23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a Home Equity loan with Citibank. I have had it since XX/XX/XXXX. In XX/XX/XXXX I had to file bankruptcy. However Citibank was not included in the bankruptcy. After that it became very difficult to make my loan payments. In XX/XX/XXXX I filed a complaint with CFPB and the trouble stopped until about six months ago. Again I called to make my payment ( the same payment I had been making since XX/XX/XXXX-no problem-they took my money ) and all of a sudden I can no longer pay because I filed a bankruptcy. Well I do n't understand what the difference is now and the last XXXX years when they took my money and did n't give me the run around. By run around I mean the XXXX phone numbers they have given that are all bad numbers. Each time I called them I was told that they did not have my account-once again because it was in bankruptcy-these are the numbers : XXXX, XXXX ( by the way this is listed as their bankruptcy dept. number ) XXXX, XXXX ( this had been the only good number up until now ) XXXX. These numbers are all not able to take my payments. Last time I had the misfortune of dealing with a XXXX XXXX, Default Executive Response Unit Manager. He was extremely rude and not helpful. Because he called during the day and I was at work, he said that he had tried to reach without success therefore this matter was closed. I had called him back only to receive an answering machine and left messages. He finally called back but was very non-helpful. All I want to do is make my payment once a month by the XXXX of each month. I do not understand why they are making this so difficult once again. The way I see it if no one can find my account then I must not owe any money, but I 'm sure that is not the way they will perceive it if I stop paying them. Please help me to remedy this situation. I 'm just trying to pay off my loan. Thank you, XXXX XXXX
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. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXXXXXX 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

TransUnion reported inaccurate information on my consumer report. Please see the attachments for further details.
Product: Debt collection

I have recently discovered a collection for [ XXXX ] from [ Midland Credit Management ] on my credit report. I believe this debt is inaccurate because I have never done business with this company, This account is not mine, This debt is from someone else with a similar name .I have already contacted the debt collector, and informed them of the error. However, they have not taken any steps to correct my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX is stating the account paid in full and consider closed but reporting late payment for the month of XXXX. I called several time to XXXX XXXX XXXX and all 3 credit bureaus to fix this matter. No late payment at all. This is the second issue I have had with reporting from XXXX  XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I requested a loan from XXXX ( XXXX XXXX XXXX  ) because I had bills for my mothers hospitalization in another country, XXXX. I intended to pay it off like I have always done with all my debts. 
In XXXX last year, I started having pain in my groin and back they could not find out what was wrong with me but I had dificulty walking. I even had a XXXX XXXX XXXX XXXX XXXX XXXX and they did not find anything until XXXX when I insisted on having XXXX  done and that showed I had advanced XXXX XXXX. 
I explained this to XXXX  but they told me they would transfer my accounty to Superlative RM who have been calling me from XXXX every few days demanding payment. I explained my situation but they said that they would keep calling me and demanding montly payments. 
I have informed them of my situation and reliance on friends and family for donations and loans or even selling clothing and house hold items to be able to feed myslelf but they said that is not their concern, they said their job is to get the full amount paid by any means necessary. 
I want to pay what I owe but at this time my goal is to at least get as much time alive as I can and then get a job to pay any debts and help my children before I eventually succumb to this illness. 
Any help will be appreciated.
Product: Checking or savings account

The bank auto creates a false transaction of XXXX $ to avoid a transfer of {$2000.00} that generates on the account a fee of {$5.00} and another for {$1.00}.
Product: Credit reporting or other personal consumer reports

Dear CFPB, LendkeyXXXX XXXX XXXX XXXX is not adhering to the protection order for credit reporting under the statute below, SEC4021 Credit Protection During Covid-19. I filed several complaints with CFPB about my forbearance request when I was laid off during the pandemic. No delinquency can be reported to the following credit agencies until after my account 's XX/XX/XXXX due date. 

Credit reporting Were required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX  SEC, 4021 Credit Protection During Covid-19. ( Please review the attachment - 120 days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to 120 days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ) Please check the official end day of COVID-19 by the XXXX - ( the Covid-end date was XX/XX/XXXX ) Regards, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX!!!!!! I submitted a dispute to update them that I settled in full A collections against me & to update my credit report. My original outstanding loan was for {$12000.00} XXXX XXXX IT WAS SETTLED. Instead of correcting or Updating my info ... it now is stating on my credit Report I have a balance of {$120000.00} with a different creditor Sherman LLC????????? ..XXXX  from XXXX  refused to give me a file number. I am afraid of FRAUD AGAINST ME! Please help This is the third time I reached out to XXXX
Product: Mortgage

For 6 weeks I have been trying to receive funds provided by the insurance company to repair my home from damage incurred by Hurricane Florence. Per US Bank 's protocol for fund release, I requested an inspection. The first inspector did not show at the scheduled time but, instead, broke into my home the following day and submitted an inspection of less than 50 % complete. Outraged at the break-in, I ordered another inspection only to have another inspector break into my home 3 hours prior to our scheduled inspection and submit an inspection of less than 50 %. Extremely outraged, I request a different inspection company be provided. The new inspection company arrived on time and determined the home to be 50 % completed. US Bank is now saying that they will not honor the third inspection and will not release the funding associated with 50 % completion. To date I have received around 40k of the insurance money to fix my home. I have been forced to pay another XXXX of my personal funds to keep the contractor working on my home while US Bank refuses to release any of the remaining XXXX of the insurance money despite receiving the documentation required of 50 % completion.
Product: Credit reporting or other personal consumer reports

ITS BEEN PAST FOUR BUSINESS DAYS AND THE ACCOUNTS ARE STILL NOT BLOCKEDVIOLATING MY RIGHTS AS A CONSUMER UNDER THE FCRA 605C I AM A VICTIM XXXX XXXX XXXX  THESE ACCOUNTS WERE THE RESULT OF THAT XXXX  PLEASE BLOCK THESE ACCOUNTSWITHIN FOUR BUSINESS DAYS PURSUANT TO FCRA 605C. PLEASE PLACE A FRAUD ALERT ON MY PROFILE USING THE NUMBER XXXX. PLEASE PLACE A SECURITY FREEZE ON MY PROFILE. PLEASE ALSO OPT ME OUT. PLEASE BLOCK THE ACCOUNTS RELATED TO XXXX XXXX. PLEASE ALSO SEND A COPY OF MY CONSUMER REPORT UPDATED TO MYSELF AND CPFB. SUPPRESS MY FILE
Product: Checking or savings account

On XX/XX/XXXXXXXX  I contacted Citibank about an unauthorized transaction performed on my account. I advised them {$580.00} was debited from my account on XX/XX/XXXXXXXX  which was not authorized by me. The entity the withdrawal was sent to per my checking account record was XXXX  CA. I advised them I have a record of all my transactions using XXXX XXXX and this transfer was not found. I also advised them I spoke to XXXX XXXX  and they agreed it was not a transaction done by my XXXX XXXX account and to contact my bank to dispute the charge. Citibank them sent me a letter dated XX/XX/XXXXXXXX  stating they conducted an investigation and they did not have enough info to support the claim in my favor. I then faxed them an appeal letter with copies of my XXXX XXXX transaction record which showed no activity on that date or any for that amount, along with a copy of my ciibank record showing the transaction. I then received another letter on XX/XX/XXXXXXXX   from citbank saying Thank you for your inquiry and that they attached the previous letter they sent me for my review.
Product: Checking or savings account

Personal Data : XXXX XXXX XXXX, XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MA XXXX Account # XXXX Sent three emails and registered letter to company with no respose in XX/XX/2021 ; also spoke with customer service representative three times with no resolution Company : United Services Automobile Assn ( USAA ) XXXX XXXX, TX Chedcking account missing approximately XXXX XXXX {$50000.00}. Suspitious activity started in XX/XX/2021.
Product: Mortgage

I am out of work from the pandemic. I applied for the emergency PMAP grant from PHFA and the CARES Act for my Mortgage and was happy to be approved for a {$4600.00} grant ( equal to six months of my mortgage payments ). I was approved on XX/XX/XXXX. I was very relieved as I only have Unemployment right now. 
Since that time I have called and messaged Wells Fargo, my home mortgage company, over half a dozen times asking when they would attribute the money to my mortgage. PHFA said it was approved and waiting for Wells Fargo to act on their end. At first WF said they would let me know and by XX/XX/XXXX, then they pushed it to XX/XX/XXXX, then they pushed to XX/XX/XXXX. I have all of this in writing from them and attached. On XX/XX/2020 Wells Fargo called me and told they decided not to accept the money, because according to them, they think out of work people have plenty of other programs to save their homes and they did not think this one was needed. They actually said that. This is the only grant program to save my home that I have applied for, was granted or even know about.

Now they are refusing to accept the grant toward my mortgage. I do not believe they can dictate who I allow to give me money. It should not be their call. I asked if there was a particular problem my Mortgage or was this a blanket rule they have decided to make up. They said they decided that it applies to ALL Wells Fargo Mortgage borrowers. No one is allowed to to get a PMAP applied to their
mortgage at Wells. Other banks mind you ARE accepting the PMAP grant.

I am not in Foreclosure right now. My first missed payment was due  to the pandemic on XX/XX/2020. But this new rule Wells Fargo created to refuse payment is unacceptable and could cost many who were lead to believe were helped by the PMAP Government program to lose their homes. I thought I was in the clear after being approved for PMAP only to learn months later WF chooses to say no to money. Can you please help? This could effect thousands and there is no valid reason for them to decline the funds. Unless ofcourse they are trying to force home owners from their homes so they can Foreclose on the properties of people who lost employment from the pandemic. Which is just evil.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested pro

of that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States ) that the forgoing is true and correct to the best of my knowledge. Further I clarify that I am permitted by XXXX & XXXX XXXX to file this dispute. I also understand that knowing and willfully misstatements or omissions of material facts consistuties a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally these misstatements are punishable as perjury under 18 USC 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC.
Product: Debt collection

CREDIT COLLECTION SERVIC Last reported XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SERVIC Last reported XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX FL XXXX *
Product: Credit reporting or other personal consumer reports

I've sent many disputes in regard to this account with XXXX  XXXX, when I receive response they say the debt is verified and correct, Yet when i call by recorded phone they tell me the debt was passed over to XXXX XXXX XXXX XXXX. When speaking with XXXX XXXX they do verify where this account came from they only sent me a balance of {$500.00} and XXXX statements which don't belong to me. At one point they removed the account and replaced it back in 30 days. Non these actions from transferring the debt or replacing it back in my credit report were sent me by mail or email to notify me which means they are illegally passing my personal information around which under 15 U.S. Code 1681e is a violation of my rights. I believe it could have placed on my credit because of my fathers death and we share the same first middle and last name. I have sent many certified mail letters to each company to remove this wrong information. Each time they update the info and report differently in each credit company from current balance open day and closing dates they all do not match and the account is not mine. 

XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX  NUMBER : XXXX please review the documents attached and you will see in the details that it doesn't report correct and they are refusing to properly verify the debt and will remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I sent an investigation letter certified ( XXXX ) ( XXXX ) ( XXXX ) to all bureaus to make sure all my accounts were properly investigated and completely accurate. These inaccuracies are severely affecting my credit rating resulting in denial in pursuit of purchasing a home and job denials while trying to take care of my family. Since you are supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus, please remove these detrimental inaccurate items immediately. 

the credit bureaus stated XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX were properly investigated but how is that possible when the date of last activity, account status, payment status, dispute status, date opened, high balance, last payment date, last verified, date last active close dates, are all wrong and still reporting inaccurately even after the investigation. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 604 A : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute two hard inquiries listed on my credit report. Upon reviewing my report, I noticed that two inquiries were made by " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which I do not recognize or authorize. 

I attempted to contact XXXXXXXX XXXX XXXX to verify the reason for the inquiries but no information could be found in their system referencing me. 

To the best of my knowledge, I did not give consent for XXXX XXXX XXXX to access my credit report. Therefore, I respectfully request that these two inquiries be removed from my credit report. 

Please investigate this matter and, if necessary, contact XXXX XXXX XXXX directly to confirm whether they have any legitimate reason for these inquiries. I would appreciate it if you could send me a written update once the dispute has been resolved. 

Thank you for your attention to this matter. Should you require any additional information from me, please do not hesitate to contact me. 

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

I first became aware of the existence of Sagestream LLC when I applied for a XXXX credit card on XX/XX/2021. I did not know that they even existed prior to that date, and I have never had any communications with them. I was declined for the credit card because there was a freeze on my Sagestream credit file. However, I have never requested that my Sagestream credit file be frozen, nor was I even aware that Stagestream maintained a credit file on me. Because I never requested a freeze, I don't have a PIN to temporarily lift the freeze, which Sagestream would have provided to me had I placed a freeze. So I can't apply for the credit card. It seems to me that credit reporting bureaus should be prohibited from creating and placing a freeze on a consumer 's credit file without that consumer 's express knowledge and consent. It is impossible for me to communicate with Sagestream about this matter because they don't have a live customer service call center, and I would need a PIN to communicate with them by e-mail. The only address available for Sagestream LLC ( from their website ) is : XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Applied for a credit card on line for {$30000.00} Online on the Bank of America website, the application was not approved immediately, Subsequent it was approved for a lower credit limit without notice to me. 
Without my consent Monies were paid to two of my credit cards and a fee of {$390.00} was charged to my card. 
I received notice of the said transactions only on the XXXX of XX/XX/2023. 
I objected to the transactions by my letter dated the XXXX of XXXX to the bank CEO. 
Received a call from XXXX of the CEOs office, I offered to payback all monies immediately to the bank in return, for the fee to be returned. 
I have not received any reply from the bank. 
My credit card number XXXX