the requested information over to XXXX Escalations by XXXX XXXX, XXXX, which does not allow for much foreclosure prevention planning. 

In the past, we received a TPP under XXXX XXXX XXXX XXXX but due to an IRS lien that was subordinated ( but not in the clerical manner that was acceptable to ASC/WFHM ), we have been forced to reapply for mortgage assistance even though we successfully completed a TPP under XXXX XXXX XXXX XXXX. We have never been review for XXXX XXXX XXXX XXXX. 

Please help us to obtain a fair XXXX XXXX XXXX review that follows all XXXX guidelines. We were denied the opportunity to go through a XXXX XXXX XXXX XXXX review in XXXX XXXX due to some bizarre documentation excuse ; XXXX stated that they could not verify my wife 's income but they requested our XXXX tax return, XXXX 's XXXX XXXX 's and XXXX 's XXXX pay stubs ( per the attached timelines ), which would not match since they cover XXXX separate years ( not XXXX clarifying document was requested to include our XXXX tax return available prior to the denial ). As of XXXX XXXX, my wife XXXX XXXX now has new, full time and verifiable employment income warranting a new review due to a change in circumstance or income ( see attached offer letter ). 

I am confident that we are eligible for the XXXX XXXX XXXX XXXX review and I plead with you to assist us in clearing a pathway for a fair and compliant XXXX XXXX review. Thank you in advance for your assistance and my contact information is below if you would like to call me to confirm the details. 

XXXX of my goals is to get this loan modification in place to provide the stability of a home for my family and remove this lingering threat of foreclosure before XXXX. My son, XXXX is going into his senior year in high school and my other son, XXXX is entering high school as a freshman. If we lose this house, the opportunities to remain in our school district are slim. We want them to graduate with the friends they grew up with and we would be more than appreciative to have that opportunity. 

Thank you!
Product: Debt collection

In XX/XX/2022, I reviewed my Credit Report. On my Credit Report it shows that I have a XXXX medical collections with XXXX XXXX XXXX. I do not recognize this medical debt and wrote them a Debt Validation Letter ( attached with the date that it was mailed ). 

I received a response from the Stern Recovery Services , inc formerly known as Stern & Associates that they could not find my account without the last 6 digits of the account. This information is not necessary since I have lived at the same address for 7+ years and provide the balance, when the account was opened, and that this was medical debt on the debt validation. They also implored that the last 6 digits can be found on the credit report, but this is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I wrote to XXXX, Transunion and XXXX. Requesting an investigation into items that I know is INNACCURATE. To this date, I have not received a reply or any acknowledgment that an investigation has begun. I feel like I am being look past and ignored.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I have been a victim of identity theft. I have already filed a complaint with the Federal Trade Commission ( FTC ), under the provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which protect consumers from fraudulent activities and inaccurate information on their credit reports. 

As a result of this identity theft, my credit report contains several negative and inaccurate accounts that do not belong to me. Under 15 U.S. Code 1681c-2 ( FCRA ), I request that these fraudulent and inaccurate accounts be blocked, deleted, or updated accordingly. This law allows victims of identity theft to request the removal of fraudulent information from their credit reports once they have submitted proof of identity theft, such as an FTC Identity Theft Report, which I am happy to provide.

Furthermore, I invoke my rights under the Fair Credit Billing Act ( FCBA ), which entitles me to dispute incorrect charges and have them removed from my credit file. 

Please take prompt action in ensuring that these fraudulent and inaccurate accounts are corrected or removed from my credit report. If you need any additional documentation, I am more than willing to provide it. 

Thank you for your time and assistance in this urgent matter.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of accounts and inquiries associated with my name that were fraudulently opened or incurred as a result of identity theft. My personal information was compromised in a data breach, leading to unauthorized activities on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent accounts and inquiries blocked and removed from my credit report. 
The following accounts are fraudulent and should be deleted from my file : XXXX. XXXX XXXX Account XXXX : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$00.00} XXXX. XXXX XXXXXXXX XXXX Account XXXX : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$670.00} XXXX. XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$560.00} Additionally, the following credit inquiry was not authorized and must be removed : XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Debt collection

Received a voicemail from southwest mediation service regarding a civil action suit against me on XX/XX/XXXX, called them back immediately and they stated that i owed them money for a magazine subscription service from XXXX which they claimed was largely unpaid. I never signed up nor received any magazines from anyone or anywhere during that time. They stated that i would have to pay a larger sum of money if i did not settle the civil action suit against me today. When asked to speak to a higher up they stated that we could not speak to a higher up and when asked about the company address and other information so i could verify the legitimacy of the civil action suit they stated that they could not give out that information. On the XXXX XXXX XXXX website, they have a XXXX XXXX XXXX, When on the call with the company i asked them to send me an email regarding the civil suit and the XXXX XXXX listed on the email i received was not the same as the one listed on the XXXX  website. The individual who i spoke to was highly unprofessional and used vulgar/inappropriate language. They claimed to be someone named XXXX and said they were the only person we could talk to. However on the XXXX site, there's several names mentioned and none of which XXXX, They claimed to be the only " Mediator '' that worked for the company and that the only other worker was the front desk secretary. When further asked regarding the legitimacy of the civil suit, they stopped responding altogether and began breathing heavily. The business 's XXXX XXXX are located in Nevada however there is no registered company in the state of Nevada with the name stated above. The " Mediator '' also refused to show the contract i supposedly breached and claimed i would only get to see it if it went to the courts and/or " Legal '' as the " Mediator '' referred to it.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding unresolved inaccuracies on my credit report with Experian. Despite my previous disputes, Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of the disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 



The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed inaccurate information from my credit report despite my formal disputes. 



I kindly request that the CFPB investigate this matter and take appropriate action to ensure Experian complies with its legal obligations. Please let me know if you need any additional information or documentation to support my claim. 



Thank you for your attention to this matter. I look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every Experian and XXXX credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX NA XXXX Date opened XX/XX/2017 Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have sent a certified to Experian about the inaccurate information they are reporting on my consumer report. I even sent copies of my consumer report to show what inaccurate information they are furnishing. The first letter I sent to Experian was XXXX XXXX the information came back verified, another letter was sent on XXXX XXXX. I asked Experian to furnish the procedure of how the account was verified, I asked them to mail me a corrected copy of my consumer report. ( They did not send anything as I had requested ) Experian sent an email, and that's not what I requested, I saw the email three weeks later because I was not expecting an email concerning these accounts. The problem is Experian is reporting two XXXX XXXX accounts, one with an account number and the other one without an account number just XXXX, and sometimes the account number starts with XXXX. The amount on both accounts {$9300.00}, date opened is XXXX XXXX, The credit limit {$10000.00}, both are credit cards, Status updated XX/XX/XXXX for both accounts. The difference is how they are reporting the Payment History, the account that starts with XXXX and sometimes appears with just XXXX. Payment History : XX/XX/XXXX Data Unavailable, XX/XX/XXXX account 30 days late, Balance updated : XXXX XXXX. The other account starting with XXXX has the Payment History : XX/XX/XXXX account 30 days late, XX/XX/XXXX account 60 days late. This account the Balance updated XX/XX/XXXX. This information is inaccurate and I have requested that they investigate every piece of information concerning this account and it has not been done. I have enclosed a copy of letter I mailed to Experian and my consumer report also. This information is only about the XXXX XXXX accounts listed on my consumer report.
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal information.

You are violating my rights and this is direct violation of the fair credit reporting act 1681 A accuracy and fairness credit reporting the following addresses are not accurate or fair to me because they are NOT ACCURATE!!!!!!

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all inaccurate nonmailable and unrecognizable addresses from my consumer credit report.

Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these addresses and update the address with the one above. I have never lived at these addresses Pursuant to 15 usc 1681 ( a ) Accuracy and Fairness of Credit Reporting XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

Received notifications of a fraudulent hard inquiry on XXXX on XX/XX/XXXX. I Contacted Truist Bank phone numbers in XXXX XXXX utilized for the inquiries. Left XXXX voice messages. I definitely believe that Truist is negligent for not returning any of these calls. They obviously dont care and customer service at branch level definitely does not care. Received fraudulent Truist credit card in the mail XXXX week later on XX/XX/XXXX. Immediately called the fraud number on the credit card. Customer service in phillipines opened investigation. XXXX at Truist noted that the accounts needed to be investigated and provided a case reference number. He provided a phone number for further discussions. on XX/XX/XXXX, I called that number and it didnt work. I found another Truist number and spoke to XXXX XXXX XXXX XXXX call center ) infomed me that she shut down the online banking, checking, debit card and credit card accounts. She also put the Truist fraud alert on the accounts. Next day, a yellow notice in my mailbox with a fraudulent vacation hold on my mail. Opened XXXX investigation. Had fraudulent mail hold taken off and received a print out with the notification that had a XXXX area code phone number. XXXX is XXXX. I live in XXXX. Then the next day after I received a fraudulent XXXX informed delivery letter. I went online to declare that the XXXX informed delivery account was fraudulent. Then I set up a correct XXXX informed delivery account with my email address. On XX/XX/XXXX, I received a letter from Truist of a decline for a fraudulent personal loan application of {$30000.00} in XXXX. I have called Truist XXXX times regarding this fraud. Spoke to XXXX Truist employees. Both have suggested I speak to XXXX XXXX at XXXX. I have called XXXX XXXX times and left multiple voice messages. She has negligently refused to call me back. I think there could be a larger bank fraud here because XXXX XXXX is the banker that worked on the personal loan is no longer with the bank and the XXXX people that I talked were very clear that I need to talk to XXXX regarding any XXXX activities. Truist is TERRIBLE for obtaining information. They could not tell me how any of the fraudulent accounts were set up. Totally worthless. My guess is that true criminals understand how poor the policies are at Truist bank and their general negligence and take advantage of how bad they are or Truist could have employees that are in on the fraud. They refuse to properly communicate so Im not certain.
Product: Credit reporting or other personal consumer reports

I discovered that my social security number ( and more ) is on the dark web due to the Equifax breach. How can I protect my personal info now? This breach has destroyed any faith I had in any computerized system and has caused me much anguish.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint over some accounts that I have on my credit file that need to be properly updated and removed from my credit report. Please delete/remove XXXX XXXXXXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I have already filed a CFPB complaint against these companies and the account were not accurate or valid.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, XXXX used an intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. XXXX reported to my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Product: Checking or savings account

I have had an account with Citibank in New York for the last 8 years. At the beginning of this year ( 2021 ) my login information no longer worked and the login page told me to call customer service. I have called to resolve the issue at 8 different times over two weeks. Every time I am told to call another number. So far I have been given : XXXX, XXXX, XXXX, XXXX. Every time I call and identify myself I am being told another department has to handle the issue. I am being put on hold that lasts for up to 30 minutes at which point the call disconnects. An online chatbot also tells me to call one of the above phone numbers. 
I can not get access to my account online or on the mobile app. I am not being told why there is a hold on the account. I am locked out of my funds and I can not make any transfers. Citi has stonewalled any attempt to talk to them or have this resolved, while they are holding on to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges. CFPB, I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX
Product: Credit card or prepaid card

In XXXX 2017, I have signed up for a American Express XXXX cards with the promotion to award XXXX XXXX XXXX reward points after I reach the spending limit of {$3000.00} which I did. I have confirmed multiple times with American Express customer representatives regarding this welcome reward point during and after my application. All those American Express customer representatives have promised and confirmed with me on the recorded line that I should be awarded with those XXXX points after I reached the spending limits which I did. With such promise and conditions, I was convinced and applied for this card with {$95.00} annual fee. Unfortunately, most recently they told me that there was a fine print terms in the application contract that those reward points will not be given to me since I had the similar card before. First, I do n't remember I had similar card before. Second, I did not remember I saw such fine print terms in my application form. Therefore, I believe this is a very unethical and wrong business practice conducted by American Express. I am urging American Express honor that they have promised to customers and correct their wrong doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my TransUnion report there is a late payment being reported by XXXX XXXX XXXX XXXX for a car payment..this is incorrect..I have never missed a payment..I spoke with the bank and was told to contact TransUnion about this issue ... I believe there was some confusion when my car got paid off by my insurance and Gap insurance.. none the less I have never missed a payment and would like for this issue to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, Complaint # XXXX, with your company XXXX XXXX  and sent the same information to Experian, XXXX and XXXX. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX is still reporting this fraudulent information to my Experian Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to XXXX, which explains your responsibilities when reporting information to the CRAs.