23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My house was flooded in harvey and I am trying to repair but XXXX has taken my insurance money and will not return in a timely fashion I went in the to the XXXX branch on XXXX with an advance check which they endorsed. They did not tell me there was a process that needed to be followed with future payments. 

I have worked and used my own money to get my house repaired. 
On XXXX I went into the chasse branch with a chck for $ XXXX from my insurance company. 
They took the check and told me I need to fill out a number of forms to get any of my money from the insurance. 

I have been working since them to fill out all the forms and get them approved. They reject them and I have to do one more thing.One was rejected because my city and state were n't on there ... .my XXXX knows where we are.. 

Every time I have to do something else it is a three day turn around. Finally on XXXX they released XXXX of it but I have need the rest. They have not even reimbursed me for the receipts for things I have already paid. They will not send me any more of my money until I have jumped through all their hoops which I will do but every wekk it is something else. 

Last Tuesday I was assured that all my documentation was fine and would be accepted..today I find out that is not true. I need to resubmit some of it. Also once I submit it is a 3 day processing time and once it is accepted it is 6 days for the check to be MAILED. They ca n't even do a wire transfer. 

I am scheduled to be back in my home by XXXX but without any money I can not pay the XXXX for painted or purchase the floors or applicances. 

I received the packet on how to hand the disaster funds on XXXX when XXXX occured on XXXX. The is over two months after the fact. 

Aslo the people I talk to get everything wrong and I am told one thing then the next day they apologize and say that was wrong ... 

XXXX has been great My insurance has been great SBA has been great but Chase has been not only unhelpful but rude and incompetent.
Product: Debt collection

A fraudlent phone account and two phones were purchased through XXXX XXXX. I was notified this when I received a bill for this ( I had a XXXX account years ago with different numbers, but I have been with XXXX for the last 4+ years ). 

I spent hours on the phone and online with a multitude of XXXX XXXX departments, the XXXX XXXX Police Department, and the three credit bureaus. My credit was frozen ( at my request ) and I was assured by XXXX that this was a fraudulent account and things were settled. Luckily my credit was frozen as an attempt was made to open a fraudulent phone account with XXXX. 

Today I received a collection notice from Convergent collection agency. I have disputed this account and provided copies of the erroneous bill as well as the police report. I am unable to reach Convergent as it is a weekend. Unfortunately, I will be out of the country XXXX and so will not be able to contact them before I leave. 

My credit score has been stellar and I hate to see this be erased. I also am unsure what else I can do on my end to prevent further action on this fraudulent matter involving identity theft.
Product: Credit reporting or other personal consumer reports

I did not authorize XXXX XXXX XXXX XXXX on XXXX XXXX to check my personal credit profile with Equifax credit bureau.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX Balance : {$6900.00} ; XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX XXXX Balance : {$5800.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$9600.00} ; XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance : {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : 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 XXXXXX/XX/2021
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have noticed a series of unauthorized inquires on my Equifax report that I want thoroughly investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hired XXXX firm on XX/XX/XXXX of XXXX, who is an organization that works on credit repair. They have been challenging and disputing information with the 3 credit bureaus, XXXX, equifax and XXXX. Still the bureau is refusing to remove, which the items are past the statute of limitations, which are the following : XXXX XXXX XXXX. Account number XXXX opened XX/XX/XXXX reported type 120+ day late payment and XXXX XXXX XXXX  XXXX opened XX/XX/XXXX reported type 120+ day late payment which are past the statute of limitations.
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX I was looking to rent a home and was turned down, I recieved a copy of my credit report and to my surprise found out I have been a victim of identity theft. I found that there was an auto loan for XXXX XXXX XXXX XXXX on my credit report but I NEVER applied or approved any such auto loan. I filed an FTC report, contacted XXXX XXXX XXXX XXXX by phone, mail, and email and was NEVER provided with any proof that the loan belonged to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2024 Subject : Inaccurate Information Reported by Experian Dear CFPB, I am writing to report inaccuracies in my credit report as provided by Experian. I have reviewed my credit report from Experian, and I have identified the inaccuracies of my name listed in my personal information. 

The inaccuracy of my name could affect my ability to obtain credit. I have already contacted Experian regarding this matter, but I have not received a satisfactory resolution. I believe that these errors are a violation of the Fair Credit Reporting Act. 

Enclosed with this letter are copies of my Car Insurance, Driver 's License, and my electric bill. I go by XXXX XXXX XXXX, XXXX XXXX XXXX and no other. I respectfully request that the CFPB investigate this matter and assist me in resolving these inaccuracies. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, CFPB, EXPERIAN KEEPS PUTTING A NAME ON MY CREDIT REPORT I DON'T USE IF THEY DO IT AGAIN I WILL YOU PERSONALLY
Product: Debt collection

Collection Associates reported on my credit an amount owed of {$1000.00}. I am currently making payments as a agreement. I called them to verify the balance and is still at {$900.00}. So far I have paid them {$650.00}. They told me that the original balance was XXXX which is not correct. My credit report clearly shows {$1000.00} which was reported by them.I know I owed on the account, but they are overcharging. Anything that can be done with this?
Product: Mortgage

FREEDOM MORTGAGE IS ACTING WITHOUT AUTHORUTY. THEY IN XXXX  LOST THEIR BUSINESS TO A COURT ORDER WHERE THE XXXX  AND XXXX SUED THEM AND ALL CORPORATIONS. THEY ARE NOW CONSIDERED DEAD, A CORPSE, WITHOUT ANY RIGHTS BY LAW TO BE A MORTGAGE LOAN CORPORATION. THEY HAVE NO RIGHTS TO BE IN OPERATION IN THIS COUNTRY SINCE XXXX XXXX. SO ALL BUSINESS ENTERED INTO AS THIS ISCORPORATION NULL AND VOID. AS THEY ARE NULL AND VOID. THEY DO NOT LEGALLY EXIST ANYMORE SINCE XXXX XXXX. THEREFORE, WHY ARE THEY STILL BEING ALLOWED TO XXXX PEOPLE OF THEIR HOMES. THEY CAN NOT BE ALLOWED TO DO BUSINESS IN THIS COUNTRY OR ABROAD FOR THAT MATTER... PLEASE ENFORCE THE LAW ... STOP THEM...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX Maryland, XXXX JPMCB CARD XXXX  XXXX  Account # : XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a validation of debt. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! 

Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, there is no notice of dispute. For this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from JPMBC CARD for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXXXXXX XXXX were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my XXXX contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Debt collection

I had a Macy 's credit card and I had a balance that I had to pay off in order for them to remove me from collection, so I paid them the whole amount in XX/XX/XXXX and Macy 's is still reporting my account as " negative '' to the credit score agencies and it is showing as " negative '' on my credit report. The last day this was reported was XX/XX/XXXX as " collection/chargeoff ''. This negative account is affecting and lowering my credit score, and I have attempted to get them remove it but they have not yet. 

The Lender information is : XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 someone opened a XXXX XXXX XXXX XXXX account in my name along with XXXX XXXX on XX/XX/ XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX
Product: Debt collection

I recieved phone calls for XXXX XXXX XXXX XXXX XXXX phone number claiming to judgement solutions threading to take to court for an 11 year old debt. I wasnt even living in the state at that point. Had my personal information. I asked for the business location XXXX Wyoming. I XXXX  it and called it and I got lawyers office in XXXX XXXX. But they have my birthday date ssn and past addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX in regards to incorrect information on my credit report and they have not investigated my dispute. I have asked them for documentation on this account and have yet to receive it. They are reporting multiple inaccuracies, each credit bureau is showing different information. For example XXXX is showing date of last activity as XX/XX/XXXX, XXXX XX/XX/XXXX and Experian XX/XX/XXXX. They continue reporting incorrect information on my report.
Product: Student loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that FED LOAN SERVICING has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Checking or savings account

I was scammed by someone online posting to be a landlord of a place I was trying to rent from, I sent that person money through XXXX. I realized it was a scam right after and was trying to contact Chase Bank but they were closed. I called this morning to report the fraud and they said since it's a XXXX transaction they can't reimburse the fund to me, they can only file a report out.
Product: Mortgage

Nationstar Mortgage, LLC dba Mr.Cooper failed to respond to my information request / qualified written request.
Product: Debt collection

Hello, I am writing to file a formal complaint against Bounce AI, a collection agency, for continuous violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my efforts to resolve the matter and assert my rights, the agency has persistently ignored my requests and continued its collection attempts. 

Here is a timeline of events : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I sent a formal debt validation request via email to Bounce AI following their initial contact on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX Despite this request, on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX, I received another email from Bounce AI, enticing me to discuss repayment options without providing the requested debt validation information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I received a call from one of their representatives using the phone number XXXX, again without providing the necessary debt validation documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I received another call from the same number, demonstrating a blatant disregard for my request for debt validation and a cease and desist order. 

These actions by Bounce AI directly violate my rights under the FDCPA, which clearly stipulates that debt collectors must cease communication upon receiving a written request for debt validation and a cease and desist order.

Enclosed with this complaint are copies of all relevant communications, including my initial debt validation request and records of subsequent contact from Bounce AI.

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Bounce AI for their continuous violation of the FDCPA.

Thank you for your attention to this matter. I look forward to your prompt action in resolving this issue. 

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

Vehicle loan company, credit acceptance, shows a foreclosure ( voluntary repossession ) every month for roughly two years on my XXXX report ( as current as XX/XX/XXXX. ) The vehicle was supposedly sold at auction in XXXX. I paid the debt in full XX/XX/XXXX. 

Their reporting is inaccurate as the vehicle could not have been repossessed or re-attained by me as it was sold at auction in XXXX by credit acceptance. 

I have tried several times to dispute this with both the creditor and credit reporting agency.
Product: Credit card or prepaid card

Fifth Third Bank is terrible credit card company. Stay away!!! 
The calls are answered by people who can not understand English. I have requested that my account be closed already 4 times, yet it is still not done. Only false promises and lies. Every month there is a problem because Fifth Third will not mail me my bill. Also, they are not able to send a notification email that the statement is ready. Impossible to work with. 
I spoke with " XXXX '' and " XXXX '' employee # XXXX in XXXX.
Product: Debt collection

I am submitting this complaint because I am being extremely affected by Credit Managements actions. They are being completely unfair and I dont know how to get ahold on them but through this portal.

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.

This company has been reporting wrong information, re-aging the account, they have failed to mark account as disputed, they have also reported multiple billing errors by charter Internet ( original creditor ) and unfair business practices. 

The account information is the following : Account Name : CREDIT MANAGEMENT, INC Account Number : XXXX Original Creditor : XXXX XXXX. 
Opened Date : XX/XX/2019. 
High Balance : {$72.00} My demand is based on many damages and all the violations that they have committed : I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. 

Please sed the attached documentation to this company. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Declined a XXXX credit card called " XXXX '' ( Credit card percentage too high and credit limit far too low ) and FICO or other reporting bureau ( Transunion, XXXX etc. ) reduced my score by XXXX points when it was I who declined the Credit Card and NOT XXXX who offered it and I declined acceptance. 

My current credit score is XXXX but XXXX points should be restored, which would render my true and correct score to be XXXX. My ultimate goal is to reach a uniform score with Fico and the major three credit reporting agencies of XXXX. 

his is most important to me for professional standing, good character and credit worthiness to me. 

Thank you for any possible expedited assistance. 
Your Bureau serves a most worthy cause complementing Truth in Lending! 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX or message c/o XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian, and XXXX XXXX XXXX   with no successful resolution. Experian only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Product: Student loan

2009 I applied for financial aid through Sallie Mae and attended XXXX XXXX in XXXX Texas. Upon completing my diploma, i started paying my loans and had payments of XXXX $ a month which was doable. 2 years later, i applied for financial aid to attend more classes and went on deferment due to being in school. While on deferment, Sallie mae transfered all of my loan information over to Navient and it has been a nightmare every since. Navient continues to raise my payments without my knowledge, putting me on some fast track program where they raise your payments by XXXX $ a year for me to supposedly pay it off quicker which I explained to Navient that I can not afford to pay the amount they given me and that they were causing me to be late and continuously go into forebarance because I can not afford to pay the monthly payments.Mind you, these loans have been out for 10 years now and I owe more money to Navient then the original price of my loan with was XXXX $ and is now XXXX XXXX after paying on it. I feel trapped and like I will never be done paying this loan and going into debt when I do try to pay it. I just do not understand why they felt they could raise my payments to an amount I had no way to pay as if they were dooming me to fail by going delinquent.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX