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

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this XXXX  XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX, this statement is being generated on my behalf. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account. The following inquiries were not authorized by me and I request removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Tx XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : Credit Reporting Agency Subject : Formal Request for Deletion of Unverifiable Debt Compliance with FCRA Dear Sir/Madam, I am writing to formally request the immediate deletion of an unverifiable XXXX  XXXX XXXX Charge Off account that was previously reported on my credit report on Transunion. I recently disputed this account with XXXX, and after their investigation, the account was deleted from my credit report as of XX/XX/year>. Because XXXX has completely deleted this account, this serves as proof that the account is unverifiable and must be removed from my credit report with your agency as well. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ), credit reporting agencies are required to delete any information that can not be verified or is found to be inaccurate. Since XXXX has removed the account after their investigation, it is now considered unverifiable and must be removed from all other credit reports immediately. 
Additionally, under FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ), data furnishers must not report information that has been disputed and found to be inaccurate or unverifiable. If this account remains on my report, despite being removed by another major credit bureau, it constitutes a violation of my consumer rights.

I am formally requesting that your agency delete this account from my credit report within 30 days or less, as required by FCRA 611 ( a ) ( 1 ) ( A ). Failure to comply with this request may result in legal action, as I have the right to pursue damages under FCRA 616 & 617 ( 15 U.S.C. 1681n, 1681o ) for willful or negligent noncompliance.

Please provide written confirmation of the deletion or an updated copy of my credit report once the account has been removed. If you choose not to delete this unverifiable account, please provide me with a detailed explanation of your decision, including the method used to verify the account, within the required timeframe. 
I appreciate your prompt attention to this matter and expect a resolution within the legally mandated timeframe.
Product: Mortgage

I have requested to great extent that Wells Fargo who is the servicer on this loan, allow me a work out plan that will be beneficial for all. I am only late four months with this mortgage. After 30 days of my request for a loan modification I received a letter from Well Fargo to say that my application was unsuccessful due to my income. However, at the same time of my request for a loan modification I was also in the process of selling my home at XXXX XXXX XXXX which, its mortgage was consider an expense in my household expenses. 
Just to familiarize you with my hardship, it all occurred during and after the market crashed. The rising cost related to subject property, tenants defaulting on the rent and must painful and horrific the loss of XXXX   XXXX. I am an XXXX. 
Not only did I lose my income, but I also lost my health.. All I could think about it was the devastation that this economy introduce to me. 
Unfortunally, after all the struggling in 2010, I was admitted to XXXX XXXX  in CT. under XXXX care due to circumstances beyond my control. This was a long unexpected journey. I was there for 3 years.. 
I have enclosed medical records to Wells Fargo. Have updated all kinds of documents concerning my financials to no success. 
All I am asking is for Wells Fargo to give me the chance of giving me a lower Trial payment. This is what I can do for the moment. {$5.00}, XXXX. 

Please I want to keep my home. 
I am now competent to make financial decisions and handle my financial affairs. I am determined to maintain my financial current I am also confident that I'm able to afford payment based on my wife 's and my present income. 
Please I need to lower my rate, and extent my terms of the loan and adjust my principal. Refinancing is not an option at the moment. The subject is under water. ( See appraisal ). 
Kindly confirm receipt of this request and advice as to the next step.
Product: Credit reporting or other personal consumer reports

The Credit Agency concluded that my account was properly investigated but how is that possible when the open date, date last active, date of last payment, high credit, past due are inaccurate.? This is grounds for removal. They also violated my rights under 15 US C 1681 section 602 A. States I have the right to privacy : 15 US C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I requested cancellation of PMI on our mortgage as the loan to value amount is less than 80 % that is required to continue paying for the PMI. Our assessed value of the property is {$380000.00} and our current mortgage balance is {$280000.00} and LTV I computed is XXXX which is way below the automatic termination of PMI when the LTV is 78 %. I sent an initial request with an appraisal of the property value of {$350000.00} and they won't believe the appraisal that I submitted. Based on that appraisal the LTV is XXXX which is below the 80 % requirement. I submitted the notice of value from the assessors office with my second submission but still received a letter that the loan does not meet the requirements to cancel the PMI. I don't know now what do they believe on the actual valuate of the property. The valuation I submitted to them is from XXXX County Assessor 's office and they are the basis for paying our property tax so it must be accurate. The fair market value is even higher if we do an actual appraisal at this time as we made improvement on the property which was reflected on the valuation from the assessor 's office. 

The address for the Lender is as follows : Attention : PMI Department XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit card or prepaid card

Dear Chase Customer Service, I am writing to express my dissatisfaction with the service I have received from Chase Bank. I have been a customer for one year and four months and have maintained a checking and savings account with your bank during this time.

Recently, I applied for a new credit card with Chase Bank. However, I have been repeatedly told that I do not hold an account long enough to be eligible for the credit card. This has made me feel extremely uncomfortable and has left me wondering if Chase Bank values its customers.

I am disappointed that after being a loyal customer for over a year, I am being denied access to a credit card that would provide me with financial benefits. This not only undermines my trust in Chase Bank but also hinders my ability to manage my finances effectively.

I would like to request that you review your policies and processes for credit card eligibility and make them more transparent and fair. I also request that you provide me with a valid explanation for why I am being denied a credit card despite being a customer for over a year. I hope that this issue can be resolved promptly and that you will take necessa
ry steps to improve the level of service you provide to your customers. 

Sincerely, XXXX
Product: Credit card or prepaid card

Comenity Bank/XXXX XXXX XXXX -My problem is I was charged late fee on XX/XX/XXXX.
-I submitted my online payment on XX/XX/XXXXbefore XXXX ( est ), but was not able to select XX/XX/XXXXas my payment date so I selectedXX/XX/XXXXand figure I work it out with customer service. Called customer service at XXXX ( est ) onXX/XX/XXXX XXXX XXXX XXXX  had no confirmation nor could they acknowledge I even made a payment. I waited to see it payment would debit my account and it never did. I made another online payment but this time it was for XXXX. - I emailed and filed dispute. XXXX XXXX XXXX closed dispute since I could n't produce evidence that a payment was made ( evidence from my bank ) I submitted an online payment BEFORE XXXX on XX/XX/XXXX. I was not allowed to pay on XX/XX/XXXX and was forced to make payment on XX/XX/XXXX. Payment was never made due to some technical issue on XXXX XXXX XXXX side. I made my payment on-line and on time. I would like XXXX XXXX XXXX to reimburse my late fee of XXXX I have the email confirmation fromm XXXX XXXX XXXX.
Product: Debt collection

On XX/XX/2019 the company wrote that the debt would be settled in full if we paid {$11000.00} by XX/XX/2019. They received the funds on XX/XX/2019. On XX/XX/2019 the wrote acknowledging the payment and demanding the original balance. The settlement offer clearly states hat the {$11000.00} would clear the debt and that we would be receiving a letter to that effect. I have called them twice and been told that the letter had been mailed. They are obviously lying. 

The company Id : Stoneleigh Recovery Associates XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the electronic funds transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my right are upheld. Thank you
Product: Mortgage

I applied for a loan mod in XX/XX/XXXX2020 and was approved. I made all 4 trial paymbts and my title showed a child support judgemnt that has already been paud in full. I provided Lakeview proof of it being paid in full on XX/XX/XXXX and as of this day they have not cleared the title issue. My credit is being hit hard every month and up to this date I have made 8 trial payments. I have never missed a single payment. I have also sent proof that according to family law the judgemnts remains only until paid. I don't want to lose my home. Title should have already omitted this line to complete my mod. I have escalated many times and not getting anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX reported to Experian late payment of {$50.00} dollars which is incorrect. Experian reported these business open but account closed by creditors in good standing XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I would like my Credit score restore to the much higher score as before. Thanks
Product: Student loan

I am currently enrolled in an accredited XXXX 's in XXXX XXXX program as of XX/XX/XXXX. I completed a request for student loan deferment with my lender, Discover Student Loans, in XX/XX/XXXX and again in XX/XX/XXXX. I was denied both times without receiving any official notification. After calling 3 times, I was told that, although my institution is showing as accredited according to the US DOE database and the proper enrollment verification form was submitted, Discover would not approve in-school deferment because the institution is not Title IV eligible. However, this was not listed a requirement in the promissory note, or anywhere on the Discover website. Additionally, Title IV eligibility relates to financial aid, which is not relevant to this request, as I am not looking to take out an additional loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to CFPB Ref No : XXXX, XXXX XXXX sent a request to delete the hard inquiry, dated XX/XX/2020 in which CRAs must take less than 60 days since XX/XX/2020 to update my records. At the moment of filling the claim, XX/XX/2020, Equifax still reports falsify information about this hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

RECEIVED A ALERT THAT MY CREDIT WAS BEING APPLY FOR FROM XXXX THAT WAS AUTHORIZED BY MYSELF.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or before XX/XX/2019 this company purchased an old Business   Debt/Loan from XXXX XXXX that our XXXX had acquired. Now they are harassing for payment and has decided to place it on my personal credit report. 

Also, on XX/XX/2019 I notice there's a credit report inquiry from this company. I didn't grant permission to this company to pull a credit report. This is illegal. I also have just recently seen that I have a new derogatory mark on my XXXX  and XXXX  credit reports. 

Account Number - XXXX
Product: Student loan

In XX/XX/XXXX, I reached out to my loan servicer Texas Guarantee Loan or the Trellis Company about payments that were being garnished and were being applied only to the interested and collections fee. Their response was that they were following federal regulations for student loans. However, they advised that in response to the expansion to covid-19 relief act on the Department of Educations guidance, they were in the process of halting garnishments and were working to 'refund the garnishment payment dating back to XX/XX/XXXX. ' As of that contact, I failed to hear from them about this. As of the last week of XX/XX/XXXX, I have consolidated all my loans with another servicer because of how difficult they are to work with, but when I reached out to Trellis in regards to the 'refund of garnished payments ' they stated that my loans were now closed and did not even make an effort to answer my question. My complaint is regarding this refund. I would like to find out if the refund of those payments were completed and or if those payments were applied to the principal balance at all. I was being garnished approx. {$200.00} a paycheck and for a whole year that would be approximately {$2400.00}, or maybe more. I know that may not be a large amount, but I still want to know that they were applied correctly. I do have emails in regards to this conversation and can forward those upon request. I have also submitted this complaint to the US Department of Education and Federal Student Aid.
Product: Credit reporting or other personal consumer reports

My local XXXX bank is XXXX minutes away from my house so taking the check monthly takes time. So the local bank told me to use the mobile app to pay it online for convenience. So the following month on XX/XX/2023 I did just that. On XX/XX/2023 I woke up on a Saturday morning to a credit report notification saying my payment was 30 days late. I immediately called the bank and found out the payment was never drafted by their system. I offered to pay it over the phone and the rep took all my information along with ACH information and then processed the payment. I was then told the payment system was down and they payment did not go through. I was told I could call back on Tuesday as Monday was a banking holiday. The next week I went back to the local payment and made a double payment to cover the previous month and the current month. I've contacted XXXX several times about fixing the credit report and they refuse to accept any responsibilities for the mobile app working incorrectly. They also refuse to acknowledge there system was down when I called in. So I tried to move past the faults and ask for a good faith fix to my credit report and pointed out that I have never had a late payment in my XXXX years of using credit. They still refuse to work with me to resolve my credit report issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY AND PHOTO ID TO APPLY FOR THESE FRAUDULENT ACCOUNTS AND FILL OUT APPLICATIONS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
1. 
XXXX XXXX XXXX XXXX Account Number : XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. medicalseollectionsintetetphone pitession to my credit file. 
Thank You, XXXX XXXX
Product: Debt collection

On XX/XX/2018 a repossession agent sent by XXXX XXXX XXXX on behalf of American Credit Acceptance ( the lender for my motorcycle loan ) approached my home wearing a badge and stated he was there with the sheriffs department and to call the sheriff to get my motorcycle back. I do have photos and videos of him wearing the badge and witnesses to the conversation and misrepresentation as a local government official. I did call the police and the sheriffs dept who were unaware of this man and his business or why he was representing the sheriff during a repossession. The company also claims I owe just {$780.00} for the towing fee which is above the max allowed and even my lender said they normally only see amounts from $ 200- {$300.00} and were unsure why my bill for towing is so high. I have attached a couple photos but have plenty more and a video if needed
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$2400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the late payments showing on my account for IC SYSTEM which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of multiple bankruptcy records on my Experian credit report. The case numbers in question are XXXX, XXXX, and XXXX. After disputing this information directly with Experian, I received verification responses that are inconsistent with the information provided by other credit reporting agencies. 

On XX/XX/year>, XXXX completed an investigation and confirmed that these bankruptcy records could not be located or verified. XXXX stated that no records corresponding to these case numbers exist in their system. Additionally, on XX/XX/year>, XXXX removed these same bankruptcies from my credit report after completing their investigation and finding the records unverifiable. 

Despite this, Experian continues to report these bankruptcies, which violates my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, information in my credit report must be accurate and verifiable. I have also requested detailed documentation from Experian regarding their method of verifying these bankruptcies, but they have failed to provide sufficient information. 

I request that the CFPB intervene to ensure that Experian complies with the FCRA by conducting a proper reinvestigation and removing the unverifiable bankruptcies from my credit file. I have attached all necessary supporting documentation for your review.
Product: Debt collection

There has been no consent for this collection agency to furnish derogatory information on my consumer report. They had no right To buy and use my consumer report information from another debt collector and they have not validated the alleged debt with the original document showing the original creditors contract. 


Below are Federal Codes in which have been violated 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.