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

Subject : Notice Of Dispute - STFARMBNK XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account STFARMBNK XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account STFARMBNK XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account STFARMBNK XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account STFARMBNK XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is continuing to report two accounts from XXXX XXXX that the collection agency has requested them to remove. I filed a complaint with the XXXX in XX/XX/XXXX and the collection agency stated they contacted all three bureaus in XX/XX/XXXX to have the accounts removed. I have called, faxed and sent a certified letter to Experian showing them proof that the accounts were disputed. XXXX and XXXX removed all the accounts within XXXX days, Experian has removed all but two of the accounts. When I called Experian in XXXX and spoke with XXXX he stated they had not received anything from me or any collection agencies since XXXX and he refused to assist me further with getting the additional collection accounts removed. These remaining accounts being reported by Experian are affecting my ability to obtain a mortgage and have caused me damages. I have attached a copy of the original complaint and the resolution from XXXX as well as the documentation I have sent to Experian SEVERAL times requesting that the accounts be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft and had someone fraudulently apply for several credit cards using my personal information. I was able to deal with the creditors to fix this, as well as two of the three credit bureaus to remove the hard inquiries. TransUnion still has two fraudulent hard inquiries on my account, and is being very difficult about removing them. I have called them three separate times ( most recently spoke to " XXXX '' ), and all three times they claim they're waiting to hear back from the banks XXXX XXXX XXXX XXXX and XXXX XXXX ). I spoke to both banks several times, and both said they sent notice to all credit bureaus indicating that the inquiries were fraud. Only TransUnion has not removed them.

Here are the two fraudulent hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is not my account. It is the credit bureaus responsibility to make sure theyre reporting accurate information and going through the proper protocols before putting information on my credit report. The information does not match up to the other bureaus and according to the FCRA, you must make sure everything youre reporting is accurate. Im entitled to an accurate report please remove the fraudulent account immediately. Im attaching my FTC report as well. As you can see from the attached 3 bureau credit files. All accounts are reporting different dates opened. This shows that the proper protocol was not followed because the bureaus are reporting different information. This is a violation of my consumer rights and you are violating consumer law. Legal counsel will be sought if the information doesn't get removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an overdraft protection feature on a checking account opened in XX/XX/XXXX at XXXX XXXX XXXX. I was XXXX at the time. InXX/XX/XXXX it was reported as late and due to me being young and not financially sound I did n't pay some overdraft fees that totaled XXXX dollars. Several years went by and as a worked toward my professional career I wanted to get my credit in order. So in XX/XX/XXXX, I checked all my reports and saw this XXXX charge I knew nothing about not remembering what it was from. I paid it immediately. However, my Experian and FICO report is showing that I failed to pay for years which equals 65 months of failure to pay status on my report. This is literally tanking my credit over 250 dollars. The worst part is that due to the timeline it would have been better for me to never pay it off and just let it fall off my report after the 7-year limit but I thought I should pay what I owe. I do n't think it is fair to have 65 failure to pay statuses on my report when the bank writes off as a paid profit loss and then I proceed to pay it when I learn how to manage credit as a young adult. I do n't think it 's fair for the life cycle of this account to restart since I choose to pay off what was owed instead of letting it fall off the report. It 's doing a ton of damage to my report over 250 dollars from a XXXXyear-old. And  again I PAID IT BACK in full to the original creditor.
Product: Vehicle loan or lease

After reviewing the loan with a banker, I realized the estimated payoff amount started to increase from {$12000.00} in the statement dated XXXX XXXX, XXXX to {$13000.00} in a statement on XXXX XXXX, XXXX. Also the Accrued Interest doubled on two different dates. On XXXX XXXX, XXXX the interest was {$100.00} and on another invoice from the same date was {$510.00} and that happened again on XXXX XXXX, XXXX as well with accrued interest going from {$130.00} to {$380.00}. The interest rate is currently 18.89 % and my payments are {$320.00}, I asked if the interest rate could be lowered and was told 'Santander Consumer USA does not lower interest rates. '
Product: Checking or savings account

On XX/XX/2020, a check for the amount of {$8600.00} was withdrawn from my account with a stolen check and a fraudulent name that was added to the check without my prior permission or knowledge. 
I contacted Bank of America and the police and so far BOA has done nothing to remedy the problem. They have closed of my account by placing a pending debt hold of {$880000.00} without notifying me, they have also not done anything to get my money back. I have been calling for over a month and every time they would tell me a different resolve date and tell me someone would get back to me within 24-72hours and to no avail! 
I need this fund back in my account for a very urgent transaction and as its such a large sum and I can not just withdrawal it from somewhere else. 
Bank of America has completely ignored my issues and kept postponing the date and the process. Initially they told me it would take two weeks, then it became 30-60days,  upon my last conversation with them, it has gone up to 120day or more!
Product: Checking or savings account

In XXXX of 2022 I had transferred a large amount of my money from my personal investment account to my checking account with Citibank and from there to my cryptocurrency account. Citibank accused me of fraudulent activity and closed my account and kept the remaining funds from my checking account as well as continued to accept my direct deposit from my employer paycheck before I was able to cancel those transactions via my employer. I filed a complaint with Citibank and they still have not returned the approximately {$25000.00} they took from me. Anytime I call to speak with someone, they transfer my calls to the fraud department and treat me like a criminal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is my name and I am a victim of Identity theft. I have been reaching out to these companies since XX/XX/2023 stating that these are not my unknown inaccurate accounts but they have been ignoring my letters. By Law these companies are not to report anything on my behalf without my written consent and that they are to investigate to make sure that the information reported is 100 % accurate. Each company is reporting something different on each account, which is a violation of the FCRA. These companies continue to violate my consumer rights and is negatively tarnishing my name. I have experienced XXXX XXXX financial hardships, and embarrassment due to this inaccurate unknow information reporting on my credit report. I am not being treated fairly and I want these companies held accountable for breaking the law!!!!
Product: Mortgage

My home is currently in foreclosure in Michigan which I have XXXX  months to redeem the amount of {$180000.00}. In the meantime, during the title search at the title company as I am attempting to sell my home, they are uncertain as to who is the true lien holder of my mortgage. I have discovered that that it appears to be three companies which includes GMAC in XXXX XXXX, PA which is recorded in the MERS system and showing inactive, PHH whom I have been paying which has attached my mortgage to XXXX who denies that I have a mortgage with them, despite all the letterheads for collection and grievances that I have addressed with the Ombudsman office are stamped as XXXX C/O PHH mortgage services ( See Attachments ). XXXX XXXX XXXX who is a debt collector for PHH Mortgage alleges that that PHH has nothing to do with XXXX. It is my belief that the amount XXXX is not the true amount as I have been in this home for 19 years with the original loan being {$200000.00}. I am not sure if the original loan has been XXXX and/or someone or entity fraudulently refinanced my home without my knowledge/nor authorization. I can not reach anyone from GMAC and XXXX alleges that they can not find an account, nor my social security number and/or loan account number is linked to them as a servicer. XXXX XXXX who is handling PHH Mortgage debt collection from me as the borrower denies have any affiliation with XXXX whose headquarters appears to be where GMAC Mortgage headquarters both in XXXX XXXX  PA. 
In addition, Title company discovered that there was a corrective gap assignment in the recorded deed at the county register of deed office in XXXX which appeared to back track a recording of title assignment in XX/XX/XXXX and XX/XX/XXXX. I never received any letters or notification of changes in Mortgage Companies during that gap period between XXXX. Has someone refinanced my mortgage through XXXX without my knowledge and/or used my home as collateral? 
I cant seem to get the truth from MERS, The County Register Deed Office, XXXX XXXX or PHH as to the true amount thats owed or who held the loan during the gap period of XXXX? Was my foreclosure unnecessary due to fraudulent documents? 

MERS has done some research, but denies any recording after XXXX and stated that they can no long assist me. 

I have attached and uploaded Response from MERS The debt collector XXXX XXXX in Michigan invoice to the title company A sample of letter with XXXX c/o PHH Letter Head with complaints written to their ombudsman office The corrective gap assignment recorded at the countys deed office.
Product: Mortgage

Settlement for Wells Fargo to account holders for unethical business practices brought to light by CFPB. 

I've just received a check for Remediation for a Credit account that was opened without my consent and discovered that all the treatment I've endured from Wells Fargo for checking accounts, mortgage, and auto loan were illegal and would also be entitled to separate Remediation checks. 

I'm assuming that I'll have to file separate claims for each of the accounts. 

Below documents show a fraction of the letters Wells Fargo sent every few weeks to reassigning a new Home Preservation Specialists that had me chasing my own tail for years trying to refinance an existing VA mortgage of XXXX opened in XXXX. I initially attempted to refinance in XXXX but was tortured with run around until XXXX when I received a notice of foreclosure.
Product: Student loan

I am submitting this formal complaint to request the discharge of my student loans held by Navient due to their deceptive practices, misrepresentation, and failure to provide appropriate guidance regarding loan repayment options. 

Over the years, I have experienced significant financial hardship due to capitalized interest, which led to my loan balance ballooning far beyond the original amount borrowed. Navients actions have included payment errors, mishandling of forbearance requests, and incorrect assessment of late fees. Furthermore, Navient has consistently misreported my payment status to credit agencies, which has caused severe damage to my credit score. Their representatives provided misleading information that prevented me from accessing better repayment options, leaving me with a growing and insurmountable debt. 

Additionally, I was unaware that by refinancing my loans with Earnest, I was still ultimately tied to Navient, which I feel was part of their deceptive tactics. These actions align with the widespread fraudulent behavior for which Navient has faced lawsuits from numerous states and investigations by the Consumer Financial Protection Bureau ( CFPB ). 

Navients conduct has inflicted financial harm, mental distress, and a burdensome debt that could have been avoided with transparent and fair treatment. As someone who trusted Navients guidance during an economically vulnerable period, I believe I deserve relief. I am therefore requesting the full forgiveness of my loans. 

Thank you for considering my request. I urge the CFPB to take prompt and decisive action to hold Navient accountable and provide meaningful relief to borrowers like myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early XX/XX/2019, I was having problems making my VA mortgage payments. Called XXXXXXXX ( my VA Home Loan Servicer ), and was able to be placed on a repayment plan until I could find employment again. During this time, I found gainful employment, and was ending my payment plan with XXXXXXXX -  towards the end of the payment program, I started making large payments. 

XXXXXXXX has been and still is reporting that my VA Home Mortgage is delinquent, and 120+ days past due. I have receipts from payments made that include date, time, and amount. 

I have disputed this negative reporting for approximately the past six months and XXXXXXXX does not return messages or have a way to contact them directly. 

I am happy to supply all pertinent documentation back my claims.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 
The items in dispute are as follows : Late Payment XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX. XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these account to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$400.00}.
Product: Credit reporting, credit repair services, 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 my 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

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. 

INQUIRIES : 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: Money transfer, virtual currency, or money service

My XXXX payment was direct deposited into my paypal account on XX/XX/2021. Upon deposit I found out that my account was limited due to " needing to verify my identity ''. I followed the guidelines to verify and was told I would have access to my XXXX within XXXX business days. XXXX days later I received an email stating I was no longer permitted to have a paypal account, and any funds in my account will be frozen until XXXX days after the XXXX of XXXX, and after the XXXX days pass I would be sent instructions on how to collect my funds when they are released from the account freeze. They also started that by their decision is final and I could not appeal their decision. Ive called them multiple times trying to explain that there must be some.mix up. I only had the account for XXXX months at the time of the XXXX deposit and only made XXXX transactions in that time. They refused to look at my situation or the fact that I am unemployed already already drowning in debt and about to become homeless. This is a XXXX, to help us struggling people who were affected by the covid pandemic and the XXXX payments are meant for us to catch up on out debt. Well I think it isn't right that they can keep my funds because they say I haven't proven my identity. Can I do anything about this? I don't know.what else to do. Please help me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX that received the student debt relief and the debt has been removed off of my XXXX but, it is not being reflected/updated on TransUnion or XXXX. My overall debt is still showing and reflecting the student loan amounts. 

I was awarded the XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I submitted a dispute to XXXX, XXXX and Transunion regarding a credit card that was not mine ( XXXX XXXX Bank ). XXXX XXXX Bank in turn sent me paper work to declare the credit card was not mine. I signed the letter in dispute of the credit card that I indeed did apply for a XXXX XXXX Credit card but I never received the card in the mail and had no idea I was even approved. XXXX XXXX then sent me correspondence that they sent the credit card to my address and that validated that the card was mine. The credit card is mine but I never received the card due to possible mail delivery error which has happened in the past. I did not use this credit card nor do I owe XXXX XXXX bank any money. This account is showing negative on my credit report.
Product: Debt collection

I tried to agree on a fair payment for the service since the amount is incorrect right now and also to be able to make fair payments but I have been denied everything. 

They forced me to stay an extra night at the hospital since doctor " forgot '' to sign my paperwork, nurse was watching a game on the phone while giving me my medication, they didn't have a doctor for my surgery and just keep giving me medicine for the pain ( which it wasn't my fault or responsibility ) now they tried to charge for all that, I wanted to leave to go to another hospital and they didn't let me either. 

I have the worst treatment ever in my life and after that I tried to talk to someone on the hospital and they didn't want to, sent letter to all the managers and people in charge to try to get an answer and nothing.