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

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Product: Mortgage

Wells Fargo charged illegal fees at closing on things that never happened, as to foreclosure laws in Illinois and lied about fees and attorney fees. Because I was unable to receive a loan modification, I was forced to sell our primary residence. I have included some closing documents With erroneous fees with no apparent reason for them, as the house never entered foreclosure status with Illinois courts. 
I never received any summons which was included in their fees at closing was never contacted by any attorney. 
There is a line item for {$3700.00} for fees with no explanation. Also they charged {$2000.00} for lawyer fees with was over stated as lawyer only charged {$860.00}. Total fees were {$5700.00} for no apparent reason as the house was sold before any foreclosure action was taken.
Product: Mortgage

I have called multiple times, they said they were researching and sent me a digital letter back in XXXX, letter pasted below, clearly it's been over 30 days and there has been no communication since and still haven't received anything. They were great to deal with until the mortgage was paid, now can't even get to anyone, had to call end and act like I wanted a new line just to speak with someone, multiple times. Most said they couldn't help then XXXX transferred me and that is what prompted the letter below, which as previously stated, they didn't even abide by the rules set forth in the letter below, referencing the RESPA. 

We received your inquiry on XX/XX/year>, regarding your loan. 
In accordance with the Real Estate Settlement Procedures Act ( RESPA ), a response will be provided within XXXX business days from the receipt of your inquiry unless we notify you of a 15 day extension prior to the expiration of that 30 day period. However, responses are generally provided in less than XXXX ( XXXX ) days from receipt of the correspondence. 
Please note that during the investigation and resolution of your inquiry, written correspondence, such as billing statements and mandatory state preforeclosure notices, may continue. 
We appreciate you bringing this matter to our attention. 
We hope this information is helpful. If we can be of further assistance with this request, you can email us at XXXX. You can also sign in to XXXX, where our automated chat is available XXXX or you can chat with a live agent during office hours. You can also contact our Customer Service Department at XXXX or via mail at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Our hours of operation are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Sincerely, Mr. Cooper
Product: Credit reporting, credit repair services, or other personal consumer reports

I seen this company on my credit report XXXX XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/year> I.C SYSTEM, INC XXXX XXXX, MN XXXX Re : Dispute of Inaccurate Information FCRA 1681o Civil Liability for Negligence Dear I.C SYSTEM, INC, I am writing to formally dispute certain information on my credit report under Section 1681o of the Fair Credit Reporting Act ( FCRA ), which holds credit reporting agencies civilly liable for negligence when they fail to accurately report information. After thoroughly reviewing my credit report, I have identified inaccuracies that I believe are a direct result of negligence. 

The information in question is as follows : Item in dispute : ACCOUNT NUMBER XXXX Description of the inaccuracy : NEVER HAD THIS ACCOUNT. BLANCE {$950.00} Reason for dispute : This have been reported negligently because there's no evidence of payment history. and the wrong address.I have made reasonable efforts to address this issue with the creditor directly, but the inaccurate information remains on my report. This constitutes negligence under FCRA Section 1681o, and I request that you promptly investigate this matter, correct any inaccuracies, and update my credit report accordingly. 

Please also provide me with documentation confirming that these corrections have been made. 

I look forward to your prompt response within the 30-day timeframe as outlined under the Fair Credit Reporting Act. If I do not receive a satisfactory resolution, I will be considering further actions to protect my rights under this law. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

My student loans were moved to NelNet as the provider. I opted into the " SAVE '' plan but the payments did not lower for me, so for the past month I have submitted requests on their website from my account to change my payment plan. The website has many options for self-serve, but all my requests go un-answered and never change. I try to call but receive messages for long wait times, and even when I wait, I get hung up on.

I need someone to contact me and actually help fix my Student Loan plan before my payment is due on XX/XX/2023.
Product: Vehicle loan or lease

GM Financial is the Lessor of my XXXX  XXXX XXXX VIN # XXXX and lease account # XXXX. This Lessor does not make PAYOFF information available to the consumer/Lessee. THERE MUST BE SOME KIND OF DISCLOSURE REQUIREMENT SO THE CONSUMER CAN KNOW WHAT THEIR BALANCE AND REMAINING FINANCIAL RESPONSIBILITY IS! 

There is NOTHING AVAILABLE ONLINE GM Financial website ), nor in the phone APP. Also, when you call customer service, an automated attendant instructs you to go online and use chat. When you go online and use chat, the agent tells you to go call the customer service number. Round and round. How can it be allowed to block this information from the consumer?? This is game playing, and I believe information that is unlawfully being hidden from the consumer.
Product: Bank account or service

My check was fraudulent from a potential employer. I did not know this before the submission to the bank since I was seeking an employee account. When the bank informed me that the check was a fraud. They then requested documentation of the entity that sent me the check. The next day I went to the original banking center and submitted the documents I had. I asked The representative to call or contact my Credit bureaus and informed them of my intrusion into my finance. the representative then stated " no that 's not my position '' and decline to inform the authorities about my encounter. I further informed Him that this is the XXXX time I have been sited for this kind of fraudulent conduct and he still stated that he would do nothing on my behave or " not his position ''. How can we Americans stop this type of intrusion unless we have better assistance with these needs. Life, Liberty and the Pursuit of happiness comes in where on this matter? Thank You for you consideration on this matter.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

I am formally requesting for your further assistance and to dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. This XXXX XXXX XXXX XXXX Balance : {$4700.00}, should be corrected right away.
Product: Vehicle loan or lease

Fraudulent accounts were opened up in my name without my consent. There were XXXX accounts opened up in my name there are fraudulent. XXXX being a Navy federal auto loan that was opened up in my name I contacted navy federal and advised that this account was fraudulent, the XXXX account was a XXXX account. I submitted my police report ftc report and all other supporting docs that indicate Im a verified victim of identity theft and requested that these accounts be removed off of my credit report immediately.
Product: Credit card

American express has a program called " Amex Offers. '' On or around XX/XX/XXXX of this year I enrolled in an offer for a 50 % statement credit on purchases made with XXXX, up to {$1000.00}. The terms follow below. Around the XXXX of that month I contacted bank to ask about a purchase with XXXX  which posted and never got the credit. They advised that the credit would be issued XXXX weeks after the end of the offer period which is XXXX XXXX XXXX. I accepted this assurance and continued shipping with XXXX in spite of their higher prices, expecting to receive a 50 % rebate. 

The offer period ended and the credit was never issued. I contacted bank several times and was given several different reason why the purchases didnt qualify for the credit per the terms. 

Once I was told only XXXX XXXX XXXX are eligible ; this is a corporate card. That is false. 
Another time I was told that per the terms XXXX XXXX is excluded and I shipped with XXXX XXXX. This too is false. All the shipments were XXXX XXXX or XXXX XXXX which are specifically included. 
A XXXX  time I was told that Bill Payments to XXXX are excluded. In truth, the terms specifically include that : " Offer valid on qualifying shipments paid for [ ... ] or billed to a XXXX XXXX account that is linked to your Business Card. These shipments were billed to my XXXX  account which is linked to my card.
Product: Credit card or prepaid card

Citibank would not reactivate nor issue me a new Government Travel card. Citibank did not honor Local Branch statement by branch Vice President " At Citibank we realize that on an occasionally mistakes happen. We want to assure you that this incident will not reflect on your credit rating or financial history with us. '' My agency submitted the required paperwork to reactivate/reissue a new card along with a copy of this letter. The return item was a minimal amount and was paid immediately causing no past due activity.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 
15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 
433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

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

Transunion keep on saying that the item displayed on my credit report are correct!! The accounts are not a charge off, they were paid off and were not late! I could not believe they did a full investigation on the accounts because they are incorrect!! I asked them for detailed response as to how the investigation went but they provided an XXXX XXXX verification.. Please remove the account asap XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Not XXXX time but several times I asked for the XXXX  to be removed from my credit report because it could not be verified by the XXXX XXXX  but the credit bureaus stated that it was verified by the XXXX XXXX when the XXXX  XXXX states that they do not verify XXXX  to the credit Bureaus. So therefore, the credit bureaus are responding with false information.
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which has led to the appearance of unknown and inaccurate accounts that I have no connection to. As a victim of identity theft, my information was used fraudulently, resulting in these false entries. Following the guidance of TransUnion, I promptly filed a report with the Federal Trade Commission and submitted it for resolution. However, despite my efforts, these fraudulent items continue to remain on my report.
Product: Checking or savings account

Bank of America - Talked to two different locations and they could not help me out. 

Name : XXXX XXXX XXXX DoB : XX/XX/XXXX Phone : XXXX XX/XX/XXXX - fired from my job, given last paycheck. I deposit it in the ATM XXXX and endorse it as well ), and it comes up saying there will be a hold on my account until XX/XX/XXXX at XXXX EST. Ive deposited a paycheck just like this 4 months ago when I first got the job and everything has been direct deposit since. So they have a previous physical check deposit from me just like the one I deposited yesterday so i dont understand the hold and I dont understand why its for such a ridiculously long time ( 13 days! ). Thats a very hard situation for someone who has no future income as of right now. And of course theyll start charging me a monthly fee now since I no longer have direct deposit or make large enough deposits. Their lack of empathy for the lower class is appalling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX cards a validation letter disputing the debt on XXXX. Pursuant to the FDCPA. XXXX cards failed to provide me any evidence within XXXX days that they have a right to collect on this debt. Therefore by law the account is errant and must be zeroed and removed from my credit report. XXXX closed the account but failed to zero it and also reported negatively on my credit report. I also sent another round of letters to their headquarters in New York. Still no validation response from them. Also sent letters to all three reporting agencies along with all correspondence i sent XXXX cards saying that the creditor has not validated the debt, the account is errant and needs to be removed by law. The reporting agencies failed to remove the account and follow the law as well. XXXX removed the account at first from my report but then put it back on after the validation time was over. I believe that is also a violation of the law to remove an account and then put it back on.
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 {$190.00}
Product: Student loan

I have scheduled several payments ahead of time so i do not fall behind on my loan payment and Nelnet has stated that my finical institution has rejected them each time. Each time i go and check with my finical institution and they have stated that they do not have a way to do that and that the ONLY reason for it to be rejected is if there is not enough money in the account to process the payment. I have made sure there is more than enough money in the accounts for it to go through. I am trying to do what i am suppose to in being responsible and paying my debt off and this starts with paying the interest first. My interest is accumulating now because i am not allowed to pay more. I have tried to call Nelnet to talk with a representative. I have waited for OVER TWO HOURS to speak with someone when there is no wait time or even a stated wait time for my call to be answered. They have rejected 4-6 extra payments already and i am already fed up with this mess.
Product: Mortgage

There were so many issues with the closing of my loan. First off, the disclosure had the incorrect rate. Then contrary to my request another disclosure showed that I would be receiving cash back at closing. That happened twice ... My frustrating situation was escalated to a loan processing manager- XXXX XXXX . As the disclosure was still showing I would be receiving cash back and the process to get it fixed is quite time consuming once again delaying the closing, he offered me a {$200.00} Visa Gift card to instead apply the cash back towards principal. I accepted the offer to move forward with the loan with the disclosure as it was. This was in XX/XX/2020. About a month after my loan closed I followed up with XXXX to see about the gift card as I had not received it yet. He let me know that it was pending approval in accounting. About 3 weeks later I followed up again with no response ... A month later I reached out again with no response. Another month later I reached out ( XX/XX/XXXX ) and he said he was under the impression the gift card was already mailed out and that he would ensure it goes out that week. Still no gift card after that communication. In XXXX I contacted him again. He wrote that he had reached out several times for my gift card. To this day ( XX/XX/XXXX ) I still do not have the promised {$200.00} Visa gift card. It has been 6 months now since the closing of my loan. I feel I have been falsely promised something I would never receive just so I would agree to move forward with my loan without having the final disclosure updated again. In spite of that, at the end of my refinance I had 5 different versions of my closing disclosure!