23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, 2015 I sent the following letter to Wells Fargo in XXXX XXXX, Iowa requesting detailed information about my escrow accounts : XXXX XXXX, XXXX : Escrow DepartmentWells Fargo Home MortgageXXXX.XXXX XXXX XXXX, IA XXXX Sir or Madam : I request a complete and itemized break down of my escrow payments withheld from my WF mortgage payments going back to the very beginning of our association. 

Please include in your letter ALL escrow you have charged me, including property tax escrow and their individual and separate totals to the present date. 

Please include an itemized and dated list of ALL charges related to escrow of all kinds and any pertinent copies on this subject. 
I expect a reply in letter form within 10 working days. 
Thank you in advance for your time. 

XXXX XXXX XXXX XXXX XXXX, PA XXXX & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; I mailed that letter to Wells Fargo on XXXX XXXX, 2015. 
Federal law states that I have a right to a reply within XXXX working days, XXXX XXXX, 2015. 
On XXXX XXXX, I got a letter from Wells Fargo telling me they would reply XXXX XXXX, 2015. As of XXXX XXXX, 2015 I have not received the requested information PERIOD, let alone within the time limit. 
I demand that Wells Fargo BE SITED AND FINED FOR THIS VIOLATION, and I be compensated for the violation of my rights. Wells Fargo had a long history of illegal violations. The Consumer Financial Protection Bureau has been informed of their practices and have done NOTHING at all.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my credit report to this compliant on the following dates ( XXXX XXXX XXXX XXXX XXXX  ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

To the three ( 3 ) major credit reporting agencies, please remove these accounts from my credit report, I have no relations to the following accounts, no contract, nor any knowledge of these accounts whatsoever. I'm demanding that they either be removed or verified by certified physical documentation. XXXX XXXX dealersvcs {$3600.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$470.00}, please delete the above accounts from my report.
Product: Vehicle loan or lease

Chrysler Financial had my vehicle repossessed on XX/XX/2020. The requirements to get my vehicle back were a payment of {$2500.00} and proof of insurance in 20 days. I paid Chrysler financial on XX/XX/2020 and showed proof of insurance. Chrysler Financial failed to process my release in a timely manner to XXXX XXXX, the third party vendor who needs to release my vehicle and who hung up on me multiple times from XXXX before they closed which resulted in my being unable to get my vehicle back the day I was entitled to get it on XX/XX/2020. Neither company is taking responsibility and illegally have my property.
Product: Prepaid card

I had a Keybank debit card that was issued to me from Illinois XXXX XXXX XXXX XXXX ( XXXX  ) through Key2Benefits in XXXX. The card was never used because I signed up for direct deposits from the state for unemployment benefits. Apparently, the state sent my first unemployment payment of {$1800.00} to the card because I was sent a letter late summer of XXXX regarding unclaimed funds. It stated that if I filled out the letter with my information the money would be mailed to me in the form of a check within 90 days. I was unaware of unclaimed funds before the letter was issued and had discarded the card already, so I took the option of filling out the form and mailing it in. 

After 90 days I still received no check. When I called Keybank about the situation on XX/XX/XXXX, they stated that my account was closed on XX/XX/XXXX, the check had been mailed out in XX/XX/XXXX and I had not reached the 90 day limit yet which would be XX/XX/XXXX. Already this makes no sense but I called back XX/XX/XXXX after not receiving the check and they stated they couldn't do anything about it and the unemployment dept were responsible for it. When I spoke to the Illinois XXXX XXXX they stated that once the money is issued to a Keybank card, they have no access to it anymore and that I had to speak to Keybank about the issue. 

I've spoken to several Keybank agents, none of which were helpful or had an answer for my issue ( some even refusing to help and hanging up on me ) until I get to an agent that claims my account was closed XX/XX/XXXX and that the check will take another 90 days to be issued. This completely contradicts what I was told the week before and now they are asking me to wait another 90 days for a check that should have arrived over the summer. 

I made a complaint with the XXXX  and a XXXX XXXX XXXX, an employee at KeyBank, wrote me back stating the first agent I spoke to provided false information. She also stated that the funds were awaiting XXXX approval XX/XX/XXXX and the funds were received by XXXX XX/XX/XXXX and therefore I should contact them. I spoke to XXXX twice on XX/XX/XXXX and they had no record of what XXXX XXXX stated nor any funds that were supposed to be issued to me. They clearly stated multiple times that if the bank holds the money then it is their responsibility to return it. XXXX has no hand in the situation. Of course I was not satisfied with this but the XXXX  closed the case. I still haven't received my check and KeyBank continues to provide false information. So I am bringing the case here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

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

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

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

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

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX, formerly XXXX reported my name to Transunion CB as delinquent in my mortgage payments to the sum of {$2500.00}. This is unfounded and clearly a fraudulent attempt at having me pay to the company more than is due to them, {$900.00} on a monthly basis for the life of the loan. 

Somewhere in mid XXXX XXXX bought my mortgage from XXXX XXXX XXXX. The agreement was to keep the terms fixed. I have not initiated any transaction and has been paying my property insurance and taxes without issues since releasing them from escrow with XXXX XXXX XXXX in XXXX. 

XXXX immediately started writing to me regarding refinancing the loan, something I had no plans to do as the payment amount works perfectly for my budget. At one point I attempted to make contact with XXXX regarding my husband 's death and change of information on the mortgage but was told by a XXXX agent, " When you are ready to refinance we will have a conversation ''. The very reason it became difficult to contact them, as they were initially hostile. XXXX, however, continued to make contact via mail regarding the urgency of refinancing. I finally returned one letter informing them of legal action if it continued. It stopped. 

The payment of {$900.00} has been the payment since the release from the original escrow in XXXX as stated prior. In XX/XX/XXXX, now XXXX XXXX, XXXX submitted to XXXX XXXX XXXX an increased amount for {$380.00} for a total of {$1200.00}, an unauthorized sum, for processing from my checking acct ( see attached ). The amount was paid to them as XXXX XXXX XXXX claimed it had no way of verifying if the amount was legitimate as they are only the processor of the fund, and I am opining here that this maybe the very reason XXXX sought to pull this off. ( All matters regarding this issue were clarified by XXXX XXXX at XXXX XXXX XXXX on XX/XX/XXXX who made contact for that purpose, having been contacted by CFPB regarding a related complaint filed ). I have further asked XXXX to investigate the payment made on XX/XX/XXXX. 

In response to the XXXX contact, XXXX has refunded the money, {$1200.00} paid to XXXX XXXX, as a part of how this process works for the bank, per the XXXX agent. This means that XXXX XXXX would now be missing the payment for XXXX. However, on XX/XX/XXXX, I made an extra payment of {$900.00} to XXXX XXXX. This extra payment was supposed to fit in for XXXX which I initially thought was dropped by XXXX but has since learned that was not the case ( see attached ).
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a complaint against Experian for its failure to comply with the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681i ( a ) ( 1 ), 1681i ( a ) ( 6 ) ( B ), and 1681i ( 5 ) ( B ). These violations have caused significant harm by allowing inaccurate and unverifiable information to remain on my credit report. To resolve this issue, I am requesting that Experian delete all reports associated with my credit file. 

Details of Violations : XXXX. Failure to Reinvestigate Disputed Information ( 1681i ( a ) ( 1 ) ) : On [ date ], I disputed inaccurate information on my credit report. Under 1681i ( a ) ( 1 ), Experian is obligated to conduct a reasonable reinvestigation within 30 days. However, Experian failed to perform an adequate investigation into the disputed items, resulting in the continued reporting of inaccurate information. 
XXXX. Failure to Provide Results of Reinvestigation ( 1681i ( a ) ( 6 ) ( B ) ) : Following my dispute, Experian did not provide me with the results of the reinvestigation or an updated credit report as required under 1681i ( a ) ( 6 ) ( B ). This lack of communication has made it impossible for me to verify whether my dispute was resolved appropriately.

3. Failure to Delete or Correct Inaccurate Information ( 1681i ( 5 ) ( B ) ) : Despite evidence that the disputed information is inaccurate or unverifiable, Experian has failed to delete or correct this information from my credit report. As stipulated under 1681i ( 5 ) ( B ), Experian must promptly delete or modify inaccurate information, which has not occurred in this case.

Resolution Requested : To resolve these violations and mitigate further harm, I request that Experian : XXXX. Delete all reports associated with my credit file to ensure that no inaccurate or unverifiable information is reported. 
XXXX. Confirm in writing that all reports have been deleted to comply with FCRA requirements. 
XXXX. Implement proper procedures to prevent similar issues in the future. 

Conclusion : Experians noncompliance with FCRA requirements has negatively impacted my financial standing. I respectfully request the CFPB to investigate this matter thoroughly and take appropriate enforcement actions to ensure Experian complies with the law. 

Thank you for addressing my complaint. 

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

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. I need the following to be corrected as soon as possible : 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: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my profiles. The account being reported by XXXX XXXX XXXX is hurting my ability to obtain credit. It is my understanding that you will investigate these accounts for me to ensure accuracy. 

Here are the accounts I am asking you to verify as accurate : Experian : XXXX XXXX XXXX/ XXXX XXXX : XXXX XXXX XXXX/ XXXX XXXX : XXXX XXXX XXXX/ XXXX This item was handled in the Magistrate Court of XXXX XXXX in the State of XXXXXXXX  on the XXXX day of XXXXXXXX XXXX. The claim presented by XXXX XXXX XXXX has been dismissed with prejudice and can no longer be collected upon. This item needs to stop being reported to all of my credit profiles immediately. 
I have attached a copy of the case dismissal from the Magistrate Court XXXX XXXX XXXX. Please remove the following account from my credit reports. Your cooperation and prompt attention are greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federal Protected Consumer Rights to privacy and Confidentiality under 15 USC 1681 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 has violated my rights.  15 U.S. c 1681 section 602 A States I have the right to privacy. 15 U.S.G 1681 section 604 A Section 2 : it also states a Consumer reporting agency can not furnish an account without my written instructions. 15 vis. 1681 c ( aX5 ) section States no consumer reporting agency may take any consumer report containing any of the following items of information any other than records of convictions of Crimes which antedates the report by more than seven years. 15 US. C 16815 2 ( A ) ( 1 ) A person shall not furnish any information relating to. a Consumer to any consumer reporting agency if the person knows or has reasonable Cause to believe that the information is inaccurate. privacy and Confidentiality under 15 USC 1681
Product: Credit card or prepaid card

Chase is not responsive to my report of fraud on my account. They are telling me the fraud I have reported on my card is not fraud - when it clearly is. 

They are then telling me that I have this long manual process to get the charge cleared from my account. I was told I need to reach out to the vendor who charged the card as fraud, who does not have a customer service number & who charged the card without permission, I expect chase to resolve this issue & not place the onus of fraud onto its customers.
Product: Credit card

Complaint against DISCOVER BANK In XXXX of XXXX, I enrolled in a debt resolution company called XXXX XXXX. They enrolled XXXX of my creditors ( XXXX of whom was DISCOVER BANK ) into their program to negotiate my debt down so that I could afford to make payments. XXXX XXXX uses a special purpose account that is created for their clients to pay off their clients creditors. The clients of XXXX XXXX pay a bi-weekly fixed rate into this account. During the year of XXXX, it appeared that XXXX XXXX tried to contact DISCOVER BANK, but did not have success. I am unable to give exact dates as I do not have access to the actual contact attempts between XXXX XXXX and DISCOVER BANK according to a XXXX XXXX Employee. In XXXX of XXXX, DISCOVER BANK served me papers for the debt I owed that was enrolled with Beyond Finance ( {$6000.00} ). I kept Beyond Finance up-to-date with legal documents and proceedings, filed my answer with the court, but DISCOVER BANK still wouldnt work with XXXX XXXX. I went to the court hearing on XX/XX/XXXX to meet with DISCOVER BANKs attorney in front of the judge. As I did not have the {$6000.00} to pay, the attorney offered me a negotiated amount of {$4000.00} to pay DISCOVER BANK, and that we would tell the judge that she and I came to an agreement on our own terms and to proceed with the judgment. When we agreed to our terms I explained that the {$4000.00} would come from my XXXX XXXX special purpose account since DISCOVER BANK is enrolled as XXXX of my accounts. This conversation and the paperwork I signed with XXXX XXXX, attorney for DISCOVER BANK with XXXX XXXX  XXXX out of XXXX, Alabama all took place in the XXXX County Courthouse in XXXX XXXX, Mississippi on the XXXX of XXXX, XXXX. On XX/XX/XXXX, XXXX XXXX  contacted me with a resolution offer from DISCOVER BANK for $ XXXX not the {$4000.00} their attorney and I agreed on. DISCOVER BANK has refused negotiations for months with XXXX XXXX and is now behaving as if they never took me to court. They demanded their {$5900.00} by next XXXX ( 11 months from now ), which is resulting in my biweekly payments with XXXX XXXX going from $ XXXX/2 weeks to $ XXXX2 weeks- or $ XXXX {$1600.00} a month. DISCOVER BANK completely went bank on legal papers drawn up by their own attorney. They harassed me over a course of 5 months ( XXXX XXXX ), causing me to physically lose weight and have physical illnesses- they were requiring me to resubmit XXXX form XXXX separate times because they didnt like how I signed it even though my full social security number and address were on every single form, and every form was signed with my legal name. As a result of this predatory behavior I have been experiencing these last few months, I feel it is more than reasonable to file a complaint against DISCOVER BANK for their harassment of a customer who has ACTIVELY been trying to pay their debt despite constant opposition from DISCOVER BANK themselves.
Product: Debt collection

This company repeatedly made fraudulent calls stating they were debt attorneys and they would be filing suite against me for a debt I did not own. After submitting a complaint with CFPB they stopped calling, but proceeded to put a negative mark on my personal credit. I called them back twice to get ANY information / paperwork that would explain how they fraudulently acquired my social security number to put the derogatory mark on my credit, but they refused to provide me with any.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshots inside this complaint in on dates of [ XX/XX/24 ]. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated to ''Paid as agreed on time '' as they should be due to the fact I was NEVER late. Thanks! 

Please see screenshots attached :
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue regarding the reporting of a late payment account on my credit report, which I believe may be in violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. According to the FCRA, by law I have the right to challenge any inaccurate information on my credit report. 

15 U.S.C. Sec 1681i ( a ) states that if you can not provide proof then the account must be deleted especially when it is inaccurate. I am requesting that this CREDIT UNION 1 account gets deleted. Ive contacted the three major bureaus to investigate every piece of information on the account listed below and I still have not had a proper investigation launched. In addition, in accordance with the FCRA CREDIT UNION 1 has violated my rights : 1. 15 U.S.C 1681 section 602 A, states I have the right to privacy : It also states a consumer reporting agency can not furnish an account without my written instructions 2. Per, " 15 USC 1681 A and 15 U.S. Code 1681i ( 7 ) A- Treatment of inaccurate or unverifiable information is found to be inaccurate or incomplete or can not be verified, ( I ) promptly delete that item of information from the file of the consumer.

I did not give written permission to have these accounts furnished on my report. According to the FCRA 15 USC 1681 everything has to be 100 % accurate. Once again, I am demanding a correction to my credit report by this item being deleted and removed from my credit report.
Product: Student loan

I XXXX XXXX, just received an email from Mohela who is servicing my federal student loan account. I was told that I would be getting forbearance until XX/XX/XXXX. I got an email today stating that my account would begin repayment on XX/XX/XXXX. I am not sure why this is happening. I have documents stating that I in fact have this forbearance until XX/XX/XXXX. I am not sure what is happening with my student loans as I would in fact be in forbearance for another year? I am not sure what is happening with my student loans at this point. I am enclosing some documents from Mohela, I am wondering do I get an additional XXXX months added to my Mohela student loan because the department of education is giving everyone XXXX days additional to the XXXX months that was already approved by Mohela?