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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. These inquiries are reporting on my personal credit file with Equifax and XXXX ( Credit Reporting Agencies ). These inquiries were reporting fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX & XXXX XXXXr ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the XXXX XXXX  XXXX have not provided me with any evidence, authorized or created by me. Below are the inquiries not authorized by me ; XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX XXXX Inquiry Date XXXX, XXXX Card Services Inquiry Date XXXX, Equifax Mortgage Service Inquiry Date XXXX, XXXX XXXX Inquiry Date XXXX, XXXX 5 Inquiry Date XXXX, XXXX Inquiry Date XXXX, XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXXXXXX Inquiry Date XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I reached out to the FTC and local police. Im doing this on my own behalf. I don't understand what's going on but these items are not mine and all these items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. ( lnquiries ) : XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX. XXXX.
Product: Credit card

Capital One is forcing me to pay back 100 % of my past due accounts even though I am on XXXX and cant afford to pay monthly payments for XXXX years. They will not settle any amount unless I pay an amount that I cant afford upfront. Again, I am now XXXX. 

This is predatory and also they raised my credit amount without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting on my mortgage with XXXX Mortgage an inaccurate and unauthorized comment/remark that states : " Affected by Natural Disaster. ''
Product: Payday loan, title loan, or personal loan

My email gets flooded with loan offers saying Im approved or pre approved then Ill apply and then I get denied this has messed up my credit I lost my job due to COVID pandemic I need help please dates from XX/XX/XXXX till XX/XX/XXXX I have pictures or all these companies that gives me fake offers
Product: Credit card or prepaid card

XX/XX/XXXX after opening a savings account with Wells Fargo Bank I received a Wells Fargo credit card through the mail. I contacted Wells Fargo bank about the card and was told that it was part of a credit building package deal and was instructed to use to the card to build my credit. I used the card for ten years and maintained excellent credit history. Although during that ten years there were several instances of unusual charges and activity on my accounts that did not originate with me. Ultimately Wells Fargo charged my account off after failing to notify me of balance or acceleration of account in XXXX. Prior to charging off my account Wells Fargo had not sent me a statement from XX/XX/XXXX until charge off. I was not made aware of account status until i was contacted through the sheriffs department through a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2020 ( Complaint Number : XXXX ) was filed again Chrysler capital /Santander XXXX They replied back to the complaint saying the debt had been sold and CFPB just allowed for them to close it out. In the complaint I clearly indicated I received a notice from the Louisiana Attorney General indicating my car loan is involved in a litigation with Santander/ Chrysler Capital and that I should be receiving my settlement along with my car loan being canceled/ updated on my credit profile since the settlement I have not received either or. I continue to get the run around saying contact XXXXXX/XX/XXXX; contact my attorney General. I am in the process of purchasing a home & for the last 6 months XX/XX/XXXXhas been telling me to Chrysler capital is saying that the litigation is false & their reporting is verified on their end but when I call Im getting other news. Or Chrysler capital is not wanting to remove this and follow the settlement agreement. I want something in writing to go to my credit bureaus saying this needs to be removed & the ACCOUNT is in litigation. I dont believe this is fair. Santander is already being sued due to the illegal abuse of consumers & now I have to endure people for 6 months reading a scripted line or telling me to call here and there. Again this is affecting my ability to obtain credit and rebuild my credit properly.
Product: Debt collection

The Debt Collection company XXXX XXXX XXXX of XXXX California. I have done some research online ( XXXX, XXXX, etc, ) about this company and it seems they have thousands of people that are victims of the same company and crime. They are claiming I owe approx. {$2500.00} from a company called Binance, a bitcoin company. I was the victim of fraud during this time and this is a residue from that Identity theft. I have notified them of this mistake and that I did not purchase, nor do I own, any bitcoin. I have written them a letter, but they refuse to release this " debt ''. They are now sending negative reports to XXXX XXXX companies.
Product: Mortgage

Hello I would like to file a formal complaint against my loan servicer in regards to my mortgage. On several occasions over the past 3 years Ocwen has continuously ignored my complaints to prove or show cause that they have a legal right to seek any results based on my mortgage. I have sent several request for QWR 's, complaints, dispute of debts and validation of debt letters as well as TILA request. All of which have gone ignored as Ocwen can not prove the validity of the debt or there compliance in this matter. Ocwen has failed to meet any of the " QWR '' under 12 USC 2605 or " RESPA '' request for validation of debt under 15 USC 1692 of the " FDCPA '' 15 USC 1641. All of the above actions have been recorded in the last certified letter that was sent to Ocwen. in this letter it was clearly stated that my mortgage allowed me via contract right under Regulation X ( 24 C.F.R Part 3500 ) to request information from the Servicer. The Servicer ( Ocwen ) has never complied with any of my request and as the letter reads there have been several request over this time frame.
Product: Debt collection

I AM AVICTIM OF IDENTITY THEFT AND I ERQUEST THAT LVNV FUNDING DELETE THE ALLEGED DEBT FROM MY CREDIT REPORT BECAUSE ITS NOT MINE. I HAVE ATTACHED MY FTC REPORT FOR YOUR REFERENCE
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its XXXX obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. 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 furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided. Causing ongoing harm to my credit standing. I am requesting immediate action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrectly to XXXX  ; Experian and XXXX  a collection in the amount of {$640.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and I agreed to a pay for deletion with XXXX XXXX. I have provided a copy of the check for {$350.00} dated XXXX payable to XXXX XXXX XXXX XXXX XXXX. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate debt, they have no contract validating this debt they are also reporting a collection. Transunion is also reporting this inaccurate information.
Product: Debt collection

Complaint and DVR regarding receipt of distribution of funds for Bankruptcy Claim in case XXXX. On XX/XX/XXXX XXXX 's XXXX system automatically filed two fraudulent Claims where XXXX demanded from me {$5400.00} and {$1200.00} purportedly for BOA as my alleged current " creditor ''. In XX/XX/XXXX Bankruptcy Trustee started distributing my payments from the estate. I demand a respond from an authorized employee of Bank of America with his/her direct contact information who has personal knowledge about filed Claims in my case who can confirm filing these Claims and verify receipt of my payments from Bankruptcy Trustee. 

I demand BOA 's authorized knowledgeable employee to confirm in writing that BOA in fact filed two Claims in Bankruptcy case XXXX as my alleged " Creditor '' who owns an account receivable due from me. 

I demand to disclose how much money received Bank of America from my bankruptcy case XXXX distribution between XX/XX/XXXX to present time. Please provide me copies of wire transfer receipts, cancelled checks, ACH evidencing payments to BOA by bankruptcy Trustee in case XXXX Please disclose that BOA did with these payments. Did it keep it for themselves and deposited on the account receivable owned and due to BOA? or forwarded to anyone else? To whom my payments were forwarded and how much? Please provide me a copy of the ledger for the account receivable where these payments were deposited.
Product: Mortgage

We have the vast majority to get loan current. However they are not will to move the due date 7 days which is needed to meet that amount they are requesting. By not allowing the additional 7 days they add on another month of mortgage which leaves us short to making the full payment and they are not willing to take a partial payment and schedule the remainder for after the 7 days that is needed.
Product: Checking or savings account

On XX/XX/XXXX, I had a recurring payment made to checking account at BBVA. That charge incurred an overdraft fee ( - {$1.00} ) and stated that due to overdraft protection, my incurred fee was {$0.00}. On XX/XX/XXXX, another recurring payment ( {$15.00} ) was made resulting in overdraft fee of ( $ XXXX ). On XX/XX/XXXX, another recurring payment ( {$3.00} ) was made resulting in a 2nd overdraft fee of ( $ XXXX ). On XX/XX/XXXX, another attempt was made ( {$15.00} ) resulting in a 3rd overdraft fee of ( $ XXXX ). My balance is now $ XXXX for overdraft protection that didn't do it's job. 

The worst part is I called to cancel my account and was extremely frustrated when I found out I am unable to close the account due to my balance. Plus the dispute process for overdrafts takes up to 90 days, which leaves me in a horrible position to continue collecting overdraft fees on the account with no resolution. 

This practice seems very predatory and I am left with an unusable account racking up debt that I can't pay off. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I just filed complaint # XXXX, and the issue is almost identical here. Almost. Ill attach documentation for this account, it was a secured XXXX XXXX XXXX card i opened in XXXX of 2013. I paid a {$250.00} security deposit to open this account. After a few months, I became homeless and i couldnt make payments anymore. I left an outstanding balance on this account, but I already paid my security deposit. So, now that I am able to work now, I looked at my credit report and saw that this account was charged-off, damaging my credit. I remembered that I paid a {$250.00} security deposit when i opened the account, so I disputed the entry on my experian credit report. XXXX XXXX responded and they finally ... after YEARS ... applied that {$250.00} security deposit to the open charges on that account and closed the account. Here is the reason for my complaint : A security deposit is held to protect the credit card companies against situations like this. That is what its for. Why .... would you place a charge off on someone's credit report. XXXX XXXX already had my money!!! They could have simply closed the account, applied my balance due to the security deposit, or forfeit the security deposit, and we would be done. They took the extra step to damage my credit! XXXX XXXX says they will return your security deposit in 60 days, but this is not true!!!!! Do not give them a security deposit, they will try and hold it forever. They held mine for over 4 years!!!!!!! Its not their money! I wa n't those charge offs removed from my credit report. They already had the funds to pay my outstanding balance. Damaging my credit was totally unnecessary!
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, Nelnet reported my loans to credit reporting agencies, at the time these balances were correct and accurately reflected on my report ( XXXX in loans ). My student loans were transferred from Nelnet to XXXX in XX/XX/2023. During this time, the balances of the student loans were effectively reported twice, once by XXXX and once by Nelnet ( so showing double the balance due ) on my credit reports. I didn't worry about this too much because I figured the Nelnet balances would drop off eventually, since they were no longer the servicer for my student loans ( loans transferred ). Fast forward to XXXX months later, and the balances from Nelnet are still showing on my credit report. My student loans have since been paid in full to XXXX. XXXX has reported the balances as XXXX, but because Nelnet has not updated the report, my reports are showing that I still have XXXX in student loan debt when I actually do not. I reported this to Nelnet in XX/XX/2023, and they sent me a letter saying they completed an investigation and that the report was correct. I also reported this to credit reporting agencies in XX/XX/2023, and they also contacted Nelnet who said the account was correct. I do not know who to turn to get my credit updated accurately. If you search this problem on the internet you'll find that there are many many other people in this exact same predicament. This should not be this hard, and there should not be so much pushback from student loan servicers. My loans have been transferred from servicer to service XXXX times before and I have never had this issue with other servicers, instead of showing a balance the last status is transferred ( so the balance isn't counted twice ).
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
As of : Today XXXX XXXX XXXX ( XXXX ) inquiry XXXX XXXX  ( XXXX ) inquiry XXXX FCU ( XXXX ) inquiry XXXX XXXX XXXX XXXX ( XXXX ) inquiry XXXX XXXX ( XXXX ) inquiry XXXX  ( XXXX ) inquiry XXXX XXXX XXXX ( XXXX ) inquiry XXXX  Card ( XXXX ) inquiry XXXX XXXX ( XXXX ) inquiry XXXX XXXX ( XXXX ) inquiry
Product: Bank account or service

I had funds from a XXXX that were rolled over automatically to an IRA account. I was notified over 30 days ago and forgot about this. Today ( XXXX/XXXX/2015 ) I received a letter saying I have 7 days to close the IRA account if I do n't want it. I have option to roll over these funds to an existing IRA with another bank. The issue here is the letter was dated XX/XX/XXXX and the IRA was opened XXXX. Today is the XXXX day and I have zero recourse. I argued with these people over the phone today ( XX/XX/XXXX ) and got no where to resolve this problem. A supervisor is or was supposed to call me back, but that never happened. It 's not my fault the postal service delivered the letter late. Now they 're telling me I have to fill out a bunch of forms to open the account I do n't want in order to access my funds. I want proper recourse that I was intended.
Product: Debt collection

I had this debt removed off my credit report many of times. Then before I know it that goes to another report agency under a different name and it appears on my credit report.
Product: Mortgage

The purpose of this letter is to come to a resolution regarding account number -- -- -- --. Since the beginning of XX/XX/XXXX, we have been making regular payments to either Greentree or Ditech. Throughout this time up until Ditech stopped taking our payments in XXXX of this year our payments were on average two weeks early. We never missed a mortgage payment. In that time, we have had multiple mortgage modification changes, 41 phone calls ( between XX/XX/XXXX and XX/XX/XXXX ). Each phone call included my attorney on the phone call which was necessary to navigate the muddy waters of customer service, accountability problems and as legal counsel. This was expensive in and of itself but my time away from work was even more costly. During the YEARS we struggled to correct Ditechs mistakes, our lives were disrupted and our time and money squandered. We were embarrassed by multiple foreclosure notices including a sheriffs foreclosure notice delivery at my place of business ( in front of my patients and employees ). We also are the victims of incorrect credit reporting, and burdensome attorneys fees. In the end everything turned out to be Ditechs clerical mistakes and GROSS accountability problems. Ditech utilized entry level employees with no responsibility, accountability or authority. I was unable to contact or speak with the decision makers whose names were blatantly missing on all documents issued by Ditech. In all our phone calls we never spoke with an accountable person able to correct mistakes or clearly and confidently explain matters. This struggle lagged on and on. It is our opinion and position that mistakes need corrected. Our demand is simple. We are demanding that all late fees be removed, our personal credit amended, our attorney fees are paid, our account is credited the {$4000.00} minimum that your company owes from escrow surplus, a return of unapplied funds, and a solid commitment letter stating that we will never be the victims of exceedingly high and unfounded escrow fees again. I have calculated my time on said phone calls and I believe I am due reimbursement for my time out of the office. As I am a XXXX  my hourly fee is {$350.00} per hour and I easily was on the phone for 40+ hours ( not including emails, documents etc. ). If our demands are met, we are more than willing to pay the arrears and continue paying our current monthly calculated payment which should be {$2100.00} See Exhibit 13
Product: Checking or savings account

On XX/XX/2021, Bank of America sent me an email stating my account balance was low. I knew this was impossible, as I had more than {$7900.00} in my account. I called immediately to find a solution to the problem, and they treated me like a criminal stating I had a fraudulent deposit made. 

The deposit was one my friend had sent to my account from the U.S., so I could take out some cash for him while traveling to surf in XXXX. He immediately called the bank and explained that he had sent the money, so they would realize it wasn't fraudulent. Bank of America should have record of him calling numerous times as well as him going into the brick-and-mortar location. Once, they told him I'd have the check in my mailbox in 30 days, but it never arrived. 

I also contacted Bank of America numerous times and continue to call daily. They continue to tell me I will receive a check in the mail, but they can't tell me when or if it will be within 1 year or 10 years. 

I have never done anything fraudulent in my life. I have XXXX debt, have never overdrafted my bank account and have never even paid a credit card late. Yet, Bank of America refuses to send the balance for the account they closed. I've been dealing with this for a year and 3 months and have wasted countless hours. I've lost far more than the {$7900.00} in my bank account. 

I would be beside myself with joy if I could just settle this issue and have my money back, so I can move on with my life and my new bank account. 

Thank you!
Product: Credit reporting or other personal consumer reports

This is my first 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 XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$770.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX