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

On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days 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 ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

I C systems # XXXX keeps sending a bill for XXXX. This original medical bill was from XXXX XXXX XXXX  XXXX This bill was paid in full by insurance and shows a XXXX balance. I C systems keeps validating this debt and sends me a bill from XXXX XXXX XXXX XXXX. with a XXXX balance. I C systems also is using my medical information to validate a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

U S DEPT OF EDXXXX {$5500.00} Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX Loan Amount {$5500.00} {$5500.00} Payment Info Status Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; XXXX internal collection department Status date XX/XX/XXXX Past due amount {$5500.00} Original loan amount {$5500.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX C C C - - - - - - - - - XXXX C C C C C C C C C C C - XXXX - - - - - C C C C C C C C Collection - Data Unavailable
Product: Mortgage

Since the beginning of this year I have been applying for a remodification for my mortgage while in foreclosure status but have been denied twice by my loan servicer Ocwen. After they have moved the sale date twice as a result of my remodification application, I was informed by XXXX different people on XXXX different occasions that my property was not in foreclosure anymore, but delinquent. But the company still went ahead with their foreclosure proceedings and foreclosed on my house on XXXX XXXX. I only received a from their trustee after the proceedings occurred, and that letter was dated XXXX XXXX. I have filed a dispute with the XXXX at Ocwen for wrongful foreclosure, due to their employees willfully lying to me about not being in foreclosure, but they have denied any wrong doing, and are proceeding with the foreclosure. I live in this property with my wife and kids, and I should n't lose the when I have been falsely informed so I can lose the home. I would like to remain in the property and make my monthly mortgage payments.
Product: Credit reporting or other personal consumer reports

I am writing to demand the fraudulent XXXX account and inquiries that have been reported to my credit report, be completely removed from my credit profile. I have submitted fraud reports for this account to be removed in 4 days, disputed, and thoroughly investigated because I did not open these accounts. By law, an FTC works when identity theft is involved and the account needs to be removed immediately, within XXXX business days. We go by the law. I as a consumer have my legal rights. 
This account and inquiries must be removed immediately. If not, My attorney & I will take the necessary steps to ensure I receive all compensation for this horrific injustice regarding my credit report through a lawsuit. Please remove this illegal account, Thank you for your time and help in this matter FRAUDULENT Account to Remove : - XXXX XXXX - Fraudulent Account Account Balance : {$0.00} FRAUDULENT INQUIRIES to REMOVE from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT OPENED XX/XX/XXXX CAR WAS TOTALED ON XX/XX/XXXX CLAIM WAS MADE WITH XXXX XXXX  ON XX/XX/XXXX THE THE REMAING BALANCE OF THE VEHICLE TO XXXX XXXX WAS PAID ON XX/XX/XXXX SETTLEMENT VALUE IN THE AMOUNT OF {$28000.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and dispute regarding an account on my credit report that I believe is a result of identity theft. The account in question is with XXXX XXXX, and it was reported on XX/XX/2020. The details of the account are as follows : - Account Holder : XXXX XXXX - Reported Balance : {$710.00} - Credit Limit : {$400.00} - Account Type : Charge Account - Responsibility : Individual Account - Remarks : Charged off account, Account previously in dispute - Now resolved by data furnisher, First payment never received I am disputing the accuracy of the information reported for the following reasons : 1. **Identity Theft : ** I have reason to believe that the account in question is a result of identity theft. I did not open or authorize this account, and I have no affiliation with XXXX XXXX. 

2. **Inaccurate Reporting : ** The reported balance of {$710.00} and the charge-off status of the account are inaccurate and do not reflect my financial history or activities. I request a thorough investigation into the origin of this account and verification of its validity. 

3. **Resolution of Dispute : ** The remarks on the account indicate that it was previously in dispute and has now been resolved by the data furnisher. However, as I did not initiate this dispute, I request clarification on the details and outcome of the dispute resolution process.

4. **Protection of Credit Report : ** I request that immediate steps be taken to protect my credit report and prevent further damage resulting from this fraudulent account. This includes the removal of any inaccurate or fraudulent information from my credit report. 

I request that the Consumer Financial Protection Bureau prioritize this matter and conduct a thorough investigation into the identity theft and fraudulent account activity. Specifically, I request the following : - Verification of the validity of the reported account and confirmation of identity theft.

- Correction of any errors or inaccuracies in the reporting of the fraudulent account. 
- Provision of assistance and guidance on steps to take to mitigate the effects of identity theft and protect my credit. 

I have attached copies of relevant documents and correspondence related to this dispute for your review and investigation. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution and the correction of any inaccuracies resulting from identity theft. 

Sincerely, XXXX XXXX
Product: Student loan

In XXXX, I filed bankruptcy due to job lay off and insufficient funds to cover household expenses as well as personal expenses. I luckily got my job back a year later working for the State of Connecticut, therefore qualifying for student loan forgiveness after 10 years. I have been in loan repayment for two years now and was told all of my loans were accepted. I have been faithfully paying {$220.00} per month ( they calculated that based on my income ) and out of nowhere just yesterday my father ( who was the co-signed on a private student loan in XXXX ) got a letter from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX demanding that he pay {$5000.00} for a private student loan. 1. I never received any phone calls, letters, or emails prior to this informing me of any leftover, unpaid student loans from Navient and all of a sudden a law firm is trying to get money from my father who is the CO SIGNED not the loan owner. How is this legal? I was never confronted by Navient, never even given the chance to arrange any type of repayment with them. I don't understand how this could be legal. Aside from the fact that I filed bankruptcy 2 years ago. I understand federal student loans are not discharged but what about private loans?
Product: Debt collection

XXXX Solutions called my sister on both her home phone number and her cell phone number, and proceeded to leave a lengthy message about their attempts to collect a debt in my name that was allegedly attached to XXXX Bank. I am not with XXXX Bank, and have not been with them for around XXXX years now. They also called my parent 's home phone, without leaving a message. The number left was XXXX. I have been harassed by multiple scam groups in the past year and have researched some of the laws involved and how they conducted themselves seemed illegitimate. I owe money to varying groups, and I am in contact with each and every group I do in fact owe, and have paid or am in the process of paying the debts that I owe. I have never XXXX dealt with a company called XXXX Solutions, or recieved any letters regarding any intent to collect a debt from said company. As I said, this is not the XXXX time I have been the victim of scam calls, and I am not foolish enough to speak to or give any information to these groups anymore. I will only ever deal with a legitimate business that conducts themselves as such. Every group I deal with contacts me via certified, confidential mail, not threatening voice mails on family phones. I have attempted to submit complaints on previous groups before, including Delaware Solutions, LLC, who still occasionally attempts to bother me as well, but this is the XXXX time I am following through with a complaint, because I am absolutely out of patience in being harassed like I am. It feels like extortion. It 's definitely harassment. 
I dislike that they obviously have personal information about me, as they are contacting my family, and it frightens me that these people may be criminals and may have more sensitive information that I would not know about. Like I said, I screen the calls, and have a call blocker, but I would very much like to see something done about scam groups like this, if not for people like myself, then for others who are tricked by these people into giving them money.
Product: Credit reporting or other personal consumer reports

There has been an identity theft on my EQUIFAX credit report as someone is tried to apply for a credit card with the name XXXX on XX/XX/year> using my SSN and other details without my consent or knowledge
Product: Mortgage

I believe CitiMortgage and XXXX/XXXX XXXX  as " alleged Servicers '' engaged in an ilegal transaction carrying my name Back in XX/XX/XXXX/XX/XX/XXXX going beyond their capacity as " SERVICER '' a capacity as the original deed said Belongs only to the OWNER/INVESTOR of the Documents Deed as it states PAGE10 SECTION 18.

Also the amount Transferred or sold its different from the amount when I got the original Documents back in XX/XX/XXXX. I don't know why CITIMORTGAGE made me sign a different amount that the original amount when I got the original Loan Documents it was for $ XXXX  with XXXX XXXX   and Citibank Made me signed with them $ XXXX  as you see the amount differs.

( It could be because my native speaking language is XXXX and I didn't realized what I was signing back in XX/XX/XXXX, It could be I was taking advantage because I don't fully or understand English ) .I found the original documents I found this information related it to. This complaint inquire is related with the other 2, I filled against the Alleged Servicer XXXX/XXXX XXXX   XXXX  and XXXX.

So when I sent it CitiMortgage a QWR they couldn't validate the correct amount of the debt in this Mortgage account.

I'm attaching the proper documentation because I believe I paid from XX/XX/XXXX  up to XX/XX/XXXX more money for an amount it differs from the ORIGINAL DEED.

I would like the CFPB regulators look into this matter because to me its no right This its UNJUST ENRICHMENT as the other alleged servicer said they cant not provide information where my money its going, they just said the Investor is XXXX XXXX
Product: Checking or savings account

It was an inheritance account of around XXXX XXXX fees were extremely high and I would like a further look to see if I was charged justly. There was little to no action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account number : XXXX Date Opened : XX/XX/XXXX XXXX has been reporting misleading, inaccurate, inconsistent and unverifiable information on my TransUnion credit report. This is a joint account and they are reporting different inaccurate, inconsistent and unverifiable information on the co-owners TransUnion credit report as well. Both of us have disputed this information many times over the last several years. We are entitled to a 100 percent accurate credit report. TransUnion continues to report inaccurate information without verifying any of the inaccuracies and incorrect information, and not reporting an accurate payment history, as well as providing all the documentation. There are several pieces of information that XXXX is reporting are different and misleading, inaccurate, inconsistent and unverifiable on all of our different credit reports. The balance is different and/or missing, the payment history are different and/or missing, and dates are different and/or missing. There are over 20 items that do not match. There are numerous errors as well as missing information which violate FCRA laws. XXXX as well as TransUnion seem incapable of or unwilling to resolve our disputes. They have also added to our credit reports a payment in the amount of {$5500.00} in XXXX of XXXX, in which neither of us made. This only is a violation of Federal laws. XXXX is using abusive, deceptive and unfair debt collection practices. I have contacted XXXX and asked them for all documentation on this account. They did provide a statement which shows that this account has a {$0.00} balance on XXXX of XXXX. However, they have failed to produce all documents so this account could probably be verified and 100 percent accurate. We feel that TransUnion willfully and wantonly reports this account to keep our credit damaged so that we can not obtain credit, pay higher interest rates, cause mental anguish, loss of credit, higher insurance rates, etc. This is malicious prosecution. This account has caused us both mental anguish and emotional distress. Per FCRA, reporting must be 100 percent accurate or the account must be deleted from ANY and ALL credit reporting agencies, not just XXXX, XXXX and TransUnion. Therefore, I am demanding that ALL reporting on this account cease and desist and be IMMEDIATELY deleted from credit reporting agencies ( not just the major three ) permanently. 
I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Product: Credit reporting or other personal consumer reports

This is not a duplicate account. I have been disputing this account for months and it is still reporting inaccurate information on my credit report. Please remove this account from all credit reporting agencies.
Product: Mortgage

My mortgage got sold to Greentree. About 18 months ago I had a loan modification ( even tho I was not late ). They presented an amount of payment ( {$540.00} ). I pay $ 827 monthly ( proven by my bank statements ). They 've since sent monthly statements with varying amounts due. When asked why these amounts are different than the signed modification, I get no answer. Now they are saying I 'm late and have started forreclosure proceedings. I 've proven to credit bureaus and to Greentree my payments but they do not care. I see lots of civil suits and complaints on this company. I 've had nothing but nightmares with them. They also refused my personal insurance when I recently changed insurance companies, until they finally accepted the insurance, but not without trying to tack on their exorbitant rates.
Product: Vehicle loan or lease

united auto credit has fraudulently over charged fees on a vehicle that is not valued no more than {$2000.00}. The account is closed and has an outstanding balance for over {$15000.00} reported still owed. I contacted the company on XX/XX/22 to request for a 1099 c form and was denied and was told that account must be brought to current status before releasing 1099c form to me. the agent then stated the vehicle was sold for XXXX and they received XXXX proceeds from sale. the agent then stated that the vehicle is not even close to be worth XXXX that is on my credit report. i asked the lender again for the 1099 c form to see what the value/cost of the vehicle they reported to the irs. was denied again. this company is using abusive tatics to charge outlandish fees for a lemon.
Product: Debt collection

First Financial Asset Management has never once contacted me about my debt but had no issues contacting my father via Email. My Father 's email has his full name which is not mine. I am not a minor and I am long from being one. 

In this email the reason the company identified themselves as a debt collector. Revealed that not only did I owe debt, but also the companies I owed too. They included information to access my case with them. And after further research into what they provided my father could very easily with no effort simply log into my case with them and see the exact amount owed. 

The email has automatically subscribed him to regular emails as well. So he will be receiving these in the future. 

I know my rights as a debtor.
Product: Payday loan, title loan, or personal loan

After Hurricane Sally, I received several texts and instant messages on the USAA app regarding the bank offering assistance to its members impacted by Hurricane Sally.  For background, my house and neighborhood took a direct hit from the Hurricane ; I had spent over {$3000.00} out of pocket in additional clean-up expenses leading up to my request with USAA. Also, I have been a member of USAA for 27 years. When I contacted the bank about taking advantage of such assistance, the very assistance they solicited me to take advantage of, and even limited my reasonable request to only a two-week payment extension for my consumer loan, I was told that USAA was not offering any assistance. After I pointed out that I was contacted by the bank ; that they advertised the assistance ; they then came back and said that my zip code was not in the disaster area. After I responded that not only was my zip code in the disaster zone but I also had letters from FEMA and SBA as proof that I was officially declared within the disaster zone, they came back and said that USAA was not currently offering any assistance for Hurricane Sally victims. They sent me the attached letter.
Product: Debt collection

On or about XXXX, 2015 Jefferson System Capital and XXXX are both collecting for the dame debt. I do not owe what they are claiming and I have requested information on numerous occasions and have never been provided with supporting information for the debt.
Product: Mortgage

Taxes were not paid to township since XX/XX/XXXX Received notice from township that house would be auctioned if not paid in full including late fees totaling {$5300.00}. We paid the taxes out of our savings account. 
Filed a complaint with the department supervisor explaining that they owe us the late fees because they were at fault. Issue was not resolved. 
Escrow account is still wrong. 
We decided to refinance our mortgage and just pay the taxes our serves since they can not pay them correctly. 
Refinance process began with Flagstar XX/XX/XXXX. 
After multiple phone calls to the mortgage company, we have yet to close our mortgage. 
At first, they explained that their system was down for 3 weeks.

Then the Loan Servicer explained that her company computer had a virus and she was working on it. 
All of our refi documents expired including our Rate lock and they had us resend everything. We still yet to close our refinance.
Product: Credit card or prepaid card

I purchased football tickets for {$980.00} using my Macy 's Amex from XXXX XXXX on XX/XX/XXXX. The event was on XX/XX/XXXX. One week before the game I had still not received the tickets, so I called XXXX  to have them issued. I sat on hold for over two hours and was informed I had to wait until at least three days prior to the event, but that I should have them in the next 6 hours. Fast forward to two days prior to the event - still no tickets. Once again I got back on the phone, sat for another two hours, and was told I would be receiving them via email within the next four hours. Twenty-four hours, later and one day before the event, I still had not received any tickets. I had family coming into town to attend the event with me and it was imperative I receive the tickets before the game. Friday morning, the day before the game, I sit on hold again and once again was told I would be receiving them within a few hours. Nothing ever came through. I called Macy 's Amex to report the fraud and informed them I never received the tickets, the game was less than 24 hours away, and I will be purchasing tickets from another vendor -please dispute this charge. I made the purchase of the new tickets on the same card immediately after that phone call. They ensured me they would take care of it as I had never received what I paid for. My account was credited {$980.00}, until XX/XX/XXXX, when the charge reappeared on my credit card statement. I called to dispute it again and they assured me it would be credited. I have multiple emails, multiple faxes, and phone calls to Macy 's Amex to get this {$980.00} fraudulent charge removed from my credit card to no avail. Today is XX/XX/XXXX and the charge has still not been removed. Their reason- the ticket was non-refundable and the circumstances surrounding the charge offer no recourse to recover funds. Ultimately, they reversed the fraudulent charge the first time and allowed XXXX XXXX to recharge the card in XXXX. This is illegal and needs to be fixed immediately. I have been a customer for over fifteen years and have never disputed a charge. It was reported before the event happened, and XXXX XXXX should be held accountable for their fraudulent activities, along with Macy 's Amex for allowing the fraud. I hesitated to submit this as I am sure it will cause retaliation with a credit limit cut or closed card, but I refuse to be bullied into paying for something I did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including my correct, address. 

Inquiries : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, OH XXXX