23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name is XXXX XXXX XXXX and my dad passed away XX/XX/2018. He left behind a mortgage with ditech financial. My dad was current on his mortgage when he passed. I took over the mortgage and I fell behind and I called the company in XX/XX/2018 and requested help and a nice guy name XXXX assisted me. I later became behind again due to me having my own bills. My dad percentage rate is a 13 % and I was told to apply for a modification. I was told that I had to be living in the house hold. I told them that I wanted to assume the mortgage and they emailed me the forms along with all of the required documents. I provided a recorded Quit Claim and they stated that the type of loan he had. I could not use it until the property was in my name. I had waited for almost two months and they finally stated that no one opened the account and they apologized. the representative then stated that they would have the case escalated. I waited several weeks and received a letter stating my case was denied for failure to provide all documents. I was very furious because I had sent all documents and my case was overlooked and now they want me to reapply and provided all documents and they want to run my credit again and I don't think this is fair. I would like to get my payments current and have my interest rate lowered and I would like them to reopen the case. The deceased name is XXXX XXXX XXXX and the account number is XXXX and my number is XXXX. I look forward to hearing from the company really soon.
Product: Credit card

I was fraudulently charged for a {$1.00} in XX/XX/XXXX. Citi Bank immediately notified me and closed my card. 10 days later, on XX/XX/XXXX, the same merchant charged my new card before I had even received it. I immediately contacted Citi the same day and reported this as fraud. They closed this new card and then ordered me a new card. This charge has since posted to my newest account with the same XX/XX/XXXX date and it is already XX/XX/XXXX and I have not had this dispute resolved nor have I receive a provisional credit by the 10th day.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX, and Equifax, regarding their handling of inaccurate information on my credit report. Despite disputing the inaccuracies, XXXX, XXXX, and Equifax conducted an insufficient investigation that resulted in the verification of fraudulent accounts, thereby violating my rights under the Fair Credit Reporting Act ( FCRA ). 
I first became aware of the inaccuracies on my credit report when I noticed discrepancies in the information reported by XXXX, XXXX, and Equifax. I promptly filed a dispute by certified mail with XXXX on XX/XX/2024, tracking number # XXXX, XXXX Tracking # XXXX, and Equifax tracking # XXXX, providing detailed documentation highlighting the incorrect names, dates of opening and closure, as well as the presence of fraudulent accounts. 

Despite my efforts, XXXX 's investigation into the disputed accounts came back as " verified, '' indicating that they failed to conduct a thorough examination of the inaccuracies. The verified presence of fraudulent accounts on my credit report not only tarnishes my creditworthiness but also exposes me to potential financial harm. 
I have enclosed copies of all three credit bureau reports, where I have clearly highlighted in red circles the incorrect information and fraudulent accounts that XXXX failed to address adequately. The discrepancies present on my credit report are not only concerning but also indicative of XXXX 's negligence in upholding their obligations under the FCRA. 
The inaccurate reporting of fraudulent accounts by XXXX is not only damaging to my financial standing but also constitutes a violation of my rights as a consumer. XXXX 's failure to conduct a thorough investigation and rectify the inaccuracies on my credit report is unacceptable and warrants immediate action. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate measures to hold XXXX accountable for their actions. I request that XXXX be compelled to remove the inaccurate and fraudulent accounts from my credit report and take steps to prevent similar incidents from occurring in the future. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue and ensure that my rights as a consumer are protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$5000.00} XXXX CARD XXXX Date Opened XX/XX/XXXX Balance {$3200.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I ordered the wells fargo autograph card. On XX/XX/XXXX, my card was used fraudulently without me having ever received the card. 

I was issued a new card after WF did their fraud investigation. 

I was issued a new card on XX/XX/XXXX. 

It is currently XX/XX/XXXX and I have yet to receive the card in the mail. 

The card comes with a promotion to spend X amount in 90 days and receive Y bonus points. 

The days have been ticking off from the promotion yet I don't have a card and can't use it... I asked if they could reset the promotion date to when my new card was issued. 

The customer service rep was short, rude, and did not help. She said there was nothing to be done. 

This seems wrong...
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX, XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of I Identity Theft. I have sent in FTC Affidavit relating to the XXXX XXXX and EQUIFAX data breaches with addresses, names, XXXX, and accounts that were not mine While waiting for remedy, a new collection from XXXX XXXX appeared in the mist of dispute showing a new account had opened. I never consented or knew of this debt. this debt was disputed previously deleted and has illegally reappeared as a new account. I have never consented nor ever had applied for account. 
FRCA laws and U.S.C 1681 states reaging and knowingly reporting inaccurates and fraudulant are a violations. to my consumer rights. 
Also the XXXX late payment showing from XXXX XXXX should been deleted for during the XXXX XXXX XXXX, credit agencies may not report adverse payments to a consumers report. I have spoken to bank and they updated to good standing but Credit agencies still showing incorrect and misleading info. 
I am requesting these acccounts to be deleted. 
XXXX XXXX XXXXXXXX {$2700.00} date opened XX/XX/2022 XXXX XXXX XXXX XXXX {$120.00} date XXXX XXXX XXXX XXXX paid off XXXX XXXX XXXXXXXX XXXX off XXXX XXXX XXXX XXXX  XXXX off XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I contacted Transunion in regards to a drop of 130 points from my credit score. The message read that my school loans increased by {$27.00} which could be due to a missed payment. I tried to explain to the CSR that my school loans are in deferment, so that couldn't possibly be the case. I went on to explain to him that that increase was interest accrued. Also, neither one of the other credit bureaus decreased my credit score, and the same thing was reported on the two. The same thing happened in XXXX. I'd like my credit score restored, and all accounts on Transunion to be verified for accuracy. All the open accounts on my credit report are in " good standing '', and I've never missed a payment on either account. There is no reason for such a significant drop of 130 points.
Product: Mortgage

We closed on our property around XX/XX/XXXX, and our total monthly payment has been {$1200.00} with {$170.00} of that being held within the escrow account for property taxes and insurance. 

When I called the bank, they informed me that we are currently - {$6900.00} on our escrow account because the amount withheld only covered part of the taxes for the year. It's obvious no one else at the bank checked the amount needed to make sure that the whole years taxes were being accounted for in the escrow payment during the originations process. I've already filed numerous complaints with the bank about the loan during origination, and now a year later we're still dealing with this nonsense. The total payment will be raised to {$2100.00} on XX/XX/XXXX with {$560.00} of that going to escrow, and another {$580.00} to deal with their XXXX up. 

As of right now, all they're willing to do is make us pay the amount we're behind immediately, or benevolently let us pay it over 24 months when we had nothing to do with the amount being wrong to begin with. The bank obviously isn't going to do a thing to help us out of the mess they put us in, we need help!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX. I received an email from a PayPal stating that they are going to withdrawal {$490.00} from my account. I dont use PayPal and I had clicked a link through my email. They resumed to have me download an app called XXXX XXXX XXXX. They somehow knew I had a XXXX account and made some transactions of {$1.00} and {$1.00} to see if it would go through and it got credited back. I fell for this scam and didnt realize it. I deleted the app now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello - XXXX XXXX of 2016 I refinanced our mortgage and went through the normal procedures through the old and new leinholder, as well as the title company. The title company sent the funds to pay off the old mortgage and we received a letter a couple weeks later saying the loan was paid and closed. 

On my credit report they loan shows up as " Legally paid in full for less than the full balance. '' This is the only negative entry on my credit report. It shows up as a " major delinquency '' of great than 60 days. I've attempted twice to dispute it and they have refused to remove this negative item from my report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, ( XXXX ) XXXX, is the entity that provided the payoff to the title company, which they paid. If there would have been additional money needed shouldn't they have asked for it? We would have of course paid, but when we asked they said no funds were due. 

I would like this removed from my account as it is impacting my credit score through no fault of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported my account as CHARGED OFF, while was depositing my checks till XX/XX/2019. I found out XXXX XXXX SOLD my loan to OLIPHANT FINANCIAL on XX/XX/2019. I contacted Oliphant immediately & negotiated PAY OFF on XX/XX/2019. I received confirmation letter from Oliphant that my account PAID IN FULL. therefore XXXX XXXX should remove derogatory mark 'charged off ' from my credit report & post 'paid in full ', which XXXX XXXX refuse to do & keep negative mark on my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT 1 LATE PAYMENTS THAT IS NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, ALSP A CHAPTER XXXX LISTING I NEVER FILED. ALSO PREVIOUS ADDRESSES THAT NEED TO BE DELETED, AND 2 EMPLOYERS THAT ARE NOT FACTUAL THAT NEED TO BE DELETED. A LETTER OF EXPLANATION IS ENCLOSED THIS IS THE 3RD TIME I AM SUBMITTING THIS ONMY OWN ANDEITHER THE CFPB OR TRANSUNION SAID IT IS NOT FROM ME IT IS JUST A STALL TACTIC SO PLEASE RE SUBMIT THIS AND DO YOUR JOBS
Product: Credit reporting, credit repair services, or other personal consumer reports

In CFPB complaint number XXXX against XXXX XXXX for selling inaccurate data about me to other companies was closed with company response on XX/XX/2022. In that response both bankruptcy records they sold to XXXX, Equifax and possibly XXXX XXXX was indeed inaccurate and erroneous, in turn they removed both records. On XX/XX/2022 XXXX responded to my dispute of these items that the supplier of the information ( XXXX ) CERTIFIED that the data was correct and belonged to me. I am wondering if these items were removed by XXXX from their records how could they certify these same items to XXXX 9 days later? It is clear XXXX is WILLFUL in the neglect of the inaccurate data on my credit report. I want it removed immediately! They have 10 days before I file lawsuit.
Product: Credit reporting or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian sent me an email notice about a derogatory report of a 90 day past due collection account by " XXXX XXXX XXXX '' in the amount of {$310.00}. 

I called them and was told they had no idea who I was and had no record of any kind in connection with my name or any other. 

This is a bogus claim from a company I never even heard of let alone did any business at all. 

Please have them remove this unfounded claim from my credit history and restore my FICO credit score. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

I recieved a debt collection letter in the mail, around the first of XXXX, for a fraudulent Uitlity bill from XXXX XXXX out of XXXX. This bill was dated for XXXX of XXXX. This was the second time in six months that this company XXXX XXXX sent a collection company after me for a fraudulent account opened in my name. The first time was in XXXX of XXXX for and account opened in XXXX of XXXX. I went to the police both times and filed a report. I also filed on theft.gov. The first collection agency removed the collection from my credit report immediately on receiving my paperwork. Online Information Services was mailed two certified letters with police report and theft.gov letters. They wanted me to send a copy of my social security card and drivers license, but I refused. Instead, I sent a letter from my school where I have taught for the last 4 years to prove that I did not live in XXXX but 200 miles away. I also sent a copy of my trash pickup service dated for XXXX of XXXX. They said that my packet was incomplete .... XXXX XXXX contacted me XX/XX/XXXX and said that they determined that the account was fraudulent. However, Online Services placed the collection on my credit report anyway. Then, I filed a dispute with XXXX! Online Information Services has now said that the collection was paid on my credit report and my score has dropped over 50 points. Because, it still appears that there was a collection against me ... ... .The first collection agency had no problem removing this fraudulent charge from XXXX off my report. However, Online Information Services has a bad reputation of doing this very thing quite often! Just read their online reviews. I am XXXX, a widow, hardworking XXXX XXXX XXXX XXXX I think that these two companies, Online Information Services and XXXX XXXX should both be reported for bad business practices. What utility company would allow a person to not pay their XX/XX/XXXX bill or XX/XX/XXXX bill but still open another account in XXXX in the same persons name and let both bills go unpaid! Then send me a collection notice in XXXX and XXXX to my REAL address. Online Information Services also sent me a copy of the XXXX XXXX bill with not one phone number on the bill to contact the company... .Something shady is at work here!!!! Both bills were for the exact same amount {$1000.00} ... .that is questionable also ......
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I sent a wire transfer to XXXX XXXX, with XXXX XXXX XXXX, in the amount of {$1500.00} for wholesale hair extensions for my company. Upon receiving the hair extensions at my retail location we discovered that the extensions were infested with XXXX XXXX. I sent pictures to the supplier and requested a return and exchange or refund, which both were denied. I continued to plead with the supplier for months to accept a return or exchange, with no luck. Finally in XX/XX/2022 I disputed the charge with XXXX XXXX XXXX. After less than 24 hours XXXX XXXX denied the dispute with the response : we looked into this, and our research show the payment was processed according to your payment instructions. I never argued that I did not authorize the payment. I argued that I received good that were not usable. This is evidence that they, in fact, did not research my claims, or even reach out to the merchant. 

After to luck with the supplier, or XXXX XXXX, I reached out to Wise, INC on XX/XX/2022. Wise is the service that I used to transfer the funds to the supplier. Wise advised me to file a police report and take up the matters with my local police department. 

I am at a loss here and I am unsure how to retrieve my funds or actual retainable good. I operate a small business that can to afford to take a loss. 

I will attach photos of all communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Employers : XXXX XXXX XXXX Employers : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting adverse information to the credit reporting agencies ( XXXX, XXXX, XXXX XXXX XXXX. I send the company a dispute letter asking for proof of the adverse information they are reporting to the credit bureaus. The company provided a generic letter stating they are not able to change the delinquent ratings reported to the credit bureaus. The company did not provide any proof for the adverse information that they are reporting. I have disputed this issue several times with the credit reporting agencies ; and they claim they verified the information as accurate. The credit reporting agencies is verifying the information through there XXXX system with a code ( a electronic third party data base ) and not doing a reasonable investigation as stated in the Fair Credit Reporting Act. The company is responding to the credit reporting agencies with an XXXX code. The credit reporting agencies can not verified 100 percent of the information as accurate without any documentation or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is XXXX XXXX XXXX XXXX Credit Bureau Review Request. The information requested is : The account number is XXXX as noted on top of request. I am disputing all months. The reason for dispute is XXXX  did not possess nor has ever sent proof of permissible permission to access my report for benefit of a another person. The information I am disputing is the entire tradeline. The outcome I am requesting is an investigation as mentioned in attached letter instead of claiming this is a duplicate request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some time ago I sent a letter regarding inaccurate and unknown things on my credit report.. To this day, well over two months later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to stress you caused me. Due to my stay at home I found that my information was also impacted by Equifax data breach and may have gotten into the wrong person hands. I used this link below.

Equifax Breach Inquiry XXXX XXXX XXXX : XXXX