23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom it my concern, The loss mitigation submission was submitted to the servicer Mr. Cooper on XX/XX/2019 and was confirmed received by the servicer on XX/XX/19. On XX/XX/19 the servicer confirmed they never opened and reviewed the new submission as due to the file being denied from a previous submission from XX/XX/2019. On this day a new review was opened up with the submission from XX/XX/19 with updated income documents included. This review was denied due to missing documents. On XX/XX/19 a newly updated package was sent with all updated documents. This file stayed in review pending an issue with the 4506-t in which we sent to them 5 times however it kept getting rejected by IRS for an unknown undisclosed reason. On XX/XX/19 I confirmed with the servicer the 4506-t was finally accepted and the file was pending a decision. On XX/XX/2019 the file was denied for excessive obligations. The file was resubmitted with updated income showing a change in circumstances on XX/XX/2019 and denied again on XX/XX/19 however when it was denied I requested we go over the financials and at this time noticed they were not using the income and expenses from the submission dated XX/XX/19 they were using the numbers from the file submitted back in XX/XX/19. I advised there was a financial change in circumstances and the submission sent on XX/XX/2019 needed to be the one they were reviewing. On XX/XX/2019 I submitted a complaint to the escalations department stating they have not been using the correct income and expenses and also attached another copy of the XX/XX/XXXX submission for their review. To date I have not received a response on my escalation at all and was told by the servicer I will need to resubmit the entire file again although I just sent it a week prior. Also in the process of getting the run around with the loss mitigation review and miscalculating the income and expenses the lender sent a notice showing the investor as someone completely different than who it is. I called the VA and confirmed the loan is 100 % a VA loan however the investor they are showing does not reflect the VA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft XXXX 2017. Since then I have twice faxed information to Equifax in order to place an extended fraud alert on my report.
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Neither time have I heard back from Equifax.
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I am attaching the documentation that I have faxed twice to Equifax.
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Thank you.
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XXXX XXXX
Product: Credit card or prepaid card

Synchrony Bank is still lowering and closing accounts with balances. This is creating a major impact on my credit scores. According to the bureaus, Synchrony Bank is the primary culprit in reducing my credit scores. I have never paid them or anyone else late. They keep responding with " their right '' to periodically review scores and make changes and that they don't base it on your history with them. Yet, the only issues that affect the scores they are using to make this determination is being adversely affected by only them! Where is " my right '' to expect that my loyalty and on time payments will not result in unfair and adverse actions on the part of synchrony. If they post another generic " our rights '' reply here, we will be forwarding this to our legal counsel. We are business owners who are required to personally guarantee some of our accounts/ insurances / bonding. This situation with Synchrony and their unfair practices has had a horrible impact on our ability to do so and conduct our business '. LAST CHANCE SYNCHRONY!
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( /XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 


INSTITUTION : XXXX XXXX XXXX XXXX ACCOUNT HOLDER NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX 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.

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 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, credit repair services, or other personal consumer reports

XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, SC XXXX n accordance with the Fair Credit Reporting act XXXX  Account # 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, credit repair services, or other personal consumer reports

Chrysler Capital has been inaccurately reporting data to the three credit bureaus. They have reported me as having late payments for the months XXXX, XXXX & XXXX. Attached, you will find that I paid my car note on time for the months XXXX, XXXX & XXXX. Therefore, the information they've provided to the bureaus is incorrect and should reflect the truth. This is negatively impacting my credit score for no reason at all.
Product: Credit card or prepaid card

I have an XXXX XXXX XXXX XXXX XXXX XXXX. According to the card benefits I am protected up to {$5000.00} for trip interruption benefits. I filed a claim for a trip that was cancelled due to weather on XX/XX/2018. I have spent countless hours on hold and on the phone with the company only to get the run around. They have denied my claim without reason, or their reasons are inaccurate. 
I was stuck on the tarmac for 3.5 hours and miss my connecting flight and missed the cruise in XXXX. According to my card benefits, I am covered for the cost of the trip, however they are denying my claim without reason ( or the reasons make NO SENSE ) They give me phone numbers that aren't even in XXXX to call. I have spent the past 2 months working on this and the last call was 58 minutes long before I had to hang up while on hold waiting for someone. 
My entire trip was cancelled because of weather. I have an email from XXXX XXXX, which I sent to the credit card company, confirming that the flights were cancelled due to weather. 
They are a fraudulent company offering things that they won't delver on. 
I am don't know what further actions to take besides reporting them. 
Please help.
Product: Credit card or prepaid card

I have a Capital One CC by way of Walmart. Walmart transferred all of their CC accounts to Capitol One. I requested a lower interest rate on XX/XX/2021 with their Customer Service Department. I also requested to pay off my Capital One account using a CC that had a lower interest rate.I was trying to transfer my remaining balance to a Iower interest rate card.I was told that I could not get a lower interest rate or pay with a different Credit Card. I asked the representative why she stated " Our System it's set up for that ''. I repeated back to the Representative " you won't lower my interest rate, I can't pay with another card I asked is that what you're saying. The Representative said " yes ''. I'm trying to clear off my balance with Capitol One because I can't keep up with the interest. My credit score is XXXX, I pay my bills. What can I do as a consumer regarding this company 's practice? 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a loan for {$2000.00} from the business " Cash Central '' in XX/XX/XXXX. The loan defaulted and I owed a balance of {$2200.00}. It was sold to a third party in XX/XX/XXXX and the balance was paid to them in XX/XX/XXXX.  Cash Central has confirmed in their system that my account shows a balance owed to them of {$0.00} ; however, they continue to report to XXXX  that I have a past due balance of {$2200.00}, significantly impacting my credit. 

I'm currently obtaining a mortgage and was just on a 3 way phone conference with my lender and Cash Central. The mortgage is going to be fine because Cash Central confirmed a {$0.00} balance ; however, the fact remains that they are incorrectly reporting my balance to XXXX. 

The loan officer said he was confused because no company is allowed to continue reporting a past due balance once they sold the account and are no longer owed by the consumer. 

They confirmed that they will forever report a past due balance of {$2200.00} to the credit bureau despite the debt having been paid. 

The phone conversation was recorded and they are sending me a letter confirming this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Selene Finance reported my mortgage late thirty ( 30 ) days. I have never been late since Selene Finance obtained my mortgage on XX/XX/2021. After my initial payment in XX/XX/2021, I usually pay my mortgage a few days before the XXXX of the month.
Product: Money transfer, virtual currency, or money service

CashApp closed my account for terms of service violation. The app says I can withdraw any funds left in my account. When I try ti do so I get error message. Been trying to cash out for 10 days. support is awful and refuses to help
Product: Debt collection

Previous complaint. Monterey Financial Is violating the Fair Debit Reporting Act and Fair Debit Collection Practices Act. They were reporting the collection account twice on my credit reports and were trying to be sneaky thinking people don't check. They have fixed my XXXX  report and I see with the last dispute they had sent it to be fixed on XXXX. But they haven't fixed XXXX. This hurt my credit for a good period of time and that's wrong and a violation. My original balance for my XXXX was {$5300.00} which I did make some payments on. Then the account was closed/charged off. Now you are trying to say you can continue charging me on a closed/charged off account that's nearly 5 years old? and charge me almost {$9000.00} in interest and fees. That's extortion! I will have my attorney reach out because your debit collection practices are against the law and you are trying triple my balance owed. Not to mentioned you have tried to collect that balance twice and damaged my credit. which I have proof of. See how that turns out for your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # 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 d purpose. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting multiple account numbers as follows INNOVIS # XXXX, XXXX # XXXX ..., XXXX must delete this account do to erroneous, incomplete and unverified account number information. Attach to this dispute I am providing a letter from the actual furnisher of information with a different account number also an attach credit report from innovis also with a different account number both to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REQUEST LETTER TO WHOM IT MAY CONCERN : Received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. Not saying they are reporting right or wrong. Just saying that I am not 100 percent sure rights to challenge anything, I am not sure is accurate. Some of the people reporting things on me, I have never heard of, made me write to you all. 

Are you familiar with something called 15 U.S.C Sec. 1681i ( a )? Heard that if you can not provide proof, these accounts must be deleted. Well, I want these accounts deleted- if they are not 100 percent correct. So, could you please check on these and get back with me? Saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not, correct them. 


In accordance with Fair Credit Reporting, everything must be 100 % accurate on my credit report. 

The Credit bureau stated my account was thoroughly investigated, but how is that possible if the opening date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my right under : 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 an account without my written instructions. 
15 USC 1692. ( C ) ( A ). Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. XXXX is aware and has proof in attachment labeled as exhibit A that corporation name is in violation. 
15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damages sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 
Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX
Product: Credit reporting or other personal consumer reports

I have fake information in the " social security numbers '' area in which I only have and have only used the social security that was provided after my birth in XXXX XXXX I have reported several things over the past 2 years and yet nothing have been resolved.
Product: Credit reporting or other personal consumer reports

I am writing to express my growing frustration and disappointment with the repeated unsuccessful attempts to remove fraudulent items from my credit report. Despite my diligent efforts to rectify this situation, these fraudulent entries persist, causing severe financial distress and adversely affecting my ability to secure loans and financial opportunities. 

Below, I outline the specific details of the fraudulent items and the numerous attempts I have made to address them : I have diligently followed the procedures outlined by the Fair Credit Reporting Act ( FCRA ) in disputing these fraudulent items. I have provided all necessary documentation to support my claims, and I have made multiple attempts to rectify this situation. However, my previous efforts have been in vain, and these fraudulent entries continue to inflict significant financial harm and emotional distress upon me. 

I hereby request that your agency conducts a thorough and exhaustive investigation into these fraudulent items and takes immediate action to remove them from my credit report. Additionally, I urge you to implement measures to prevent the recurrence of such inaccuracies on my report in the future. 

I am prepared to cooperate fully and provide any additional information or documentation required to resolve this matter expeditiously. I am asking for your assistance to remove the following fraudulent items immediately : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX CO XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XX/XX/2023 XXXX
Product: Credit card

Subject : Formal Complaint Regarding Dismissive Handling of Dispute by Chase Bank Staff Dear Chase Bank Customer Service, I am writing to express my dissatisfaction with the handling of a recent dispute by one of your employees. I believe it is crucial to bring this matter to your attention for appropriate resolution. 

On [ date ], I initiated a dispute regarding [ nature of the dispute ] in the amount of [ amount ]. Despite providing all necessary documentation and details, the Chase Bank employee assigned to my case displayed a dismissive attitude and failed to address my concerns adequately. This experience has left me frustrated and dissatisfied with the level of service provided. 

I expect a higher standard of professionalism and customer care from a reputable institution such as Chase Bank. It is disheartening to encounter such a lack of diligence in resolving customer issues, especially those related to financial matters. 

I kindly request a thorough review of my dispute case and appropriate action to be taken to rectify this situation promptly. I believe in the importance of maintaining customer trust and satisfaction, and I trust that Chase Bank shares these values. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to bring to your immediate attention a matter of significant concern regarding my credit report, managed by your agency. Upon reviewing my credit report, I have identified several accounts that I believe have been reported in violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 USC 1681, 15 USC 1681c ( a ) ( 5 ), and 15 USC 1681s-2 ( A ) ( 1 ). The accounts in question are as follows : XXXX XXXX - Account number : XXXX XXXX XXXX  - Account number : XXXX XXXX - Account number : XXXX XXXX - Account number : XXXX XXXX XXXX - Account number : XXXX XXXX XXXX XXXX - Account number : XXXX XXXX  - Account number : XXXX - XXXX XXXX XXXX XXXX These accounts have either been reported without my express written permission, contain inaccuracies, or include adverse information that is outdated and thus should not be part of my consumer report. In accordance with the FCRA, I am formally requesting the immediate deletion of these accounts from my credit report. This action is necessary to correct the inaccuracies within my report and to restore my rights to privacy and confidentiality as mandated by federal law. I have taken the steps to document these discrepancies thoroughly and expect a swift resolution to this matter. According to FCRA guidelines, I understand that you have a legal obligation to investigate this dispute and provide me with a response within 30 days. Please consider this letter a formal dispute notice, and I request that you initiate the investigation process immediately. I am prepared to take further action, including seeking legal counsel and filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), if these issues are not resolved promptly and satisfactorily. I appreciate your immediate attention to this urgent matter and expect to hear back from you with confirmation of the deletion of these accounts or, at the very least, an update on your investigation within the statutory timeframe. Thank you for your cooperation. Sincerely, XXXX XXXX
Product: Debt collection

Signed contract XX/XX/year> Canceled contract XX/XX/year> -mailed letter -emailed ( multiple times ) Followed the contract to cancel by emailing and sending in a letter XX/XX/year> : filed complaint with XXXX  due to receiving many calls and the company continuously trying to extract money from my account. 

I have attached the contract as well as the letter sent.
Product: Debt collection

Missouri State did not send notification the debt was going into collection. No information was sent to me by the debt collector that they were now collecting the debt. I only knew about them when I checked my XXXX XXXX score and it dropped over XXXX points0
Product: Student loan

Since XX/XX/2024 I have been attempting to get transcripts from XXXX XXXX XXXX. I have contacted them via phone and emailed. I was told my debt was with the Ohio Attorney Generals office. I contacted them they looked up my debt told me the remaining balance was {$2000.00} and that I had to speak with National Enterprise Systems Student Loan Services. I called the number provided at XXXX XXXX times it plays a recording and then prompts that everyone is busy leave a voicemail and someone will get back to you. Every time I leave a voicemail and no response. We are no well into XXXX and still no resolution. I have reached back out to the Attorney generals office no relief as well as XXXX XXXX. Most recent communication with XXXX XXXX was XX/XX/2024 they stated they can put the full amount on my student account but I have to pay it in full they don't do payments. If I need to do Payments then I need to speak to the state. And that is fine if I could actually get someone from the state to actually assist me instead of sending me to some debt collection agency that doesn't answer the phone.