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

In XX/XX/XXXX I applied for a home loan but was denied. The reason for the denial was an open but delinquent XXXX student loan account. I contacted XXXX to find out more about this student loan because I was unaware of it, all my other student loans are in good standing. A litigator at XXXX explained to me that in XX/XX/XXXX the cosigner on this student loan filed for bankruptcy and lumped in this XXXX student loan account. Eventually it was discharged in XX/XX/XXXX and the account remained in limbo for several years. I asked to have the account closed and removed from my credit report because I was unaware of this account and didnt have a chance to avoid delinquency. The litigator explained that, after much back and forth, the only option was to have the interest removed during the time the account was in limbo. I did not agree with this result and still requested to have this student loan account closed and removed my credit report. 
While waiting on a response from XXXX I received a collections letter from XXXX XXXX, dated XX/XX/XXXX, ( letter attached ) this company explained that they were attempting to collect a debt on behalf of XXXX but is willing to accept a settlement of {$19000.00} I responded, in writing, letting them know that I dispute the validity of this claim and would like information from the original creditor. While waiting for a response from that collections company I received another letter. This letter was from XXXX XXXX dated XX/XX/XXXX ( letter attached ) this company also said that they are attempting to collect a debt on behalf of XXXX, however they were willing to accept a settlement in the amount of {$7100.00} I responded in writing letting them know that I dispute the validity of this debt and would like information from the original creditor. As of today, XX/XX/XXXX I have received no response from either XXXX XXXX or XXXX XXXX. 
Two separate companies have attempted to collect a debt on behalf of XXXX. Both are requesting different settlement amounts and neither have provided information from the original creditor to support their claim.
Product: Mortgage

I previously filed a CFPB complaint against PHH on XX/XX/XXXX because they were refusing to provide me information regarding my loan and also because they were refusing to provide me with a repayment plan to bring my loan current. While I am a signatory on the promissory note and mortgage, PHH refused to discuss the account with me citing that I was merely an " alternate contact '' on the account rather than a borrower. Because they did not deem me a borrower they refused to review me for any loss mitigation options. PHH responded to the CFPB complaint, the matter was only partially resolved. Any resolution at all was due to their counsel 's actions and not PHH itself. 

Despite the fact that PHH was refusing to discuss any loan details of my account with me, their foreclosure attorney eventually provided my attorney with a repayment plan agreement in my name which I executed and returned as directed on XX/XX/XXXX. I have since made XXXX payments under the repayment plan which have been received and processed by PHH. 

On XX/XX/XXXX my attorney and I placed a call to PHH to ensure I would now have access to my account. During the call, I was again advised that I was not a borrower on the account, but merely an " alternate contact '' and PHH also told me they did not even have a copy of the promissory note which I signed in XXXX. My attorney told them that was impossible since the note and mortgage are both attached to the XXXX Foreclosure Complaint. Still, PHH required my attorney to email them a copy of the note and mortgage while we were on the call. After waiting nearly an hour, PHH finally stated they never received the email. My attorney send the documents again. PHH told us to call back in a week to see whether they were received. PHH also asked me to send them any emails I had with their attorney finding that I am a borrower. 

At this point, I have signed the promissory note and the mortgage, along with the Certificate of Occupancy and the Repayment Plan ( which are both in my name ). PHH needs to immediately grant me account access and ensure that I have borrower status in their account along with all of the rights and responsibilities that come with being a borrower.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent money to a phone number and it was wrong my one mumber and they could not provide me with my refund to send to the correct number!
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my transunion credit report I noticed a t ax Lien Docket #   XXXX . I immediately contact  XXXX  County court at  XXXX  I spoke to a court clerk that informed me that they do n't report to any credit bureau. I then disputed this information with transunion as they 're reporting inaccurate information and they responded with a letter dated  XXXX / XXXX / 2017  th at the information was verified as accurate. I called transunion and requested that transunion provide me with the method of verification and they refused to provide me with that information. Under FCRA, sec 611 ( a ) ( 6 ) and ( 7 ) I have the right to request the method of verification from the credit bureau.
Product: Credit card

This is a follow up to a memo dated Monday, XXXX XXXX XX/XX/XXXX provided below. 

As of today, XXXX XXXX XX/XX/XXXX @ XXXX XXXX I have AGAIN reviewed my credit report and see NO MODIFICATIONS to the Credit Report surrounding the issues addressed here. I have over Fifty Thousand Dollars of Credit that has been extended by Citi because of my outstanding payment histories. This is NOT REFLECTED in the credit reporting to the Bureau 's and is having a NEGATIVE effect on my credit. Currently as of today I am showing " open '' revolving terms since XXXX/XXXX/XXXX. My PAYMENT STATUS is showing as UNKNOWN. My BALANCE is BLANK ( although there is NEVER A BALANCE ) and my CREDIT LIMIT, AMOUNT PAST DUE and HIGH BALANCE is completely BLANK. My Credit Card statement shows Available credit of over {$50000.00} ( XXXX ) and it is not reflective in my credit report. As such it is NOT PROVIDING A FAIR AND ACCURATE ASSESSMENT OF MY CREDIT SCORE OR CREDIT WORTHINESS. I have contacted Citi over a half dozen times and they continue to tell me that they are reporting it. The Credit Bureau 's claim that the information is accurately reflected from what is being provided. All I am getting is the run around. 

XXXX Monday, XXXX XXXX XXXX Consumer Financial Protection XXXX XXXX XXXX, XXXX XXXX DC. XXXX RE : Formal complaint for Citi & Credit Management Department To Whom It May Concern, Over the past few years I have been working to address inaccuracies within my Citi Credit Card account that have been going unreported on my credit report. The exact same information that has been provided multiple times previously and I have not been able get them to report the true and accurate information as indicated in the attachments. 

I have written multiple letters, certified correspondences and have called no less than a dozen times and ca n't get to anyone who can actually help me. I have requested the service reps to document the notes on the account. Even after XXXX DECADES as a customer, I can not seem to even get someone on the phone to speak to. This is IMPORTANT to report as it is having a NEGATIVE impact on my credit currently and if continues to go unreported it has the potential to cost me thousands if not hundreds of thousands in interest costs over the my remaining working years. 

Again, Citi shows an " Open Account " however, it still IS NOT reporting accurately as it still fails to show my 24-month history, my credit balance, by available credit limits or my payments being on time. All of which have a significant impact on credit scoring. 

Please again consider this letter another formal request for this issue to be investigated immediately and inaccurate information is addressed and modified reflective for the life of the account, so that my true credit history, and subsequent score, is reflected with the XXXX major national credit bureaus. 

+++++++++++
Product: Debt collection

Sometime in XX/XX/2023, I realized a unknown collection account added to my credit report. XXXX XXXX XXXX is a collection agency I am unfamiliar with. Medical Data is the original creditor and I have never received a medical bill in my life yet alone been to the hospital. Someone has stolen my identity as well as put numerous unauthorized credit inquiries on my credit.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Mortgage

Adjustable rate mortgage payment increased from {$3600.00} to {$9000.00}. 

Have never missed a payment or been late in 13 years, but ca n't refinance because we do n't have 2-years employment history, so a loan modification is the only option. 

We 've been in the Ocwen " Request for Mortgage Assistance '' process since XX/XX/XXXX, and provided all the requested documentation by XX/XX/XXXX. It takes Ocwen 2-3 weeks to review documents, and on three separate occasions they have requested the same document that is already in their possession. 

It 's impossible to reach a representative who can or will review the paperwork and sign off, and we have n't even made it to the underwriting/remodification stage. 

It appears that Ocwen 's strategy is to appear like they are trying to process loan modifications, while relying on purposely inefficient processes to maintain the status quo. I know for a fact it would n't take this long if they were processing a new loan application. In the meantime, our mortgage payment increased by 2.5x and  {$5400.00}. We ca n't survive much longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2021, I received a letter from the XXXX XXXX XXXX XXXX XXXX XXXX stating that " within the last 12 months we have at least one report that added negative information to your NCTUE file '' and that I have the right to obtain a free copy of my file from them. I contacted the phone number they listed on the card and was answered by an automated system. I followed the prompts, and the system said my request could not be completed. I tried again and got the same result. I tried again and clicked 0 in the hopes I would get a representative, but that line seems to only be automated. 

It gave me instructions to mail a request to the company to receive my free copy. Those instructions were to send a copy of my social security card, a copy of my drivers license, a copy of my utility bill, my DOB, and a list of the addresses I lived at in the last 5 years. To be frank, because their system could not complete my request over the phone, I am already worried that the NCTUE has collected fraudulent information on me, and I will not open myself up to more fraud by sending sensitive documentation to them through the mail. 

Because of this, I really need to get in contact with a real person at the company, not just their limited automated system. I did try to reach them in other ways. Their letter stated they are managed by XXXX but are not owned by XXXX, so I called XXXX  to see if they could direct me to a NCTUE representative, but they only gave me a phone number that went to XXXX  XXXX XXXX, who did not pick up the phone. 

I would like to receive my free report ASAP in order to counteract any fraud being committed against me, and I would like to do so without sending them a copy of my Social Security card. I have never heard of this company before and don't trust them to dispose of it properly, especially given their poor service so far. I also think this could have been easily resolved if they had made a representative available.
Product: Debt collection

I requested debt validation from one main financial on an alleged debt on my credit report which includes a contract bearing signature on XX/XX/21. They sent me a letter response attached by not debt validation as requested.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Checking or savings account

*Complaint Against Bank Of America Risk Closure Department* In late XX/XX/scrub> 2024 I deposited a check ( {$5000.00} ) from my employer. After clearing and posting in my account, the bank later reversed the deposit. The reason given after calling on XX/XX/XXXX was " counterfeiting ''. Other employees who deposited this check also had similar issues. My employer informed me that they would give us another check and that this time they could confirm that there would be no issues with it. After depositing the 2nd check my account was closed. I called my employer and issuing bank ( XXXX XXXX ) to confirm the validity of the check which they did. After speaking with numerous Bank of America departments, the check verification department informed me that they were not the ones who flagged my account and that instead it was done by risk closure. After doing more research with the other employees, a sickening realization was made. Bank of America ( along with XXXX XXXX  ) immediately closed the accounts of all lower-income and minority employees who had deposited these same checks but had cleared these same checks for higher-income status employees. After closing my account I was informed that a 2nd review would be performed ( XX/XX/XXXX ) and would take 5 business days ( XX/XX/XXXX ). This will now be almost 3 weeks of being unable to access my account, pay credit cards, pay bills, and fund my overdrawn brokerage account, etc. This has caused me brokerage fees, a plummeting credit score, and severe financial hardship as I can not purchase necessities such as food or transport. Bank of America even refused to transfer the old money in the account ( not from the check-in question ) into a different account so that I may survive. This complaint aims to expose the following : 1. The clear example of Debanking that institutions like Bank of America are executing 2. The lack of warning and communications for check deposit issues and account closures.

3. The overly bureaucratic account closure policy that freezes and locks up funds for extended periods thereby impacting consumers ' ability to access funds.

4. The blatant racism and poverty-based discrimination faced by many consumers in banking
Product: Debt collection

Received alert on credit report on XXXX/XXXX/XXXX regarding negative info from Allied Collection Services Inc.. I looked up number for this company and called them. I stated to them I have no knowledge of this debt and was never notified regarding this debt because Inever received anything in the mail. They told me the debt is from a company called XXXX XXXX regarding a payday loan inXXXX of XXXX. They said a letter was sent out to an address that I lived at more than 10 years ago. I asked them to send info in the mail. I received the info today and it states the account has been updated to to show as disputed. Not Acceptable!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student loan thats discharge and its still showing up on my credit report saying i owe XXXX and was late .The school close down and my loan was discharge with oweing no money XXXX XXXX IdXXXX .its not fair its bringing my score down badily
Product: Credit card or prepaid card

I am writing in merit again to my issue with Citibank not opening a dispute and resolving the dispute in my favour despite asking for information and the merchant not respond and proving that the merchant took my funds and has not performed the work. My issue with with the charge made on XX/XX/2019 in the amount of {$7000.00} with merchant XXXX XXXX XXXX XXXX. I was contact by Citi Executive Response UNit after filing my first claim, requesting more information which I provided and they never were in touch again. To date no refund has been issued. 

XXXX is perpatrade fraud by allowing merchants to bill large sums of money and not protect there cardholder when the merchant is running a scam.
Product: Debt collection

This is response to my original report XXXX about PORTFOLIO RECOVERY ASSOCIATES INC. in response to there XX/XX/2018. 

A copy of this letter was also sent via mail.
Product: Credit reporting or other personal consumer reports

According to Section 604 of the FCRA, a consumer reporting agency is only permitted to provide consumer reports certain entities and for specific purposes. These inquires were made due to identity theft and I would like for them to remove within 4 days. I am writing to formally dispute certain inquiries listed on my credit report that are unauthorized and inaccurate. Please remove XXXX XXXX XXXX. I have froze my Transunion due to unknown inquiries.
Product: Debt collection

This is the first time I have ever pulled up my credit score and to my surprise I had an account in collections that I was never aware of. I do not have any credit cards nor do I have any outstanding balances. Can you please assist me in fixing this problem that I know is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/17 BB & T bank did two hard hits on my credit via XXXX. I have been complaining to BB & T bank since I received a report of the double hit. Finally after many inquiries to BB & T they sent me a letter admitting that they accidentally hit my credit twice for the same thing. They said that they are human and theyre not perfect. They also said that they asked XXXX to remove one of the hits and that XXXX   complied by removing one of the double hits. 
I have a credit monitoring service which shows that both hits still show on my credit. 
I took that to BB & T bank to show them and two days later I received a call from them saying that corporate said that the problem had been fixed. 
I logged into Trusted ID and I still see both hard hits from BB & T bank. 
I cant get anywhere with this bank so I am asking for help proving that they did a double hit which caused my score to go down 78 points, give it take 2 points. I have done all that I can do to try to fix the problem that BB & T bank caused. And I have not got anywhere with them. 
I strongly feel that BB & T is purposefully lying to me regarding this matter, and I will not allow them to damage my hard earned credit score and get away with it. 
So Im writing you to ask for help to get that extra hit removed from my credit. 

Thank you Mr. XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX collecting a debt, this is not my debt and no more contact or ill sue them!
Product: Credit reporting or other personal consumer reports

Delete hard inquiries and late payments ( XXXX XXXX ) ( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> ChexSystems Consumer Relations Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Subject : Third and Final Notice Demand for Validation and Reinvestigation of Information and Notice of Intent to Pursue Legal Action To Whom It May Concern, This letter serves as my third and final demand for ChexSystems to validate and reinvestigate the inaccurate and/or unverifiable information you are reporting about me. Despite my previous requests dated [ Insert Date of First Letter ] and [ Insert Date of Second Letter ], you have failed to provide sufficient evidence to validate the disputed information or correct your records. 

I remind you that under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are legally required to conduct a reasonable reinvestigation of any disputed information within 30 days and either verify, correct, or delete the information if it can not be substantiated. Your failure to comply with these legal obligations is a direct violation of federal law. 

I am disputing the following information as inaccurate, incomplete, or unverifiable : XXXX. XXXX  XXXX XXXX stating fraudulent activity with the monetary loss I demand that ChexSystems take the following actions immediately : XXXX. Conduct a thorough reinvestigation and provide written evidence validating the disputed information. 
XXXX. Delete or correct any information that is inaccurate, incomplete, or unverifiable in accordance with 15 U.S.C. 1681i ( a ) ( 5 ). 
XXXX. Provide a written statement detailing the results of your reinvestigation, including the sources you relied upon. 

Notice of Intent to Pursue Legal Action If you fail to comply with this request within the legally mandated timeframe, I will have no choice but to escalate this matter by : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals Office. 
Initiating legal action against ChexSystems for willful and/or negligent non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681n, 1681o ). 
Seeking actual damages, statutory damages, punitive damages, and attorneys fees as allowed by law. 

I take my consumer rights seriously and expect full compliance. This letter serves as your final opportunity to address this matter before further legal action is taken. 

I expect a written response within 30 days of your receipt of this letter, as required by the FCRA. 

Sincerely, XXXX XXXX