23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have no legal liabilities to the collection company. The amount indicated in the report was already paid to the original creditor. The continuous reporting of this erroneous information on my credit report has been hurting my credit score massively and this is no longer acceptable. Documents and anything of its like should be presented for me to review the accuracy of your investigation. Failure to provide my request should result to the deletion of this account abruptly.
Product: Credit reporting or other personal consumer reports

I opened a complaint to the CFPB on XX/XX/year> complaint number XXXX .I received a notice from stating I opened a dispute and I looked at the dispute and after all the evidence I submitted Experian only opened a investigation into one account which is XXXX XXXX # XXXX. What happen to all complaints/disputes I submitted which were XXXX XXXX XXXX XXXX this account has been in violation for years and Experian negligence has lead me to a bunch of adverse actions.Also XXXX XXXX XXXX Acc # XXXX has been disputed over several times and NOTHING has changed.I contacted the furnisher who told me directly this debt should have been removed because it was invalid and not in our system for multiple errors.So who is verifying this information? Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved after submitting numerous disputes with evidence numerous CFPB complaints. The CFPB has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing continuous harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian inaction violates federal law and my rights as a consumer. All of my identifying information will be attached again. If these accounts are not removed I will have to pursue further action.
Product: Checking or savings account

Bank of America closed my account in XXXX. At first they said they would mail me the check but almost 6 months have passed and no check has arrived yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7400.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.
Product: Debt collection

I recieved an alet from reporting agency that there was activity on my report I looked at report to find calvery portfolo was listed as putting me in collections I called the number listed and they told me they could not giv me any information they could only talk to my lawyer.it was for somthing with XXXX that shows in the collections box for {$2000.00} I have never in my life had any XXXX bank accounts or credit cards and they wouldnt even tell me what is was for. I recievd a letter about a year ago to my dtrs house from XXXX stating that someone was tying to open a checking accont on line in my name and my daughters address they had me talk to the fraud dept who assured me the checking account was not opened. 
I have heard nothing after that until my credit report shows this collection agency for XXXX and a balance due of {$2000.00}.
Product: Credit card or prepaid card

Bank of America - XXXX - is reporting a charged off account with a balance, but I didn't owe them anything because I paid them off back in 2017.. I never received anything from them since I paid them off. -- Then I find out that they charged an annual fee and I didn't know that they charged that and my account had been past due -because of their fee- when I finally found out the account was charged off already. I was transferred around and put on hold every time for 30 min. Nobody would help me try and fix the account. Nobody at Bank of America knows what they are doing. 
They had my address and information incorrect and thats why I never got a notice. But this debt is not valid and not mine. This account needs to be fixed because there is no way I am paying {$920.00} for nothing but their FEES!!! 
It was nothing I purchased. Nobody ever called me or anything to let me know my account was past due!
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a dispute letter to XXXX XXXX XXXX XXXX regarding inaccurate and incomplete information on my consumer report. Despite my clear request for proof of compliance with the XXXX notice requirement under 15 USC 1666b , their response was misleading and irrelevant, suggesting I might be a victim of identity theft, which I never indicated. 

I specifically requested documentation proving that the required notice was mailed or delivered to me no later than 21 days before the payment due date. XXXX XXXX XXXX XXXX failed to provide this proof, which is a violation of federal law. Instead, they stated that the account is verified/accurate without addressing my actual dispute.
Product: Debt collection

After examining my credit report, I identified inaccurate accounts that were not the result of an error
Product: Student loan

Good afternoon, I am a Federal Student Loan borrower with Fed Loan Servicing. I have met the criteria for public service loan forgiveness and my ( well over ) 120 payments were certified in XXXX. Fed Loan Servicing did not provide me with correct information and as a result I did not submit my final application for forgiveness until XX/XX/XXXX. On XX/XX/XXXX Fed Loan provided a letter stating that they needed additional time to review the application. 6 months have passed and I have not received any additional information. I've reached out to Fed Loan on multiple occasions and they will not tell what specifically is being reviewed, what specific progress has been made on the review including dates, if there are any problems with the application or if I need to submit any additional information. I am aware that processing is slow ; however, this appears to exceed the typical processing time. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

Booked trip to Hawaii in XX/XX/XXXX for XX/XX/XXXX trip. Cancelled trip XX/XX/XXXX, and requested {$270.00} refund from XXXX XXXX XXXX For two hour boat cruise. XXXX XXXX XXXX did not respond timely to my cancellation by email, so I contacted my Citi Visa Card, but XXXX XXXX XXXX declined my refund for no reason.
Product: Credit card or prepaid card

Please refer to complaint # 's XXXX and XXXX. Citibank recently sent a statement saying they are not returning my funds but will remove the retaliatory remark they put on my credit which negatively affected it. They have not sent me proof of their investigation but base their decisions off of unknown findings they will not reveal to me. I am requesting all findings from the investigations they claim they have conducted to be forwarded to me with all monies returned to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transuion is unlawfully reported fraudulent INQUIRY that arose from IDENTITY THEFT that they did not verify as required by law on my consumer report.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The Following Inquires are a result of Identity theft and was not initiated by me, I demand that this is DELETED immediately : XXXX XXXX ( Finance ). XX/XX/2023 2023
Product: Payday loan, title loan, personal loan, or advance loan

Correspondence was sent to Affirm LLC ( registered agent : XXXX XXXXXXXX ) and they have not responded with the information requested. Dated for XX/XX/year> along with certified mail item XXXX XXXX XXXX XXXX XXXX asking for validation. The second correspondence was dated for XX/XX/year>, certified mail item number : XXXX XXXX XXXX XXXX XXXX. The company did not respond with the requested information.
Product: Credit card or prepaid card

I noticed today that the address on my account was entirely unfamiliar. Going back through previous statements shows the change occurred halfway through XX/XX/2022. When I contacted the company they state the USPS sent a letter informing them of this change of address ; the problem is the address listed was never associated with me. My concern is this : How is a credit card company allowed to update my information without my permission? As far as I am concerned both my credit card company ( Citi ) and the USPS are at fault for sending my personal information to an unknown address. This is a major breach of privacy and as far as I can tell it led to my information being stolen and used for around {$1200.00} worth of fraudulent charges.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX I need to attend the following shown items in this letter high contains data taken directly from my credit report which you have provided. 

Delete these unconfirmed inquiries lacking certificate evidence unless fisically certified verified proof is demonstrated per US CODE 15 U.S.C Section 1681 ET SEQ. Section 604 of fair Credit Reporting Act. 

Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : ( XXXX ) account # XXXXhas violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX  ) account # XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b. Experian XXXX XXXX, and XXXX, must remove all information reporting from and relating to ( XXXX ) account # XXXXincluding third party debt collection accounts associated with ( XXXX  ) account # XXXXbecause the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b.
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Santander Consumer due to their failure to post a cleared auto loan payoff check in a timely manner. The payoff check cleared by the insurance company bank on XX/XX/year>, yet as of XX/XX/year>, the payment has not been applied to my loan account. This delay has caused significant financial hardship, including {$1800.00} in rental expenses, and has prevented me from obtaining financing for a new vehicle. 

Details of the Issue : Lenders Name : Santander Consumer USA Date the Check Cleared : XX/XX/year> Despite multiple attempts to resolve the issue directly with the lender, including phone calls, the payment has still not been posted. The lender has not provided an explanation for the delay, and this is now approaching the critical 30-day mark, which may lead to a negative credit impact if not resolved immediately.

Impact of the Delay : {$1800.00} incurred in rental car expenses due to being unable to purchase a new vehicle. 
Late on Bills What I Am Requesting : Immediate investigation and assistance in ensuring the lender posts the cleared payment to my account.

Confirmation that no late payment will be reported to the credit bureaus due to this delay.

Consideration of reimbursement for a portion of the rental expenses caused by the lenders negligence.

Extended Warranty Refund I appreciate your attention to this matter and am happy to provide any further documentation you may require, including proof of the cleared check and my correspondence with the lender. 

Thank you for your assistance. 

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

In accordance with the fair credit reporting act XXXX  account XXXX XXXX  has violated my right 15 USC 1681 section 602 states that I have the right of privacy 15 USC 1681 section 604 A section 2 : It also states as a consumer reporting agent can not furnish a account without my written consent instructions 15 USC 1666B : A creditor may not treat payment on a credit card account under an open, and a consumer credit plan as late for a purpose.
Product: Mortgage

The company Mutual of Omaho Mortgage is advertising rates that are entirely incorrect.
Product: Debt collection

On Friday, XX/XX/XXXX. 
Atlantic Recovery Solutions The company contacted a family member and released the dollar amount of an owed debt as well as my payment history to my mother at her home without my knowledge. After contacting the company they explained this was not illegal and asked do you really want to do this over . $ $? They insisted no act was illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to Equifax to remove the account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/2022. Ive already included this in my previous Complaint XXXX & I am including it again. 

XXXX XXXX XXXX
Product: Credit card

I put all my Syncrony cards on paperless after they said theres a fee and now theyre charging even though I received NO statment, they also lowered my credit rating that now impacts my overall credit worthiness by raising my useage even though Ive no late payments, its on auto pay and I rarely use it because of skyrocketing interest rates. I filed with the XXXX  but that went unanswered and I feel this is retaliation for the XXXX  complaint If they say its because of my credit useage its truly because they lower limits and that falsely shows high useage..
Product: Mortgage

XX/XX/XXXX I started in the federal government Covid 19 Forbearance program to end XX/XX/XXXX But due to the fact I have an FHA loan the FHA in XX/XX/XXXX issued an update to FHA Covid 19 loss mitigation Policy Letter # XXXX extending my Forbearance by One Year to XX/XX/XXXX, However, MrCooper refuses to accept the FHA Guideline extending my Forbearance by one year & has insisted & harassed me to commence payment on XX/XX/XXXX, I have written to them sending all relevant documents from FHA but to no avail, In reality, the FHA program ends XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I own a Discover credit card with an authorized user. My e-mail address was changed on the website without my permission. The authorized user made a payment that came back. Without my knowledge the account was marked 30 Days late on my credit report. I contacted the Discover and explained that I was never notified of non payment/late payment due to not being contacted by Discover via e-mail, phone, or postal mail. I was told by a Discover supervisor that they only report to credit bureaus after 60 days late. XXXX from XXXX was very kind and promised she was send the information over to Discover credit reporting stating it should not have been reported as it was a one time mistake and I was not informed. Had I known I wouldve been happy to make a payment. I disputed with the credit bureaus and it was not deleted. I explained that my email was fraudulently changed and was told by other supervisors nothing could be done. I was hopeful that it would be removed off of my credit based upon fraud and Discover allowing 60 day late payment before reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, Equifax, XXXX, & XXXX have not investigated or responded to disputes on my credit report. They have violated the FCRA 30-day-to-respond regulation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous Account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXXXXXX XXXX XXXX XXXXXXXX, and hoping that this account will be corrected. 

XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}
Product: Bank account or service

I sent Money through My Western Union WU Pay Account Number : XXXX and for The Receiver Country The Money is on Hold.
Product: Debt collection

Contacted Jefferson Capital Systems on XX/XX/year> and asked about the open collection on my credit report in the amount of {$220.00}. Rep advised that in order to pull up my information to verify the account and tell me what the debt was for, they would need my credit or debit card number so they could pull my credit report and that the charge would be {$1.00}. I later found out that this is a subscription that I would later need to cancel. I am also aware that is illegal to charge any amount for validation of debt. I advised the rep that I did not feel comfortable giving my debit or credit card information and that if I had an account with them, they should be able to pull that up without me giving them that information. At the time the rep advised they would not be able to tell me what the debt was for and no validation of debt would be provided.
Product: Debt collection

As a home- owner we have not received a written offer from Bank of America N. A , as the lender or servicer that we deem acceptable. The federal Real Estate Settlement Procedures Act, XXXX gives me the right to request information about my mortgage account. It also gives me the right to demand and compel that my account be corrected, before a decision on our behalf can be made to modify our loan. In this QWR statement this is also an Appeal to review the loan modification terms before an agreement to sign. 


A complete payment history which lists the dates and amounts of all the payments I have made on the loan to date, and how each payment was applied or credited ( whether to principal, interest, escrow, suspense, or some other treatment ) A breakdown of the amount of claimed arrears or delinquencies on the account, including an itemization of all fees and charges you claim are currently due The payment dates, purpose of payment, and recipient of any and all fees and costs that have been charged to the account The payment dates, purpose of payment, and recipient of all escrow items charged to the account A copy of any annual escrow statements, and notices of a shortage, deficiency, or surplus sent within the last three years The current balance in any suspense account as of today and the reason why such funds were deposited in the account The name and address of the owner of the promissory note secured by the deed to secure debt for the mortgage loan referenced above The names of all entities to whom the promissory note referenced above has been sold, assigned or transferred, and the dates that each sale or transfer of the note occurred A copy of the note referenced above, and any attachments showing endorsements that have occurred A copy of any assignment of the note or deed to secure debt A description of all loss mitigation and foreclosure avoidance steps taken with regard to this mortgage loan, including all calculations concerning debt-to-income and net-present-value determinations and all documents regarding loss mitigation A description of any foreclosure avoidance steps taken with regard to this mortgage loan A copy of any Assignment Assumption Agreements concerning the securitization process of my loan What is the Chain of the Securitization on my loan? 

Was there any legal representation on my behalf by XXXX XXXX XXXX XXXX involved in any negotiations concerning the modification of loan terms? 

Who are the Trustees of loan and or Trustees of my Deed and Trust?
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.