23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX XXXX, I entered a Stipulation Agreement with Bayview, the Trial Plan, as a condition for my Loan Modification. The stipulation required 6 monthly payments from XXXX XXXX to XXXX XXXX. They assigned my account to XXXX XXXX. On XXXX XXXX, XXXX, XXXX XXXX called me to say that I had missed a payment and he needed copies all my bank statements and returned checks for my payments for XXXX, XXXX and XXXX. I sent the information to him and after reviewing it, he said that maybe it was an error by Bayview but that he will look into it. I asked that he sends me in writing confirmation that the issue was resolved. He never even sent me a letter that I had missed a payment, he only called me to ask for my bank statements. I left 2 voicemails and sent 3 emails to XXXX XXXX in XXXX and XXXX, he did not respond to any of my voice messages or emails. Bayview continued to send me monthly bills, and I continued to make my payments, sending them via certified mail, for XXXX, XXXX and XXXX. At the end of this Trial Plan in XXXX XXXX, I expected to execute the Modification Adjustment Agreement with Bayview. Instead, XXXX XXXX sent me a Trial Plan Default letter on XXXX XXXX, XXXX stating that Bayview will not offer me the modification because I did not make all of the required trial period plan payments. I responded to this letter on XXXX XXXX, XXXX via Certified mail to XXXX XXXX and the Customer Escalation at Bayview. In my response, I again sent copies of all my Trial Period payments, I sent copies of my unreturned emails and let them know that I have not heard from Bayview and have been trying to contact them since XXXX call in XXXX. As of today, XXXX XXXX, XXXX, Bayview has not told me what payment exactly I missed. They have not responded to any of my calls, emails, letters to inquire about this missing payment. XXXX XXXX sent me another letter on XXXX XXXX, XXXX with a RMA ( Request for Mortgage Assistance ) application package, to start the process all over again? XXXX XXXX has not returned any of my calls. I still do not know what payment Bayview is missing. I received a bill for XXXX and sent a payment for XXXX via certified mail to Bayview on XXXX XXXX, XXXX.
Product: Debt collection

In XXXX XXXX I noticed a derogatory mark on my credit report made by Credit Collection Services in XXXX, MA. After investigating the company and the charge, I found out an old XXXX account that was paid off in XXXX was sent to Credit Collection Services. When I called CCS to inquire, the rep informed me that XXXX sent the debt to them to collect in XXXX XXXX ; however, I paid this account off in XXXX. I originally made arrangements with XXXX ( who was initially assigned to the account by XXXX XXXX to pay off the account in XXXX payments. The XXXX payment was withdrawn from my account by XXXX on XXXX/XXXX/XXXX in the amount of {$120.00}. The XXXX payment did not come out on the agreed date so I called XXXX to find out when the final payment would be withdrawn and applied to the account. I was told that XXXX was going out of business and to contact XXXX directly to finish making the payments. The XXXX payment was withdrawn by XXXX on XXXX/XXXX/XXXX in the amount of {$130.00}. I contacted XXXX in XXXX XXXX explaining this point. I was told they needed confirmation from XXXX. I reached out to XXXX XXXX in XXXX XXXX and followed up after in XXXX XXXX after I did not get a response with 30 days and no change on my credit report after 60 days. I provided XXXX with my bank statements indicating the payments were withdrawn prior to their Accounting Department sending my information to CCS collection agency. XXXX Accounting Department will only accept correspondence via email or fax. I have tried XXXX mediums of communication to no avail. My point of contact was XXXX XXXX. Her email address is XXXXXXXXXXXX. The fax number is XXXX. I can provide copies indicating the dates of contact as well as the dates payments were withdrawn.
Product: Credit reporting

I asked for my credit to be properly added to my credit profile and it was not even after giving the information and i want my information added to my credit report so that i can be given proper credit just as creditors have the right to report it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX  XXXX Balance : {$300.00}
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

The Fair credit reporting act has not been upheld by XXXX, XXXX and Transunion. There are multiple inaccuracies, unverified and unfair information being reported on my consumer disclosure report. 

XXXX XXXX cards and Credit lines XXXX XXXX XXXX -was not my account XXXX XXXX lending XXXX -was not my Account *fraud XXXX  XXXX XXXX -was not my account XXXX XXXX XXXX XXXX -was not my account XXXX XXXXXXXX XXXX XXXX XXXX -was not my account * Fraud Public Records- Bankruptcy Case records that are unverified and not validated by the court. 
XXXX Bankruptcy XXXX XXXX Ky XXXX Us bankruptcy XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX XXXX XXXX. XXXX Us bankruptcy court XXXX XXXX XXXX Inquiries There are XXXX unverified and fraudulent inquiries on my report that I did not authorize to be reported bad did not initiate. 

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

Equifax charged me {$11.00} for a credit report. The credit score was not included. I called Equifax and they want to charge me another {$7.00} for my credit score. They were not able to direct me as to how to retrieve this online and could only take my payment over the phone and mail me the credit SCORE only. There is no clear directions or disclaimer on the their website stating the credit REPORT does NOT include the credit score. This is fraudulent, and further mitigated by the fact they were not receptive to refunding the {$11.00} and then allowing me to pay the {$7.00} to get my credit SCORE, or at least just verbally telling me my score over the phone since I already paid for the report. This was all catalyze by the fact they sent my bank the wrong credit score ( 100 pts lower than actual ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

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

This is a follow-up on complaint XXXX regarding the closing of complaint and cfpb did n't even look into the matter regarding chase billing dispute and false statements report to credit bureaus and to CFPB. Chase stated to CFPB THAT my slate account was sold to XXXX On XX/XX/XXXX they also sent me a letter from XXXX XXXX XX/XX/XXXX stating the same false statement and violated FCRA When they submitted false statements to XXXX  stating that the slate account could not have been sold to XXXX in XXXX cause on my XXXX report XXXX XX/XX/XXXX the slate account was not even opened until XX/XX/XXXX and closed in XX/XX/XXXX. Also I sent chase XXXX XXXX an email with my meeting with the branch manager on XX/XX/XXXX where I clearly told him to close all my accounts. So they are reporting false statements about the XXXX card XXXX XXXX sent me a letter dated XX/XX/XXXX saying that they found no evidence of me closing the account with the branch manager and he States please be advised that the account is closed XX/XX/XXXX but I did not close the account on that date but they reported it to XXXX that the account was closed at consumer request but it does n't show the account is closed it shows 150 days late payments and false credit limit of {$500.00} when it was {$4000.00}. They said my mother was added as a authorized user XX/XX/XXXX which is completely false and my mother was not even on my account. I was a authorized user on my Mother 's Chase Freedom Card but they closed that a month after she XXXX they reported it for 3 years to the credit bureaus but they stopped reporting that account. They also state she was removed from the XXXX card on XX/XX/XXXX which is completely False statement my mother XXXX XXXX XX/XX/XXXX why did n't I have her removed then Ask them for documents I sent to Chase where I closed the account where I removed my mother from my XXXX card and if they ca n't prove what they are reporting to you and the credit bureaus with letters I sent to them on the date they claim these events took place with my signature and date then they are knowingly violating the FCRA and I am a XXXX veteran and probably violated the American with disabilities act also. They have sent different letters with different facts that are completely false and they know it
Product: Credit card or prepaid card

Capital One Bank recently sent me a letter informing me that I am not liable or responsible for any previous Capital One credit card accounts that was opened up fraudulently in my name due to identity theft. I applied for a pre-approval Capital One credit card and the pre-approval was denied due to previous Capital One Bank credit card accounts with a balance. All of the previous Capital One Bank credit card accounts was fraudulent accounts and was the result of identity theft. None of the Capital One Bank credit card accounts was my accounts. All of the previous Capital One Bank credit card accounts was opened fraudulently and was the result of identity theft. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, SSN last 4 : XXXX
Product: Checking or savings account

On Saturday morning XX/XX/18 I went into the XXXX XXXX branch to cash a check for {$44.00} and withdrawal an additional {$150.00} ( This was all posted to XX/XX/18 due to the XXXX XXXX   holiday. I was checking on my account on the morning of XX/XX/18 and noticed a pending {$500.00} debit. I went into chase as soon as they opened ( XXXX ) and spoke both to a accountant on the floor along with the branch manager eventually. I said that it looked like there was a fraudulent charge on my account. The accountant notified me that it was not fraud it was a bank charge for investigation results. They told me that the {$44.00} check was cashed as {$540.00} and that they gave me that in cash on top of {$150.00} withdrawal. I explained to them that I did not receive that money that I only received {$190.00} and that I needed this resolved and they needed to show the camera footage of this transaction. On the morning of XX/XX/18 I received a call from the branch manager informing that they reviewed the footage and it shows the teller person counting out the money putting it into an envelope and handing it to me. I told her that that is not possible I never take an envelope for money I get and I did not get the {$500.00}. I told her that I wanted to see the footage she declined and said I would have to get it legally. I tried to file a police report with the XXXX XXXX Police but they said this was civil. I only get XXXX which takes everything I receive to get till the next month 's payment. Allowing Chase Bank to steal {$500.00} from me will be devastating. Just a thought - If I had video proving my stance on a issue like this one why would any organization not show it to prove they are correct beyond a reasonable doubt unless they needed to hide something? Why take the chance of losing a customer or many?
Product: Debt collection

There was a fraudlent account that XXXX  XXXX owned once upon a time, XXXX XXXX removed the account from my credit. However, i dont know how or why, Portfolio Recovery begin to rereport this account on my credit. Not only was this account illegally reinserted, its fraudlent, i would've reached out to company directly, but they never sent any notification to me that they were pursuing me for this fraudlent accout. Im requesting for a removal of the account from my credit. 

Portfolio Recovery acct # XXXX {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year I was attempting to buy a XXXX XXXX. I had asked the dealership to not run my credit because I already had a bank that I wanted to use for the loan. However, even though I did not authorize it, the dealership ran my credit anyway. 
I found out later when I received some letters in the mail telling me I was not approved for the loan. I was extremely confused because I knew I had not authorized these inquiries but also because the notices told me that I had a very high credit score. In fact I had an XXXX credit score. Needless to say, I should not have been denied this auto loan but I didn't have the time to go back and forth with the dealership about it at that time. A few months later I decided to look into this issue and requested my credit reports and found some incorrect information on them. So I sent in a request to have this information removed but I have not received a response yet. I'm not sure what else to do since I think I have done everything I am supposed to do and yet I have not received any information about the status of my requests. When I tracked my information it shows that Equifax received my request on XXXX, XXXX XXXX, and XXXX received my request on XXXX. I have not received my credit reports from XXXXXXXX or XXXX XXXX XXXX ( even though I have requested my consumer file at least 3 times since XX/XX/2020 )
Product: Mortgage

I am filing this complaint against my mortgage servicer Loan Care/ XXXX XXXX XXXX  for committing DUAL-TRACKING. Presently, Loan care has my complete loss mitigation application under review, I attached a letter dated XXXX XXXX, XXXX from Loan care confirming my loss mitigation application is complete. I just received notification that a foreclosure complaint has been filed against me with Superior court of new jersey XXXX county on XX/XX/XXXX. Per CFPB article dated XX/XX/XXXX CFPB Rules Establish Strong Protections for Homeowners Facing Foreclosure, Loan Care/ XXXX XXXX XXXX  is in direct violation by filing this mortgage complaint against me. 

Please see attached loss mitigation letter from Loan care and foreclosure complaint filed with the State of New Jersey. 

Loan care has committed DUAL-TRACKING. Presently, there is an loss mitigation application complete and under review with Loan care, no decision has been made or either an option for me to appeal the decision. Loan care has committed dual-tracking filing this complaint while loan modification/loss mitigation is pending review. I attached all documents to this complaint as proof. This is clearly a direct violation by Loan care and I want to pursue legally. 

I am filing this complaint to help stop this from happening to other people specifically dual-tracking. Please help me.
Product: Credit reporting or other personal consumer reports

I took out some loans with XXXX XXXX in XXXX and XXXX. When I got the XXXX loan, I was terminated from my employment leaving me without a job, car and home. I got evicted from my home along with the repossession of my vehicle, I am currently homeless sleeping in motels with vouchers, XXXX XXXX corners, shelters, public restrooms, placesand abandoned buildings. Having the late payments from XXXX and XXXX are EXTREMELY BAD FOR MY CREDIT REPORTS AS I AM TRYING TO GET APPROVAL FOR HOUSING, A VEHICLE AND MORE STABLE EMPLOYMENT WITH MORE INCOME. For the XX/XX/XXXX, I paid off the loan XXXX!!! EXPEDITIOUSLY REMOVE ALL OF THE LATE PAYMENTS FROM ALL CREDIT REPORTS EXPEDITIOUSLY OR PAY {$34000.00} to {$100000.00} IMMEDIATELY!!! IF YOU FAIL TO COMPLY MY REQUEST, YOU ALL CAN AND WILL PAY ME {$100000.00} IMMEDIATELY ALONG WITH THE IMMEDIATE REMOVAL OF THE LATE PAYMENTS AND MY CURRENT LOAN PAID IN FULL OR IN ADDITION TO REMOVING THE LATE PAYMENTS, {$100000.00}, PAID IN FULL FOR MY CURRENT LOAN, I WILL GLADLY HAUL YOUR XXXX TO COURT UNLESS YOU ALL REMOVE ALL LATE PAYMENTS, PAY {$100000.00} and PAY OFF MY CURRENT LOAN EXPEDITIOUSLY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking at my credit reports last week I found that the Equifax report showed a hard inquiry from XXXX XXXX dated XX/XX/XXXX. I found this to be a mistake because I have never been a XXXX customer nor have I ever asked for rates or services from them. I then made a 'my Equifax ' profile so that I could dispute this inquiry with Equifax directly. I made the dispute online as I was not able to get through on the phone. The online format does not allow for any type of explanation as to the reason for the dispute but I followed the prompts and selected that this inquiry was " not mine ''. I filed this dispute with Equifax on XX/XX/XXXX. I received a fairly prompt response that stated that " the inquires are a factual record of file access ''. Now, I have a negative remark on my report and my Equifax credit score dropped a few points after their investigation showed that the inquiry was " factual ''. I was told in the decision that my best option was to contact the creditor ( XXXX ) directly. 
Today I spent several hours on the phone with XXXX. As I had expected, they have absolutely no accounts, past or present, in my name. I asked if they could send a letter to Equifax to explain this and remove the inquiry from my report. Their fraud prevention specialist told me that without having an actual account, they could not send a letter to Equifax explaining this because their letter requires the person to have an actual XXXX account. Since I have never had an account, I was told that there was nothing they could do. The fraud prevention specialist also told me that the only way this scenario could happen is if someone fraudulently attempted to set up an account in my name but was unsuccessful. This happens when a person attempts to set up an account and the XXXX team in unable to authenticate or verify the individual, yet in the mean time, a credit inquiry is made in the process. Unfortunately for me, the credit inquiry was made under my name even though I was not the person attempting to set up an account. I pride myself on working hard, managing my fiances and having a solid credit score. This hard inquiry does not belong to me, yet I am stuck with it on my Equifax report. Additionally, as a result of the dispute, I show a negative remark on my report and a ding on my score with Equifax. 
After trying to resolve this mistake on my report with both the credit bureau ( Equifax ) and the creditor ( XXXX XXXX ) I have been unsuccessful in attaining resolution. I now turn to my final resort, the CFPB, the please help remove this inquiry from my report which does not belong there.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXX/XX/XXXXAccount name XXXXXX/XX/XXXXAccount number XXXX {$860.00} Have this company send proof of my signature. I have never done business with this company. 



Account name XXXXXX/XX/XXXXXXXX XXXX Account number XXXX Account charged off. {$2.00}, XXXX written off. 
Recent payment {$2000.00} If a payment was submitted for {$2000.00} as recent payment why is this showing on my report. Have this company send video proof or at the very minimum proof of my signature to validate this account. I have an identity theft alert on my account. 



Account name XXXX XXXX XXXX Account number XXXX Account charged off. {$100.00} written off. {$100.00} past due as of XX/XX/2022. 

If they claim this was written off, then they are paid. The company gives me the run around. Says card was a PREPAID card meaning someone had to put money up to open it. If not removed, I will be filing a claim in court. I am done playing kiddie games.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this complaint because I have had several issues with the equifax, XXXX, and XXXX. I have sent several letters to the credit bureaus in regards to violations of fraudulent activity that have been reported to my credit bureau profile. It has been over 30 days and i have not heard anything back in regards to my concerns. By law I should have heard something by now my demand is that all of the violations on my report included in the letters that I will provide be deleted immediately.