23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I recently did a refinance on my XXXX mortgage with XXXX ( I believe it was a HARP refi ) and they were able to get my interest rate down to 4.25 % from 6.75 %. This reduced my payment by {$500.00} per month ( Kudos to XXXX ). But the problem that I have is actually with my XXXX mortgage which is with Citibank. With Citibank, I am stuck in a 8.125 % interest rate loan with huge balloon payment due in 5 years. Over the past 10 years, I have only managed to pay {$5700.00} in principal against the original {$57000.00}. Aside from the {$15.00} in interest I pay on a daily basis, I ca n't see how I will make the balloon payment unless I win the lottery. The loan was part of an XXXX piggyback deal predicated on the market going up. When the market tanked, my house lost half its value and I am still underwater. When I called Citibank on XXXX at XXXX PDT I spoke to XXXX different representatives : XXXX, XXXX and XXXX. It was very confusing being transferred between departments. They kept asking for the same information which I provided XXXX different times counting the automated system. The end result was XXXX telling me that Citibank ca n't help me.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality Under 15 USC 1681, I told the experian, XXXX, and XXXX credit reporting agencies to reinvestigate these accounts. However, they stated everything was complete and accurate, but how is that possible if the open date of last activity and more is incorrect? I'm asking for debt validation with my signature for each company i list. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ALL HARD INQUIRIES to 15 USC 1681 I. 5, they are supposed to modify accounts that are not reporting. Correctly, 15 USC 1681 section 602 A, states I have the right to privacy. 15 USC 1680 1, section 604 ( A ) section 2. States a reporting agency can not furnish an account without my written instructions. 15 USC 1681. C, a it, 5 states. No consumer reporting agency can make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions? Or crimes which antedates the report by more than 7 years. 15 USC 1681 's. - 2 ( A ), ( I ) A person shall not furnish any information relating to any consumer reporting agency. If the person knows or has reasonable Cause to believe that the information is incorrect or inaccurate. If these companies are not removed off of my credit report I will have no choice but to take an action of recourse. Thank you for your cooperation.
Product: Debt collection

On XXXX XXXX,2017, my credit report revealed HUNTER WARFIELD INC, a collection company had submitted a debt in the amount of {$3600.00} to credit bureaus.These credit bureaus are reporting said debt, which these individuals have no right to collect on anything that was not provided to me with basic protections under the FCRA. Hunter Warfield inc, should ensure this information is correct prior to submitting it the credit bureaus as this is affecting my approval and credit score which costs me greatly in higher interest rates. Additionally, this collection agency may not have the authority to collect on said alleged debt.
Product: Credit reporting

There really is n't anything like what I 'm dealing with listed for me to choose from. So I chose " incorrect information on my credit '' because it is the closest thing I could find. Equifax has been dropping my credit score with no good reason lately. Not just a little fluctuation either. I have no collections, excellent credit card utilization and excellent payment history, yet EquiFax dropped my credit score XXXX points in one week!!!! I had a XXXX a month and a half ago and now it has dropped to XXXX! This is unacceptable and VERY inaccurate!! There is no good reason for a score to drop that significant that fast when my credit is n't no where near bad enough to justify it. I have actually had several things removed completely from my credit and gotten new credit cards and paid them on time over the last couple months. It makes no sense that my credit score would drop XXXX points in one week. There is something illegal and shady going on at EquiFax. 
I want my score restored back to what it was.
Product: Credit card

XXXXFORTIVA Why did they closed my account when it was paid in full and keep report it to the credit bureau.By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Its my understand that you will recheck these items with the creditor who has posted them, Please remove any. information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX/XXXX-Date of Inquiry XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2022. Here is my tracking # XXXX to remove personal information that I dont want on my credit report. According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, No financial institution is not supposed to share my personal information to third party people.

These are clear violation of my federally protected consumer rights.
Product: Vehicle loan or lease

Subject : Formal Notice Regarding Account Payment Discrepancy Reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CNAC, I hope this letter finds you well. I am writing to bring to your attention a recent discovery regarding the payment method for my car finance account. 

Upon careful review, I have realized that I have been making payments on the account incorrectly. In an effort to rectify this matter, I would like to officially document this discovery and inform you of my intention to discharge this debt either through a XXXX or by properly endorsing the promissory note. 

For transparency and good faith, I want to express my reluctance to settle this account using Floating Rate Notes or bi-weekly ACH, as it may inadvertently place me in a position that conflicts with Congress 's definition of an enemy of the state which I wish to avoid. 

Furthermore, I request the release of my vehicle title from the XXXX, as there is no longer a lien on the collateral. Additionally, I request the deposition of any securities and FRN payments made into my XXXX account. Failure to comply with these instructions may be considered securities fraud, as defined by Congress and the U.S. Treasury. 

It is crucial to clarify that I am not willing to participate in activities that could potentially involve securities fraud or operate outside the appropriate fiduciary role. As I am not a member of the XXXX XXXX XXXX, I can not pay debts in FRNs and insist on an alternative resolution. 

I appreciate your prompt attention to this matter and look forward to resolving it amicably. You have 21 days from the delivery of this notice to assist in rectifying this matter. No collections on the account and/or repossessions of the vehicle can take place. I can be reached via US Postal Mail and email communications. Do not call or text me. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Capital one was FULLY paid, this was2018 i was a kid who didnt understand money, finances or banking i was only XXXX XXXX XXXX and I paid the entire bill soon as I understood what the account being overdrawn was from. 
This item has been paid years ago since 2018 and i am trying to open a business, and start my life and you are holding me back from doing that because you continue to keep this on my record but it is FULLY PAID OFF.. This is nonsense its been years since the account was opened, I demand this be removed or i will take legal action in additon, there has been no proof or correspondence explaining where all these fees came from, how they were charged and if they were correct nor who charged them. I have filed disputes and you keep ignoring them i demand this account removed from XXXX immediately without any further delay. This is absurd, harrassful and horrible to do, in addition i was treated unfairly by staff when i questioned these fees, and no one would assist me in learning the process or explaining the fees and process. YOU failed me at this level and i am demanding that the very least you remove this from XXXX XXXX today you have punished me enough I WAAS A KID who never had an account before i had no idea what i was getting my self into. if it is not removed i will go to social media, news, and take legal action and sue you! REMOVE THIS FROM XXXX XXXX RIGHT NOW- I WILL PUBLISH THE ABUSIVE MANNER YOU HAVE HANDLED A NIEVE KIDS EXPERIENCE AND MAKE IT PUBLIC SO PEOPLE KNOW NOT TO USE YOU AS THEIR BANK AS YOUR NOT TRUST WORTHY
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax Consumer Reporting department. I have expressed that there is a security Alert on my report for fradulent inquiries. There should be no unauthorized inquiries on my report due to a security freeze. They have stated I need to provide 3 forms of ID to access my report file and refuse to speak to me surrounding my report. I have provided them with the requested information, contacted the companies and they still refuse to remove the inquiries and fradulent accounts from my file. I ca n't even get them to access my file anymore over the phone. I have provided them with the necessary identification but they refuse to let me call in and speak to any representatives.
<P/>
I have provided the letters I have sent and they refuse to remove them. They refused to obtain proof that I authorized the inquiries as well.
Product: Debt collection

I called XXXX XXXX the last week of XXXX and the first week of XX/XX/2018 in an attempt to try to pay the past due balance of XXXX. When I reached out to them they told me that the debt was too old and they can't receive payment from me. I was told the account had been forwarded to their legal department and reported it to the IRS and legal action was being taken. Then I was told the account had been sold. When I asked who was the third party it had been sent to, I was first told was unknown then I was told that I could not get that information and had to wait to be contacted. I am currently still waiting to be contacted and have not heard anything from anyone but they keep negatively reporting it on my credit report every month despite my attempts set up arrangements to pay the debt.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly 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, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the XXXX XXXX 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 l necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per 15 U.S. Code 1681e ( b ) - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The account from XXXX XXXX  XXXX falsely reports this account with all reporting agencies, to varying reporting information. You are reporting this account monthly CHARGED OFF as of XXXX. XXXX XXXX  issued me a 1099-C on XX/XX/XXXXXXXX   which establishes this account as taxable income. Income is NOT reported to consumer reports, thus, your reporting is a violation of the FCRA. 

This bureaus did not complete an investigation under 15 USC 1681i and the information reported inaccurate and violates the compliance guidelines set under the FCRA. 

XXXX  reported completing an investigation, however, the date the information was LAST verified was XXXX 

Equifax and XXXX did NOT provide me results as requested. XXXX made the baseless claim that my dispute did not come although the letter was addressed directly from me.
Product: Credit card

In XXXX  someone used my identity to fraudulently apply for a Barclays XXXX XXXX. Barclays approved the application and the person proceeded to purchase items from an Old Navy store in Ohio. Total charges over {$360.00}. 

I received a delinquent payment letter in XXXX  and called Barclays to tell them I do not have a credit card with them. I reported this as fraud, and they said they would perform a thorough investigation. After investigating, they told me I was responsible. I was able to get a copy of the credit card application which had some accurate information but also had inaccurate information. 

Barclays said they would perform another thorough investigation. Soon I received another letter stating I was responsible for the charges. 

This has gone on for 2 years and multiple phones calls with Barclays. When I call Barclays I get routed to many departments ( Fraud, Collections, customer service, etc ) but it is still not resolved. 

I then sought the help of XXXX XXXX identify theft department. XXXX ). XXXX XXXX called me, and we discussed it and then had a conference call with Barclays. 

They have finally agreed that the application was fraudulent but that I still owe them the money! That doesn't make sense. 

I have filed a police report with the XXXX Texas Police department. The report number is XXXX. I have also reported this to the Consumer Protection agency of Texas.
Product: Debt collection

I HAVE RECEIVED A GARNISHMENT AGAINST MY WAGES THAT DOES NOT BELONG TO ME. I HAVE ATTEMPTED TO OBTAIN A RELEASE FROM THE GARNISHMENT, BUT, THE COMPANY NAMED ON THE GARNISHMENT ( ACTION FINANCIAL SERVICES LLC ), WHEN CALLED, REFERRED ME TO ANOTHER COMPANY, XXXX XXXX XXXX AT XXXX XXXX XXXX  XXXX, XXXX, TX XXXX. I HAVE BEEN UNABLE TO RESOLVE THE MATTER ON MY OWN, THEREFORE, PERHAPS I MAY OBTAIN ASSISTANCE FROM YOUR AGENCY. A COPY OF THE GARNISHMENT IS ATTACHED. 

THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I have about 20+ inquiries on my XXXX reports that I had no knowledge of until I was trying to get a house. These inquiries was not authorized. I already attempted to inform the agencies and the bureaus to no avail.. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX,, XXXX XXXX  XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/ XXXX XXXX XX/XX/XXXX, XXXX  XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

LVNV FUNDING LLC XXXX, is trying to collect a debt that is not mines. This is identity THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/2020 XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/year> ] XXXX XXXX Experian Subject : Request for Investigation and Removal of Negative Items Dear XXXX, XXXX, Experian I am writing to formally dispute certain items that appear on my credit report dated [ XX/XX/year> ]. The accounts in question are as follows : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. Achieve Personal Loans I have reviewed my credit report, and I believe that the entries listed above contain inaccuracies or outdated information that do not accurately reflect my credit history. 

Provide a brief explanation of why these items are inaccurate ( e.g., paid off, incorrect balance, identity theft, etc. ). Be sure to include any relevant evidence you might have, such as payment receipts, correspondence with the creditors, or identity theft reports. ] According to the 15 U.S. Code 1681 Fair Credit Reporting Act, I am entitled to dispute inaccurate information contained in my credit report. I kindly request that you investigate these accounts and confirm their accuracy. If you find that these accounts are indeed inaccurate, I ask that you remove them from my credit report as soon as possible. 

Please find enclosed copies of any supporting documentation that substantiate my claims. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your help in resolving this issue. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I was approved for a loan through Greensky LLC. I received email stating I was approved. The loan was for work I was having completed on my home. Once the work was completed, I contacted Greensky to submit funds so I could pay for the services. On XX/XX/XXXX, I was told the loan was no longer approved and had to contact the fraud department for additional information. I contacted the fraud department and was told I needed to submit a copy of the front and back of my drivers license in order to be reconsidered for the loan. I submitted a copy that day and received an email that it was received. I was told this is requested for all customers. I also requested that the line of credit be decreased since we did not need what was originally approved. They stated once the loan was reactivated it could be decreased. 
I then received a letter dated XX/XX/XXXX from Greensky ( attached ) that the loan and request for a credit limit increase was declined. It also stated that our credit was ran through XXXX and information received was the reason for the decline. 
When I called on XX/XX/2022, I was put on hold for over 25 minutes by the associate picking up the line and placing me back on hold several times. I believe this was done intentionally hoping I would hang up because they did not want to talk to me or approve my loan. When I finally did talk to a manager, I was told I was not declined but they needed an additional copy of my drivers license. Between XX/XX/XXXX and XX/XX/XXXX, I did not receive communication that any additional information was needed. I inquired why we received a decline letter if the loan was previously approved and if all that was needed was a copy of the license that they already had, I should not have received a decline letter for that reason. I also inquired why my credit was pulled additional times. Greensky could not explain why I received the letter and stated I was not declined and could not verify if my credit was pulled multiple times. 
I am worried that my credit was pulled multiple times and is now affecting my credit and credit score and that they did not want to approve the loan because I am elderly.

I believe Greensky has insufficient business practices and is practicing disparate treatment towards the elderly.
Product: Mortgage

On XX/XX/XXXX, Ditech received a {$280.00} refund of an overpayment on my property taxes from XXXX. My mortgage account with Ditech was paid in full XXXX. I have called four times requesting a refund of this money and continue to get the run-around on why the money hasn't been sent, how one department has to request another department refund the money, and when I should expect to receive the money. Each time I call I get a different story about the status of my refund.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), which involved me making deposits for a total amount of XXXX XXXX  from my JPMorgan Chase Bank account to fraudulent investment firm.
Product: Student loan

Navient has been reporting me as 30, 60, 90, 120 days late on my student loan while I am on hardship forebearance. I have the physical paperwork reflecting all of this as well as the e-paperwork. My credit score has gone down XXXX points in the last 30 days because this is the only time I have ever been reported for being late on a payment. It destroyed my plans of buying a car and has costed me who knows how many job opportunities as I 've also been attempting to change career fields. Now I think I know why I mysteriously was having an extremely hard time getting calls and interviews more so than at any time in my entire XXXX years of life. I will take them to court I will blast them on every web site in existance every day if I have to because this is CRIMINAL.
Product: Debt collection

On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX  to report my husband unexpectedly passed in the state of Florida, and due to big expenses, I will not be able to make the payment and would like to know if they can provide an extension for the missing payment. XXXX XXXX denied this request. Due to the loss of my husband, I saw myself without work for a period of 8 months. On XX/XX/XXXX. XXXX XXXX XXXX placed a XXXX XXXX # XXXX again my salary for the amount of {$4500.00} 10 % of my salary was deducted from my paid period until fully paid. {$4800.00} including taxes and fees on XX/XX/XXXX The Judgement was fully satisfied by court order. On XX/XX/XXXX, Midland Credit Management report this account as a Collection account with past due as of XX/XX/XXXX with a balance of {$6400.00}. Account validation was sent and no response was received. This account has been duplicated on my credit report one account under XXXX XXXX XXXX and the other under Midland Credit Management. Please see attached documents.
Product: Prepaid card

I request copies of checks issued to XXXX XXXX XXXX that were sent/paid from my bill pay for the following dates XX/XX/XXXX - XX/XX/XXXX.