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

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Us Bank closed my credit card in retaliaition for reporting them to your agency. They have also denied my request for past statements, lied about the true balanced owed, lied about payments received, and lied about not receiiving documentation related to several disputes. 
I want the following charges outlined in the attachment removed from my account. I am also notifying experian of the retaliatory actions taken against me and a long trail of false statements provided to me by us bank as related to payments received, documents, and emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, i have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681. And they violated my of times. i damand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

XXXX Account Number : XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Discover Card XX/XX/XXXX & XX/XX/XXXX When attempting to make a greater than minimum payment on my account, Discover stated that if I paid greater than the minimum payment that my ENTIRE BALANCE would become due. 
I contacted Discover and have their reply that " We are not seeing this error. '' I have screen shots that prove this. I had previously contacted them ( prior to XX/XX/XXXX )  and this has not yet been resolved. 
I again today attempted to make a payment and received the same notification. 
This alarms me that they will ONLY accept a minimum payment and not allow me to pay off my account faster. 
Additionally, if a customer missed the statement that their entire balance is due they could face undue financial distress should Discover automatically withdraw the 'Balance Due '.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying unsuccessfully to obtain an EFIN from the IRS needed for my employment. To get this number, I must submit the last eight digits of a credit card number for an account that I hold. I have only one credit card. When I correctly enter this information into the IRS form, I am informed that the number does not correspond with the credit card number in my Experian credit report. I can not see the last eight digits of the credit card number on my Experian report, but I can see the first six numbers and they are incorrect. I have done my best to notify Experian that the information about this account is incorrect, but I have had no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a security breach with XXXX my privacy information was used to place hard inquiries on my credit report. I asked XXXX to provide me with documents that I approved authorization. On XX/XX/2023 I spoke with XXXX of XXXX that refuse to remove hard inquiries on my credit report that I did not authorize. 15 USC code 1681 b states that credit needs to be adequate when reporting. I am asking that cfpb look in the wrong doing of XXXX. If XXXX can not provide me with a handwritten signature please inform them they must remove inadequate information.
Product: Mortgage

According to my understanding of the Homeowners Protection Act, PMI should be removed from my mortgage payment when my loan to value reaches 80 % or less. Currently, my loan balance is XXXX, and my home value according to XXXX, is XXXX. That puts my loan to value at approximately 48 %. My current mortgage company refuses however, to remove the PMI from my payment. The response from XXXX XXXX XXXX, customer support associate, is that " per FHA regulations, as the loan was assigned an FHA case number after XX/XX/XXXX the annual MIP will be automatically terminated when the loan is eleven years old, which will be on XX/XX/XXXX. The mortgage was first originated all the way back in XX/XX/XXXX/XX/XX/XXXX, and has been sold/resold several times since then. I also refinanced back in XX/XX/XXXX with XXXX XXXX XXXX, and then the loan was sold to M & T bank who has it now. So, what is correct the Homeowners protection act or M & T bank?
Product: Mortgage

I applied for a loan with mortgage lenders of america with loan officer XXXX XXXX went through whole process pre approval, finding a place, paying for inspection, given earnest money, and paying for appraisal one week before closing date my application was denied because of something in my credit report but they pulled my credit before we begun the process so they already knew what was on there
Product: Credit reporting or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.
Product: Credit reporting or other personal consumer reports

I have unknown inquires on my report. They are : XXXX XXXX date XXXXXXXX XXXX XXXX XXXX  date XXXX, XXXX date XXXX, XXXX date XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$4100.00} Charged off XXXX XXXX XXXX Date Opened : XXXX Balance : {$22000.00} Charged off XXXX XXXX XXXX  Date Opened : XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XXXX Balance : {$530.00} Late/Open XXXX XXXX XXXX Date Opened : XXXX Balance : {$26000.00} Late/Open
Product: Student loan

Federal Student loan debt is is {$190000.00}. These loans have been in XXXX status since XX/XX/XXXX. 

There was a class action lawsuit filed against Navient ( Formerly XXXX XXXX now XXXX ). According to navientagsettlement.com, Navient was ordered to pay restitution and cancel loans for its unfair and deceptive servicing and collection practices as formerly being XXXX XXXX and other predatory practices. According to the Navient XXXX XXXX XXXX website # 4 " Who is eligible for restitution relating to federal loan forbearance steering? ", Generally, borrowers are eligible for restitution if they : >Resided in a restitution-participating state and were serviced by Navient as of XX/XX/XXXX ; >Entered repayment on a Direct or FFEL Program loan before XX/XX/XXXX ; >Had at least one federal loan that was eligible for income-driven repayment ; >Had at least two years of consecutive verbal or administrative forbearance between XX/XX/XXXX and XX/XX/XXXX, where at least one of the forbearances was entered through a phone call, and where at least half of the forbearance time was prospective ( i.e., not used to bring a past-due loan current ) ; and >Did not enroll in income-driven repayment prior to the forbearance period. 
>Eligibility for a federal loan forbearance steering payment is not affected by the transfer of servicing to XXXX. 

Although I qualify, I was not sent a postcard, letter, or email of any kind from Navient. Upon calling Navient XXXX XXXX XXXX hotline, there was no record of me in their system or database. The loans have been in XXXX ( income-based repayment ) and/or forbearance since XX/XX/XXXX. I was told to start making complaints, etc. I was not supposed to be left off of the list according to XXXX ( Supervisor ) at Navient XXXX XXXX ( XXXX ), but there was nothing they could do. I am struggling to pay these loans is an understatement.
Product: Credit card or prepaid card

My credit card payment from discover for {$6000.00} has not been credited to my bank of america credit card account. Bank of america cashed the check on XX/XX/XXXX which is endorsed on the copy of the check that discover sent me. I called XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. Bank of america would not open a claim until XX/XX/XXXX when I had a XXXX way call with XXXX. They refused to talk to discover directly I then called XX/XX/XXXX and they told me to call back following week to expedite the claim. I called back XX/XX/XXXX and they finally expidited the claim. I called XX/XX/XXXX and they said the claim was resolved on XX/XX/XXXX but the money still wasn't in my account so I was told it would be in my account in 2 days. I still don't have it in my account today so I called today and was told a letter was sent that they reopened the claim. This is unfair and they are making interest on this money and on me. I've wasted probably over XXXX hours on this. This is wrong and ridiculous that it is not solved yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

TFS has yet to remove a 30-day late payment on XX/XX/2021, I have tried to present the statement showing the error on their end where they made a mistake, but the chages were never made and nothing was updated. In XXXX, it will say updated but 30-day mark was never removed.
Product: Credit card or prepaid card

Most credit card issuers do not generate monthly statements ( mail out and paperless ) XXXX ) the account has {$0.00} balance, 2 ) if there are no transactions ( purchase or payment ) on an account in the billing period. This is ok. 

However Citibank started a policy ( XXXX XXXX? ) of not generating a statement ( mail out and paperless ) if there are no purchases on a credit card during the billing period. 
If there are only payment transactions - no statement. 

I recently paid off a credit card ( initial balance of ~ {$6000.00} ) in two payments during a billing period in which there were no purchases. For this billing period and subsequent periods Citi will not issue a statement showing the payment transactions and subsequent {$0.00} balance. 
The payments to pay off the account are also not included in a payment history which is quite troublesome as the account balance is shown to be starting at XXXX $ XXXX and ending at {$0.00}. 

In many regards I think this is not providing the consumer XXXX customer ) with documentation that may be required in future disputes to prove the account was paid off. I use electronic bill pay so I haverecords of my payments to Citi but they refuse to provide a statement with only payment transactions on the account. I use electronic statements so this is not about wasting paper. This policy was adopted by Citi in XXXX XXXX - XXXX XXXX time frame.
Product: Credit reporting or other personal consumer reports

I wish to dispute an inaccurate derogatory item on my credit report that has potentially harmed my credibility. I have identified several mistakes and inaccuracies in your reporting. Please review and promptly remove these errors, ensuring compliance with all relevant regulations, laws, and reporting standards. This challenged information must be
Product: Debt collection

I received a alert on my XXXX credit report that I was flagged in collections for {$860.00} I call the number provided and talked to a guy by the name of XXXX XXXX he stated that I had an account from XXXX XXXX I explained to him that I never had XXXX XXXX XXXX account from XXXX  XXXX and he told me we can handle it for {$400.00} he also said I lived at XXXX XXXX XXXX and they sent letters to a address that belonged to me that was XXXX XXXX  XXXX XXXX XXXX ga I let him know I have never lived there that I lived at my current address at those times I asked for a contact at witch he said he cant provide that there was no contact he wanted me to send him my Id and other information I then again explained to him that they had the wrong person Ive never lived in those places that I lived at my current address at that time and that I received disability and cant afford XXXX XXXX.That they have the wrong person.
Product: Checking or savings account

On XX/XX/2023 I called Wells Fargo and explained to them that someone had stolen my phone and had all my banking details and mobile walkers and were going XXXX around taking money out and that my phone had went missing a week or XXXX prior to me making the call and once I realized they were in my accounts I called and reported it and made a police report with XXXX police department about the people in my accounts and paying people through pay pal and also using my phone to take money out at stores etc. Wells Fargo gave me a temporary credit for what was lost and then upon the investigation found I was at fault and reversed the credit which made my account go to negative XXXX dollars where it stands today. I did everything I was supposed to do in reporting. I XXXX was not at all responsible. I need help because Wells Fargo said theres nothing I can do even if I made a police report. This has made my Wells Fargo account in a bad way and Ive been a loyal customer for 14 years. I would like my credits back to my account
Product: Vehicle loan or lease

Lender : Pentagon Federal Credit Union The bank repossessed our XXXX XXXX XXXX. Even after the bank found evidence that our car had a repayment contract and the information was filed incorrectly, the memo was sent to management within the bank and the repossession department, the supervisor stated that we have to repay {$1500.00} to get our car. The bank/lender failed to file our paperwork in the accounts correctly. We made a payment towards the repayment contract on XX/XX/XXXX. My husband calls the bank every month to pay and update the records and we were not notified of any potential for repossession. We were told everything was good and set for our cars after using the repayment contract called a BUMP program at Pen Fed. I have proof of emails sent and the contract we entered with the lien holder, and was notified that it was not supposed to be up for repossession. 
Please help. 

Sincerely, XXXX and XXXX XXXX.
Product: Credit card or prepaid card

Capital One Credit Cards Capital One practices credit discrimination against women. 

I had a Capital One credit card for over ten years and could never get a credit line more than {$700.00} even though my credit score is over 700. I paid this card off. 

My XXXX has a separate Capital One Credit Card. I called to get the interest rate reduced as they will only reduce interest for 7 months at a time then you have to request another interest rate reduction. His personal card interest was reduced from 21.99 % to 17.9 %. A week later without asking, this Separate card line of credit gets automatically increased by {$1300.00} We have a Joint Capital One Credit Card, I asked for an interest rate reduction on this card that I use and they would only reduce the interest from 24.65 % to 20.65 % for 7 months. I asked why is that both credit cards can't be at the same 17.9 % and their answer was it's based on the credit score when account was originally and that they never pull new credit scores to give you a better interest rate. NOTE : This card was not offered a credit line increase. 


I think Capital One 's records of credit offered to women need to be reviewed for discrepancies in credit offered to men. This would be to show the difference in Line Of Credit and interest rates offered to both.
Product: Debt collection

XXXX XXXX XXXX has reported this paid debt to my credit report without notifying me of the debt. They have an incorrect mailing address and will not send me notification of the debt despite me contacting the company to provide my correct address. I have paid the debt and submitted verification of this to them and the previous debt collector on this account, Sunrise Credit Services. Sunrise Credit Services knowingly sold a paid debt to another debt collector!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this account that is not mine and i want it to be removed. 

1. Identity Theft XXXX ( Original Creditor 05 XXXX XXXX  ) Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this fraudulent loan and fee balance off in XXXX. They reported to credit agencies in XXXX that I did not pay in full. They also reported untrue information about my payment history, making my credit score drop 83 points! I am also filling another complaint about the fraudulent loan practices and so called late fees this company engages in that have ruined my credit in the past. This company need to be investigated for its dishonest practices.
Product: Checking or savings account

Hello : In XXXX I had my mail stolen from my mailbox. I followed the police instructions, went to my bank ( Chase ) and closed my accounts and opened new ones. 

During that process, I had multiple fraudulent transactions which I had to deny. I also dug into my past transactions by signing up for online banking. I found 3 questionable transactions that I brought up to Chase and the Police. Two were quickly explained a way - a funds transfer to a wrong account that was still owned by me and a fraudulent transaction that Chase had credited me for the next day without notifying me. However, one fraudulent check for {$4100.00} was clearly an issue.

I filled all the paperwork with Chase and the police. In XXXX, my request for refund was denied by Chase because I hadn't notified them within 60 days of the transaction. I petitioned this denial citing that I didn't have on-line banking at the time, had been out of town a fair but and wasn't notified of the previous fraudulent activity that Chase had resolved without notifying me. Today, XX/XX/XXXX, I was told by Chase representative that my petition had been denied and that they would not be reimbursing me for the fraudulent activity. 

The fraudulent check had my banking information on it but was otherwise not my check- it didn't look like my checks at all. And it leveraged an older check # that I had previously used. Neither of those things were caught by Chase. My paper statements didn't show the check or the name of the person it was written to. I didn't know how to go on line and see the check image. I have lots of checks for my business and I missed this. 

I would like some help trying to get my money back. Thank You XXXX XXXX
Product: Debt collection

Recently got credit report notice a collection on my account. For the amount of {$890.00} from ACcount Resolution a service - I spoke with a rep they stated that it 's for XXXX XXXX - my son a bill from XXXX 2012. I advised the rep that my son has state insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Account # XXXX XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing this letter because I noticed that my credit report contains late payments reported on ( XXXX XXXX XXXX XXXX for my SELF/LEAD BANK Account, I want you to know that I understand my financial obligations, and if it werent for the pandemic of covid-19 and the loss of my grandmother through the virus, Id have an excellent repayment record. I made a mistake in falling behind, but before then, Ive had a spotless record of on-time payments. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments. 
Thank you for your consideration, and I hope youll approve my request. 
Best, XXXX XXXX XXXX