23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We were denied request for assistance on the loan modification. CHFA is not taking any of our phonecalls. I call and they hang up. I call regarding my existing loan and they take more than XXXX hours to answer and then " accidentally '' hang up. I feel they are forcing me to lose my home. They have never tried to call me to fix my loan, they are foreclosing without properly notifying me or my family. I have a family of XXXX currently living at our home. I am trying to modify my CHFA loan and they continously deny and close all of my requests after I have provided them with everything they ask for. Its not fair or ethical at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries listed on my Experian and XXXX credit report was opened without my authorization and the accounts and credit inquiries are fraudulent accounts and credit inquiries : XXXX XXXX  XXXX {$280.00}, XXXX XXXX XXXX XXXXXXXX XXXX {$380.00}, XXXX XXXXXXXX XXXX XXXX {$2000.00}, XXXX XXXX XXXX XXXX {$5600.00}, XXXX XXXXXXXX XXXX  XXXX {$580.00}, XXXX, XX/XX/XXXX and XXXX XXXXXX/XX/XXXX XXXX Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Payday loan, title loan, or personal loan

I completed a prequalification application on the carecredit.com website on XX/XX/XXXX. They declined my application for credit. The website said they would provide me a written response for denial in 7-10 business days. As of XX/XX/XXXX ( 15 business days ), I have not heard from them. I called them and they refused to provide me with anything. My denial of credit does not make sense. I have an XXXX XXXX score and XXXX figure income and no delinquency on my credit report. I believe they denied me credit based on age or by mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been a major disappointment for me to say the least. I'm absolutely not satisfied with the " investigation '' process of XXXX, Experian, OR XXXX. Not only have they been reporting in accurate information from me for multiple years and profiting from taking corners. They have done 3 in proper investigations on my credit profile. After Covid, My fiance and I have been searching for somwhere to live, and sadly my credit has been a major road block. These LONG response times, are even more concerning when they are clearly breaking the law. 
Again, I have 2 accounts that i NEED deleted immediately. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX In my attachments i will have HIGHLIGHTED information that provided evidence of my consumer rights being violated and also listed below will be the most recent law they have violated. 
15 U.S Code 1681i- Procedure in case of disputed accuracy ( 5 ) ( D ) ( 5 ) ( D ) Automated Reinvestigation System Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results to a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agency. 
XXXX has Deleted XXXX XXXXXXXX off of my credit profile, consumers agency 's need to relay this information, and its sad that im having to go through MANY complaints through these consumer agency 's directly, the CFPB, XXXX  and EVEN the attorney to find a resolution. 
AGAIN attachments are ATTACHED TO EMAIL. 
PLEASE DELETE ACCOUNTS immediately IF they did " PROPER '' investigations there is NO possible way to have this many mistakes, 3 investigations in a row. 
THIS is a HUGE violation of my rights
Product: Debt collection

Selip & Stylianou firm continues to call and harass me with unwanted calls at all hours of the day and night demanding payment for student loan debts that NEVER EXISTED. I have no student loan debt of any kind past or present but the continue to call and demand payments. I have requested them to stop the unwanted calls but they have not complied at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and Im writing to dispute certain information on my credit file resulting from the crime. On XXXX ( 11 ACCOUNTS ) that where reporting on my credit file where ( REMOVED/DELETED ) without my consent nor authorization. Im requesting for these 11 accounts to be ( RE-INSERTED BACK ON MY CREDIT FILE ) ASAP! WHEN I CALLED TO SPEAK TO A AGENT TODAY I WAS INFORMED THAT MY ENTIRE CREDIT FILE HAVE BEEN DELETED OF ALL OF MY ACCOUNTS AND PERSONAL INFORMATION! THE AGENT ONLY SEE 1 ACCOUNTS REPORTING WHICH IS A ACCOUNT THAT ( IS NO LONGER REPORTING ON MY CREDIT FILE )! I HAVE A TOTAL OF 11 ACCOUNTS THAT ARE REPORTING ON MY EQUIFAX CREDIT FILE!!!!!! I WAS ABLE TO LOG INTO ( MYEQUIFAX.COM ) TODAY ON XXXX AND IT SHOW ALL OF MY PERSONAL INFORMATION, REVOLVING, AND INSTALLMENT LOANS REPORTING ON MY CREDIT FILE. WHEN I CALL INTO THE FRAUD DEPARTMENT OR CUSTOMER SERVICE THEY ARE TELLING ME THAT MY ENTIRE CREDIT FILE HAS BEEN DELETED! THAT NO ACCOUNTS ARE REPORTING AND NON OF THE ACCOUNTS I HAVE HAD ARE REPORTING ON MY CREDIT FILE! I HAVE HAD CREDIT FOR OVER 8 YEARS AND NOW MY CREDIT FILE HAS BEEN WIPED CLEANED! WHAT HAPPENED TO MY EQUIFAX CREDIT FILE? 

I AM ATTACHING MY CURRENT UPDATED CREDIT REPORT THAT IS SHOWING ON ( MYEQUIFAX.COM ) AND ALSO (XX/XX/XXXX) SHOWING THAT ALL OF MY ACCOUNTS WHERE DELETED ON TODAY XXXX!!!!!!!!!!!! 

*************************ATTENTION***************************** MY CREDIT FILE NEED TO BE FIXED AND MY ACCOUNTS NEED TO BE BACK REPORTING ON MY CREDIT FILE ASAPI NEED MY EQUIFAX CREDIT FILE TO BE UPDATED, AND MY ACCOUNTS THAT ARE SHOWING ON MY CREDIT FILE TO BE ADDED BACK ASAP! PLEASE ADD & RE-INSERT THESE ACCOUNTS BACK TO MY CREDIT FILE ASAP!!!!!!!!!!!!! 
***************************ATTENTION*************************** I AM ATTACHING MY CURRENT EQUIFAX CREDIT REPORT AND XXXX XXXX REPORT TO THIS FAX TO SHOW THE ACCOUNTS THAT WHERE REPORTING AND YOUR DEPARTMENT REMOVING THEM OFF OF MY CREDIT FILE! ADD MY 11 ACCOUNTS BACK TO MY CREDIT FILE ASAP!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

PLEASE INVESTIGATE THIS ISSUE IN A TIMELY MANNNER, AND PROVIDE ME WITH A WRITTEN RESPONSE. I HOPE THAT YOU TAKE IN CONSIDERATION MY CONCERNS REGARDING THIS MATTER, AND I HOPE TO BE HEARING FROM YOU IN THE NEAR FUTURE.
Product: Consumer Loan

In XXXX of XXXX I signed for an auto loan with Wells Fargo Auto Finance. In XXXX of XXXX I moved from the address they had on file with me but the car stayed with my wife at the old address. On XXXX XXXX XXXX I mailed Wells Fargo a change of address letter. I never started receiving bills at my new address so on XXXX XXXX XXXX I sent another change of address letter but again nothing was changed. In XXXX of XXXX Wells Fargo transferred this account to Wells Fargo Dealer Services. The last payment on the account was in XXXX of XXXX. At this point the title was then mailed to the old address so I never received it. In XXXX I had to call WFDS and ask them to send me a title to my new address so I could see the car. They would n't send me a title, just a release of lien so I could go down to the tax office and get a new title. Because they never changed my address and billed to the correct XXXX I had several late payments with them that are still adversely affecting me today. I would like these late payments removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several times the XXXX account and some XXXX  account was removed as it was the result of fraud and added back in with no notice and no new additional information provided to validate said debt it was added back based on the the same information as when it was deleted both accounts are the result of fraud not only that but several times the creditor collect accounts for these have been removed and re added under new names with no new information to prove said debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Individual : Bankruptcy XXXX XXXX, XXXX - {$0.00} Discharged CH-XXXX Overview Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type Individual Responsibility Individual XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX + {$200.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$160.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$27.00} Needs Attention XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX + {$21.00} Needs Attention XXXX   XXXX XXXX Reported : XXXX. XXXX, XXXX + {$96.00} Needs Attention XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX + {$190.00} XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$23.00} Needs Attention XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX + {$63.00} Needs Attention XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX + {$29.00} Needs Attention XXXX   XXXX XXXX Reported : XXXX. XXXX, XXXX + {$23.00} Needs Attention XXXX XXXX A Reported : XXXX. XXXX, XXXX + {$430.00} Needs AttentioXXXX XXXX XXXX  Things like bankruptcies and legal judgments against you can show up on your credit report and do some damage to your score. 
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$39000.00} Needs Attention XX/XX/XXXX Creditor Name XXXX  Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- accounts not mine or ftc violations
Product: Credit card or prepaid card

I applied for the Citi Premier card in response to their offer of XXXX Thank You points for spending {$4000.00} in the first 3 months of opening the card. The card has rejected my attempted charges numerous times. This morning I tried to make a purchase that was declined. This happened after a decline charge yesterday, After I verified the charge is scenario has played out numerous times in the past week or 2. 

It actually seems like the bank 's " fraud '' system is functioning in a way to intentionally make it difficult for me to spend enough money to earn the bonus they offer in their promotional offer.
Product: Credit reporting or other personal consumer reports

I was stunned to see inaccurate accounts suddenly appear on my credit report this morning, and Im at a loss as to why this is happening. I checked it like I normally do, but these errors just came out of nowhere. I even thought it might just be a browser issue, so I refreshed it, but the accounts remained. Im deeply frustrated and am requesting that the documents Ive provided be carefully reviewed to ensure this never happens again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account listed on my credit record as sent to collections for non-payment. This is incorrect for several reasons. The account was open in XX/XX/XXXX at the XXXX  college of XXXX two months after I opened the first loan in XX/XX/XXXX. The loan opened in XX/XX/XXXX, went into in school forbearance in XXXX, while the XX/XX/XXXX loan went supposedly into collections. I was never contacted by a debt collector to recover this amount of {$2700.00}. This is the only student loan that I am having an issue with even though it is not my oldest loan. I am currently in good standing with other loans. Ive contacted XXXX, XXXX XXXX XXXX, the federal student loan debt hotline, and everyone has stated that I am not nor have I ever been default on a student loan. When I disputed it, my credit file was updated to say I paid the account which is totally false I have not paid any student loans as I have recently completed my XXXX degree.
Product: Mortgage

Through XXXX I received a trial loan modification from DiTech which began in XXXX, 2017 and successfully completed my payments in XXXX, 2017. I have been waiting since the completion of my final trial loan medication to receive my finalized loan modification documents. XXXX, XXXX XXXX XXXX worked with a XXXX . XXXX in DiTech through this process, however in XXXX, 2017, DiTech forwarded to me through their attorney Default asking for the amount that I am paying through Chapter XXXX. I have been current and so they withdrew those documents. Now they are refusing to forward me my finalized loan modification documents. When I got the loan modification I was told by my bankruptcy attorney and XXXX that my payments to the Trustee would be reduced or cancelled once I received the final documents. DiTech after months of trying refused to speak to XXXX and they have my written consent to do so, and they refuse to speak to me. When I call they tell me that they are still working on the documents. When I ask how long its going to take or why is it taking so long, they wo n't answer and try to brush me off to the loan modification unit which only transfer my call back to the bankruptcy unit. My attorney called them last week, on the XXXX to be exact and was told that I would receive my documents when I made my final payment in XXXX. I never received any thing from DiTech informing me that they had changed my trial loan modification documents and when I contacted XXXX XXXX of XXXX they had no knowledge of this either. So I immediately called them back and they informed me that they were still working on the final papers. They had no problem sending me a Default notice to foreclose on my house in XXXX, which they withdrew once XXXX and my attorney got involved and we sent them copies of the trial modification submitted by them. They have made it virtually impossible to live. I pay the trustee XXXX per month and them XXXX. So they are collecting monies from the trustee which should be stopped because those amounts were added to my trial loan modification, plus my monthly mortgage which increased from XXXX to XXXX. I ca n't afford my medication, to buy food, pay my utilities and if the Federal Government was n't paying my transportation costs to and from work, I would n't be able to get to work. Please make them forward me my final loan modification papers. They are illegally getting money from the Trustee and me and they have gone up twice on my mortgage since I 've filed bankruptcy and my homeowners payments decreased by XXXX. Please help me. Thank you. PS I won several class actions suits, though not a lot of money, for predatory lending and submitting false balances on my account, like they did to others. Please help, I am XXXX and need my medications or I could die. I have XXXX XXXX XXXX, XXXX, and some other aliments I would like to keep private.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$59.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX # XXXX opened on XX/XX/2020 with a balance of {$59.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

There is an Apple card GS bank credit card opened and being used in my name, but its not my credit card and I never opened a card with this account
Product: Debt collection

To satisfy an alleged debt with the furnisher, I agreed to make payment toward the account GSFA Loan Servicing are reporting. According to the agreement, which I included for your review, the defaulted status removal was contingent upon the on-time payment of XXXX XXXX monthly AFTER 9 consecutive months, the probationary period starting XX/XX/XXXX, and ending XX/XX/XXXX. I signed the contract to solidify this agreement, XX/XX/XXXX. However, the report retroactively dated this payment to XX/XX/XXXX, which is false because during that the account was in default with the furnisher.
Product: Debt collection

I settled a debt in collection with True Accord for my XXXX account that were collecting on behalf of XXXX XXXX XXXX, XXXX.. They are still reporting that I owe a balance. I made XXXX payments of XXXX on a XX/XX/year> and XX/XX/year>. I've made multiple complaints through the credit bureaus saying this account was settled but they have disputed my claims. I have emails showing that payment plan we agreed upon and refused to remove it off my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

all ftc violations listed : XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 77 Months Monthly Payment {$850.00} Responsibility Joint Account Balance {$39000.00} Highest Balance {$37000.00} Payment Status 90-119 Days Late Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$3000.00} Times 30/60/90 Days Late XXXX Remarks Affected by natural disaster Creditor Name XXXX XXXX Account Type Telecommunications/Cellular Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$360.00} Highest Balance {$360.00} Payment Status Collection/Charge-Off Worst Payment Status - XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$130.00} High Balance {$130.00} Remarks Medical XXXX XXXX {$330.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX  Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$330.00} High Balance {$330.00} Remarks Consumer disputes this account information XXXX XXXX XXXX {$200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$200.00} High Balance {$200.00} Remarks Medical XXXX XXXX XXXX  {$830.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$830.00} High Balance {$830.00} Remarks Consumer disputes this account information XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$130.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX + {$360.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$150.00} Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$830.00} Original creditor : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I informed XXXXXXXX XXXX XXXX THAT I AM A VICTIM OF IDENTITY THEFT!!! and they responded by saying that this account is verified, this is impossible, I am the only one who can verify any account on my credit report!!! This account is an unauthorized account, its a product of my identity being stolen.
Product: Money transfer, virtual currency, or money service

Capital one has been holding on to my direct deposit since Wednesday because of technical difficulties. We were told the money would be in our account by Friday. Its not in the account and no updated timeline has been given.
Product: Checking or savings account

I am reaching out to formally request the reopening of my checking account or starting a new checking account in which my original account was previously closed due to fraud and identity theft. Additionally, I would like to dispute any outstanding balance or charges associated with this account, as they were not authorized by me. 

Upon reviewing my records, I discovered that fraudulent activity led to the closure of my account. As a victim of identity theft, I am requesting that Chase conduct a full investigation into the transactions and charges associated with this issue Under the Fair Credit Reporting Act ( FCRA ) and applicable banking regulations, I request : A full review of my case, including any fraudulent transactions. 
The removal of any unauthorized balances or negative reports associated with my account. 
The opportunity to reopen my account in good standing, as the fraudulent activity was beyond my control. 

Please confirm receipt of this request and provide me with the next steps regarding the dispute process and potential account reinstatement. I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon disputing this record, TRANS UNION failed to provide a method of verification pursuant to the FCRA. By not replying in a timely manner to my initial letter on XX/XX/XXXX they have not only violated federal law, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I made several goodwill attempts to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. They have continued in non- compliance, as in XXXX XXXX Trans Union Corp. , No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), they will be liable for their willful non-compliance.
Product: Bank account or service

American Express who I had direct deposit from XXXX XXXX has breached SEC rules and regulation. They have stolen money from my account and transferred it to an employee or another account. It was not there money to do so and the XXXX found out that employee assisted with this unauthorized transaction .I am desire all of my money back not just the XXXX back but all XXXX which was deposited because of the harassment and lack of integrity in which this corporation has none. I have had to wait which has caused other payments to be delayed since I am no longer working for a company that takes insurance policies and breaches security when it comes to paying your salary in this form. Please resolve this right away so I can legally pay my bills and hire representation to sue both this organization and employee.