23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

was laid off back in early 2016 I contact my mortgage lender Ditech LLC to talk to them about my current situation. I work in the XXXX as a XXXX and was on a temporary furlow. I read in Ditech 's paperwork that they work with clients in situations where they need temporary assistance. When I contacted them I was told there were no such options for me. I was put in contact with at least 14 different representatives to no avail. All I wanted to do was rectify the situation and get back on track. They pushed me further behind in payments because they kept switching me to different departments/people. I think this is a tactic to put you into foreclosure. I hired a lawyer to help me with the situation and I was then given a loan modification. I did not sign the paperwork because of the terms and when I tried contacting the person on the paperwork they never called me back - at least 12 messages. I did not want to sign something that was given to me that in the letter is clearly stated if any questions before signing contact so and so. 

After paying for help they continually pushed me further behind asking for proof that I was back to work I showed 12 months of paystubs and they came back with a determination that the hardship was not satisfied. The hardship was absolutely temporary and resolved. I just want to pay my mortgage we are a family of XXXX and I work in a XXXX XXXX in NJ. Upstanding citizen and I find it very unfair that Ditech states unfactual documents about my situation!! 

Please any help is needed to resolve this matter. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions
Product: Checking or savings account

I represent my wife ( I am a XXXX XXXX XXXX XXXX ). Wife is the pay-on-death beneficiary of her father 's checking account with SunTrust Bank. On XX/XX/2019, her father died. On XX/XX/2019, I submitted paperwork to SunTrust Bank to close the account and forward the funds to her. No response from Bank. On XX/XX/2019, I sent a letter to the bank 's CEO via certified mail, which they signed for XX/XX/XXXX. I received a response directing me to send a " Letter of Instruction '' to the Bank. I did so on XX/XX/XXXX via certified mail, which the Bank signed for on XX/XX/XXXX. I have still not received the funds. Phone calls and emails to the Bank are not returned or responded to. In other words, the Bank seems XXXX bent on keeping our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is fraudulent inquiries in my credit report that I do not recognize. These inquiries are XXXX XXXX with XXXX date ( XX/XX/XXXX ), XXXX with inquiry date ( XX/XX/XXXX ), & XXXX XXXX with inquiry dates ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ).
Product: Credit card or prepaid card

On XX/XX/XXXX - American Express charged me {$190.00} for an annual fee after specifically stating there is no fee via the webpage " ANNUAL FEE The annual fee for The Premier Rewards Gold Card is {$0.00} for the Basic Card and {$0.00} for up to 5 Additional Cards. The annual fee for the sixth or more Additional Card is {$35.00} for each Card. '' is listed for Rates & Fees but the link is broken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to get anybody from the credit reporting agencies on the phone. I wanted to check to see if I had a freeze before I applied for a new credit account. Their website tells me to call. Once I call I get placed into a sales call where they try to sell me stuff for 5 minutes and then get disconnected. I honestly can't believe these companies are the gate keepers for our credit worthiness.. 

1 ) I have no other options since they have all the market share 2 ) they have no customer service and anybody available to answer questions 3 ) Their automated systems are buggy and bounce me around
Product: Credit card or prepaid card

Capital One issued me a XXXX XXXX Preferred credit card. They change the minimum payment and can not tell me, nor is it written anywhere in the terms I agreed to how they decide the minimum payment amount from month to month. I contacted them 4 times on XX/XX/18 to try and get an answer from someone, even spoke to a supervisor. He did not help. I began with a purchase that was maxed out. The minimum payment went up as the balance went down. I was trying to figure this out on my own, since they could never help me. It went up {$82.00} on me and can not tell me why or guarantee it says at that amount. I would like you to tell me if it is legal to cause someone an unexpected payment which can not be planned for and causes them to get behind, with no business reason for it. Otherwise, I want you to investigate. Now, before they pass me off as a XXXX who can not read, I am aware that they add deferred interest, past due amounts and fees to the statement minimum payment. I do not understand where they come up with the statement basic minimum payment when none of that extra circumstance applies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion both maintain erroneous and/or false inquiries on my credit and all efforts made since XXXX to have this corrected have been futile. I sent numerous letters to have them correct these mistakes and they have not removed the inquiries. 

The following companies have indicated they sent letters to the bureaus to remove these inquiries from my file. i provided copies of the letters to te bureaus in vain 1.XXXX 2.XXXX XXXX XXXX 3 . XXXX XXXX XXXX, in the case of 3 inquiries, I was asked to secure letters from the creditors that the inquiries could not be verified and were not made by the company. I secured the letters and was advised by both companies that the letters must come directly from the creditors to the bureau. 

I secured letters from the Creditors and provided them to the bureau and still no actions were taken by the bureau. Neither bureau acknowledge my letter nor provide me with evidence of their investigation. 

I also received notices from the creditors in which 2 of them claimed they have sent letters to the Credit bureau to remove these inquiries from my file as they could not show that I requested credit from them. Yet both bureaus have refused to remove these inquiries from my credit file. 

In the case of a specific inquiry, I could neither verify the existence of the creditors by mail or phone. I notified both bureaus that the creditor does not exist. by informing them that the phone number provided for the creditors were a non-working number and the address provided for the creditor was returned by the US Postal Service as a non-deliverable address. 

Non existing Creditors : 1.XXXX 2 . XXXX XXXX In my telephone conversation with the staff of both bureaus, I was informed that locating and finding a non-existent creditor which they placed on my file was my problem. Unless I could find this non-existing creditor and the non-existing creditor provided them with a letter, they intend to keep the inquiry on my credit file. In essence, the bureaus are insisting that I must magically find a creditor that they place on my file without my knowledge, and can not provide me with valid contact information. The efforts to remove this inquiry from my file is more than a year has cost me hundreds of dollars paid to a professional credit repair firm, and over 40 hours of my time going back and forth with the bureaus
Product: Credit card or prepaid card

I opened a chase british airways credit card. The offer terms stated that I would receive XXXX Points if I spent {$3000.00} on my card within 3 months of opening my card. I have done this. My statement showed that I would receive the british airways points. ( see attached ) However the points did not show into my British airways account. When I contacted chase about this they told me that my British Airways account had to be registered in the USA for  me to receive the points, and that I should change the address on my british airways account to a US address. I have done this over two weeks ago, I called chase and they said they will have the points transferred within a few days however I am waiting over 2 weeks.
Product: Student loan

I received an email from MOHELA stating that the processing of my student loan forgiveness forms is being delayed. I was told to sign in to receive information ; however, when I attempt to sign in, I am told that they have no record of my accounts, so I need to register with a new account. When I attempt to register with a new account, I am told that they already have someone under my ssn. I tried to call and was hung up on several times by the automatic system. My loan was transferred on XX/XX/XXXX and I very close to loan forgiveness and now I am getting the run around by this company.
Product: Credit reporting or other personal consumer reports

Dear XXXX Credit Bureau Executive Office, I am writing to request the removal of the account with XXXX XXXX  ending in XXXX from my credit report. This account and its outstanding balance do not belong to me ; they are the result of identity theft and fraud. I have disputed this matter multiple times, yet the account has consistently been reinserted. I have attached the removal letter from XXXX XXXX  and have also submitted a dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding this incorrect information on my credit report. 

Equifax has repeatedly violated the allowable time frame for resolving and correcting these issues. Therefore, I request the immediate removal of this inaccurate information and prompt attention to this significant matter. All other credit bureaus have already removed this account, and I need this ongoing issue resolved as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX -- - Below is a copy of the information that needs to be removed from my Equifax credit report : **XXXX XXXX This account is currently under dispute **Account Information** - **Account Name : ** XXXX Bank - XXXX Number : ** XXXX - **Account Type : ** Credit Card - **Responsibility : ** XXXX - XXXX Opened : ** XX/XX/XXXX - **Status : ** Account charged off. {$7500.00} past due as of XX/XX/XXXX. 
- **Status Updated : ** XX/XX/XXXX - **Balance : ** {$7500.00} - **Balance Updated : ** XX/XX/XXXX - **Recent Payment : ** - - **Monthly Payment : ** - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( No data for this period ) **Payment History Guide** - Charge Off as of XX/XX/XXXX, XX/XX/XXXX - 150 days past due as of XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX -- - Let me know if you need any further edits! 
XXXX attachment Scanned by XXXX
Product: Debt collection

Hi, I received a letter from a collection agency ( Account Control Technology ) in regards to an account they claim I have with XXXX University. I have never attended or applied to this school. On XX/XX/XXXX, I requested a validation of debt, via mail. On XX/XX/XXXX, they sent me an account statement. This account statement appears to claim I was enrolled in the school for the Summer XX/XX/XXXX quarter. This claim is absolutely false. On  XX/XX/XXXX, this account was added to my credit report. I have disputed this claim with the Credit Bureaus. <P/>This is not the first time this school has tried to collect money from me. I have gotten this account removed from my credit report two times : XX/XX/XXXX and XX/XX/XXXX. This debt keeps being re-inserted under different collection agencies. <P/>I have no knowledge of this account and have never applied to nor attended this school.
Product: Debt collection

This is from Midland funding for the amount 469 more or less this account has been open for years, and I been in and out of the hospital for serious contions. Someone has my info this is why I never made a payment on it. If you can please consider taking this of my acct I would gladly appreciate it. 
Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I am rewriting to address a matter of utmost concern to EXPERIAN regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that EXPERIAN conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, It is with immense disappointment and concern that I write to report a severe case of identity theft and the presence of fraudulent items on my credit report. This situation has arisen due to the unauthorized access and misuse of my sensitive personal information, primarily my Social Security number. 

My information was unfortunately compromised in numerous data breaches, exposing my current and previous addresses, Social Security number, email address, and other sensitive data. It appears that an individual residing at my former address has exploited this information for their personal gain. I have gathered substantial evidence, including instances where purchases have been made under my name and unauthorized access to my email account. 

Adding to my distress, I have been included in over 41 security breaches including EQUIFAX that has exposed my Social Security number, address, and email address, leading to threats and taunts from malicious actors. My information has even surfaced on the dark web, further amplifying my concerns. I am citing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) as case law for furthering my dispute. 

Upon reviewing my credit report, which I had not examined recently due to a lack of credit-related activity, I was appalled to discover the extent of the damage. XXXX identified a separate Social Security number linked to my report in XX/XX/XXXX, which has since been removed. They can confirm this discrepancy if required. XXXX also contains inaccurate information, which I am actively working to rectify with supporting documentation. I have more proof of my identity theft if needed. I have not bothered to check my credit in the past because I was not using my credit and believed I had no need. Until I began to receive crazy emails of debt including hackers threatening me. 

This identity theft and the resulting fraudulent activities have significantly impacted my creditworthiness. I request the immediate removal of the numerous unauthorized accounts listed on my report. I have filed and now waiting for my police report from my local police department who has been a huge help. I have also filed a complaint with the Consumer Financial Protection Bureau. 

XXXX XXXX XXXX XXXX XXXX struggling with the current economic climate, this situation has caused undue financial and emotional strain. I urge you to address this matter with urgency and delete the fraudulent accounts listed on my report. Here are the fraud accounts I would like deleted immediately from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention to this critical matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my free annual credit report from Equifax on XX/XX/2020 and the company has refused to provide it online, referring me to a written request. Subsequently my written request was not honored, since Equifax sent absurd, abusive, and inappropriate " identity verification '' demands to me in a refusal letter. 
Equifax is demanding narrow proofs that are likely not to be obtainable by many reasonable persons, including demands for pay stubs when I have not worked for an employer who provides pay stubs for six months and my employer has not provided pay stubs for past work, a demand for a lease or bills in my name when none of these are in my name as I, like millions of people, am a renter from someone else, and a demand for a driver 's license ( my driver 's license shows another address from what they have on file ).
Product: Vehicle loan or lease

Original complaint XXXX was filed on XX/XX/XXXX. I have received no response from Ally Financial regarding seeking a refund on a cancelled Classic GAP contract. 

The GAP contract was cancelled on XX/XX/XXXX and I have not received a refund. Classic GAP states the refund was sent to XXXX XXXX however they were no longer in business at the time Classic GAP says they mailed the refund to the dealer. 

Per the attached cancellation form I am due a refund in the amount of {$230.00}. This loan is to be satisfied in the next 30 days aside from this remaining balance that will incur interest until refunded. I will not pay interest incurred as Ally was made aware of this complaint but has failed to follow up or act.
Product: Checking or savings account

US Bank advertised an {$800.00} bonus offer for opening a Business Checking Account with the following Terms and Conditions : " You must make deposit ( s ) of at least {$25000.00} in new money within 30 days of account opening and thereafter maintain a daily balance of at least {$25000.00} until the XXXX day after account opening. '' I applied for and successfully opened the checking account online on Sunday, XX/XX/year>. On XX/XX/year>, the US Bank website stated the account was opened and provided me with the 12-digit account number and 9-digit routing number. I then logged into the US Bank website on XX/XX/year> and the new checking account was displayed in my online accounts. Therefore, I understood XX/XX/year> to be my account opening date and followed the Terms and Conditions of the offer by depositing at least {$25000.00} in new money until XX/XX/year>, which was the XXXX day after account opening. 

US Bank is now denying my bonus because they claim the account opening date was actually XX/XX/year> and therefore the XXXX day after account opening would have been XX/XX/year>. When I responded that I applied for the account online on XX/XX/year> and the website displayed a successful account opening confirmation and checking account number on XX/XX/year>, US Bank tried to add an extra term and condition by saying the account wasn't actually opened until the first business day after account opening and that to qualify for the promotion, I would have had to keep at least {$25000.00} until the XXXX day -- after the first business day -- after account opening. 

When my checking account was approved and opened by US Bank on Sunday, XX/XX/year>, I printed the details of the offer Terms and Conditions and saved it. The printout ( attached here ) is timestamped with the date of XX/XX/year>. All the information that US Bank provided to me on Sunday, XX/XX/year>, including displaying a message on the website saying the account was successfully opened, providing me with the 12-digit checking account number, and displaying the new active checking account in my online US Bank account profile, would lead a reasonable person to understand that XX/XX/year> was the account opening date. 

This attempt by US Bank ( after the fact ) to add a business day requirement to the account opening date is nowhere to be found in the actual offer Terms and Conditions ( attached here ), and it is a shameful attempt by US Bank to defraud customers ( and military Servicemembers like myself ) who opened a Business Checking account and followed the actual advertised Terms and Conditions in good faith from receiving a bonus that they rightfully qualified for.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF EDUCATIONXXXX : XXXX {$2100.00} DEPT OF EDUCATIONXXXX : XXXX {$4100.00} Thank you for responding to my previous complaint through the CFPB Complaint Portal. In your response, you have indicated that the inaccuracies have been verified by the furnisher. 

Upon further investigation of the accounts reporting on my credit report, I have found several inaccuracies in the payment history, balance updated date, and status not matching with XXXX which will be attached. I have submitted the same complaint to XXXX and they removed the accounts from my report because of the inaccuracies. This has given me the consumer more reasonable cause to believe that this information is inaccurate and according to 15 USC 1681s-2 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. 

At this time, I am requesting to have the late payments be removed indefinitely from my credit report and I would like an updated copy of my credit report sent to the address above once the late payments have been removed. I eagerly await your response!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contact XXXX XXXXXXXX XXXX several times about this account reporting on my credit report that doesn't belong to me and I have proof with certified receipts. I demand that this fraudulent account is removed immediately.