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

To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD and Regulators of XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Senior Vice President & Leader of XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX. 
Business Loan Number XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Suitable Afternoon Regulators of XXXX XXXX XXXX/Consumer Financial Protection Bureau XXXX 

The letter will entail the reasons why the late payment on the credit profile of XXXX XXXX is invalid and violates the Mortgage Loan agreement and The Federal Credit Reporting Act ( FCRA ). 
Creditworthiness and Credit profiles allow Americans to remain sustainable during a crisisresilience is a score that determines the outcome of a financial profile. 
XXXX XXXX XXXX adheres to Consumer Credit Laws and the Federal Credit Reporting Act ( FCRA ). 

I received a late payment which compromised his stellar performance and increased his overall resilience score. On XX/XX/XXXX, XXXX XXXX granted a line of credit regarding the Mortgage loan XXXX. My stellar payment history with XXXX XXXX XXXX. Per the terms of the loan agreement, payments on the loan would continue if the loan wasnt satisfied pay the maturity date of XX/XX/XXXX. 
The Representative gave the option to continue with payments or satisfy the loan ; n continue with scheduled payments. 
XXXX XXXX XXXX representative later contacted me and charged a late fee. 

There is a questionable reaction from the oblige when there are no revenue changes or gaps in the payment sequences. The Representative collected the remaining balance, which satisfied the agreement before the maturity loan date of XX/XX/XXXX ( Please see attachment ). 
Why did the XXXX XXXX XXXX react adversely to oblige credit reporting, Creditworthiness, and banking profiles? 
Operational Risk and The Federal Credit Reporting Act ( FCRA ) are two risks. 
Once concluded, a review of communication gaps and all late payment removal on all significant credit and banking scoring profiles. The loan agreement complied with terms and is a long-standing member of XXXX XXXX  XXXX with a stellar payment history and never posed a risk to the institution or its operations?
Product: Credit card or prepaid card

In XX/XX/XXXX Chase Card Services allowed an individual to open not just one, but two credit accounts in my name with this person as an authorized use without my knowledge or consent. I feel this is criminally negligent action by Chase Card Services. My credit score at the time these accounts were opened was so bad that I was turned down for a simple XXXX XXXX XXXX  XXXX  XXXX! These accounts were apparently both with {$5000.00} credit limits with were exceeded by this individual. I found out about these accounts when I applied for a home loan in XXXX and they showed up on a credit report. This person, later found out to be my soon to be ex-wife was secretly making minimum payments and these were set up as online accounts to a bogus email address I had no knowledge of. Chase Card Services initially agreed that I was not responsible for these fraudulent accounts, but later changed that decision as the secret payments were coming from our joint checking account. Regardless, these accounts should never have been allowed to be opened in my name, especially considering my credit score at the time. Speaking with their Fraud Department, I asked if anyone with my name, birthdate, SS #, and a bogus email account could open a credit account. Her reply was " yes ''. Criminal. My credit score is destroyed. Thank you.
Product: Debt collection

I am disputing the incorrect information listed as collections that is being reported on my XXXX report. This has been paid and closed. Nothing is due.
Product: Mortgage

Duplicate mortgage payments in the amount of {$1500.00} each were sent for the XXXX and XXXX payments, XXXX. This was due to the fact that my mortgage has been sold three times, XXXX to XXXX to Freedom Mortgage and the autopay for my XXXX XXXX  account was not cancelled for LoanCare so that Freedom got two payments for XXXX and two payments for XXXX ( attached ). I called Freedom Mort at least a dozen times explaining the situation and that the duplicate payments were in error and not to be applied to principal of the loan. I received a message that I would get a refund upon supplying my routing and account number which I did on XX/XX/XXXX ( attached ). I called again on XX/XX/XXXX and was told that I would get the refund on the following Tuesday, XXXX. I have not received it. 
I am on a fixed income and can not afford to not receive my refund. It is the height of hypocrisy that I have to make my payments on time, with no mercy for being late, but they can take their time on my refund and not comply with their promise. 
I appreciate whatever you can do to get me my refund that is due to me.
Product: Credit reporting or other personal consumer reports

Dispute of Fraudulent Closed Accounts Resulting from Identity Theft To Whom it May Concern, I am writing to formally dispute several closed accounts on my credit report that are a result of identity theft. These accounts, listed below, were opened fraudulently and have already been removed from active reporting and collections. However, they remain listed as closed accounts, which is inaccurate and negatively impacts my credit report. 

Listed Below are the Fraudulent AccountsThat are Still Being shown in the Closed Accounts section of my Credit Report : ( XXXX  XXXX ) with account number # XXXX with a balance of {$2700.00} ( XXXX XXXX XXXX  ) with account number # XXXX with a balance of {$2500.00} ( XXXX XXXX XXXX  ) with account number # XXXX with a balance of {$2500.00} XXXX XXXX XXXX ) with account number # XXXX with a balance of {$2100.00} ( XXXX XXXX XXXX XXXX  ) with account number # XXXX with a balance of {$1500.00} ( XXXX XXXX XXXX XXXXXXXX ) account number # XXXX with a balance of {$370.00} ( XXXX  XXXX ) account number # XXXX with a balance of {$310.00} ( XXXX  XXXX ) account number # XXXX with a balance of {$840.00} Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), I request that these fraudulent accounts be removed entirely from my credit report, including any reference to closed accounts.

I have provided the following documentation : A copy of my identity theft report ( attached ).

Proof of resolution confirming these accounts were fraudulent ( attached ).

Please investigate this matter and provide written confirmation that these accounts have been removed from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated 30-day period. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Delaware XXXX
Product: Debt collection

Collector keeps calling requesting action to mail document to my home I have called and asked to stop calling someone else that I do n't talk to and they wo n't stop
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : U S DEPT OF ED/XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed inaccurate accounts to Experian on XX/XX/XXXX Report # XXXX Accounts Fraudulent and Duplicate Reporting. 

XXXX / XXXX XXXX XXXX Acct # XXXX. {$610.00} Opened XX/XX/XXXX Was opened fraudulently and is also being reported multiple times with same account number and different open dates. Reported Also as : XXXX XXXX XXXX  XXXX Acct # XXXX. {$610.00} Opened XX/XX/XXXX Also Account Name XXXX  XXXX  XXXX/XXXX   XXXX   Account Number XXXX Opened XX/XX/XXXX. 
{$430.00} Account opened fraudulently and is also being reported multiple times. Reported same account buy changed last digit of account number as : Account Name XXXX  XXXX  XXXX/XXXX  XXXX  Account Number XXXX Opened XX/XX/XXXX. 
{$430.00}
Product: Checking or savings account

please make sure that I definitely want to sue the TD BANK BANK XXXX IN XXXX XXXX IN NEW YORK for flagging my account for no apparent reasoen an freezing my account too. the name of their supervisor id XXXX.
Product: Mortgage

On XX/XX/2019 I applied for a heloc loan, I have well over 100k equity in my home, I checked my credit with the three credit bureau, TransUnion, XXXX, XXXX XXXXXXXX, XXXX XXXX, I was denied credit by Trans union that said my score was XXXX. 
I believe these places are giving one number to people on line, trying to sell their service but with the bank calls they give another number. 
I'm sure this is not the first time you have had this complaint. 
the bank id is : XXXX, but it's the trans union people
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX Account Open Date : XX/XX/2021 XXXX XXXX Account Open Date : XX/XX/2021 XXXX XXXX Account Open Date : XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I I opened an account with XXXX XXXX on XX/XX/2019. 

Trying to set up online payments when their system did not send out a bill as it was marked paperless when you set up an automatic payment. 

The bill was missed as I did not get the auto drafting functioning and the paperless billing was selected. 

I called into XXXX XXXX and a note was added to my account that the bill was missed and the account was paid in full. 

I requested that XXXX XXXX remove the negative payment mark as the account not even 60 Days old when they reported the delinquent payment instead of sending either via eMail of USPS that the account was going to be reported delinquent on my credit. 

I want this removed from my credit report ASAP.
Product: Debt collection

According to Tennessee state licensure verification, Portfolio Recovery Associates is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports so that I can continue my quest of home ownership. Original request for verification was sent certified mail and received XXXX XXXX. The collection amount is {$370.00}
Product: Vehicle loan or lease

I co-signed a three-year closed-end auto lease agreement that ended on XX/XX/2020. Unbeknownst to me, at the end of the lease, the borrower and Honda Financial Services extended the lease for three months without my verbal or written consent. I wasn't notified that it was being extended nor that I was being offered credit for which I would be responsible. If I had been asked to agree to an extension of this lease I would have said no. I thought the vehicle was returned and my obligation as co-signer had ended. Under the terms of the contract, neither Honda Financial Services, the borrower, or myself, can arbitrarily change the terms of the agreement without consent of all parties on the transaction. 

During the extended period, the borrower was late making his lease payments and these late payments were reported to the credit bureau and harmed my credit. I contacted Honda and explained that I reviewed my contract and I satisfied all of the conditions of my contract and any new agreements or contracts they chose to make with the borrower should not have included myself, and minimally, I should have at least been notified. There is nothing in my signed contract or additional terms and conditions that allows for an extension of terms for which I would be obligated.

Honda has received all of their payments, the account is current, and I am not seeking any compensation. I just want them to retract the derogatory information they provided to the credit bureaus for the time period in which the lease was extended. If they choose to report derogatory information on the borrower for which they made the new financial agreement, that's fine, but I was not party to this new agreement and shouldn't be harmed by it.
I am preparing a demand for arbitration but it seems so unnecessary. If someone from Honda would review my contract they should determine the same outcome.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized credit inquiries on my credit report. These inquiries do not belong to me and were made without my consent. XXXX has already conducted an investigation and removed these inquiries from my report, confirming that they are fraudulent. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) ), consumer reporting agencies are required to ensure maximum possible accuracy in the information they report. If one bureau has removed inaccurate information, retaining it on your report constitutes a failure to meet this obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Checking or savings account

I created a new account and notified my employee to conduct direct deposit. I gave the wrong account number. When I realized of the error I called my employer and the bank institution. For 3 days XXXX XXXX XXXX XXXX XXXX the bank institution did nothing about it. On the third day after my 5-6 phone call I was told by the bank institution that I had to have my employer called. They would not allow me to make a fraud report, freeze the funds or any sort of precaution to stop the unknown person who received the funds from withdrawing them. I found out that the first 5 employees that I spoke to at the bank institution gave me wrong information and never transferred my case to the appropriate section.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I consented to a hard inquiry at XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX, NY XXXX. I left as I was told I could not get an answer that day and to wait for a reply in 3-5 business days for a reply via e-mail or telephone. I never received an offer or answer but the Credco inquiry is showing on my report. I went to the shop and there was no one there to help me. Now I am under the impression that the shop is closed as there are 2 cars on the lot and never a sales person in sight. I want this inquiry OFF my credit report as I consented to the inquiry for the purpose of hearing a finance offer. I called credco and they were not interested in helping me besides telling me I consented to the inquiry and they can not help me so it is up to the company to contact me with an offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX  {$540.00} & XXXX There are no valid claims, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Debt collection

As a reminder of what constitutes legal debt validation : Complete payment history, the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. App. XXXX  XXXX. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX, XXXX ) Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiffs debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 

Intimate knowledge of the debt by you, the collection agency. 
The company failed to provide me with the following items to validate this alleged debt and confirm that I am indeed the owner of this debt and legally able to collect on it. 

- Letter of sale or assignment from the original creditor to your company ; - Their license numbers and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided proof that the XXXX bill, XXXX bill and XXXX that is on my credit was paid in full. I provided documentation. MY XXXX XXXX was denied and therefore the debt was no loner XXXX protected and I paid all of these debts in full. Yet, Experian, XXXX and XXXX  are still reporting BAD DEBT and Derogatory. I have been fighting for correct information for over a year, and would like these debts to be investigated thoroughly and do not exceed 30 days to correct.
Product: Student loan

Despite emailing, calling & sending messages via the Mohela website I have not heard anything regarding the submission of my latest PSLF form for Employment Verification back on XX/XX/2022. I have waited for an extended amount of time on hold on several occasions, and have yet to be able to speak to a representative. My submitted employment verification should bring my qualifying payments to over XXXX payments. But I have been stuck in limbo with no insight as to when my PSLF form will complete processing and subsequently, my loans forgiven. This debt looming has taken a major physical toll and mental toll on my health. I am riddled with XXXX I am unable to even get a call back a reply is that so much to ask?
Product: Mortgage

I can not log into my Loan and pay my mortage. None of the sites work on smartphone, Laptop or desktop. I tried using XXXX XXXX and XXXX and nothing. Says error when I enter the code they texted me. When I entered it in correctly, Very frustrating Also they sent me an email saying that I was hacked from the dark web from my account.
Product: Checking or savings account

About XXXX months ago I opened a checking account up with Capital One I received my debit card and once I made my first deposit my account was closed days after locking my money with it. This was end of XXXX and it is now XX/XX/XXXX since my account has been closed and I have contacted the bank asking what happened but was told that they chose to end the banking relationship. I was told that the account would be closed and Id be mailed a close out check but I have been waiting for months now and have been forced to ask family to borrow money because I still havent received any money that I deposited. I have continued calling but was told to just continue waiting until the account has been closed. Please help CFPB here is the XXXX and phone number associated with the account if this will help ( XXXX ) XXXX XXXX ( I have another account as well that they will not close I am/was a loyal Cap1 customer )