23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Attached is review of file by attorney who handled my sale of my property at XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/year>. As of right now I have filed a complaint with NJ attorney general, PA attorney general for 3 different companies. XXXX XXXX XXXX, XXXX XXXX XXXX and FCI XXXX  Services. None of the 3 entities I have reported will admit as to who is holding my money. One of these mentioned companies is holding a holdback in the amount of {$27000.00}. Attached is a letter from XXXX XXXX XXXX that says funds were transferred to FCI XXXX  Services. When loan was paid in full to FCI XXXX  services they refused to release holdback.
Product: Mortgage

I refinanced and took a cash out loan on my home financed with XXXX XXXX XXXX XXXX on which there was a low remaining balance. My payment history was perfect and my credit scores with the three major credit reporting agencies ranged between XXXX and XXXX. I have spent a lifetime building that credit history. I am considered lower income, elderly, and XXXX, but have perfect credit. The closure on my refinance application was very short. I received coupons to make two payments on the loan, the first of which was due on XX/XX/2021 to my primary lender, Homeside Financial. I immediately made the first two months ' payments. The checks were cash on XX/XX/XXXX by Homeside, as documented in attachments. Within days, I received a notice from XXXX XXXX that they had purchased my loan and assigned it to XXXX XXXX. I was assured that I had no tasks before me, that any payments would be automatically credited to XXXX. I received those assurances from Homeside, XXXX, and XXXX XXXX. Homeside refused to transfer the payments to XXXX, and XXXX refused to pursue the issue with Homeside. After complaints to XXXX XXXX and multiple email contacts with Homeside, XXXX acknowledged receipt of the money from Homeside on XX/XX/XXXX, with the notation on my account that the payment was 22 days late. I was assured by all three agencies that my payments from Homeside to XXXX by law needed to be transferred and credited when paid, and I had nothing to do whatsoever, that the process would proceed smoothly and without incident. I now have a fraudulent entry on my account and credit history. In addition, the principal should have been credited with the payments on XX/XX/XXXX, when tracking ( attached ) indicates the payments were deposited into the account of Homeside. I have a considerable amount of interest on the principal to which XXXX  has refused to credit my account. All of those issues are violations of the agreement between Homeside and XXXX XXXX, the law, and my written contract. Homeside has been unwilling to correct any issues relative to the results of their fraud.
Product: Credit card or prepaid card

Dear bureau worker, I am requesting for your help because I am disagree with my Barclays bank reporting for the late payments on XX/XX/XXXX. On my last payment of {$31.00} on XX/XX/XXXX I had a left balance of {$1200.00} and set up an automated payments which had to start from the next payment cycle. I did not receive any emails or phone calls that I have problems with payment. On the XX/XX/XXXX I called to the bank to find out my outstanding balance, and found out that non of my automated payments went through and I was reported as a late payments. I was trying to resolve that issue and they just keep telling me to contact via letter to the FCRA and I did that once, never got the answer and now hoping for your help. Please, help me to remove this late payment from my credit report. It makes my life much harder and I am really working toward my credit history. If you can check the other credit cars and auto loan that I have, I do not have any late payment. Please, help me. 

Thank you for your time! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX  I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXXXXXX XXXX XXXX, Balance : {$15000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX XXXX Balance : {$2800.00} ), XXXX XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8900.00} ), XXXX ( Date Opened : XXXX XXXX XXXX Balance : {$4400.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX XXXX, Balance : {$1000.00} ), XXXXXXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX XXXX Balance : {$9100.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Bank account or service

I have several complaints against Citibank especially with a XXXX XXXX XXXX a client liaison. He has accused me of being non compliant in paying off an account ending in XXXX. It has been proven that his response unit is incompetent and again has " confirmed '' that they do n't know what they are doing. I have fulfilled paying Citibank the settlement agreed amount owed. Yet again out of the four payments cashed by Citibank two were claimed not received. The XX/XX/XXXX and XX/XX/XXXX payments I paid in addition to the checks I also sent XXXX money orders XXXX for {$20.00} the other {$30.00} respectfully. On XX/XX/2016 I was told since payments were not received the account is in collections for the empteeth time.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by various ( seemingly interconnected brands such as XXXX ( collectively : the Companies ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains.
Product: Mortgage

In 2017 Ocwen liquidated my XXXX mortgage that was included in a discharged bankruptcy and also the same principal balance was wiped away by Litton Loan. I sent proof of documents to PHH/Ocwen you in turn took 5 months to respond to my complaint and request to refund the excess cash my homes was sold for. During the 5 months PHH and the 3rd that fraudulently foreclosed filed additional papers for my previous home based on the evidence I submitted to PHH. PHH rescinded the 2 d lien after I wrote them to advised they were in violation of federal law by billing a debt I don't owe. As a result PHH has stalled my current mortgage process to cover up their fraudulent activity against me. On a mortgage debt I don't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that my financial information waS part of the group that was stolen from Equifax. I hold Equifax responsible for any financial damage done to my account as a result of fhis information leak
Product: Debt collection

Every day for about a week, commenity bank calls me 9 times a day and sometimes 4 times in less than an hour. I have asked them to stop calling so many times, I have asked them to take my number off their list, and even asked them not to call at certain times because they are calling during the time I go to bed. They have not stopped trying to contact me and have now started calling my mother as well.
Product: Credit reporting or other personal consumer reports

I am writing in response to THE decision to decline my fraud block request, as detailed in your letter dated XX/XX/year>. I respectfully disagree with your determination and would like to highlight that there is already a pending fraud case regarding this matter in federal court ( Case Number : XXXX ). The transactions in question are a direct result of identity theft, which has been clearly outlined in my case. 

Despite your assertion that the accounts reflect a history of payments or previous disputes, I have no knowledge of the transactions that took place after the identity theft occurred. These fraudulent activities were reported promptly upon discovery, and I have taken every step necessary to resolve the situation, including notifying the proper authorities.

Furthermore, under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to have fraudulent information blocked from my credit report. The rejection of my fraud block request, despite a federal case being open, does not align with this legal protection. I urge TransUnion to reconsider this decision and take immediate action to block and remove the disputed information.

Additionally, if this information is not blocked and removed within four days, I will proceed to open another federal case. I am fully prepared to take further legal action to ensure that my rights under the FCRA are upheld.

I will provide any additional supporting documentation, including court records, if required. However, I believe that the ongoing federal case is sufficient evidence to warrant immediate corrective action. 


Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I received a phone call from Cash 1 title loans ( XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX ) asking if I applied for a loan. I told them no, and a lady named XXXX told me that someone obtained my drivers license and car registration from hacking the DMV 's website. This person used my license and registration to apply for a title loan. I asked how we can stop it and she said that no loan was approved, but they put a lien on my vehicle. I've filed a police report, a report with the FTC website, opened a case with Arizona DOT Office of the Inspector General, and contacted Life Lock. I have yet to be assigned a detective with the XXXX, and they keep telling me to be patient as they are busy. It's been over a month. I filled out all the documentation for identity theft, and have received no response. I've been in touch with Cash 1 multiple times to ask them to remove the lien from my vehicle and I keep getting the run around with them. Everytime I call, I get " It will be released in 2 hours '', " it will be released in 2 days '', " we're having program/system problems ''. I contacted Cash 1 again for the last time on XX/XX/XXXX, and XXXX told me the same thing " I put in an emergency request to remove the lien, and it will be cleared in XXXX hours ''. XXXX has refused to provide any written documentation that this lien has been removed from my vehicle. I don't have much faith in what she says because I've heard it multiple times from her. I told her that this is the XXXX time she's told me it will be removed, and all times it hasn't been taken care of and she denied ever saying that the lien will be removed. They did not physically see my vehicle to put a lien on it, which according to the Office of the Inspector General with Arizona Dept of Transportation, they can not put a lien on a vehicle without it being right in front of them. This person who stole my license also has been trying to apply for a credit card with XXXX XXXX, which I put a stop to, but now I'm waiting for it to be removed from my credit report. I pulled my credit report and have noticed several soft inquiries with my information for title loans and credit cards. I am looking to trade my vehicle in, but I can't because they are the Lien Holder on my vehicle. I own the car, have the title for it, but their name is on it as the lein holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to refinance my home due to various reasons. I understand completely what the information is supposed to be portraying about an individual or a company. HOWEVER, the current reporting system is extremely flawed and biased. 

In this complaint I was working with your organization to correct things and somehow thought I had paid my mortgage. While speaking to the representative she advised me I had missed a payment. I immediately paid that payment and the current payment and asked her for a 1 time forgiveness of the late payment. ( Basically I had to qualify for the 1 time forgiveness ) So now in reviewing my credit report from the last update Experian gave me it shows that I my account is past due. I tried to dispute the error however t he choices did not include my problem. When I tried to use something different to submit it Experian says they can't reinvestigate something that has already been submitted. This is a different issue with the same Predator Lender. They can report on the same company but I can't complain about the same company and they are affecting my CREDIT.

Again, now I want MONETARY damages from the Bureaus. I am going to report every detail I believe I have been damaged by their reporting so I have an audit trail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint dated XX/XX/2023, I sent a complaint regarding the Accounts that are erroneous and misleading in my file. Please block and remove these accounts : XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX : {$550.00} XXXX XXXX XXXX balance : - XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$220.00} These accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.
Product: Debt collection

I had requested documents from the Bureaus, I have not received anything.
Product: Credit card

On XX/XX/year>, I received a Cash App Card and the letter mailed together is asking me to scan the code to activate it. I never used Cash App nor opened an account nor applied for a card. 

I searched online - it seems to be common scam but very hard to ask Cash App or the bank account to close it without giving my confidential information.
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) in XXXX was my triple play service provider ( Cable, Internet and VoiP Phone ). I terminated service. A XXXX technician came to initiate service for the new customer taking over service. The XXXX technician took equipment back ( DVD-R, peripherals ) and said he would report that he had taken this equipment back. Now, I got a bill from {$180.00} from XXXX which when I called was told was for this very equipment which XXXX alleges was never returned. I said this was an error. XXXX put me in collection with Credit Management LP to collect this {$180.00} which I do not owe. I called Credit Management LP to explain I am disputing the debt. Credit Management LP has told me that I need to provide all sorts of personal data ( new address, SSN, etc. ) in order to properly file with them my debt dispute notice. XXXX and its agents are in the wrong, abusive and overbearing. I request : cease and desist, annulment of debt and a redress of any notice of delinquency on my credit reporting. Please help me. Thanks
Product: Checking or savings account

I have been locked out of my Robinhood account for 4 days now. 
There is around XXXX in the account that I am possibly losing money on. 
Or not being able to take a profit. 
I have XXXX shares of XXXX stock and 1 XXXX stock. 
I have called to company ( Robinhood ) I have emailed them multiple times and all I get is a automated email saying they have received my email and someone will email me soon. 
It's been 4 days and I have had zero help. 
They are very unprofessional and I would like access to my account immediately.
Product: Vehicle loan or lease

I originated an auto loan with Santander in XX/XX/XXXX. I started to have difficulty with the loan and placed it under a payment arrangement. To my surprise, the vehicle was repossessed on XX/XX/XXXX while under a payment arrangement. I did speak with the representative and asked, her reply was 'that doesn't mean anything '. I attempted to pay the entire delinquent balance even after repossession to regain the vehicle and was denied. 
I learned this month that Santander settled in a class action suit, admitting to initiating thousands of sub prime loans which violating protection laws. The notification stated, 'Santander will pay {$65.00} XXXX to the 34 participating states for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX. For consumers with the lowest quality loans who defaulted as of XX/XX/XXXX and have not had their cars repossessed ... ' I find it convenient that thousands of us had our vehicle repossessed prior to the XXXX XXXX, XXXX date to eliminate our sub prime loans from the Santander settlement, although we do have sup prime ( and therefore illegal loans ). So we now owe the company a deficiency balance for a fraudulent loan, in spite of them admitting the loans were fraudulent.
Product: Debt collection

I have tried disputing this debt from XXXXXXXX XXXX XXXX debt collection 3-4 different times over the past 4 years, all which have resulted in nothing being done and this not being removed from my Consumer Report. It has continuously damaged my credit rating and now XXXX XXXX XXXX is saying that a payment was made and this account was opened XX/XX/2022. Which is clearly not true by the attached documents from the original creditor indigo platnums card email confirmation statements that I have provided as an example. Unfortunately I can no longer access statements that show this card came with a preset limit of {$300.00} yet XXXX XXXX XXXX is claiming that I owe {$920.00}. This is a gross misuse of illegal tactics to not only increase their profit on a debt that has already been discharged but is also at California 's 7-year limit of being able to be even listed on my Consumer Report. Their answer to this is to reset the date I opened Indigo account to keep it on my report and to have it continuously tarnish not only my score but my credit worthiness. This is an unfair business tactic that has made my life and my children 's lives suffer from false misleading untrue credit reporting to numerous bureaus.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX # XXXX and XXXX XXXX # XXXX are double reporting on my account. XXXX   XXXX  was sold to XXXX XXXX  but they are both on my credit and reporting a balance. This is in violation and it needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a personal credit card account with Bank of America. The last payment to this account was made on XX/XX/XXXX and the account first became delinquent on XX/XX/XXXX since I did not make any of the payment that was due on XX/XX/XXXX. This account was charged off in early XXXX due to non-payment. The account is scheduled to be removed from my credit report later this year as it will have been seven years from the Date of First Delinquency. 

Bank of America continues to incorrectly report to XXXX  and XXXX  the Date of First Delinquency to be XX/XX/XXXX. The account was deleted from my XXXX  credit report last month as it has become obsolete. I have tried disputing this information with both XXXX  and XXXX  several times during the months of XXXX and XX/XX/XXXX. The credit bureaus tell me that Bank of America continues to affirm that the Date of First Delinquency is on XX/XX/XXXX. I attached documentation to my disputes which include XXXX XXXX  account ( the account from which I always paid the bill ) statements as well as e-statements provided by Bank of America which reveal successive increases in both the account balance and minimum monthly payments due to non-payment of the account. My bank account statements and e-statements concur with the last payment being made on XX/XX/XXXX ( posting on XX/XX/XXXX ) with no payments made afterwards however Bank of America is not changing their story. 

My entire issue is only asking to adjust reporting of the Date of First Delinquency by one month ( correct date of XX/XX/XXXX and NOT XX/XX/XXXX ) or simply remove the old account from the two credit bureaus as it is going to fall off later this year anyway.
Product: Debt collection

I have received only a couple of calls from Credence Resource Management claiming I owe money. {$78.00}. I have asked them to send me the actual bill or have the original company call me. No one can seem to prove to me beyond a reasonable doubt that I owe this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, the companies below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX has violated my rights : XXXX XXXX XXXX ( XXXX ) have violated my rights by reporting inaccurate and inconsistent information that I have not authorized by verbal or written consent. 

15 U.S.C. 1681 section 602a - states I have a right to privacy.

15 USC section 604 -states a consumer reporting agency can not furnish an account without my permission.

15 USC 1681c ( a ) ( 5 ) - states no consumer reporting agency may make any report containing any of the following information ; any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15USC 1681 S-2 ( A ) ( 1 ) states a person may not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 i submitted documentation on a dispute i had and was never replied back too with transunion and XXXX after that due to the fcra laws my crdit score shouldve increased instead it dropped
Product: Student loan

I was not told clearly what so every about my loans and how they needed to be re-payed. 

They also change my loan payment amount every year and do it without notice or warning. 
I have been lied to and mislead.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiry I am writing to formally dispute certain unauthorized inquiries on my credit report, as outlined under the Fair Credit Reporting Act, specifically 15 USC 1681b. Upon reviewing my credit report, I identified several inquiries that I do not recognize and did not authorize. 
Unauthorized Inquiries : Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> Reason for Dispute : Unauthorized access These inquiries were made without my permission or any legitimate purpose as defined by 15 USC 1681b. As such, they are in violation of my rights under the Fair Credit Reporting Act. I request that these inquiries be immediately investigated and removed from my credit report.Under 15 USC 1681b, a credit report can only be accessed under specific circumstances, such as with the consumer 's explicit consent or for legitimate business purposes. Since I did not authorize these inquiries, they must be considered unauthorized.

I request that the credit bureau investigate this matter promptly.
Product: Credit reporting

There is a unauthorized hard inquiry from XXXX on XXXX XXXX, 2017 on my transunion credit report. I 'd like it removed.