23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I noticed collections accounts on my credit starting in XX/XX/XXXX. Since then I have been consistently a target of identity theft in states that I have never even visited. I've requested investigations into these and disputed the collections in XXXX, XXXX, XXXX and XX/XX/XXXX. I placed a fraud alert on my account at this time. The collections started up again in XXXX, XXXX, and XX/XX/XXXX. It was during this time I discovered one of the collections did not even use the correct spelling of my name. At that time I then discovered personal information that was incorrect and fraudulent was added to my credit report - addresses I have never lived at, phone numbers that didn't belong to me, and misspellings of my name as well as a huge number of inquiries. I called and had this removed but it took 30 days to remove even though I'd had a fraud alert placed. At this time I placed a 7 year extended fraud alert. I then found more collections dated in XX/XX/XXXX and another collections placed in XX/XX/XXXX. I do not understand how after the placement of these fraud alerts that I am still dealing with this. How are these companies allowed to check my credit with fraudulent information and process these through? Each bureau has a " credit lock '' option that costs {$24.00} a MONTH. So because my information was sotlen and theses buereaus are incompetent - I have to pay {$75.00} a MONTH to protect myself? So they are not incentivized to ensure I am protected. They are very likely selling my information to ensure they line their own pockets through fake monitoring.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a complaint # XXXX with CFPB as follows : ( QUOTE ) I am in the process of obtaining a residential mortgage. On XX/XX/2020 I attempted to unfreeze my Equifax credit history via myequifax.com. I had called Equifax earlier that day for assistance and was advised by their XXXX call center to us myequifax.com to obtain my credit report and to unfreeze my history. I was unable to access the website which displayed a phone number to call. I called the number and the person I spoke with advised me to fax my passport and drivers license with a cover letter to XXXX which I did on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Equifax advising I needed to submit copies of my passport and drivers license to verify my identity. I called the XXXX call center who verified receipt of my fax on XX/XX/XXXX and that my identity was confirmed. The representative offered to unfreeze my credit history which I declined instead requested assistance to access myequifax.com. He transferred me to the help desk which I was on hold for over four hours without result. On XX/XX/XXXX I called Equifax at XXXX when they opened and spoke to XXXX who said he was a supervisor in the XXXX call center. He advised they were unable to verify my drivers license copy and that I would need to resubmit my documents. I should note that when I tried to fax on XX/XX/XXXX it took hours as their fax line wasn't working correctly. At this point I am hopeful the CFPB can lend assistance as it appears Equifax is running me through a gauntlet as a punitive measure because I have a security freeze. Thank you for any assistance. ( UNQUOTE ) On XX/XX/2020 Equifax reported via the CFPB portal that their investigation was completed and that they had temporarily lifted by security freeze and that I would be able to access my credit history via myequifax.com. On XX/XX/2020 I attempted to login to myequifax.com and again was unable to access the website which still displayed the Equifax XXXX call center phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

1- I went into my local branch of TD Bank at XXXX XXXX  XXXX XXXX XXXX Ma XXXX and asked if there was a loan program that I could borrow {$500.00} to help build my credit. The bank manager,  XXXX XXXX, took an application-when I got outside I saw the amount was for $ XXXX-I went back inside and questioned that and was told - '' oh don't worry it was for {$500.00}. ( XX/XX/XXXX ) I do know that the Subscriber Code number of the loan is XXXX and the TNAL CPM number is XXXX ( whatever that means ) 2. I went back the next day and asked for a copy of the loan application from XXXX and was told once the application is sent over the internet she could not get it. 
3. I called customer service XXXX XXXX XXXX on XX/XX/XXXX and asked them if that was true and they did not know but told me the minimum for a loan was {$5000.00}! I was very upset because if I had know this ( and the bank Manager should have known never to take an application in the minimum to ask for was {$5000.00} ) I would have never applied! ) Now of course this was denied as I was asking for {$500.00} - plus she requested {$1200.00} -- -which she won't show me! Customer service sent me a form -- Consumer Credit Report Report Form as I wanted to dispute the fact that a hard copy of my credit report should have never been requested as it lowered my credit score by 8 valuable points as the loan should have never been taken as I was given totally incorrect information. 
4. I sent the report out to TD Bank XXXX XXXX XXXX XXXX ME XXXX ( I have a copy ) on XX/XX/XXXX. 
5. I hadn't heard from them by mid XX/XX/XXXX and for some reason I received a random email from TD Bank asking me how I like TD Bank ... so I explained 1-4 above! 
6. Within a few weeks, I received a phone call from a Miss XXXX XXXX, who never gave me her professional title, but told me she was in charge of many banks in my area and would get to the bottom of this. Her phone # XXXX email XXXX and the only address I have is c/o TD Bank c/o XXXX XXXX, XXXX MA XXXX XXXX. On or about XX/XX/XXXX Ms. XXXX called me and stated on of her workers had sent a letter to XXXX - stating that there was a misunderstanding at TD Bank and the loan applications should not have been taken and could they fix my credit report and remove their hard inquiry. 
8. On XX/XX/XXXX, I called XXXX XXXX ( XXXX XXXX XXXX XXXX TX XXXX ) and asked if they received the letter from TD Bank or is it at least pending? The rep checked and informed me they have not received any letter in the past 60 days The rep informed me the best way to do anything was for me to ask TD Bank for a copy of that letter and for me to dispute thru XXXX and attach that letter as proof. 
9. On XX/XX/XXXX I called Ms. XXXX and told her the above ... she informed me that under Federal Regulations she is not allowed to give me that letter! I do not understand why? Can you please try to help me? This has been going on for 6 months and I really need to get those 8 points back on my credit report. TD bank was wrong in taking that application and I was given incorrect information. Thank you in advance
Product: Credit reporting or other personal consumer reports

IVE REQUESTED NUMEROUS TIMES FOR THIS DEBT COLLECTOR TO PROVIDE ME WITH CONTRACT. I REQUESTED FOR THEM TO PROVIDE ME AN INVOICE FOR WHICH I SIGNED FOR THIS DEBT. I REQUESTED FOR THEM TO PROVIDE ME WITH THE DOCUMENTS USED TO TAKE OUT THIS CONTRACT/AGREEMENT IN MY NAME. THE DOCUMENTS USED TO VERIFY MY IDENTITY. I DID NOT GET THOSE DOCUMENTS WHICH IS MY RIGHT WHEN REQUESTING FOR A DEBT COLLECTOR TO VALIDATE DEBT. EVERYTIME THIS AGENCY CALLS, THEY HARRASS AND RESPOND TELLING ME YOU KNOW YOU OWE THE DEBT. INSTEAD OF PROVIDING ME THE DOCUMENTS REQUIRED WHEN REQUESTED UNDER THE LAW. I'VE NEVER GAVE PERMISSION FOR THEM TO USE MY CREDIT FOR AN APPLICATION FOR THEIR SERVICE PRODUCTS. IVE REQUESTED FOR TRANSUNION AND XXXX TO COMPLETE AN INVESTIGATION AND VALIDATE THE DEBT. THEY HAVE YET TO DO SO, I ASKED THEM TO MAIL ME ALL DOCUMENTS USED TO VERIFY THIS DEBT AND PROVIDE ALL DOCUMENTS USED TO VERIFY THIS DEBT FROM THEIR INVESTIGATION. THEY HAVE REFUSED TO DO SO AND HAVE YET TO VALIDATE THIS DEBT. THEY ONLY TOOK THE DEBT COLLECTOR AT THEIR WORD. THESE TWO CREDIT REPORTING AGENCIES DO NOT REVIEW ALL FACTS AND DO NOT COMPLETE THOROUGH INVESTIGATIONS. THEY ALSO DO NOT PROVIDE THE RESULTS TO THE CONSUMERS IF THEY DID NOT FOLLOWING THE LAW. I AM FINALIZING A REPORT REQUESTED BY THE CALIFORNIA DEPARTMENT OF FINANCIAL PROTECTION AND INNOVATION WHILE THEY INVESTIGATE THE TACTICS OF THIS DEBT COLLECTOR AND THE CREDIT BUREAUS. THE AGENCY HAS TOLD ME INVESTIGATORS WILL BEGAN INVESTIGATING IF THERE IS NO FAVORABLE DECISION FROM THIS REPORT. IF THEY LOOK AT MY ADDRESS ON MY ATTACHED XXXX XXXX IT IS NOT THE ADDRESS WHERE THE ACCOUNT WAS OPENED
Product: Debt collection

Debt Validation letter requested. Company did not send contract validation with written signature that debt was mine. I made contact on XX/XX/year> at XXXX and they advised they were only sent an invoice when debt was bought and when i disputed/appealed she advised they would just send it again.
Product: Mortgage

I XXXX XXXX have been trying to modified with my Lender in which before it was with XXXX XXXX XXXX and then got transfer to Shellpoint Mortgage Servicing. I have been denied several times due to lack of financial income. I resubmitted again with new financials and still I got denied again but this time I was denied due to Value of my Property. Shellpoint is stating that I have value in my property and that information is incorrect. I received an NPV report in XX/XX/2018 and I send this information to XXXX a nonprofit organization and they advised me that this report is stating that I have Equity and that I am not delinquent. This information is not accurate. I do not have Equity, I owed more than what is valued and I am over {$100000.00} delinquent with my mortgage payments. Please read the NPV report and help my understand why Shellpoint is stating I have Equity and that is why I got denied plus it states I am not Delinquent. I very worried that I lose my home, I have made all attempts to save my home but I get denied and I have been placed in Foreclosure several times in which I had been forced to file Bankruptcy to protect my property. I am enclosing a copy of Shellpoint NPV Report, Shellpoint Exterior Appraisal, Mortgage Statement and my own Appraisal Report in which I had to pay to dispute that my home does not have Equity. Please need your help, I am seeking help to keep my home and that Shellpoint find a workout solution for me.
Product: Debt collection

I have been getting at least three calls per day from rausch sturm XXXX enerson & hornik. It is a robo-call, and I have no idea what it is in regards to because I filed bankruptcy and it was discharged last year, and I have checked my credit report and not found any accounts in collection. On top of this, I sent a cease and desist letter which included my bankruptcy discharge notice to the " law firm '' which was received by someone there back on XXXX XXXX, 2015. I have still been getting at least three calls per day. I am being harassed. I even had my attorney call and ask them to stop. The person with whom he spoke told him the calls would stop, then I got yet another call just now. I finally called them myself and XXXX XXXX from the XXXX office basically said he thought I was lying about the calls and declined to listen to XXXX of the XXXX+ messages I have saved to my phone from after the firm received my cease and desist. If this is not harassment, I do not know what is. Please hold them accountable!
Product: Mortgage

On XXXX XXXX, XXXX and XXXX XXXX, XXXX Bank of America ( BofA ) through their employees, representatives, and third party agents caused to be recorded notices of default and trustee sale indicating the named trustee XXXX XXXX XXXX XXXX ( XXXX ), owned by XXXX and XXXX, an XXXX based law firm, as the mortgagor within those documents. If, in fact, XXXX is the mortgagor, then what does the Notice of Default ( NOD ) and the Notice of Trustee Sale ( NTS ) have to do with me other than my occupation of the property as an adverse possessor? 
Based on supporting documents XXXX purchased the XXXX Deed of Trust on or about XXXX XXXX, XXXX believing XXXX bought the property from Bank of America , N.A . but, in fact, did not as the original trust deed has been made obsolete by non-payment. XXXX purchased the right to become Trustee from Bank of America in order to foreclose on the mortgage at a profit as part of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and relationship. XXXX purchase the mortgage loan, ownership rights to the Deed of Trust, and right to foreclose, not the property, possession, or ownership of the Deed and made the purchase without recourse, guarantee, or warranty. Why anyone or a corporation would associate themselves with a mortgage debt without also associating themselves with property possession and ownership is beyond comprehension, but for as part of a racketeering business enterprise scheme and the prior existence of a business relationship. 
On XXXX XXXX, XXXX a Substitution of Trustee was recorded naming XXXX the Trustee. Therefore, Bank of America should not represent XXXX as the mortgagor on both the Notice of Default ( NOD ) and the Notice of Trustee Sale ( NTS ) unless XXXX now owns the mortgage. According to XXXX XXXX County Recorder 's Office records, my name is the only XXXX listed on the Deed making me, XXXX XXXX, the sole owner of the property. 
On XXXX XXXX, XXXX I contacted Bank of America, in part, to lodge complaints ( escalated case reference numbers XXXX of XXXX XXXX, XXXX, XXXX and XXXX of XXXX XXXX, XXXX, XXXX of XXXX XXXX, XXXX, XXXX and XXXX of XXXX XXXX, XXXX XXXX and informed Bank of America, their representatives and third party agents, of the fraudulent nature of the NOD and NTS, and requested immediate rescissions of both recorded documents. 
I have been unable to get in touch with the newly appointed single point of contact ( SPOC ) /customer relationship manager ( CRM ) since he was assigned on XXXX XXXX, XXXX. The CRMs I have been able to speak with, including Assistant Vice Presidents ( AVPs ), are no different from those in the past and before in that they have no clue as to the law relating to loss migitation processes. Bank of America just keep on breaking the rules. 
To date, the property has not been sold or bought at Trustee 's Sale or Auction. I have already made a public announcement and claim challenging any right to buy or sell my home. 
All other previously mentioned resolutions are desired. 
I did n't defraud Bank of America. Bank of America defrauded me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX XXXX were both paid off in full but both are still being reported as being late and in collection, charge off status.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4TH endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

Someone used my identity and attempted to purchase vehicles and kept trying hoping to succeed. this resulted in many unauthorized inquiries on my report.
Product: Credit card or prepaid card

I am trying to resolve a dispute for an incorrectly charged amount. I followed the steps directed by the Bank. They closed my case stating we did not answer the phone, so they closed the case. I called and asked why they closed it, and I asked to have it reopened. They refused saying it needed to be done in writing. My initial dispute was done by phone, so not sure why now it has to be in writing. I asked for a supervisor they said one was not available. I asked for their name and ID and they advised they could not do so. 

After a while of going back and forth they decided to help me. They called the merchant ( Frontier Airlines ) about a {$680.00} dollar charge that should of only been around {$370.00} dollars. I have made several attempts to resolve with the merchant to no avail, and they will not or have not provided an itemized breakdown of the charges. While on the phone the agent made several attempts to reach the merchant, and they are unresponsive and are not cooperating. The agent still would not reopen my case and said I needed to submit it in writing and restate everything that occurred on the phone which should be documented on my account.
Product: Mortgage

Freedom Mortgage. 

1.I had a modification in XX/XX/XXXX. Freedom purchased the mortgage from previous lender.

2. I was retiring from XXXX after 25 years at that point. I had not found employment and my retirement pay was taking 2 months to start. I tried contacting Freedom for help but was ignored.

3. I made consistent payments often double payments up until I sold the house in XX/XX/XXXX.

4. Freedom has me listed as 30-60 days late on payments consecutively from XXXX XXXX XXXX. I have contacted them to change this information and they have refused. 

5. Their refusal cost me the VA mortgage for a home for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi MY NAME IS XXXX XXXX I AM NOT A THIRD PARTY XXXXhas a 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 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX 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 XXXX  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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given im XXXX XXXX XXXX help me please Im XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 alleged fraud or extortion. 
XXXX XXXX XXXX : - XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I noticed there were several unauthorized inquiries on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm upset with TransUnion! There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. 

XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to XXXX 's app and website to make payments, was told that payment and autoenroll of XXXX $ a month would be taken out regularly to pay off student loans. Only to find out months later that their must of been a technical issue or error with the payment going through. I had left outside of the country before I could realize this issue and did not notice it until I had returned months later, only to find out that there were 90 days past due of payments! I quickly payed the {$250.00} of the missed payments immediately but still have the late payments on my credit report even though it was through their app AND WEBSITE that the error occured!
Product: Checking or savings account

In XXXX of 2020 I received an advertisement in the mail from HSBC bank. The offer in the advertisement was that If I open the HSBC account online using the code provided in the mailer I would receive a {$700.00} bonus for opening the account. The bonus would come as a 2 % each back on my direct deposits for 12 months, Up to {$60.00} per month. I set up the account as per instructions and meet all the minimum requirements for this offer : Set-up required Qualifying direct deposits from a third party to my HSBC Premier checking account. In my case, this was direct deposits of my paycheck from my employer exceeding {$5000.00} per month. In the following months I never received the cash back. I have contacted the bank numerous time both via the telephone as well as in person in the branch. I have never been told that I dont qualify for the offer nor explained why it was never fulfilled. I wen to the branch on XXXX XXXX in XX/XX/XXXX XXXX as recently as Middle of XXXX of 2020 and was promised a follow up XXXX inquiry, but never did. The bank failed to fulfill their obligation to me or even provide and explanation as to why they wouldnt. Contacting the bank has produced no result whatsoever. Im left with very few options except to file this complaint and other complaint with government organizations that oversee the bank. Thank you for your assistance with this matter.