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

Heres a description of the situation that you can use when providing information to the credit bureaus : -- - **Description of Dispute : ** I am writing to dispute an account that is being reported on my credit file. The account in question was reported as a charge-off with a balance of {$130.00}. The account was opened on XX/XX/XXXX, and the date of the first delinquency was XX/XX/XXXX. The account status was reported as Charged Off with the most recent update on XX/XX/XXXX. 

**Actions Taken : ** 1. **Dispute Initiation : ** I have formally disputed the validity of this debt with the creditor, requesting that they provide adequate proof of the debt. I also informed them that a mere statement of the account is not sufficient proof of the debt as per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

2. **Cease and Desist Request : ** I have requested that the creditor cease all communications with me regarding this debt. This includes any updates or reports related to this debt. Additionally, I have requested that they remove any and all references to this account from my credit reports. 

XXXX. **Potential Legal Action : ** I have communicated to the creditor that failure to resolve this matter to my satisfaction will result in legal action for potential damages and costs, including statutory damages, actual damages, legal fees, court costs, and punitive damages. The total potential liability estimated in the case of litigation is {$12000.00}. 

XXXX : ** - **Account Opened : ** XX/XX/XXXX - **First Delinquency : ** XX/XX/XXXX - **Account Reported : ** XX/XX/XXXX **Amount : ** - **Reported Balance : ** {$130.00} **Actions Taken by Company : ** - The creditor reported the account status as Charged Off and has continued to report the balance on my credit file. Despite my requests, the account remains reported as a charge-off. 

Please take this information into account when reviewing and updating my credit report. Thank you for your attention to this matter. 

-- - This description provides a clear outline of the situation and actions taken without including personal information. If you need to make any changes or add details, let me know!
Product: Mortgage

End of XX/XX/2018, my mortgage with XXXX was bought by Ditech. 

XXXX sent a wire transfer on XX/XX/2018 - this Bulk Payment was check # XXXX in the amount of {$94000.00} of which {$1700.00} was to be applied to my Ditech Mortage account. Ditech did cash the {$94000.00} but didn't apply the funds to my mortgage account. 

On XXXX I established with Ditech a 'missing payment and verbal dispute '. I was told by Ditech to call in 7 days. 

On XXXX I called and Ditech said they didn't get the {$1700.00}. 

On XXXX I called and the representative at Ditech said I need to send in by US Mail the proof of the wire transfer.
Product: Credit card or prepaid card

Via advertisements in XXXX and XXXX of XXXX, I was offered a credit card with 0 % balance transfers, subject to a transaction fee. On XX/XX/XXXX, I made a balance transfer from my XXXX Credit Card ( not affiliated with Capital One ) to my new Quicksilver Capital One credit card. I am now being charged interest. While I did write to Capital One asking why I am now being charged interest and did in fact receive a letter from Capital One dated XX/XX/XXXX, the letter instructs me to call customer service and provides no further detail. After speaking with customer service representative ( ID # XXXX name : Main ), he told me I have 0 % for purchases and standard terms for balance transfer. This is not what was advertised to me, and it is not what is being advertised today through the online Quicksilver advertisements. Therefore, I write to CFPB for assistance in resolving this switching of terms.
Product: Student loan

I have student loans with EdFinancial Services. I have enrolled in AutoPay multiple times to avoid late charges, missed payments, and to receive the 0.25 % interest rate deduction. I submitted requests on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> and have had no success. I want to be enrolled and get the interest rate deduction backdated to my first request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against Paypal Credit on Saturday XX/XX/XXXX about unauthorised hard inquiries into my account which lowered my credit score from XXXX to XXXX. Hardly had that been resolved than they did another inquiry into my account today on Monday XX/XX/XXXXand it further lowered my credit to XXXX. I need urgent redress as well as per my last prayer. 

The inquiry will be attached. 

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

Contacted the reporting agency twice via certified mail, but the reporting agency ( 1 ) unable to update the negotiated plan ( currently on charge-off status ) with XXXX XXXX XXXX, per the settlement agreement filed with XXXX County Superior Court, ( 2 ) Unable to update the credit report status per settlement agreement with XXXX XXXX, it is settled as all relationship will be terminated, no future relationship will be engaged, all cards will be canceled and delete, including all balance due
Product: Credit reporting or other personal consumer reports

My account with those crediotrs was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote All 3 credit bureaus and they have yet to respond to my certified letters which is in violation of the FCRA. There is information that does not belong to me on my credit report, an they have shown negligence and are causing me financial distress. 

XXXX  has a account that is listed twice that is not mines : 1. California business bureau- {$1500.00}. 
and 2 charge offs on all 3 credit bureaus that are not mines 2. XXXX XXXX- {$160.00}. 
3. XXXX XXXX {$840.00}
Product: Credit card or prepaid card

On XX/XX/22 CHASE BANK, sent an adverse action letter that was false and misleading Information, willingly and knowingly ( which is a crime ) discriminating  against me after a consumer credit transaction for a CHASE SAPPHIRE CARD for {$12000.00}. As I in good faith extended my credit to acquire money on credit as my right as a consumer from Chase Bank primarily for personal, family, or household purposes. Reasons stated for the discrimination  were criteria used to evaluate creditworthiness, internal standards and a qualifying score that are prohibited by the General Rules of CFPB interpretation of Reg B 1002.4 ( a ), which is insufficient, prohibited and discrimination.
Product: Debt collection

XXXX XXXXXXXX obtain a credit card from this company was paying monthly payments seeing that the increasing interest rates contacted the company request the card be unused status and that I could finish making payments representative spoke with stated interest would stop monthly payments would need to be made Timely payments were being made during the pandemic lost of wages second income monthly payments for XXXX XXXX went from {$35.00} up to almost {$300.00} a month call the company tell him I can make small payments could not afford the increase amount monthly start making automatic payments from my banking amount owed kept increasing I've never did business with Midland credit I was told by XXXX  XXXX that they sold the debt to them mid and credit then added their fees
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my debt, I've never opened a credit card with this company. It appears on my credit report I've disputed it several times and it has not been removed. I did not enter into a contract with this business. My credit report states the account was open in XX/XX/2017. It says I owe {$780.00}, I've disputed this account numerous times with transunion it has not been removed. The company that brought the debt and have falsely attached this debt to my credit report is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Product: Mortgage

requested assistance for a first time homebuyer down payment assistance mortgage after taking an 8 hour course for consideration and was told by XXXX XXXX XXXX Branch Manager NMLS # XXXX that she would complete my application over the weekend on XX/XX/2021 XXXX. after weekend had past no communication by XXXX. After informing XXXX I was shopping around for lenders she advised against it for impact to credit. Have not heard from XXXX since then. She goes as far as to say that she has Covid to imply that it has left her incapacitated to assist in completing an application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently disputing an unverified account with Equifax and have asked the following credit bureau to provide me with documentation proving that this debt they claim I owe is actually mine & has been properly verified. I have sent FOUR letters certified mail with return receipt dating back to XX/XX/2018 requesting proper verification of this account they are reporting that they stated in writing is correct and has been verified. Who verified this account? They have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it. ) and under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... ..Promptly DELETE all information which can not be verified. Equifax is continuing to report this unverified account despite the fact they have not indeed provided proper documentation. The law is very clear as to the civil liability and the remedy available to me ( section 616 & 617 ) if you fail to comply with federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Student loan

To whom it may concern : Navient continues to post my check payments late in order to accure late fees and interest. In XXXX NAVIENT put me into forbearance without MY PERMISSION/Consent and they refused to provide me the proof of where I supposedly agreed. I was always making payments. 
I was finally able to have them admit in writing to committing fraud by putting me into forbearance without my consent. ( SEE ATTACHED DOCUMENTS ) Then my monthly payments went to {$200.00} when my Federal Loans were a fixed {$200.00} a month with a fixed 3.375 % interest rate FOR THE LIFE OF THE LOAN! 
This company is so corrupt it is incredible. All the LOAN SHARKING and predatory lending Sallie Mae/ Navient has done and not been held accountable. Just look at how many times this company has changed their name. Maintaining the young people of America XXXXXXXX XXXX XXXX XXXX  when we are trying to pay off our loans and move on with our lives. 

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

i do not recognize this account on my credit report. These account are fraudulent.
Product: Debt collection

Since XXXX of 2023 I have been sending Caine and Weiner letters to validate the debt they say I owe to them. They have not provided me anything that validates the debt per the fair debt collection act. Here are the things I have sent and requested below. 

1 ) An explanation of the alleged account balance.

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, to confirm the amount is correct.

3 ) Documentation that shows my agreement to pay this debt with my signature and my authorization to report this to my credit report. I did not give my consent to you having my information, and any unauthorized use of my social security number is identity theft and will be reported.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that gives you rights to collect in my state.

6 ) The purchase agreement.

7 ) A sworn statement under penalty of perjury to confirm your presence during the alleged debt.

8 ) Demand for you to provide Chain of Custody for account to ensure the financing and hand-to-hand transfers are correct.

9 ) Master Bill of Sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my reports there is a closed account with huge amount of missed payments. THD/CBNA XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA THD/CBNA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Mortgage

Hello, I have requested my mortgage loan servicer Loancare, for mortgage loan number XXXX, provide me the Mortgage Insurance Premium ( MIP ) deletion guidelines and requirements. I submitted my request through their online website and have had no response in the last three months. I know it is law that they at least acknowledge the receipt of my inquiry within a few days and they failed to do that as well. This simple request is being outright ignored by my servicer. By refusing to provide me these guidelines or rules, they are knowingly avoiding my request so they can continue to collect the premiums. Let me add that their website does not have an inbox anywhere. They have my correct email address on file and still have not sent a response. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted TransUnion about the XXXX XXXX Account number : XXXX that was added to my report with out the it being verified I submitted my first complaint in here on XX/XX/2022 it is complaint number XXXX another complaint on XX/XX/2022 where I am detailing the horrible experience Ive been having with this Bureau after the information was verified, according to the Bureau, I reached out to the debt collector and they said that they documented my dispute with The Bureaus and they were NOT able to verify the information and even requested a deletion from the Bureau. TransUnion has since deleted this account however they HAVE NOT informed me that they account was deleted and why even though I have documentation the Bureaus have a responsibility to inform me of the dispute process which they have FAILED to do. Yes the account was since removed but I need documentation on why its being removed, and not a magical removal where they act like the account was never on my report. 
I want documentation as to why and when account # XXXX was removed from my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never laid on my XXXX XXXX Credit card. They reported me as late in XX/XX/XXXX. I paid of the card in full. XXXX XXXX had an issue processing it. I was told this would be updated ... they DID update it.. then it came back on my report ...
Product: Checking or savings account

at XXXX on XX/XX/XXXX, I received a portion of my paycheck on my Chime banking account, as was typical for a tuesday night. at XXXX the same night, a merchant called XXXX XXXX XXXX ( likely named such in order to impersonate XXXX XXXX charged me for a total of {$120.00}, divided into 3 segments of {$60.00}, {$30.00} and {$31.00}. at the time of these transactions I was asleep at my home in XXXX, Florida while this merchant is located in XXXX XXXX, California, somewhere I have never been. the next day I called Chime to try to resolve the issue and they told me it was too soon to dispute the transaction because it was still pending. once the transaction cleared, I called again and filed the dispute. later that day, I received an email that my claim was denied. I was beside myself and exchanged several other emails with Chime to try to figure out what grounds they had to deny my refund. their evidence included the fact that I had previously attempted to dispute the same clearly fraudulent transaction ( very illogical ) and that it was no unusual spending velocity, which is simply untrue ( usually I buy a few things at a time, not spend my paycheck all on one thing ). 
Chimes response was that I can file a rebuttal, but in order to do so I would need to provide documentation that I didnt make the transaction. I have eye witness proof that I was at home that night, not spending money, but I dont see how it is possible for a document to exist which proves that I didnt approve any given transaction. there is no proof or history of me making a transfer, purchase, or transaction in any way similar to the one that occurred with the merchant XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I Have inquiries that I NEVER applied for on my credit report, They include, XXXX on XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX XXXX XXXX on XXXX XXXX XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX  on XX/XX/XXXX. I am a victim of identity fraud and I have a report. These accounts should be removed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been on the phone with Equifax for two hours trying to obtain a login password because their automated login will not forward to me an email to change my password. The problem is there is no way to speak with a representative. I have called 5 different numbers and been through numerous ques. The other two agencies were easy to log into and do what I needed to do.
Product: Debt collection

I was a XXXX XXXX customer, due to lack of service- I was let out of my contract by XXXX ( all documented ) - in XXXX of XXXX. By the time i FINALLY got the return shipping letter ( XXXX ) - all i had to do was return my phones. Again, i was approved via " tier 2 '' within XXXX. I XXXX XXXX the phones back on XX/XX/XXXX. The tracking number is XXXX. It was received on XXXX. I had my friend/also works for XXXX call from the local XXXX store shortly after, and it was confirmed again by him and within XXXX the phones were received. This was documented. I continued to get calls and bills showing a {$1100.00} bill. Now my monthly bill was around {$200.00} and i was never late. The jump was due to not returning the phones. Again, both myself and the XXXX employee called. This was XX/XX/XXXX. Again, the spokesperson said the account showing a XXXX balance. I got another bill and I called on XXXX. Again, told me XXXX balance, but i keep getting bills. The XXXX rep then called on Sun XXXX.. this was an " internal support ''. He tells me this is unfortunate standard practice and it happens a lot- they dont credit the account for returned phones. Due to this call from the XXXX employee ( getting his manager involved too ) XXXX was supposed to have a special appointment call me later that day, their confirmation number was XXXX. I never got a call. 
They sent to collections and now wont discuss it. I've sent an email to XXXX ( the debt collector ) but they are XXXX help and just sent me a copy of the bill. Again, jumping from {$200.00} to {$1100.00} in 1 month. They offered XXXX response to my detailed explanation and have refused to write back. I've also had the same XXXX rep call on XX/XX/XXXX, but they wont discuss the account due to it being " charged off '' I would like this complaint against XXXX XXXX and XXXX. The reference number from XXXX is XXXX. I messaged them on XX/XX/XXXX, XXXX XXXX all they did was send me a copy of a bill.
Product: Credit reporting or other personal consumer reports

XXXX GLOBAL LENDING SERVICE XXXXXXXX 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 ALL OF THE ABOVE ARE USED XXXX XXXX AND XXXX XXXX XXXX. THERE IS NO WAY MY CREDIT SHOULD HAVE BEEN RAN IN ONE DAY! ALL THIS HAPPENED ON XXXX XXXX YEAR OF XXXX. I HAD MAYBE TWO COMPANIES TO RUN MY CREDIT BUT SEEMS LIKE IT'S BEEN SHARED. I WOULD LIKE FOR THIS TO BE RESOLVED BY HAVING THESE " PULLS '' REMOVED FROM MY REPORT.
Product: Credit card

Sent XXXX bank drafts to Synchrony Bank for payoff of XXXX separate accounts. Each check clearly indicated the last XXXX digits of the account they were to payoff. XXXX checks were properly credited, the third was not. Have made numerous phone calls and faxed copies of the cancelled check to the bank. The cancelled check clearly indicates the check was received and cashed on XX/XX/2016, well within the payment due date of XX/XX/2016. However, it was not credited to my account. In fact, they have added interest and late fees to the account and refuse, despite receiving proof that they cashed the check, to credit my account. Any help you could provide would be appreciated.
Product: Consumer Loan

A merchant opened an account under wells fargo retail services when he mentioned that a bed was a trial basis and nothing would be charged unless i decided to keep the bed. He then ensured that the bed would be picked up and nothing would be charged. I monitered wells fargo and there was in fact an account opened and charged with XXXX. When disputing with wells fargo they took a long time just to tell me 2 days before the 90 day trial that i had to send the bed back if i wanted a refund. The issue is why did they open an account without my consent? Wells Fargo said I signed i said no they told me that was just to see if i qualified. i feel robbed. Now I have to pay for something that is not even woth XXXX dollars. I have never dealt with such type of business or bank.