23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

My status changed before adding last 2 loans I only get paid monthly On both loans when I took out I asked to make sure I was only down for once a month on the XXXX I was told yes I continue to receive emails about being late on the XXXX of the month Now I am going to Social Security XXXX and paid on the 2nd Wednesday of the month. 
I spoke with collections today as they called me I was told they couldnt correct and was not their responsibility to get to the correct person to have changed. 
Yesterday I sent an email to customer service XX/XX/XXXX Today, XX/XX/XXXX I forwarded and sent an additional email with explanation of phone call, I received 4 phone calls yesterday XX/XX/XXXX which I didnt answer plus they left no voice mail. This was also explained on the phone call todayXX/XX/XXXX I would like - my payday changed to correct day one time a month Permanent -corrections to credit bureaus from Speedy Cash -corrections and reimbursement to my line of credit loan only for monthly payments and any additional fees they have charged
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my identity to create a XXXX XXXX credit card account on XX/XX/XXXX. This account was used to purchase XXXX XXXX game consoles from XXXX and XXXX XXXX game consoles from XXXX. 

I called XXXX XXXX on XX/XX/XXXX, explained the situation to them, and asked them to close the fraudulent account and remove the item from my credit report. I was assigned case # XXXX. 

On XX/XX/XXXX I mailed a completed " fraud packet '' to XXXX XXXX. 

On XX/XX/XXXX I left a message for XXXX XXXX 's ID theft department ( XXXX ), asking them to close the fraudulent account and remove the item from my credit report. 

On XX/XX/XXXX XXXX XXXX ( XXXX XXXX representative ) and I got XXXX  XXXX on the phone, and we were told to send an email to XXXX, which I did the same day. 

On XX/XX/XXXX I received XXXX XXXX letter, dated XX/XX/XXXX, indicating Our investigation confirmed someone using your personal information fraudulently opened the account ending in XXXX. 

XXXX and I tried repeatedly between XX/XX/XXXX and XX/XX/XXXX to talk to XXXX XXXX to get them to remove my account information from my credit reports, but we were unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

i noticed after looking at my credit report that it shows late payments of my credit cards credit cards are XXXX XXXXXXXX XXXX XXXX XXXX According to the FCRA 15 USC 1681b it is illegal to report late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$350.00} XXXX XXXX XXXX {$600.00} XXXX/XXXX  XXXX {$390.00} XXXX/XXXX XXXX {$1600.00} XXXX XXXX {$480.00} XXXX/XXXX  XXXX {$350.00} XXXX  XXXX-XXXX  {$350.00} XXXX XXXX XXXX {$400.00} XXXX   XXXX {$390.00} XXXX  XXXX  XXXX {$170.00} XXXX  XXXX  XXXX {$350.00} XXXX/XXXX   XXXX {$400.00} CHAPTER XXXX BANKRUPTCY XXXX
Product: Mortgage

I fell behind on my mortgage in XXXX due to a temporary loss of income. I started the loan modification process with my lender in XXXX and to date, I am in the process of requesting another loan modification due to previous denials. In this process, I 've always been informed by my personal account specialist named XXXX that as long as the loan modification is under review it would prevent or place a hold on any foreclosure proceedings. I submitted my monthly loan mod in late XXXX, again being advised that the review would avoid foreclosure, and lo and behold, I was served with a foreclosure summons in on XXXX while my loan mod was in review. I 've continued to file loan mods since the foreclosure summons for the months of XXXX and XXXX. My most recent denial was on XXXX, in which I still have yet to receive a denial letter, but last week I received a letter from loss mitigation indicating that an Forbearance mod might be available and as of yesterday, I now have a XXXX sale date on my home. My intention in to stay in my home where I 've built a life in with my husband and family. I 've missed the foreclosure case status date on XXXX due to my loan mod app still being in review, and again the foreclosure process would cease while my loan mod is in review. XXXX from Ditech contact me on XXXX to update me on the loan mod status, in which it was still in review and no decision was made as of yet, which is why I did n't attend the status call, only now to find out that the loan mod was denied after I spoke with the agent. I feel that Ditech has dropped the ball on many accounts during this stressful period and is now leaving me resulting to staying persistent with them hoping to inundate them with modification applications and possibly hiring an attorney to fight this battle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am dealing with identity fraud, tax fraud and identity theft. There is a group of people I would need to be contacted immediately because of the seriousness of the case. My identity is being used all types of ways everywhere different states. Stolen debit cards, money laundering so far out of 5 accounts that I know of so far. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX. I have statements as well. Im dealing with tax fraud as well as Ive requested transcripts back from XXXX-present and also student loan accounts through department of education. People are going to school in my name getting financial aid and loans and their are also properties in my name I am unaware of and there are businesses in my name
Product: Debt collection

on XXXX XXXX XXXX i have reach out to Portfolio Recovery Associate in reference of a account that was open fraudulently due to someone stealing my identity as well as XXXX XXXX there's also two account on my credit report that was also open fraudulently due to theft identity i reach out to XXXX XXXX XXXX several time along with XXXX XXXX XXXX XXXX due to an account that has been close for several years this account belong to my ex wife also there's two account with XXXX XXXX XXXX  that doesnt belong to me due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report a possible scheme of fraud by Equifax. 

When you get a report from Equifax thru XXXX, you must create an account with Equifax in order to submit a dispute. If somehow your access to Equifax get blocked, they are unable to unlock it no matter if you confirm your identity thru their authentication process. Their authentication process is one customer service rep asking some questions regarding your credit history. 

Even when you answer all the questions correctly, they are unable to unlock your access. HOWEVER, they try very hard to convince you to purchase a monthly subscription to get access to your credit report and the ability to submit a dispute. Their selling pitch is " if you purchase the subscription, you will have complete access to your credit file ''. 

Clearly, this is a concerted scheme, to deceive customers to pay for something they can access for free. And the element of fraud is in their supposed inability to unlock an access. It seems incredible to me that they can not unlock an access to submit disputes, but if you pay the subscription, then they can give you access to submit disputes. 

When you go to the Equifax XXXX XXXX, you see a lot, and I mean A LOT of similar complaints. Equifax practices must be investigated with urgency.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXXXXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  - Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA 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 furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a loan that was disbursed XXXX in the amount of XXXX with the XXXX Department of Education. Inaccurate information is reported on my credit report with XXXX, XXXX  and Equifax that I had late payments on this account. It is reporting thatIt was delinquent XX/XX/2015, XX/XX/2015, XX/XX/2015 This is incorrect information I have never been late or had negative history on any account. This account was in forbearance during this time, all paper work was submitted and was on forbearance meaning no payments for due. I have already reached out to both the credit Fed loan they denied the corrections to my credit report and the credit bureaus. This negative history on my credit report is affecting my credit score and my ability to obtain a mortgage. I want this inadequate information to be removed from my credit file.
Product: Debt collection

Ive been trying to fix my credit or get credit because i have no history. So when i get notifications about my credit i check them right away. On XX/XX/2020 i got a notification that an account has been updated on XXXX that my credit had dropped so i immediately checked and there was a high impact in collections. ACCOUNT RESOLUTION SERVI is the collection company and the account was open XX/XX/2020. I haven't been sick seen or been to a Er/physician in 2 yrs nor have i had health insurance since XXXX when i was on XXXX. I have never received a letter or phone call or anything having to do with this company till XX/XX/2020 when it appeared on my credit.
Product: Money transfer, virtual currency, or money service

Many times I XXXX the wrong person and lost my currency
Product: Mortgage

My wife contacted SunTrust bank about a possible deferment at the end of XXXX / beg of XXXX. SunTrust said they are only offering a forbearance and she declined. She tried to Make the payment on our first mortgage and it is blocked from us being able to pay. She called them multiple times over the last few weeks and has been waiting for a call back. I was able to call last week ( XXXX ) on the way home and got through. I was told that the act of us calling placed us on a forbearance. I asked to be taken off Immediately and pmts reinstated. We still arent able to make pmts. We tried calling this evening ( XX/XX/XXXX ) and at XXXX the recording states their offices are closed even though their hours are till XXXX. They state on the recording that they have 8 hour hold times and to leave your number for a call back. We just want to make a pmt on our first mortgage just like our second mortgage which is also with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX  XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX  XXXX of inquiry : XXXX XXXX  Date of inquiry : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XX/XX/2023 I requested the credit bureaus to investigate every piece of information on my credit report. Below is the enclosed listed accounts. Attached is a copy of my tracking number #. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still, not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/2019, my wife, daughter, and I each received letters via U.S. mail from USAA Federal Savings Bank in XXXX XXXX, Texas, that the bank had chosen to " exercise its right to no longer do banking business with '' us. The letter further stated that " certain obligations were not met '' without elaborating on the nature of the supposedly unmet obligations. 

Within the following month, the bank did indeed close all of our checking, savings, and credit card accounts. According to FCRA, ECOA, and similar regulations, financial institutions must provide rationale for adverse actions taken against customers. Our numerous phone calls to the bank, and even a letter we penned to the president of USAA, went unheeded with responses of " There's nothing we can tell you. '' To make matters worse, we are still insurance customers of USAA " in good standing '' ; however, when the bank terminated our banking relationships, the bank also disabled our access to the USAA.com website -- including online access to our insurance documentation. Our requests for the bank to reinstate our access to the website ( so we can print automobile insurance ID cards, make insurance payments, and the like ) have been ignored. 

Other USAA insurance customers in good standing have access to the USAA.com website. The fact that USAA refuses to reinstate our website access is unfair and unequal treatment, based solely on their unrelated refusal to continue a banking relationship with us. 

To summarize, USAA must provide specific reasons for their adverse actions against our checking, savings, and credit card accounts, and must reinstate our access to their website for our continuing insurance relationship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the Bureaus XX/XX/XXXX regarding Account number XXXX which is a " XXXX XXXX account ''. In our communication each Bureau notified me that they " verified this account, '' and that " all information regarding this account was accurate. I then reached out to reach a mediation point with XXXX XXXX regarding this account and from speaking with them today XX/XX/XXXX I was informed that they : " aren't reporting this account to the four national credit bureaus, '' and that " this account was sold XX/XX/XXXX '' however as of Today XX/XX/XXXX this account is still on my credit profile. As a consumer I have the right to a credit report that is 100 % accurate. This account needs to be deleted from my credit profile IMMEDIATELY! I have also included a copy of that complaint in case the bureaus try and neglect my complaint. The response directly from XXXX XXXX  is on page 3 of the complaint where it details when the account was sold. The bureaus however are still reporting that this account is with XXXX XXXX.
Product: Credit reporting

There are negative items that I disputed with XXXX and XXXX and now I need Equifax to fix the one on theirs. Also my DOB is in wrong it 's XX/XX/XXXX not XX/XX/XXXX and also my middle initial is XXXX not XXXX.
Product: Checking or savings account

On XX/XX/2020 Citi bank allied a merchant to deduct founds from my account in the amount of {$190.00} at XXXX ET. The merchant in question did nit have access to this debit cards information and this is not the first time a merchant has gotten access to a new debit cards number owned by me without my authorizing it. Ive disputed the first merchant XXXX deductions for {$16.00} from my account ; when I called the bank the first time they told me MasterCard is sharing my card info with previous merchants they stopped it and now its happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX # XXXX & XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX XXXX Account # 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 furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2021, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to these fraudulent investment companies.
Product: Credit reporting

Today I check my credit it had drop by XXXX points which left me very up set with the error with both credit reporting agencies. Regarding " XXXX XXXX amt.. {$360.00} '' which is erroneous. Please fix the problem immediately please.
Product: Mortgage

Chase Mortgage transferred my mortgage to XXXX XXXX. 
The home was purchased in XXXX for XXXX then in XXXX, I owed XXXX on the home but in XXXX I owed {$120000.00} on the principal AND another {$46000.00} on the home. Totaling {$170000.00} by the time the home was foreclosed I owed {$190000.00} on the home. How can I owe an additional {$80000.00} on a home that was foreclosed upon. I never took out any loans or extra mortgages or pulled money out of the account. Chase is not explaining how and why and how this debt was inflated a whopping {$80000.00}.
Product: Debt collection

XXXX  XX/XX/XXXX I received a letter from southwest credit systems stating i owe XXXX to XXXX XXXXXXXX. this is the third time I received a debt collection letter from this company. I never used XXXX XXXX I live in XXXX  XXXX. I called the company right after I opened the letter, they pretty much tried to collect the debt I told them I'm not paying it its fraud and that this is the third time this happened I was giving steps to dispute debt, but they are asking me for almost a XXXX police report for when I first reported my identity being stolen and used a crossed XXXX and that's when I decided to contact the cfpb again the account number is XXXX I'm positive if you check the account information on where ever XXXX  XXXX was being used at it does not match with mine I don't need and never used XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some Inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> The bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX we, XXXX XXXX XXXX, have conducted the payment in the amount of USD XXXX from our account with XXXX to account of XXXX ( XXXX ) XXXX XXXX  XXXX XXXX opened with XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XX/XX/XXXX XXXX was designated under the XXXX XXXX XXXX. Considering this, our payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, we need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, we can not apply to OFAC for a license that is necessary to unblock our funds because to do so, we must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. On XX/XX/XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX  asking them to clarify if the payment was blocked and reported to XXXX and when. JP Morgan Chase Bank has not responded. Further we continued to try to contact JP Morgan Chase Bank via XXXX from XXXX XXXX asking them to clarify the status of the payment by many requests as from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. JP Morgan Chase Bank has responded only once on XX/XX/XXXX that they were unable to execute our request due to sanctions and/or internal JP Morgan Chase Banks policy and they considered this matter closed and no further action would be taken. Thus, we can not apply to OFAC for a license that is necessary to unblock our funds.