23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on numerous occasions requested a copy of my credit report. Equifax will allow everyone access to my credit report but myself. They take me through all of these prompts. 

I can not gain access to my free annual credit report. I have requested a copy. I have requested for Equifax to mail a copy and they refused. 

This company is placing several different accounts on my credit report and they do not have a copy of my signature nor has their company requested further information from the other companies. 

I am very concerned someone in Equifax is committing fraud against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

the problem is with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, PH XXXX, INaccurate information on my credit report with this specific company, the loan was paid off on my credit report indicates {$7400.00} was a charge off NOT TRUE AND INACCURATE ... there is a XXXX balance on this account as of XXXX..the last date of the 1st missed payment was in XXXX. The original loan was paid off XX/XX/XXXX ... the loan is more than 7 years and 180 days per CALIFORNIA RIGHTS MUST BE REMOVED ... spoke with XXXX representive at XXXX XXXX XXXX and the company is refusing to removed the negative informantion and refusing to show the loan paid off. I also filed a complaint with EXPERIAN credit agency they are also refusing to delete this old and inaccurate information. XXXX DELETED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I filed a dispute with Equifax for a judgement on my credit report. Said judgement was deleted from XXXX and XXXX but Equifax updated the file to state " satisfied ''. They then placed the date XXXX/XXXX/2015 as the satisfied date. I am not able to obtain a mortgage due to their misinformation. I have re-disputed this information twice and they will not change the credit file.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I submitted an identity theft affidavit to XXXX XXXX to dispute two fraudulent accounts on my credit report : 1. XXXX  XXXX XXXX- {$180.00} ( Account ending in XXXX ) 2. XXXX XXXX XXXX XXXXXXXX XXXX - {$300.00} Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, consumer reporting agencies are required to block fraudulent information within four business days of receiving the following : 1. Proof of identity, 2. An identity theft affidavit, 3. Identification of the fraudulent accounts, and 4. A statement affirming the items are fraudulent. Despite submitting all required documentation on XX/XX/2024, XXXX XXXX failed to block or remove these fraudulent accounts. On XX/XX/2024, they completed my dispute and provided me with a result from Equifax, but they failed to address or remove the two fraudulent accounts on my screening report. This failure to comply with federal law has caused significant harm. XXXX XXXX provided this inaccurate screening report to the apartment community I applied to, resulting in a delay in my approval and preventing me from moving into my new residence as planned on XX/XX/2024. This delay has disrupted my housing situation and created further financial and personal hardship. I request that XXXX XXXX immediately comply with the FCRA by : 1. Removing or blocking the fraudulent accounts from my file, and 2. Providing written confirmation of the corrected information to me and any third party that received the inaccurate screening report. 


XXXX - Reporting Public Bankruptcy three times. All bankruptcy being reoprted do not belong to me and need to be removed. Please provide me with an transcript in to your investigation.
Product: Credit card

I applied and was approved for Amex Platinum Personal card on XXXX/XXXX/2016, where the terms and conditions stated a bonus of XXXX points on spending {$3000.00} within 3 months. 

I satisfied the bonus terms and received the points within 3 months ( before XXXX/XXXX/2016 ). The purchases and spending made qualified under those terms as appropriate ( I was over the threshold spend even after credits, returns etc, and none of the spending was for cash-like instruments like gift cards and so on ). 

However, today on XXXX, the points have been taken away, which is against the terms and conditions, given that I satisfied them completely and fully. I have fulfilled my end of the terms and conditions, and expect Amex to do the same please.
Product: Debt collection

In XXXX of 2018, I sent a certified letter to XXXX XXXX XXXX which was received on. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question or XXXX XXXX XXXX. XXXX XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Product: Debt collection

On XX/XX/2019 I received a threatening phone call from Sterling and associates claiming they would have a warrant out for my arrest if I didnt pay {$770.00} during that phone call. If I hung up or did not pay it then, Id be arrested. Said I had a payday loan in my bankruptcy and by doing so they could have me arrested for writing a bad check. They refused to give me the name of the payday loan company. Im a XXXX  mother of XXXX  and was scared to be arrested so I paid it in full that day. Just recently I found the receipt given to me from Sterling and associates so I decided to look them up on the XXXX  website. I saw others experienced the same and that its a fraudulent claim. Id like my money back.
Product: Credit card

My house recently burned down. I ca n't get online or get a customer service representative on the phone. I have been trying for a week now. I am on hold for XXXX to XXXX minutes at a time and no one ever answers. I do n't want this to go on my credit report but there is nothing else I can do.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and I noticed that there were two late payments on my account with XXXX XXXX XXXX that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. made several attempts to this company to stop reporting innacurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous innacurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that experian, XXXXXXXX XXXXASSUMED this VITAL role pursuant too 15 USC 1681 ( a ) ( 3 ). Also, Experian, XXXX XXXXfailed to be fair and repect my privacy according too 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. Experian, XXXX, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. Im giving experian the oppurtunity to make this matter right by way of the following ; REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INNACURATE PERSONAL INFORMATION. I have included certified mail slip proving the received these documents.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items on my credit report. 

Equifax : XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXX - XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX I Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

Truist Bank in XXXX, SC cashed thirteen forged checks on XXXX, XXXX  totaling {$6100.00} from my checking account. Then they cashed another one for {$3400.00} on XX/XX/2022, putting my acct into overdraft ( which I had never used before ). It was obvious that the signatures on the checks were not mine. The checks were very old BB & T checks stolen from a closed compartment in my locked car in my driveway of my house on my property during the night, along with several neighbors who were also robbed. I went to bank and reported the problem XX/XX/2022 after I saw my bank statement. I filed a police report with XXXX Police the same day. I was reassured by the bank employee that I would be reimbursed, but it might take some time. 
The police detective became frustrated with the bank for not cooperating with their investigation and subpoenaed the bank. On XX/XX/2022 I received a letter from Truist Fraud Claims saying that because of my negligence in safeguarding my checks, Truist denies my claims for reimbursement. I asked for a review and received the same denial letter XX/XX/2022. Truist said they were trying to recover my funds, then later said they could not because the thief used a XXXX XXXX They denied responsibility for not recognizing forged signature and cashing all 14 checks because of the XXXX XXXX also. 
Now I am told that they can not recover the funds or trace the money. But I can wait 180 days and see if something comes up! 
Bank manager at Truist said they often deny claims because their guidelines are different from other banks. Police detective said he has never seen a bank deny reimbursement on an obvious fraud claim. {$9500.00} is a lot of money and more than I had in my account. I am now having to make payments on the overdraft account! 
Please help me. I am XXXX years old with an adopted XXXX year old, retired, living on my social security and dwindling savings.
Product: Mortgage

I obtained a loan with loan depot in XXXX. On the day of closing, the account manager decided to change the terms/ figures on the closing disclosure. He also purposely did not provide information in my pursuit of the first time home buyer program which caused me to miss out on the benefits, although I was qualified. He also gave me a rate on my loan that was more than offered, even with good credit and more than sufficient income and moderate debt to income ratio. On the day of my closing, the closure agreement was changed and the amount agreed upon was not included on the final agreement. 
In XX/XX/XXXX, I decided to refinance and specifically asked not be transferred to the same office as was in XXXX. I was transferred to the loan officer XXXX XXXX who initiated the process and later to the account manager, XXXX. 
As it pertains to the closing, I am forced to report these concerns due to the trend I have personally experienced with loan depot. 
On the day of my closing, the title company was present to finalize the refinancing. However, we were unable to proceed due to errors and incorrect final numbers. This is after, loan depot completed and emailed over 15 different closure agreements. I was so confused and still confused about the efficacy and honesty of the documents presented by loan depot. I have grave concerns with the misrepresentation of my initial XXXX  and XXXX closures. Even after the closure in XXXX, I continued to receive emails regarding discrepancies. 
To address my concerns, I have made numerous contacts to customer service, XXXX XXXX, XXXX XXXX, XXXX XXXX, to name a few. After speaking with XXXX XXXX, he offered to send {$500.00} for the experience ; however, this did not occur. Prior to closure, I was also informed by all of the parties above that I would also skip a payment ; but that did not happen. Upon closure, they have all ignored my concerns and refused to fulfill the promises made, no further follow through. This company has Poor business practices and I am concerned that it is being to a particular demographic like myself. On XXXX, I was informed that my loan will be serviced by another company, not by email or mail, but only by me checking my escort online. 
In conclusion, I believe that this company should be investigated for their misleading and unethical practices. I need a full review of my loans that were serviced from XXXX  to current with loan depot.
Product: Credit reporting

I have had multiple credit accounts closed on me, despite good history and payment terms as agreed because of false an or erroneous information on both my Equifax and XXXX credit agency reporting. The adverse or negative accounts I have reported to you and a few have been removed already but not reflection in my score. 

Meanwhile my credit score took a huge dive from XXXX plus to XXXX as a result of the " false '' and.or " inaccurate '' information. XXXX XXXX has closed every single credit card I had with them that had a XXXX balance despite not one being late for failure to pay. Credit lines I do have with XXXX were reduced to exactly what I owe. THIS IS WRONG! XXXX XXXX closed me today, again I had a XXXX balance and was in good standing with them. XXXX XXXX &.
Product: Checking or savings account

On XX/XX/year> at approximately XXXX my checking account with Chime/XXXX  XXXX  XXXX XXXX was compromised with fraudulent activity using my Chime ATM debit card. A total {$1500.00} plus ATM fees that totaled to {$10.00}. When I became aware of what had taken place I contacted Chime customer service. They assured me that once the transactions post that I would receive a refund for the transaction. I also advised the customer service representative that when the transactions occurred I was leaving work my shift ended at XXXX on the above date I am currently employed with at the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Mississippi XXXX. The transactions happened at an ATM owned by XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX and second transaction XXXX, Florida within the timeframe of XXXX mins starting at XXXX thru XXXX. I also explained to Chime customer service that i was still in XXXX XXXX, XXXX XXXX the transactions occurred XXXX hours away. I also provided proof with gas receipt and copy of my childs check out time at her daycare and also a work roster showing that my whereabouts were accurate. I then filed a dispute twice and both times they were denied with the customer service representative telling me that they saw no issues with the transactions. A police report was filed with the XXXX XXXX Police Department.
Product: Debt collection

Calls and threatens to serve me and will not give me physical address.
Product: Mortgage

Citimortgage holds the mortgage loan to my home. 
I defaulted, and Citi filed for foreclosure in XXXX XXXX Ohio Court of Common Pleas. 
They won. The judgement against me is under a stay, while I have worked with Citi to receive a mortgage loan modification. For 7 months I have worked with Citi for a loan modification. 
On XXXX/XXXX/2016 a Citimortgage " Homeowner Support Specialist '' told me in a recorded call that I can not have a mortgage modification because the loan is owned by XXXX XXXX XXXX XXXX and told me that " XXXX does not participate in the loan modification program. '' The Citimortgage representative told me my qualifications to receive a loan modification were never considered. 
Every document I have seen states Citimortgage owns my mortgage loan. 
Citimortgage participates in mortgage loan modification programs. 
Citimortgage is under a consent decree with the U.S. Dept. of Justice to offer assistance with distressed homeowners. 
I am a distressed homeowner. 
There is something wrong about Citimortgage 's refusal to allow me to receive a mortgage loan modification. I am employed. I am well qualified for a loan modification. 
So do they own the mortgage loan or not? 
If XXXX XXXX XXXX XXXX owns the mortgage loan on my home, why does it not say so in the public record, and how did Citi have the legal standing to sue for foreclosure? 
If XXXX XXXX XXXX does own the mortgage loan on my home, how does that stop me from receiving a mortgage loan modification? 
What Citimortgage has presented me instead of a mortgage loan modification is an impossible repayment plan for all missed mortgage payments, the ballooning finance charges, the late fees, escrow, all their attorney fees & their court costs, well over {$22000.00} and is demanding that I pay XXXX of that whole amount in XXXX lump sum, up front. 
The problem here is that to now, Citimortgage has asserted they own my mortgage loan, and now that I can qualify for a mortgage loan modification they have either A ) ginned up s pretext for denying me a mortgage loan modification or B ) committed some public fraud, claiming they own the mortgage loan when they do not.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here are the accounts that need to be deleted : ENHANCED RECOVERY CO L - XXXX Balance {$740.00} ; ENHANCED RECOVERY CO L - XXXX Balance {$160.00}
Product: Checking or savings account

I opened a Citibank checking account on XX/XX/year>, today is XX/XX/year> and I have never received a debit card. Citibank customer service is by far the worst I've ever encountered. I am currently locked out of my account and can not access my money. I called their customer service and they told me that they can not send a code to my phone number on file because " their system won't let them '' so they said they will try to send it to my email address on file but they came back with the same outcome, they are unable to verify me in any way possible. They suggested I stop into a branch but that is not an option, I stay over XXXX hours away from the closest Citibank. So now they claim that they can not unlock my account/online access so my money is being held XXXX. I've been on the phone speaking to outsourced agents and supervisors and nobody can help. I spoke to a supervisor named XXXX in the XXXX Department on XX/XX/XXXX and he was unable to help also. He asked for my phone number to send a code, I provided him my phone number and he placed me on a XXXX minute hold. He came back on the phone and said " Unfortunately, we can not verify that phone number. '' That makes no sense because that is the number I used to sign up for this account and I've received codes from them in the past. He says that Citibank uses a third party source to verify information but this does not help their consumers! I provided a phone number to CITIBANK, not a third party service. The phone number is under my name also so this really doesn't make sense. He even claimed that they can not send a code to my email address neither. Nor can he verify me using my social security number, security code that I made up or any other means. So I asked, how can I access my money because you can not hold my money XXXX. His exact words were, " There is nothing Citibank can do about this. '' This is unlawful! Citibank deserves to be sued!
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$1000.00} Bankruptcy Chapter XXXX Bankruptcy - XXXX Chapter XXXX Bankruptcy - XXXX Chapter XXXX Bankruptcy - XXXX Late Payment XXXX - XXXX - {$5300.00} XXXX XXXX - XXXX - {$1800.00} Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information Also Known As : XXXX XXXX XXXX