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

I looked at my report back on XX/XX/year> and noticed some things are incomplete and inaccurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. 


This account " XXXX XXXX open date is NOT reporting accurate, date last active, date of last payment is NOT correct, this account is NOT accurate. 


This account " XXXX '' open date is NOT reporting accurate, date last active, date of last payment is NOT correct, this account is NOT accurate. 

I sent a letter via certified mail on XX/XX/year> tracking number XXXX asking them to reinvestigate the accounts in question. 

I got the investigation back and NOTHING was modified. 

So I requested a description of the reinvestigation and they did NOT provide me which is a violation of 15 USC 1681i ( 7 ), They also violated 15 USC 1681a, 5.
Product: Payday loan, title loan, or personal loan

I applied for a loan through Avant and did the application and credit check. It said they are going to contact me later with rates and more information. I didnt hear from them for a couple days so I checked their website which I had to make a login during the application process. Their website said I had got the loan but I never sent any information or signed a agreement to the loan. So on Monday the money was deposited into my account and I called avant. The first representative couldnt hear me too well so I called back later after I got home. I told the lady I would of never agreed to those terms and never signed for the loan. She said they sent a email with a link to complete the loan agreement. I said I never got it and later checked my email and its sitting in the spam folder unread. She was very rude and would not provide me with a email showing these things she stated. Long story short I applied for a loan but would have never agreed to those terms and never gave them any documents or signed a promissory loan agreement.
Product: Checking or savings account

Dear CFPB, I am following up on my complaint against Bank of America regarding their refusal to provide a reason for denying my checking account application. The companys response to the CFPB stated that they sent their explanation directly to me and provided a copy to the CFPB. However, I have yet to receive any response from them. 

I have called the phone number they provided ( XXXX XXXX ) multiple times and left several voicemails, but I have not received any response from Bank of America. Their lack of communication is preventing me from understanding why my application was denied and from taking any necessary steps to resolve the issue. 

I request that the CFPB take further action to ensure that Bank of America provides a clear and timely response to my inquiry. Please advise on the next steps I can take to resolve this matter. 

Thank you for your assistance.
Product: Mortgage

I contacted Citizens bank a month ago to provide me copies of checks that I wrote from my heloc account, it has been a month and they have not given me teh requested document I have talked to several customer service representative including 3 supervisors ( XXXX XXXX  and one other guy do not remember his name ). Every time they give me a new case no and tell me to wait for 3 business day, I have 5 different case numbers without any resolution. They also told me that the checks are not available because transfers were online, which is a complete mis information since I have no and amount of checks I wrote and statement when those we re cashed out
Product: Mortgage

Dear CFPB Representative, I am writing to formally lodge a complaint against my mortgage servicer, Mr. Cooper ( Nationstar Mortgage LLC ), for imposing force-placed insurance premiums significantly higher than market value. While I acknowledge a lapse in payment for my homeowners insurance between XX/XX/year>, and XX/XX/year>, due to personal reasons, the charges levied for the force-placed insurance are disproportionate and unreasonable. 

Details of the Issue Mortgage Account Number : XXXX Lender Name : Mr. Cooper ( Nationstar Mortgage LLC ) Lender Contact Information : Phone : XXXX Address : XXXX XXXX XXXX, XXXX, OH XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, MI XXXX Timeline : My original homeowners insurance policy lapsed on XX/XX/year>. 
I secured a new insurance policy effective XX/XX/year>, and promptly provided proof to the lender. During this lapse, the mortgage servicer imposed force-placed insurance. 
Charges : The cost of the force-placed insurance was {$1600.00}, covering approximately two months. This amount is disproportionately higher than comparable market rates. For reference : My current annual homeowners insurance policy through XXXX costs {$2000.00}. 
A comparable policy for the same period of force-placed insurance would have cost approximately {$400.00}. 
Complaint The excessive cost of the force-placed insurance, more than four times the market equivalent, appears unreasonable. I believe this charge does not reflect fair market value and violates consumer protection standards.
Product: Student loan

This is for a private student loan with XXXX which is serviced by MOHELA. 

I, XXXX XXXX, sent a validation of debt letter to the man, XXXX XXXX who acts as the CFO at MOHELA on XX/XX/XXXX and they recieved it on XX/XX/XXXX with a tracking number of XXXX certified mail. MOHELA failed to validate the debt with an affidavit in the 15 days I provided them. I then had sent a cease and desist letter on XX/XX/XXXX and MOHELA received it on XX/XX/XXXX with a tracking number of XXXX certified mail. MOHELA has since been mailing a bill due and has not provided a letter to validate the debt with an affidavit. MOHELA has since reported late payments to XXXX, XXXX, AND XXXX. I sent an affidavit of truth letter on XX/XX/XXXX and they received it on XX/XX/XXXX with a tracking number of XXXX certified mail. I provided them another 10 days to validate the debt via an affidavit. XXXX XXXX has not provided a " wet-ink '' signature and MOHELA will not be able to validate the debt as XXXX XXXX and XXXX XXXX XXXX not the same person. XXXX XXXX is a living soul man. Also this " debt '' has already been paid via the promissary note that I have requested to see per the XXXX of XXXX XXXX in which MOHELA has not provided. Please be advised that the man, XXXX XXXX, has never gotten back to me. Please also be advised MOHELA is a corporation which is a " dead entity '' and can not communicate or claim a debt against a living man. Today is XX/XX/XXXX and I am formally sending in a complaint
Product: Debt collection

There are unauthorized accounts on my credit report ; I ask for these to be investigated, blocked, and erased without delay.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate entry on my credit report. The item in question is a car loan from XXXX XXXX XXXX XXXX, listed under account number XXXX. This loan should no longer appear on my credit report, as both my insurance company and gap insurance paid off the loan in full due to the total loss of the vehicle. Additionally, XXXX XXXX has incorrectly labeled the car as a repossession after receiving the payment from my insurance company to cover the total loss. This item has only been reported on TransUnion and XXXX, and it has already been removed from XXXX.
Product: Mortgage

Loan Servicer : NewRez ; XXXX. XXXX XXXX ; XXXX, OH XXXX Our mortgage loan was paid in full on or about XX/XX/2019. At the time of the payoff, there was a {$6000.00} surplus in the escrow account. We received the lien release/loan satisfaction papers. 

As of today 's date ( and after numerous calls to get the funds disbursed ), we have NOT received the funds that were in the escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit card
XXXX XXXX XXXX
AMEX
XXXX XXXX XXXX XXXX

FRCA Violation loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
FRCA Violation address

PO BOX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX  TX XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX  Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit report item ( s ) have been reported illegally according to 15 USC 1681. The information on the credit reported by trans union, XXXX and XXXX was reported without my permission.
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. 


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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 

XXXX  XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit card or prepaid card

Hello, On XX/XX/XXXX I found evidence of identity theft on my credit report. I then realized that my identity had, in fact, been stolen. An address and multiple phone numbers were taken out in my name and used to obtain several credit cards including 2 from Capital One. One of those accounts has since been found as fraudulent however the other one remains. That account has a due balance of {$460.00} and was opened on XX/XX/XXXX of XXXX. Several times I have filed fraud notifications with the company and each time they continue to tell me that they find no evidence of fraud. Each " investigation '' seems to last only a couple of days. I have never been contacted with an explanation other than that they " have found no evidence of fraud ''. After speaking with multiple representatives I have discovered that since the address and phone number matches my name, Capital One will not identify the account as fraud. Recently I have submitted a full police report containing my sworn statements & a possible suspect, my tax returns with proof of my address and phone number from XXXX & XXXX, an email from the landlord of the property the card was sent to stating that I have never lived there, an affidavit I signed for another bank concerning fraudulent activity on a card sent to the same address, a letter from another bank explaining that fraudulent activity had been found, and a picture of my license. After sending all of this, I received yet another letter within 2 days saying no fraudulent activity has been found due to " limited information '' provided. This is the MOST information I have ever sent to any bank. Please, I need help. I am willing to cooperate, I just need someone from the fraud team willing to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XXXX 2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Vehicle loan or lease

I currently own a XXXX XXXXXXXX XXXX. There is a lien attached to my title from a previous owner. The bank on the XXXX  is Synchrony Bank. I provided them with information of my ownership as well as a copy of a lein release from XXXX ( Synchrony serviced XXXX loans at the time ). They refused to even have a conversation and the bank seems as though there is no workers on the inside just call takers on the outside that dont know the inner workings. Synchrony bank failed to electronically release the lein and will not provide me with a letter stating they have no financial interest in my boat. 

It should be noted Ive called over 20 times and never spoke to a person beyond a call taker. No supervisor or anything. Ive left 4 messages with a next level and no return call..
Product: Checking or savings account

On XX/XX/21 I received a BoA email confirming a request to transfer {$100.00} to " XXXX XXXX. XXXX. '' I immediately called BoA and advised of the receipt of this email as it was a fraudulent request which I had not made. 
After being routed 4 offices, I landed at the Fraud Office. After I advised this office I had not made a transfer request, that Office advised that the Bank had received customer complaints about these fraudulent requests. In accordance with this office 's request, I forwarded the fraudulent email confirming the fraudulent request to transfer {$100.00} from my checking account. 
Despite having this notice of fraudulent activity, BoA proceeded to deduct {$100.00} from my checking account and charged a {$3.00} service fee, On the evening of XX/XX/XXXX, I called BoA, and after being routed through 5 offices and advising of the facts indicated above, BoA has refused to credit my account for the {$100.00} improperly deducted. 
BoA has not provided information on the whereabouts of the {$100.00} improperly deducted from my checking account. I advised BoA of my desperate need for these funds to pay for my groceries, but to no avail.
Product: Bank account or service

I placed an order for furniture from XXXX XXXX XXXX ( Phone XXXX ). Chase Bank prevented me from using my bank card by setting daily limits. I then placed an order for furniture ( XXXX and XXXX ) with my Chase Bank account XXXX, Check # XXXX. The sales representative XXXX XXXX added a person 's name ( XXXX XXXX ) to the check instead of the furniture store 's name, then cashed the check. Needless to say, he has not delivered the furniture, and he no longer works for the store. I contacted Chase Bank and reported the fraudulent check, and they asked if I wrote it. I told them I wrote it but XXXX XXXX added the name. Chase refused to reverse the transaction despite my complaints. I then called Chase to get the name of the bank the check cleared through. Chase informed me they DO N'T KNOW what bank cleared the check, and DO N'T HAVE have any identity of the person who cashed the check. They refused to refund my money in the amount of {$2800.00}. I want a refund from Chase because not only do refuse to open a fraud case, but they neglected in processing the check. The check was not written to the correct party and Chase has no documented evidence of who cashed the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that has been closed and done with yet it still reporting on my credit report and XXXX is still showing it on my credit report and it reflects bad payments and making it hard for me to obtain a loan for my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT I HAVE IDENTIFIED INACCURATE ACCOUNTS ON MY CREDIT. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Product: Debt collection

I received notification on my credit report that I had a collections account. I submitted a dispute through XXXX, and XXXX and results came back that the collections agency stated the debt was accurate. Company name is XXXX XXXX XXXX XXXX from my credit report, date opened XX/XX/2017. They are stating amount owed is {$1500.00} past due, Term 1 month. I have disputed this account again, notifying them that I have no knowledge of this account, nor did I receive services from XXXX XXXX XXXX TX XXXX which is the name of the company that is listed on my credit report. I asked them to verify the information and they have not properly verified. I was not notified in writing of this account. Requesting your assistance to have this removed from my credit report.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized ACCOUNTS that reporting on my credit report. Since this is a strict violation of FCRA laws I need the ACCOUNTS removed from my file as soon as possible. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the permissible permission used to access my credit report by Experian and XXXX XXXX XXXX XXXX in XX/XX/2017. I have made XXXX ' of this request for over 5 years. But Experian continues to investigate by reaching out to XXXX XXXX XXXX XXXX who then repeatedly replies they are reporting accurately. Whoever is reading this, I wish you would step up and not get involved in your company 's doc shuffle and force XXXX  to send what they used to request permissible permission to access my credit report. Illegally accessing my credit report in XX/XX/2017 led to a fraudulent, forged, loan through identity theft. I need the permissible permission used to fight the forgery.
Product: Credit reporting or other personal consumer reports

Good evening, My name is XXXX XXXX and I am a victim of Identity Theft. 
Unfortunately, two of the accounts that were opened illegally are now negatively affecting my credit and ruining my chances of acquiring a car so that I may commute to work.

Please have KOVO investigate this matter and block these accounts from reporting on my credit report.

I can supply any supporting documents to help prove my case.

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

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove the negative information you reported in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted the credit bureau after I made the complaint through cfvp and they refuse to give me my credit report that refusing me my credit score they told me I needed to send in all sorts of forms of identification approve I was me before they would even give me my score or my report but other people are able to access it constantly and utilize it apparently
Product: Debt collection

DEAR CAINE & WEINER According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

PLACE FOR COLLECTION : XX/XX/2018 CAINE AND WEINER ACCOUNT # XXXX AMOUNT DUE : {$130.00} SINCERLY, XXXX XXXX