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

I am writing to request the blocking and deletion of accounts and inquiries from my credit report due to my status as a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft removed from my credit report. 
Please find below the details of the accounts that I am disputing : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I own a home that currently has a VA loan - was my late father 's VA loan. I remain on title as I was prior to his passing and am authorized to act on behalf of the mortgage. I would like to sell the home and allow a buyer to assume the mortgage, per VA guidelines. I began contacting the servicer, Shellpoint, XXXX XXXX. I called and was told to email the assumptions department, which I did twice. After not receiving a reply at all, I have called Shellpoint multiples times since then. Each time I am told either 1. A loan officer will contact me or 2. An assumptions package will be mailed to me. Neither have occurred. Each person I speak to sees NOTHING in my account indicating a prior call. I have been given an " assumption number '' but when I call, nobody knows what I am referring to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit reports and became aware that XXXX reported late payments that I don't recall ever being late. I have had this card since XXXX and it has always been in good standings. The following are the dates that XXXX are reporting late payments that are having a direct impact on my credit score & credit worthiness. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I have requested XXXX proof that the alleged late payments are correct and as of this date XXXX has been unable to provide me the information I'm requesting. 

On XX/XX/XXXX EQUIFAX responded to my complaint on the CFPB portal stating they will not provide an answer because the believe it was a credit repair company talking on my behalf. 

I AM NOT A CREDIT REPAIR COMPANY OR IS ANY CREDIT REPAIR COMPANY REPRESENTING ME REGARDING THIS MATTER. I FILED THIS COMPLAINT ON MY OWN WITH THE HELP OR GUIDANCE OF NO ONE. TAKE THIS AS MY FORMAL WARNING TO YOU. IF EQUIFAX CANT PROVIDE PHYSICAL PROOF OF AN INVESTIGATION TO ME REGARDING MY COMPLAINT, THE NAME & PHONE NUMBER OF THE INDIVIDUAL EQUIFAX SPOKE TO AT XXXX TO CONFIRM THE ACCURACY OF THE REPORTING, & DATE/TIME I WILL FILE A LAWSUIT VERSUS EQUIFAX IN SMALL CLAIMS COURT FOR THE DENIAL OF MY RIGHTS &  FAILURE TO COMPLY WITH THE FAIR CREDIT REPORTING ACT. 

Cc : XXXX County Court House - Civil Division
Product: Mortgage

My HELOC was transferred to new company SHELLPOINT. 

We have fixed rate, we have paid same amount on time for years. Now, without reason, the new company unapplies our payments, when theyre on time, and through some terrible accounting practices stated my fixed rate will now be different payment amount every month? 

I have never had an issue with a company before. 

Paid every month accurate and on time. 

This is deceptive and the company has no response after I have repeatedly asked for explanation. 

Payment is XXXX They are now asking for XXXX without explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit card

XX/XX/XXXX - Fraudulent purchase made with my Best Buy CitiBank credit card for {$970.00}. 

XX/XX/XXXX - I received a bill for the amount. I checked my account, and noticed the fraudulent charge. 

XX/XX/XXXX - I disputed the transaction online and called CitiBank and was hung up on. 

XX/XX/XXXX - 61 days after my claim, I received a response that the charges were being re-billed to my account, and that I was responsible for the charges. They said 'my card is protected with an embedded chip, and was used at a chip enabled card reader. ' My card does not have a chip, only swipe. 

XX/XX/XXXX - I filed a report with the CFPB, the Office of the Comptroller of the Currency, as well as a police report with XXXX Police Department. 

I did not make any purchases. I have not used my XXXX CitiBank card since XXXX. On the letter it notes " card is protected with an embedded chip and was used at a chip enabled card reader. '' The card in my possession does not have a chip. CitiBank 's investigation 's claims are blatantly false. 

I don't even know what the purchases on XXXX XXXX were as the item is not showing on my account history. I am unable to re-dispute the transaction on my XXXX CitiBank website.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My SSN was stolen by identity thief in 2023 XXXX while I was traveling outside of XXXX. I only have one bank account in Chase bank, They use my SSN to open XXXX credit card account in XXXXXX/XX/XXXXand XXXX XXXXXX/XX/XXXX. They log in to my online chase bank account and try to wire {$12000.00} out. I report the status to Chase bank and they decline all the unauthorized transaction, the bank show me the document that someone change my default address and phone number. So far Chase bank did well to protect my money. 

In XX/XX/2023 I receive the Bank statement from XXXXXX/XX/XXXX andXX/XX/XXXX XX/XX/XXXX I went to the bank conform that these are not my account. So I request the bank to freeze these account and close them. The XXXX still have the balance of {$710.00} and XXXX XXXX has {$660.00}. The address for these two bank account and the transactions on the statement are closed to my home address. After investigation of the bank fraud protection group, They said I am responsible for this account, I have to pay the balance of XXXXXX/XX/XXXX {$710.00}. I don't know how to prove I am a victim of identity theft, Police can't file the case because I couldn't get the affidavit letter from bank.
Product: Debt collection

recieved phone calls to my cell and job i called the number back they gave me the name of thier company said they were a pre trail company trying to collect a debt i asked which company he first said XXXX access processing then said thier was XXXX i asked for verifaction of all original i recieved an email giving me XXXX companies XXXX of which i knew and had paid back already about XXXX XXXX yrs ago the other i did not know then he started saying different companie names and i told them they were already paid except XXXX again i didnt reconize he said he couldnt do further looking unless i agreed to pay i told him unless i recieved something showing prove that this debt was owed i wasnt going to agree to something he said well i will have to try and see but i am not making any promises that they will not proceed and you be arrested and hung up they have also been harrashing me at my job on my job phone number even told my co worker about this
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting a current balance of {$12000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was included in my bankruptcy. ( I have included the letter I received from XXXX dated XX/XX/2016 stating you are NO longer responsible for any payments or the overall disposition of this student loan. I have also included my identification documents for reference. ) This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Mortgage

I was told that my percentage rate was 5.3 % with 21st Mortgage Corp . ..When I went to Re-Fi with XXXX XXXX XXXX XXXX , they told XXXX XXXX  that my mortgage was only 4.0 % ..Not once but twice. Because the first time I was locked into XXXX XXXX  for 2.5 % but the guy doing my loan blew me off. So when I get the new deal from XXXX XXXX, it's now at 3.125 %. They waited till interest rates shot up again and I was convinced ... .If my rate is truly at 4.0 % it would be a waste of time and money to Re-Fi on 1 % difference .Why are they charging me 5.3 %.? Is it LEGAL to LIE to another financial institution, to convince me that it's not worth it to KEEP me paying that EXTRA 1.3 %? Because Thats what It came down too. Interest rates went up again and I'm Stuck.
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 : XXXX 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. 
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
Product: Vehicle loan or lease

I was wrongfully charged a {$28.00} late fee on my lease account with Santander ConsumeXXXX despite making all my payments so far on time and early. 

After contacting Santander Consumer a total of 17 times, I was finally able to connect with an agent who understood the problem and confirmed that I should not have been charged a late fee. 

She told me that a request has been submitted to apply a fee waiver to my account to refund the {$28.00} as credit onto my next payment. 

I called back 4 days later to check in about the waiver and was told that the fee waiver was denied for " unknown reasons ''. 

As a reminder, I made all my payments on time and early. There should be absolutely no fees attached to my account. 

XXXX ) Apply the {$28.00} you owe me back to my account XXXX ) Remove the glitched " XXXX XXXX '' notification I get every time I log in
Product: Checking or savings account

I was repeatedly emailed an offer by Chase to set up a checking account with direct deposit and a savings account with {$15000.00} for 3 months, and then I would recieve a {$600.00} bonus. This included on XX/XX/XXXX and XX/XX/2023. 

I enrolled in this offer and opened both a chase checking account with direct deposit and a savings account for 3 months. My chase savings account was opened on XX/XX/2023 with a {$15000.00} deposit. It has sat in this low interest savings account now for 3 month with the expectation that there would be a {$600.00} bonus. However, I was only given the {$300.00} for the direct deposit and not the full {$600.00}. I am asking Chase to honor their promotion and provide me with the full {$600.00}. 

I have reached out to them to ask about this and they said that I had only signed up for the direct deposit and therefore I only will receive the {$300.00}. However, this is incorrect, I signed up for the full {$600.00} and I met the terms of the promotion. 

Thank you, XXXX
Product: Checking or savings account

I placed dozens of phone calls and about a dozen chats to customer service trying to obtain my debit card since XXXX. I receive the same answer of " Confirm your address and we'll send you a new card ''. The process of sending out a debit card happened at least 9 times since XXXX. I have not gotten any other assistance.
Product: Payday loan, title loan, or personal loan

RE : Complaint ID XXXX. On XX/XX/22 I received an E-mail from a XXXX XXXX XXXX claiming to be from the Office of the Chairman at 'Citizens '. She said after failing to contact me at my home phone number she sent me this email requesting that I call her at this phone number XXXX. Well I did call this number, over 12 times between then and XX/XX/22 and always got the same recorded message about how she is usually in the office between XXXX and XXXX. I am beginning to wonder if she ever is 'in the office '.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has inaccurately reported late payments on my account. Amidst the challenges of the Covid-19 pandemic, I proactively negotiated with XXXX XXXX and reached an agreement based on the pandemic 's impact on my financial situation. Despite this agreement, XXXX XXXX has consistently reported late payments to all three major credit bureaus, further exacerbating my financial difficulties. I respectfully demand the removal of these late payment reports from all credit bureaus. Given that my account terms have been adjusted as part of our new agreement, it's imperative for my credit report to accurately reflect this understanding.
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX  Account # XXXX -XXXX XXXX has violated my rights. 

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 : It also states a consumer reporting agency can not furbish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX AND I HAVE SENT COMMUNICATION TO CFPB AND RECIEVED A LETTER ASKING FOR INFORMATION FROM ME REGUARDING BAMK ACCOUNT INFORMATION AND NEED TO COMMUNICATE FURTHER WITH SOMEONE REGUARDING THIS PROBLEM. I FEEL SURE WE CAN RESOLVE RHE PROBLEM.. I KNOW NOW THAT IS N'T TRUE AND NEED TO FIND OUT MORE ABOUT THE ISSUE. PLEASE. COMMUNICATE WITH ME FURTHER AS MY EMAIL XXXXXXXXXXXX IS BEING HACKED AND NOW I WO N'T HAVE A PHONE UNTILL THE XXXX of XXXX 2017. XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  we received a letter for  XXXX  stating that we had applied for an  XXXX   XXXX   XXXX  card. We had not. We called  XXXX  and they blamed us by stating that we 'clicked a button ' at    XXXX    that  initiated the request. They told us that they would close the request.     Last week we received another letter from  XXXX  that has exactly the same information. Today I pulled my credit report and am shocked to see that  XXXX  has continually been running credit inquiries. These inquiries have brought m y credit score  down.     The inquiries from  XXXX , which I did not initiate, were on these dates :  XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX  I would like help to have those inquiries removed from my Credit History since I did not initiate the requests. In fact, I checked with  XXXX  and in order to initiate the request an application must be filled out. I never filled out an application because I have no interest in having a  XXXX  Credit Card from  XXXX . Thus this is a repeated fraudulent request. Can you assist with resolving this so that my   Credit History is fixed and does n't continue to drop?
Thank y  ou.
Product: Mortgage

As of XXXX, Champion Mortgage still has not applied my current payment of {$140.00}, made on XXXX, to my loan account number XXXX. XXXX XXXX check number XXXX has no posted to my checking account. I have tried several times to get Champion to explain why this has happened only to get conflicting answers. This non-action by Champion has placed my account, XXXX in arrears, meaning, they could call the loan balance due at anytime. Please find out how many more payments before payoff. 
Background details [ I am still having problems with Champion Mortgage. Most recently, they are not applying payments I have made by checks of {$140.00} to my loan account XXXX # XXXX XXXX. When I sent this month 's payment on XXXX the check ( # XXXX ) still has not posted to my XXXX XXXX checking account as of today, the XXXX. When I called them last week, at first, they told me I missed three payments due to auto deduction agreement was stopped because the bank had blocked such deductions from my checking account. When I called XXXX XXXX, they told me there were no such blocks and all Champion needed to do was resubmit the deduction request. I called Champion again and they insisted my bank would not clear the check -- which apparently is not true. Either that or Champion 's system is faulty. Payments were sent to Champion Mortgage, XXXX XXXX XXXX, XXXX, TX, XXXX ]
Product: Debt collection

I am disputing multiple accounts listed on my credit report that I believe are inaccurate or unverifiable. I am requesting these items be investigated and removed. 

Collections Accounts : There are several collections accounts reported from various companies. These accounts have balances that I dispute, as they do not belong to me, or I believe they are reported inaccurately. 

Outdated Addresses : My credit report includes addresses that are outdated and no longer relevant to my current living situation. I am requesting these past addresses be removed from my credit report. 

The information for these accounts was reported recently, and I am asking for these items to be thoroughly investigated for accuracy and, if found incorrect, to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having many problems with the 3 Credit Reporting Agencies/Bureaus XXXX They are mixing my file with someone who is deceased. I have disputed this with them for the past year and they have not corrected the accounts. Equifax will not even report a score and XXXX sent me a letter saying that they have me as deceased even though they show me making ontime payments on my own accounts and late payments and collections on the ones that are from the deceased person. 
These issues have caused me and my family great difficulties and stress for the past 5 years. I have sent proof of my identity with documentation and pictures with my Florida issue Driver 's License. They have either not responded or ignored my requests or simply told me it's been verified with sending proof or an explanation of how it was verified. Please help me resolve this matter. The pandemic has taken a toll on our family. Both financially and physically and I am unable to apply for a loan because of their inaccurate reporting.