23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Request for Reinvestigation XXXX, Number : XXXX Dear CFPB, I am writing to formally request a reinvestigation regarding XXXX late payment records associated with my account number XXXX for the months of XXXX and XX/XX/XXXX. Under the CARES Act, all accounts must be reported as " paid as agreed '' from XX/XX/XXXX through XX/XX/XXXX. I kindly ask that you ensure this account is updated to reflect my payment history accurately or that you delete the erroneous late payment records. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX
Product: Bank account or service

I depostited {$250.00} to a passbook savings account with TD Savings bank on XX/XX/2010 in the name of XXXX w/ XXXX and XXXX XXXX the day XXXX was born. I went to the bank last year to withdraw it. They said they did n't have it and they stated that they sent it to the State of Connecticut. I called the State of CT and the STATE said they do n't have it and asked the bank to supply the " line item info '' if it was in fact sent to them. I have been to the bank 2 times since. The bank manager takes copies of the passbook and states they will get back to me but they never do. It has been a year. Can you please help. I want my grandsons {$250.00} with interest
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very displeased and disappointed that my information has been in a few breaches which have allowed fraudulent accounts to populate on my consumer report. I was trying to buy a home and I discovered all these accounts. This is jeopardizing and violating my privacy and my consumer rights. Per 15 USC 1681 law, you all are in violation of this statute. I take my livelihood seriously and I am trying to better myself and my family 's life. This is not fair and I am demanding that credit reporting agencies to remove all fraudulent accounts immediately.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response XXXX XXXX XXXX XXXX XXXX XXXX  XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Mortgage

While recently checking my credit report it is showing that I was late with my mortgage payments in the years XX/XX/XXXX and XX/XX/XXXX. I am disputing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. This is caused by identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I earnestly implore you to take immediate and decisive action to remove the fraudulent accounts from my credit report.
Product: Credit reporting or other personal consumer reports

upon reviewing my credit report, I discovered the following unauthorized inquires listed on my credit report. I did not apply for credit or authorize these companies to check my credit report. These inquiries were made without my consent, in violation of the Fair Credit Reporting Act. I am requesting immediate removal of these fraudulent inquiries from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax  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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 Equifax 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 Equifax 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am writing to file a complaint against Chrysler Capital for wrongfully indicating a derogatory reporting on my credit score in 2019. I held a lease with chrsyler capital which was ending in XXXX of 2019. I traded the vehicle and purchased a used vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX We closed the deal and I turned over my trade in on XX/XX/2019. The dealership was to pay the pay off on the lease vehicle for an amount of {$26000.00} within 10 days which they failed to do. After follow up, they issued a payment but it was an incorrect amount. Chrysler Capital would not deal with me and allow me to pay the balance in order to avoid a late payment and negative impact to my credit score. They would only accept the payment from the dealership. Again the dealership was late providing the payoff check to Chrysler Capital. After many dealings with the dealership and Chrysler Capital over a period of two months, my trade in was paid off. However Chrysler Capital indicated that I was 60 days late on my payment. I was able to have them reduce to a 30 day late, however after attempting to eliminate any derogatory indicator, they would not work with me and would only refer me to the credit bureaus. I feel this should not have been viewed as the fault of myself the consumer, and this negative report on my credit has caused me to pay higher interest rates and significantly reduced my availability to receive credit, loans, mortgage etc. I request the assistance of the CFPB to advocate for me in this matter with Chrysler Capital. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I see a lot of incorrect personal information on my credit report which is causing you to mix my information with someone else. Please correct all this incorrect information.
Product: Mortgage

Over the years since XX/XX/XXXX, I have been trying to resolve the issue of getting behind in payments through loss of income by various methods. My request for loan modification in the earlier years were never approved. Today, Bank of America has  filed a Notice of Default against the HELOC, recorded XX/XX/XXXX. Today I mailed a QWR to XXXX XXXX XXXX XXXX XXXX again. I had sent several QWRs over the years and never received an adequate response. I also have mailed two Rescission Letters and appropriate measures were not taken according to the law regarding the rescission process, therefore the Deeds of Trust and Notes are void.

I have attached the correspondence.

Also, the CA statute of limitations ( CCP 336a ) has passed for any attempts to collect on a note or deed of trust and the alleged servicers continue to attempt to collect an alleged debt, also violating the FDCPA as the alleged debts were never legitimately validated.
Product: Credit reporting or other personal consumer reports

I currently have unauthorized incurries appearing on my credit reports I have attached support and documentation.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I DO NOT agree with the answer given by the bank of america about my complaint of the case # complaint  XXXX  about Bank of America.   This bank makes its rules at its convenience and the final consumer has no protection and that is wrong, there should be an equity between both parties, when one applies to a credit card from this bank, usually the small print is not read, It is also in the opening of current accounts.   The Bank of America overdrawn at {$880000.00} each account seems to me to be something tremendously bad, this bank acts overriding the rights of financial administration, so I hereby ask you to review the case and to return my rewards won for 10 years and pay m e Interest, expenses and indemnification. And an investigation on my complaint.    I also want to thank you for the offer of a lawyer in the case of Bank of America.   Bests Regards,  XXXX   XXXX   XXXX
Product: Credit card or prepaid card

On XXXX XX/XX/2019 I was overcharged by a taxi for a fare of approximately 50 SGD that processed as {$390.00}. I was not provided with a receipt and I was unaware of the overcharge when the transaction was conducted. After reviewing my credit card statement, I filed a dispute for the transaction. However, the investigation concluded that no billing error occurred. I subsequently requested that the investigation be reopened and for more documentation detailing the results of the investigation, but I received no response.
Product: Debt collection

XXXX XX/XX/XXXX I received a XXXX letter from XXXX regarding a charged off jcpenny account that I could no longer pay due to hardship in XXXX for the amount of XXXX which more likely includes collection fees. At the time I explained that I could not pay due to dealing w the XXXX of a parent and am currently dealing w my fathers illness that is ongoing. When I offered to settle the account for 20 % I was told that want acceptable and the harassment through calls and now letters continue. I am also dealing with the side effects of major surgery. XXXX had not sent me any additional letter until today as we have issues w the mail. And I have not gotten a bill from XXXX since XXXX
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation that has been imposed on my PayPal account, associated with the email address XXXX. I firmly believe that this limitation has been placed in error. 

I want to stress that I have always been a responsible and compliant PayPal user. I have taken utmost care to ensure that all my transactions and activities align with PayPal 's policies and guidelines. To the best of my knowledge, I have not committed any violations that would warrant such a severe action against my account. 

Considering the above, I kindly request PayPal to conduct a thorough review of my account 's limitation. I believe that a re-investigation of my case will shed light on the misunderstanding or misinterpretation that may have led to this situation. If indeed an error has occurred, I respectfully request the reinstatement of my PayPal account privileges. 

I understand the importance of maintaining a secure and trustworthy platform, and I am fully committed to cooperating with any verification processes that PayPal deems necessary. I value the convenience and security that PayPal provides, and I am eager to continue using your services once this issue is resolved. 

In conclusion, I sincerely urge PayPal to re-evaluate my case and consider lifting the permanent limitation on my account. I am confident that a closer examination will reveal my commitment to complying with all policies and guidelines. I appreciate your time and attention to this matter. 

Thank you for your prompt consideration. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My mother pass away and left pods at Candence bank for her heirs, they said no money can be released until all pods sign, and there are two who refuse to sign, they will not release my inheritance until all sign, i ask them what happens if one does not sign they said no money will be released, i ask them is there then a time limit for them to sign they said no and no one can collect until all sign, so if one person doe snot sign i will never get mine inheritance, that is messed up, why should what my mother left me be held up because of someone else, I seriously GOT A BIG PROBLEM WITH THIS, this violates my rights as a heir
Product: Debt collection

National Enterprise Systems have been harassing me everyday for months now. Im not even sure why they are calling, but they people are always so rude and call me every day at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I was affected by a natural disaster and was receiving XXXX benefits I was living in a motel and not able to make any credit card payments after XX/XX/2018 this account has been paid satisfied and in return they agreed that they would remove the late payments ... I did my part but they have not done theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this CFPB complaint to report that my credit has been unlawfully used and that unfair practices are being conducted by XXXX, XXXX, and Equifax. Not only have they added items to my credit without my written consent, but they also do not have the correct addresses on file. Specifically, I have noticed the following erroneous accounts on my credit report : Account # XXXX Balance = {$2100.00} Account # XXXX Balance = {$2000.00} Account # XXXX Balance = {$1000.00} Account # XXXX Balance = {$340.00} Account # XXXX Balance = {$1100.00} I urge an immediate investigation into these matters to safeguard consumers rights and ensure fair credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent letters on XX/XX/2020, to XXXX and Experian disputing the inaccurate and incomplete items that they are reporting on my credit.I haven't receive anything from them as of yet and I have attached copies of the letters below.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concers regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issue with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institutions and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams this is a lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I refuse to accept your dismissal of my identity theft claim as an error or misrepresentation of material fact. Who granted you the authority to decide what qualifies as a material fact? You hold no position as a judge, jury, or any authority to make such determinations. Your actions are unwarranted and without merit. 

The Federal Trade Commission ( FTC ) clearly outlines that upon receiving an FTC identity theft report filed with a law enforcement agency, you are obligated to adhere to the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I sold property on XX/XX/XXXX, Escrow closed Aimloan in full, meanwhile aimloan paid an insurance premium for next year ( XXXX ) in the amount of {$900.00} on XX/XX/XXXX. I had informed them that not to pay as I was selling property, So Insurance company ( XXXX XXXX ) returned the check back to Aimloan, because the account was closed. I have been contacting Aimloan insurance dept every week and there were no solid answers or action from them, I haven't received {$900.00} yet from them after 3 months. In my last conversation with representative, I was told that insurance dept mailed a check on XX/XX/XXXX, but it's almost 3 weeks now and I haven't received it, so I don't believe that it's really mailed. If you can help me to get my {$900.00} back would be really appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I presume that no proof of the allege debt, nor therefore any such debt, in fact therefore exists In accordance with the fair credit Reporting act account is XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

15 USC 1605B : Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges unless ( 1 ) the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying for or obtaining the extension of credit ; and ( 2 ) in order to obtain the insurance in connection with the extension of credit, the person to whom the credit is extended must give specific affirmative written indication of his desire to do so after written disclosure to him of the cost thereof.
Product: Checking or savings account

The checking account was closed manually on XX/XX/XXXX because I live in PA and the bank is located in NY. I subsequently made an in-person visit to the bank on XX/XX/XXXX and instead of ensuring that there would be no other activities on the account they failed to act until the following day. Now I am being charged 7 overdraft charges. They paid some charges which I had stopped since I got verification from the payees that those payments were received I have no objection paying those.
Product: Vehicle loan or lease

Good morning to whom it may concern, I am writing as I have tried several times to receive an auto loan from Navy Federal Credit Union in order to purchase a new vehicle. I have been repeatedly denied credit and the main reason is because " I caused the bank a financial loss, '' by settling credit accounts that were charged off in order to purchase my first home in XXXX. I am confused as this is a federally insured bank that receives billions of dollars in annual revenue, but tell me they I will be denied credit because I caused them a financial loss. We live in times were it is harder to receive loans due to selfish lending practices from banking institutions. I feel as if this is in violation of the fair credit reporting act, and a form of discrimination. Because of this, I am afraid to attempt to request auto or personal loans from Navy Federal as I feel they are being discriminatory towards me as a consumer due to me settling those old accounts. 

Thank you for you time and consideration into this matter. 
Have a great day.
Product: Credit reporting

Last ReportedXX/XX/XXXX XXXX XX/XX/XXXXCollection AgencyXXXX XXXXOriginal CreditorXXXX XXXX NEVADA XXXX XXXXStatusOpenOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXClosed Date -- ResponsibilityIndividualBalance $ XXXXHigh Balance $ XXXXRemarksPlaced for collectionXXXX has sent me correspondence offering me to pay XXXX but i wont becausethe highest credit line i had with them was XXXX and my last bill was not that muchalso wasted my time i wanted higher limit and after 6 months would not do soi had to pay to enroll credit card and pay yearly feesi would offer to pay in installments past due amount before all these crazy fees minus enrollment fees and yearly fees due to not honoring the credit limit increase waste of time in trying to build credit
Product: Mortgage

XXXX XXXX XXXX underwriting has canceled my request for a loan modification. Stating I did not send a requested document. They are asking for a recent benefits letter from the VA for my XXXX-year-old mother with XXXX whom I care for. She has not been approved for Aid and Attendance " yet '', and we are still waiting for VA 's approvals. I can not give XXXX something I do not have. This is future income and benefits, and I have stated such. A letter from XXXX on XXXX XXXX, 2017 states : " Your application remains incomplete and have canceled your request for an evaluation of your loss mitigation application. '' Next, I have waited for years for XXXX to modify my loan and they have denied my request. At the last minute as my home goes into foreclosure XXXX said, they will send me a packet for loss mitigation. As my amount due goes into overdrive to where it is impossible to pay as they make MORE money on my hardship. 

I need help!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX