23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage company ( Chase Home Finance ) decided to do a XXXX balance/ Forgive the loan on my mortgage. They never contacted me to say or ask me about it, they just did it on their own. They started rejecting my payments all of a sudden. It took 3 months of me calling to find out what was going on. They used a foreclosure method for the process, never letting me know that it was going to hurt my credit report. They caused my residential home insurance to go up due to the negative marks on my credit report. Strike one! Then since they rejected 6 months of payments, now that has a negative mark on my credit, Strike 2! then they did a charge off on my credit which again is a negative mark on my credit. Strike 3! How is it that this company can decide that the cost of maintaining my mortgage is more that what the value of the loan, and then decide to do a XXXX balance or forgive the loan and I have to pay for it? This seems illegal!!
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. 

Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX XXXX Balance XXXX {$280.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have sent a letter to the credit reporting agencies. Equifax, XXXX, and XXXX. 

I have sent letters asking for a reinvestigation of accounts in question on XX/XX/year> in accordance with FTCA Public Law 91-506 requesting validation and information of the individuals they verified the information with. 

I have not received the results of the investigation or if the investigation has even began and has now been over 30 days. I sent a follow up letter via certified mail demand to comply with yet no response. 

The credit companies are not complying with their own policies in a timely manner. 

I ask that they remove the accounts in my letters immediately.
Product: Debt collection

I receive 3-4 calls a day on my cell phone from an anonymous caller, only labeled as XXXX NE. 9 out of 10 times that I answer, I hear 10 seconds worth of clicking/beeps then the call hangs up. Several weeks ago an individual said hello, asked for XXXX XXXX and stated they were with Merchants Credit Adjusters and then demanded my social security number. I refused and asked what they were calling for and she again demanded my social security number. I informed her to not call me cell phone again and hung up. My phone rang within 2 minutes from the CID XXXX NE, I did not answer. They continued to call harassing me every day. Today, XX/XX/18, I answered and after 10 seconds of clicks/beeps a woman identified herself and asked to confirm my name and address. I answered, she stated she was calling from Merchant Credit Adjusters regarding {$21000.00} in medical bills. I have never had more then a typical doctors visit. She stated there were two debts, one to Nebraska for furniture stuff?? And one to XXXX for a car?? I asked her how furniture and a car are medical debts? She rudely asked how I was going to pay today! I asked her to send me something in writing because she was not clear on what she was collecting on. She again rudely and abruptly shouted we have, you need to pay your bill. I asked if she was calling my cell phone using an automated dialer as that is a violation of the TCPA. She states they were allowed to use an automated dialer and again to pay my bill. I again told her not to call my cell phone.
Product: Checking or savings account

The citi bank closed my account but my job sent my check to the bank and now there telling me that my account has a hold on it because there waiting for three account to close And I can not receive my phones for 30 to 60 days not if that is true how was it able to shut down the close the stay with the count but not able to close the checking account down just as quickly as they did save as account it makes no sense every time I call I get a different answer nothing consistent nothing 's the same everyone has something different say every single time I call and it just makes no sense I want my money back from these people and I need it
Product: Credit card or prepaid card

My credit report shows a 90 day late with a with a credit card company that I set up a payment plan with. The report is false incorrect. I was scheduled to pay installment amounts for 3-4 months of {$35.00}, {$60.00}, and {$120.00} to avoid late fees and penalties in XXXX of XXXX as well as XXXX   of XXXX.
Product: Vehicle loan or lease

this auto loan was opened without my consent or knowledge. it is a result of id theft
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX with a account number 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I have sent debt validation letters to the collection agency and credit bureaus whos reporting this debt on my file on XX/XX/XXXX. I have heard nothing back from nobody why? Because I didnt open any XXXX  account with XXXX in XXXX as stated on my report. So their validation from XXXX  that they reported would be inaccurate. The debt states {$2100.00} opened XX/XX/XXXX I demand this account be blocked and deleted from my reports for falsifying dates and violating my rights to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act XXXX XXXX XXXX XXXX acct. numbers not listed, US Dept Of Education acct. # XXXX and US Dept Of Education acct. # XXXX, XXXX XXXX acct. # XXXX, Get It Now acct, # XXXX, XXXX XXXX  # XXXX, XXXX acct. # XXXX, has violated my rights.

15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681Section 604A Section 2 States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

Equifax XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XX/XX/XXXX XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. 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
Product: Credit card or prepaid card

This is a separate complaint regarding the same credit card for which I submitted a complaint ( # XXXX ) back on XX/XX/XXXX. Citicard called me back within one week and resolved the issue, so I decided to keep the card. 

I just tried using it today, XX/XX/XXXX, but it was declined. I called to find out why, and they informed me that my card account had been closed at my request on XX/XX/XXXX. I did not request my card to be closed subsequent to the account rep calling me to resolve the issue, which was several days prior to XX/XX/XXXX. 

Nor had I contacted the company since XX/XX/XXXX when I tried to activated my card, but then was told that I couldn't, which was what spurred my initial complaint. 

I am submitting a complaint because they could not re-open my account without me having to run through the entire account opening process again, including running credit checks and issuing me new cards, which would take over a week. This level of incompetence is ridiculous. I can not believe how difficult it has been to open a card account. And then only after I made a complaint to the CFPB, did they try in earnest to resolve the issue. And I even gave them a second chance to use their card, only to be told that my account was closed, and furthermore, if I want to continue using their card, I have to go through the account opening process again. 

I am shocked and disappointed that the regulators allow a company with this level of incompetence, disorganization, lack of communication within their organization, and most of all inability to simply open a basic credit card account to operate and offer such products to individuals, many of whom lack the knowledge of how card companies should operate unlike myself who used to work at one.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, May I please request you wise assistance. I have experienced identity theft on my personal credit report. For many months, I have been working to un-wind this disaster. 
Practically all of the companies that I have dealt with have been compassionate with my ordeal and have tried to assist me. XXXX XXXX XXXX has gone out of its way to destroy my credit. I have done everything the company has requested to correct the situation. I have submitted a Police Report singed my the Captain of my local Police Department. I have notarized a sworn affidavit demanded by the company. I have filled out a document sent to me by the company attesting to Identity Theft. All I have received back fro the company is a form letter telling me that there is not enough evidence submitted to support my claim. I am at a total loss here, as I have no idea what I can possibly do to get XXXX XXXX XXXX  to correct my credit report. I the meantime I keep receiving notices from all, three credit agencies that every month for now many years, the company keeps reporting charge-offs. This situation has greatly impacted my life. As this coupled with a number of other errors that I am working on daily with the credit companies, is responsible for my not being able to rent an apartment. I own a home that is being sold. I suffered a XXXX XXXX a number of years ago and now I have problems with my XXXX XXXX XXXX. I need to be closer to XXXX Minnesota and the XXXX XXXX for continued care. I am a senior citizen and need to move into a facility close to the medical campus. The apartment community is telling me that I will have to have 6 months upfront deposit before I can lease. The main problem here is XXXX XXXX XXXX. Ther is a balance of some {$25000.00} sitting and the company somehow has gotten ahold of my Social Security number and has attached it to this debt. My question here is just how can I get this resolved. This took place in 2015. I do not know any more than that. I never needed to look at my credit report, because I never buy anything with credit then a car. I own a used XXXX. I believe that I am being treated very unfairly. I have gone to the Police Department a number of times and now I believe that they have turned over the matter to a state attorney. This seems total nonsense to me. Why will this company do cooperate and try to help me? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. SANTANDER CONSUMER U Opened XXXX XXXX, 2018 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SANTANDER CONSUMER U has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. However I have sent several letters requesting that XXXX, Experian and XXXX   remove the XXXX XXXX XXXX Mortgage account due to their failure to verify the accuracy within the 30 days. I then sent a follow up letter requesting validation of accuracy of this account and still the account is inaccurate and my rights are being violated. The XXXX  XXXX XXXX account is reporting that my payment history was " ok '' from XX/XX/XXXX until now, however look at XXXX report and they are reporting me as 120 days delinquent in XX/XX/XXXX, on Experian they are reporting me late from XX/XX/XXXX all the way up until XX/XX/XXXX! If the credit bureaus were taking my disputes seriously actually verifying the accuracy of this account, then why are the 3 credit bureaus reporting three drastically different payment histories. 
I am tired of being bullied by these credit bureaus and them not following the FCRA guidelines. Its unfair and causing me extreme emotional distress. Please help with removing this account from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a police identification theft report I also reported identity theft with the Federal Trade Commissioners office regarding this account. Ive sent copies of each to the credit bureaus and all of them but Equifax have removed this fraudulent account from credit report. This account IS FRAUDULENT and has not been removed
Product: Credit card or prepaid card

I have a XXXX by XXXX card. I stayed at the XXXX XXXX by XXXX from XXXX XXXX through XXXX XXXX, XXXX. After that stay, I discovered that I had been double billed ; once for my stay and once for the stay of another member of the group I was traveling with. 


I wrote to XXXX requesting a reversal of the charges to my card for someone else 's stay, as well as a reversal of all late fees, interest charges, and negative hits to my credit report. XXXX denied my request and found that the charges were valid. 


Of note, I can not have my phone with me at work. I can not access my civilian email from my work computer. I often come out from work at XXXX or XXXX o'clock to find several calls from XXXX, but their call center is closed by the time I leave and does not open until I have been at work for an hour or XXXX. The few chances I have had to complete a live conversation with a Chase rep have not been fruitful ( I have those conversations saved ; I clearly stated that the conversations were being recorded on my end to avoid any legal complications ). I mention that to illustrate some of the difficulty that we have had in communication. 


The hotel 's XXXX admitted, via email, that the charges to my card should have been charged to sI finally got this taken care of-the credit will be processed today. It XXXX take up to XXXX business days to be reflected on your card.omeone else. The XXXX first refused to refund me until another card had been presented, and then told me to do the legwork to find the contact information for the person whose stay showed up on my card, saying that they could n't refund me until they had another card. I provided the contact information to the XXXX. The XXXX responded with : " I finally got this taken care of-the credit will be processed today. It XXXX take up to XXXX business days to be reflected on your card. '' That message was sent XXXX XXXX. I still have not seen any refund to my card, and XXXX is denying my appeal to dispute the charge despite the emails I provided to them showing clear mishandling of the account by their affiliate, XXXX. 


I AM showing that my credit statements are being impacted, my Chase/Marriott card has been cancelled due to non-payment ( for charges I did not authorize and for late fees and interest associated with those charges ). 


I have clearly stated several times that I am asking that XXXX refund me the charges for the stay that was wrongly charged to my card along with all fees and interest associated with those charges. I 'm also asking them to redact the negative credit reports that have been submitted. 

So far I have received absolutely XXXX traction from either company. Can you help?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights .

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit bureaus are reporting incorrect information on my credit report, XXXX, XXXX, and Experian. These errors are a direct violation of the Fair Credit Reporting Act. Multiple times these credit bureaus have listed incorrect information on my credit report. This incorrect information is being reported by not one but all three of the credit bureaus. It is causing an extreme amount of stress. No matter what I do these credit agencies are not assisting me and are not replying to any letters that I send them. This is an issue because the FCRA states that they must complete an investigation in 30 days, yet this has not be adhered to. If I do not receive any information from them is this not a violation of the Fair Credit Reporting Act? It indeed is. If you take a look at my attached photos you will see all the inaccurate reporting 's with these accounts. Such as date of last activity, date opened, reporting Charge-off 's only on a payment history. How can a CO be reported as payment history? This is terrible, this wrong. The FCRA states that each credit bureau is to report identical information, however, they're all reporting incorrect information. This is not ok, and is against the law.
Product: Debt collection

XXXX XXXX I was seen in the emergency room. During my dos my XXXX XXXX Was active. The provider had 365 to properly file the claim to render payment. This is a XXXX charge that has been billed to me inaccurately. if you are on XXXX The provider is to bill the state not the patient. By the provider/collection agency placing this on my credit violates XXXX policies/procedures.
Product: Mortgage

At the end of last year my statement showed I had {$550.00} in escrow. I paid another {$30.00} into escrow for the next 3 months for a total surplus of {$640.00}. Nationstar paid {$360.00} for insurance leaving {$280.00} balance surplus. 
Nationstar will not reimburse me the surplus.
Product: Credit card

I contacted American Express regarding a card that I received in the mail and did not open. I called and disputed opening the card. I received a letter in the mail stating that I opened the card. This is fraudulent and someone stole my identity and needs to be removed from my credit.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX