23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX Citibank Rep emailed me a great offer. 
o no points and we pay all your closing costs including appraisal o With $ XXXX Citi banking relationship 3.125 % ( APR XXXX ) = {$3700.00} interest only o With $ XXXX Citi banking relationship 3 % ( APR XXXX ) = {$3600.00} interest only XX/XX/XXXX Spoke via phone to Citibank rep XX/XX/XXXX Entered in refi ( not sure their exact date from Citi standpoint, but its close. ) XX/XX/XXXX My Rep notified me of Covid delays at Citibank. 
I stayed in communication with my rep, did my appraisal XX/XX/XXXX deposited $ XXXX in Citibank checking and offered to move over IRAs to eclipse the $ XXXX in banking requirement. I was told hold off on the IRAs, and we can work that later. 
XX/XX/XXXX started direct deposit {$1000.00} to Citibank Checking My rep and I discussed possibly closing in XXXX, so I held my current mortgage payment XXXX my mistake ). I did think that I made the payment midway through XXXX, but I did not submit. I have reached out to XXXX asking for support in correcting this. I paid double to catch up once I couldnt get in touch with my rep at Citi. 
XX/XX/XXXX I was notified that my Citibank rep was no longer with the company. 
It took me several calls to different reps to get in touch with an area manager who was responsive. 
XX/XX/XXXX I was asked to upload additional documents and notified that I was no longer in underwriting. 
XX/XX/XXXX I uploaded all new dated documents. Going forward it was me proactively reaching out. I was not in communication unless I initiated outside of snail-mail with conflicting info. 
XX/XX/XXXX Citi manager emailed me back after a couple emails from me stating we are awaiting a review of your file. We have all your docs. 
XX/XX/XXXX and XXXX I asked again if I needed to pay my other mortgage, or if we were closing soon. XX/XX/XXXX I was told to keep paying my current loan as underwriting is backed up. 
XX/XX/XXXX I received an new loan doc via snail-mail, and it looked different than we had discussed. 
XX/XX/XXXX I received snail-mail asking for additional documents. I emailed the only responsive rep ( area manager ), who directed the new loan officer to instruct me on the additional info needed. 
XX/XX/XXXX I was notified I no longer qualified for this loan that I was solicited for. 
XX/XX/XXXX received email that they Citi will credit back the price I paid for the appraisal ( no interest ) and given the info to mail the Office of the President my experience. 

When refinancing, I never move money as it complicates interactions and requires written notification on movement. I held off selling stock which I do annually if I need to catch up. That strategy was agreed with my original loan officer, and we discussed my facing higher credit card payments to achieve Citibank incentives. The Citibank checking incentive of {$1500.00} would help offset that loss of credit payments. After not closing for several months, I had to dip into that $ XXXX sitting in Citibank, and lost that incentive as well.
Product: Mortgage

I applied for forbearance and was approved on XX/XX/2023, until XX/XX/2023. I haven't logged into my account since I applied for forbearance until today. When I checked my messages, I found a letter stating that I requested to cancel my forbearance plan on XX/XX/2023. I never requested to cancel it, as I had just applied for it and was approved. It's perplexing that it shows I requested cancellation when I haven't spoken with PennyMac since before my initial request, and I hadn't logged in during that time. How was my account accessed, and why was my request canceled?
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Experian credit report and there is a discrepancy that says I owe several hundred dollars for medical services that I did not receive. I have been on the phone with XXXX twice, each time for more than an hour. In fact, as I am typing this, I am on my 65th minute on hold. Experian has identified that the person who owes the debt that is on my credit report has a different name than me and that the debt collection agency does not have a social security number on file. I already submitted a " dispute '' 30 days ago and it was declined. Experian is telling me that the collection agency has the right to put it on my credit report since they do not have a social security number for the person who received the services. They also now are telling me that it is my responsibility and my burden to prove that I did not receive these services and that I am not XXXX XXXX. They are also saying that they will file another dispute letting the company know the issue, which they already did and it was already rejected. How is it that someone can damage someone 's credit report by guessing who owes the money and then it falls on the innocent party to prove that they did not receive those services and that they are not the person who owes money? It has left me with only an option to seek an attorney at this point.
Product: Credit reporting

I contacted Experian to make them aware that this public record XXXX has been filed in error and has now been dismissed and vacated by the Courts I sent Experian the court documentation showing that it is no longer active and was filed erroneously but Experian has yet to block this information from my credit report.
Product: Credit reporting or other personal consumer reports

hello my name is XXXX XXXX XXXX I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and disappointment with the handling of my identity theft complaints by your bureau. This issue not only involves the theft of my personal data but also highlights the apathetic approach your bureau has taken in managing my situation. 

I have provided all necessary documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and its profound impact on my life, your bureau 's response has been alarmingly lackluster. Communication regarding the status of my disputes has been minimal, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the institution I relied upon to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$190.00}
Product: Mortgage

For 111 months Wells Fargo Added fees unknowingly to me onto my monthly payment. The add on company had my private information unbenouced to me. Wells Fargo needs to pay me for the committed fraud and identity theft. Please CFPB actually do your job, you sending it back to them to judge their crime does nothing for justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter as XX/XX/23 stating the information they have has been verified by the Bankruptcy court house. Which in fact TransUnion has lied by falsely putting unauthorized information on my credit report and also by providing proof TransUnion have any documents from the Federal Bankruptcy Court house. According to 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : n ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. A report of a bankruptcy is an infringement of my right to privacy and such reporting is a direct violation to the Fair Credit Reporting Act 15 U.S.C. 1681 ( a ) ( 4 ) a consumers right to privacy. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. So if I didnt give them written instructions to report this information according to the law above wouldnt that make it illegal, and a violation of section 604 for them to report such false and erroneous report. I request TransUnion either provide documentation of the Verified information or promptly delete that item of information from their file. I have my court letter and TransUnion stating this is verified by Federal Court house which in fact is not and the letter clearly states the court house doesn't shar any information with anyone including Credit reporting agency. TransUnion lied!
Product: Debt collection

I have no knowledge of this account or this company saying that I owe them.
Product: Mortgage

Sent Payments to JP Morgan Chase Bank since XXXX till XXXX asked where have they been sending our payments to and have not received information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously been the victim of identity theft and now have some more items appearing on my credit report that were not done by me or authorized. I will be placing security locks on all three bureaus to prevent this in the future. The list of Unauthorized Inquiries are : Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX. XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent credit reporting agency Experian a letter ( per their request ) requesting my consumer report, consumer file and investigative file. As of XX/XX/XXXX, I have not received any of the 3 documents I have requested.
Product: Credit reporting or other personal consumer reports

I seldom use my Comenity Bank, XXXX XXXX credit card. I made a purchase with this credit card on XX/XX/2023. I did not receive a statement for this purchase and since I rarely use this credit card its not setup for auto pay and I didn't think about it. When I realized I never got a bill I called Comenity Bank and told them I haven't received a statement, they apologized and waved the late fee and I paid the bill in full over the phone on the same call I made to them. Later come to find out the late payment was reported to the credit bureaus. I filed a credit bureau dispute and asked Comenity Bank update and remove the late payment credit reporting. They sent a letter saying they were unable to make any adjustments to my payment history. I called and requested documentation on how the came to the conclusion they were unable to make any adjustments to my payment history but I never received any additional information. I then disputed the credit reporting with the individual bureaus but Comenity Bank still would not adjust my payment history or give me any additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS REPORTING ON MY CREDIT FILE THAT I OWE XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, TN {$640.00} FOR XXXX XXXX. ALL OF MY MEDICAL BILLS IS COVERED BY THE UNITED STATES GOVERNMENT. EQUIFAX REFFUSES TO PROVIDE VALIDATION OF THE DEBT AS REQUESTED BY ME.
Product: Mortgage

Stonegate Mortgage increase by {$300.00} a month without warning
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an unwarranted student loan that has been reported on my credit report to my knowledge since XX/XX/2020. I have been disputing this since 2020 to no avail. I feel defeated and helpless at this point. 

I am appalled that XXXX/Dept of Ed and Utah XXXX XXXXDept of Ed has continuously reported inaccurate information on my credit report causing damage to my lively hood, preventing me from purchasing a home, a higher interest rate, and credit denial. CornerstoneXXXX XXXX XXXX and Utah XXXX XXXX XXXX XXXX has failed to mark my credit report disputed, failed to respond in the allotted time, and failed to provide my signature violating the debt. I have also attempted to dispute this with XXXX, XXXX, and Equifax who also did not provide any of the requested information per the guidelines of the FCRA. Therefore the Item in question should have been removed, not to mention it doesn't belong to me. I have kept careful records of all records pertaining to this matter. 

I want the debt to be fully removed from my credit report. I am also asking XXXXDept of Ed to compensate me the amount of {$5000.00} for violating the FCRA as well as punitive damages.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Kickoff/CCB has violated my rights.

Under 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 a Section 2 also states a consumer reporting agency can not furnish an account with my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This is a formal complaint regarding inaccurate and unlawful reporting of late payments on charged-off accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX  XXXX These errors are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates maximum possible accuracy in consumer credit reports.

I. INACCURATE REPORTING Late Payments on Charged-Off Accounts : It is widely established that once an account is charged off, reporting additional late payments is not permissible. Despite this, the aforementioned creditors have continued to report late payments after charging off the accounts. This practice is both inaccurate and misleading.

Violation : Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of information included in consumer reports. 

Permissible Purpose : I do not give written consent for XXXX, XXXX, or TransUnion to report these accounts or my personal information further. The reporting of these accounts without my consent constitutes an additional violation of the FCRA, specifically 15 U.S.C. 1681b, which restricts the circumstances under which consumer information may be disclosed.

II. FAILURE TO RESPOND TO DISPUTES I have previously disputed these accounts, and the credit reporting agencies failed to respond within the required 30-day period as stipulated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). This non-compliance places your agencies in direct violation of the FCRA. 



XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Credit reporting agencies are liable for failing to ensure maximum possible accuracy of consumer information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Reinforces liability for inaccurate reporting under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Agencies must conduct a reasonable investigation upon receiving a dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Establishes consumers right to challenge inaccuracies in credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Agencies duty to investigate disputed items thoroughly.
Product: Debt collection

I'm attaching an comply letter because XXXX and XXXX XXXX is reporting inaccurate data on my credit report. 
XXXX Global Lending Services Acct # XXXX {$10000.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$810.00} XXXX XXXX XXXX Acct # XXXX {$410.00} XXXXXXXX XXXX  Acct # XXXX {$130.00} Global Lending Services Acct # XXXX {$10000.00} These items was removed off my XXXX account
Product: Credit card

Goldman Sachs Bank USA will not give me my physical card number, so that I can proceed with processing a balance transfer with a different bank. Goldman Sachs Bank USA refuses to give me my physical card number, which I should have access to as the account owner. I should have complete access to my account. Also, one of Goldman Sachs Bank USA credit card representatives told me, We dont like balance transfers over here at Goldman Sachs , because we like to make money off of your interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted A dispute prior with all 3 consumer reporting agencies several times in regards to the " XXXX XXXX XXXX  Card '' that appears on my credit report with A balance of XXXX. All 3 consumer agencies updated the account with disputed but did not remove the account. When I received the updated report in the mail it had this account came back as " Verified ''. I then reached out to XXXX XXXX XXXX XXXX  directly and they informed me they had not received the prior disputes from the consumer agencies. They then opened there own investigation and determined this account was NOT my account and in fact A fraud account. I am wondering how was all 3 consumer agencies able to " VERIFY '' an account that the company itself is saying is invalid and fraud? : I went onto the XXXX  website and could not submit documentation because it still says under investigation. However XXXX  and Experian both say online that I am unable to dispute the information again due to the prior disputes. I have attached the letter I reached on XX/XX/20 from XXXX XXXX XXXX XXXX  advising and confirming that the account was fraud and did not belong to me. They also advised they will remove any reporting from all 3 consumer reporting agencies within 45 days. I should not have to wait on this company to reach out to remove this fraud account when I have submitted several disputes and the consumer agencies failed to properly veriy the account according to the FCRA. I am also requesting that all 3 consumer reporting agencies have my name listed correctly as XXXX XXXX as I have sent my drivers license and social several times to have my personal information updated. My last name is no longer XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company, Ally Bank, failed to notify us that their automated system failed to work because they sent our monthly statements to some address in XXXX, not our address ( XXXX XXXX XXXX XXXX XXXX MI XXXX. As a consequence, we were not even informed that their automated payment system failed. 

This complaint differs from XXXX - which is based upon their automated payment system not working. This complaint is that Ally changed the mailing address we gave them ( above ) to some address in XXXX. After some investigation, it appears that someone who shares my name put in a change of address form with the USPS and that Ally has some kind of automated system for culling such change of address information. As a consequence, Ally stopped sending us monthly notices. Therefore, we had no way of knowing that their system failed ( until we reviewed our bank statement at the beginning of the following month ). 

Their assertion that they 'correctly reported a late payment ' is FALSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX have been sent 3 three disputes about the inaccurate accounts : 1. XXXX XXXX 2. XXXX These inaccurate items do not give me a fair and accurate credit report according to the Fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its leg obligation under the Fair Credit Re Act ( FCRA ) to conduct a reasonable reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Equifax has been reporting incorrect information on my credit file that was involved in identity theft. They have several incorrect addresses, names, accounts and phone numbers. A police report has been sent to them several times and yet they continue to report incorrect information including my social security number.
Product: Credit reporting

Experian continues to report an inaccurate tradeline regarding XXXX XXXX XXXX. I have contacted XXXX XXXX via certified mail attempting to validate this debt, with no response. I have disputed this with Experian multiple times, but they keep insisting the account is correct. This evening while speaking with XXXX, I asked to speak to a supervisor or the person responsible for reviewing the documentation from XXXX verifying this debt. XXXX told me those individuals do not have telephones and I could not contact them. After a long debate, XXXX finally agreed to get a supervisor for me, but he just transferred me to a VM box. As the consumer, it seems unreasonable that I have provided sufficient documentation to support my claim, but as XXXX explained, XXXX XXXX does not have to provide any proof to Experian regarding this debt. I want this account permanently removed from my credit report.