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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  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 am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion and XXXX. 

Please delete the following accounts : XXXX  XXXX XXXX Account Number : XXXX Balance : Balance : {$5400.00} XXXX Account XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$6300.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7700.00} XX/XX/XXXX
Product: Credit card or prepaid card

I just saw an inquiry on my credit wise account. I am out of country and I didnt apply for any kind of loan or credit card..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Cease and Desist Demand and Request to Correct Inaccurate Reporting To Whom It May Concern : I am writing to formally demand that you immediately cease and desist from reporting inaccurate information on my credit report. Specifically, the information in question includes a derogatory mark of XXXX XXXX, as this account has been closed, yet it still keeps recurring on my credit report. XXXX XXXX XXXX XXXX XXXXXXXX, Account type Credit Card, has been charged off, yet you still are reporting this account as OPEN. These inaccuracies have cause significant harm to my creditworthiness and financial stability. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 et seq., I have the right to dispute any information that is incorrect, or unverifiable, and I expect a timely and thorough investigation. Despite previous attempt to resolve these inaccuracies, they remain unaddressed, which constitutes a violation of my rights under the FCRA. 

Furthermore I am aware that XXXX an Equifax is currently being sued by the Consumer Financial Protection Bureau ( CFPB ) for noncompliance with the FCRA and other consumer protection laws, including mishandling consumer disputes and providing misleading information. This lawsuit highlights XXXX 's ongoing failure to comply with legal obligations to correct and report accurate information. 
As part of this demand, I request the following ; I'd like a Forward Flow Agreement. I'd also like a Chain of Assignment. 

1. Immediate correction from all bureas or removal of the inaccurate information from my credit report as required by 15 U.S.C 1681i ( Investigation of Disputed Information ) 2. Cease and desist from any further communication with me, except as required by law or to confirm the resolution of this matter.

Failure to address this matter within thirty days of receipt of this letter will leave me no choice but to escalate my complaint to the CFPB and pursue any additional legal remedies available to me under the FCRA. 

Please provide written confirmation of your compliance with this demand with the stated timeline. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

RE : Fifth Third Mortgage # XXXX My home mortgage is with Fifth Third Bank and my Checking account is with XXXX XXXX XXXX. My XX/XX/XXXX mortgage payment was processed and posted to my checking account on XX/XX/XXXX. Fifth Third bank applied the credit to my mortgage account but reversed it on XX/XX/XXXX because they said it was returned by XXXXXXXX XXXX. Fifth Third bank told me to send them my bank statement showing the transaction was posted to my checking account. I did and Fifth Third bank sent a letter stating that my request couldnt be processed until I submit further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, Experian andXXXX report this account as 60 Open/Late - XXXX and XXXX for two consecutive months which doesn't make any sense..Please remove the late payments reported on the accounts. I wasn't late on the month which credit bureaus report..How can an account be a charge off with balance? This is ridiculous.. Please fix the accounts and update it the correct status on
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize these companies as companies I applied to for credit cards or loans recently or at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in documentation and an FTC Identity Theft report to Experian to remove an account ( XXXX ) from my account because it was the result of fraudulent activity and identity theft. They have not removed it, which is in violation of my FCRA rights.
Product: Payday loan, title loan, or personal loan

After I made a payment every month, regardless of how much was paid, my account would show I owed {$0.00} cents. I would make an additional payment, and my account would still reflect this error. My account started to show as Late and Past due. I had to call customer service and spend hours on the phone, speaking to supervisors and different representatives for them to fix the issue. Once the issue was fixed, the following month I would make a payment and have the EXACT same issue, having to call over and over to have it fixed as the first agent would promise it would be fixed and my account would continue to show late for 60+ days. This happened THREE times before the {$0.00} cent error hasnt happened again, crossing fingers. Upgrades representatives and supervisors assured me the late payments would be removed and updated on my credit report, and one has been, but two remain. My XXXX report shows one late on XX/XX/XXXX and one on XX/XX/XXXX. Despite the supervisors and resolutions teams promising they would be removed. 
This has been super stressful, having to call numerous times and wasting so much of my own personal time between work and school. 

Background : XXXX ( XXXX call center supervisor ) advised late payments would be removed by XX/XX/XXXX will receive a phone call by tomorrow XXXX never received. I then sent emails to contact @ upgrade.com. 
Yet to receive a call, I called them again on XX/XX/XXXX spoke with miles in XXXX. I was advised that the supervisor wasnt available but XXXX in resolutions would be reaching out tomorrow XX/XX/XXXX. On XX/XX/XXXX XXXX called and advised that the credit collection forms were submitted to remove all late payments, and my credit report would be updated within XXXX days ( XXXX time I was advised of this ).
Product: Checking or savings account

I completed this XXXX and outdated verification portion when I opened my account and have had no issues since then up until yesterday at my mechanic. I attempted to pay for services and the transaction declined. Now Citi is telling me to wait 7-10 days AGAIN to verify myself after never changing my phone number. That costs me another {$1000.00} in fees to pick up my car!!!!!!!
Product: Credit card or prepaid card

Due to medical issues, I had to stop working in early 2019. I was without income from the beginning of XX/XX/2019 until XX/XX/2019, when I received my first social security payment. 
I was unable to make some payments during that time. I can only afford to pay {$50.00} per month and want to close this account. Macy 's has charged me {$38.00} per month late fees on a {$160.00} balance, so only {$12.00} of my {$50.00} payment is being applied to pay down the account. I called and they took off {$76.00} so the new balance is {$91.00}, but They will keep adding the {$38.00} late fee and they won't change my due date to the end of the month ( which is when I receive my social security payments ) and their hardship department won't work with me.
Product: Vehicle loan or lease

Credito Real USA or AFS Acceptance whoever they are very deceiving and they're XXXX XXXX. They call non stop all day long from va5rious different phone numbers. They use Robo calls, they even call and stay silent and hang up the phone. They even have private delivery people to bring letters to my home. Not via USPS, it's hand delivered like I've been served. I've explained when I lost my job that I will be struggling to make payments. If they check my record after I stopped working that is when I fell behind. I do mu best at making payments, sometime doubling up in one month. However that is not enough for them. I even asked if I can break my payments in half to help me manage, but I was told no because their system doesn't recognize partial payments. I would still accrue interest fees until the payment is made in full. On top of all of that my interest rate is over 24 %. That alone should be illegal. I tried to refinance to have lower payments and get them off my back, but due to the way they report to the credit bureau 's has my credit all messed up. I just want them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT GIVE WRITTEN CONSENT FOR MY INFORMATION TO BE PUBLISHED ON MY CREDIT REPORT In accordance with the fair credit reporting act, the following creditors have violated my rights XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... ... ... .. account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accoun t XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, Department of ED/XXXXXXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX. 15 U.S.C. 1681 Section 602A states I have a right to privacy. 15 U.S.C Section 602 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

SPS is trying to XXXX  XXXX and I via XXXX XXXX XXXX  = 18 USC 1341/1342 VIOLATIONS. We have no contracts with SPS, proof of MORTGAGE FRAUD by XXXX XXXX and XXXX XXXX has no rights to Sell, Collect or Foreclose = SPS is caught in Multiple Federal CRIMES, XXXX and XXXX XXXX with employees using XXXX Of Law and Grammatical Deception to try and steal property no man, woman or CORPORATION lent money towards. 

Our Identities have been stolen by SPS Employees who created a new loan and account without a Contract = Need their XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX threatening to Foreclose when no one has STANDING to even Collect. 

I have the DUNS Numbers for SPS and XXXX XXXX XXXX who already dealing with a lawsuit for Wrongful Foreclosure by XXXX XXXX. You can't use XXXX Of Law Excuse to cause Loss, Injury and Harm via XXXX XXXX XXXX... if SPS tries to send a man with a XXXX to my house to XXXX XXXX or threatens to Auction my Domicile = XXXX XXXX 100 %, any XXXX  makes SPS and the Employees involved LIABLE. You men and women who ACT as Service Corporation Employees are not above the Law Of The Land/U.S.A. XXXX and don't own us via XXXX XXXX XXXX 

SPS sent a Threatening letter after Receiving my NOTICE OF LAWSUIT AND DEBT Validation Letter = Per XXXX XXXX. XXXX ( c ), I am exercising my right to DEMAND/ORDER that SPS cease and desist from all further contact with me regarding this alleged debt that's not Valid, Legal or Lawful to Enforce, it was created via Identity Theft. 

Provide A copy of the original contract or agreement that shows I am obligated to pay this debt and Accounting records proving there's a Lender or SPS has no STANDING to enforce anything. 

SPS is caught in major XXXX and XXXX. 

SPS is claiming to be a Lender and Servicer = Not Possible unless there's Fraud and Double Dipping going on ... matter of fact they are caught in XXXX XXXX. According to XXXX Servicing rules you can't treat the DEBT as a LOAN and STOCK, that's Double Dipping = XXXX XXXX and SPS are caught red handed in Fraud. The Foreclosure Defense Handbook pdf attached exposes the National FRAUD and my Securitization Audit backs the book plus my Research of Grammatical Deception on all Contracts = FRAUD = Vitiates Everything. 

Provide the contract or I demand my Compensation for this XXXX and Mail XXXX.
Product: Credit card or prepaid card

XX/XX/2023 i lost my wallet at the train going towards XXXX XXXX, inside was cash, ny driver lic and aspire credit card ending in XXXX, someone purchase a phone line in XXXXXXXX XXXX for the amount of XXXX dollars, which they open by using my driver license and credit card, i dont have a XXXXXXXX XXXX account, credit card company wants me to pay the full amount.
Product: Credit reporting or other personal consumer reports

I am following up on my previous dispute regarding the inaccurate and unverified information reported on my credit file under the Fair Credit Reporting Act ( FCRA ). To date, I have not received a sufficient response confirming compliance with data reporting standards and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX guidelines.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the recent experiences I have had with your institution in attempting to open account. My name is XXXX XXXX, and I have been a long-standing customer for several years, which is why my recent experiences have been particularly disappointing. Over the past, I have made multiple attempts to open new accounts with your institution. Unfortunately, all of these attempts have resulted in significant delays and inconveniences, which have caused me great frustration and concern. The initial application process for opening accounts was straightforward, but I found that there were significant delays in receiving updates and responses from your customer service team. I often had to follow up multiple times before receiving any meaningful communication. On several occasions, I was informed that certain documentation was missing or incomplete, which further delayed the process. This was despite my best efforts to provide all required documents promptly. The repeated delays in opening the accounts have caused me considerable inconvenience. I had to reschedule important financial transactions, and the uncertainty surrounding the account openings has been a source of stress. 

I understand that unforeseen circumstances can sometimes lead to delays in banking processes. However, the frequency and severity of the issues I have encountered are not in line with the high standard of service. As a loyal customer, I believe that it is essential for your institution to address and rectify these issues promptly. 

I kindly request that you investigate the matter thoroughly and take appropriate actions to prevent such issues from occurring in the future. Additionally, I would appreciate it if you could expedite the process of opening the accounts that are currently pending, as the delays have already caused me significant inconvenience. 

I value my relationship with you and hope that this issue can be resolved promptly to restore my confidence in your institution 's services. I would like to outline the issues I have encountered about this late open account : XXXX XXXX Balance : {$170000.00}.
Product: Vehicle loan or lease

When applying for this auto loan I applied for a commercial auto loan for my business. I was told that US Bank needed me to be guarantor on the loan since I am an owner of the business. I agreed because I do all my banking and have another auto loan with them. When my first payment came due I was unable to make the payment because the US Bank advised me the loan was entered under the wrong EIN number, the dealership never actually ran my business credit and instead pulled the UBI number from the state website. The UBI number was never provided by myself or authorized to be used. I provided the dealership with the correct EIN on multiple occasions under the impression that I would get a good rate because of strong business credit. This loan not only had the completely wrong and unauthorized number used to gain bank approval, I never received any documentation via USPS because the dealership also entered the wrong address. I am 4 days past the payment date, I have called approximately 30 times from XX/XX/XXXX-XX/XX/XXXX and never received a resolution. I requested the dealership send the US Bank representatives phone number and they refused. I was told the rate doesn't matter and won't change based on credit. This of course is inaccurate and not true. I spent 3 hours at the dealership on XX/XX/XXXX and received no answers or resolutions. I have requested the loan be terminated and I will purchase a car elsewhere. This request has not been satisfied.
Product: Mortgage

I filed the complaint already on XX/XX/XXXX on your website for the crazy horrible experience on chase mortgage. On XXXX, a Chase person called XXXX called me by leaving a voice message saying she would investigate and get back to me. I called back and tell the person who answered the phone that I could be reached by text msg or email. After being tortured by Chase for 4 months by wasting me so much time, energy and anger, I thought finally someone would help to solve the problem. However, it had been 7 days and nobody ever contacted me again. 

It is a very simple thing. Why does it take so long and nobody responded to me? When I filed a complaint here on other mortgage company, they would be very respectful and responded fast to solve the problem for me asap no matter how nasty they were before my complaint. Chase is a horrible horrible outlier. I have no idea what is wrong with this company. 

Again, the original complaint is : I wanted to remove PMI on the morgage since my XX/XX/XXXX. Chase insisted to send me a physical mail with a form to let me sign in order to allow them to do a house value appraisal before removing the PMI. I had paid for the appraisal over the phone but they still required me to sign the form to agree on doing this appraisal. However, THEY NEVER SENT ME the letter till now!!!! First time, I found they used the wrong address by missing my apartment No. The women promised me she corrected the address to send it the letter again. However, I still did not receive it. I had to call again and found out again they sent out the letter without my apartment No. I asked them to send the letter again. After their second failure on sending the letter, I also tried to get their email with the form, but their passwords for the file was always wrong!!! How terrible is their technolgoy in such a big company? Till now, I never received the letter!!!!! I HAVE BEEN PAYING PMI EVERY MONTH and NO HOPE TO END because of their incompetent and delay!!!! It is insane and unfair! My husband was able to remove his PMI with Chase without signing such a form from a letter. Instead, he just paid for the appraisal money over the phone and get it done and removed PMI, but I had to go through this crazy trouble!!! I called many times for getting the mail. They never showed any apology or guilt for the mistakes and delays they had made to torture me and waste my money to keep paying PMI for so many months. My loan was sold to Chase by another mortgage company. It is not my choice! This is called Monopoly and these people are nasty and heartless!!!! 

Now even after complaining here, they still don't care to work on it to solve the problem for me!!! crazy!