23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person
Product: Credit card or prepaid card

We received a visa card in the mail from Opportun along with a letter stating they had changed our address from our ( correct ) previous address to our new address. We did not apply for this card, we do not want this card. We cut it up and never used it. We began receiving bills for monthly fees and now have a balance due of {$96.00}. on XX/XX/22 we contacted them and after lengthy conversations with many different customer service agents, we were told the card had been cancelled and fees reversed ; however, yesterday we received a new bill with additional fees.
Product: Credit reporting or other personal consumer reports

I requested to opt out of all reporting from Lexis Nexis. The rejected my request. I will provide all documentation to authenticate my identity and opt out of their reporting.
Product: Mortgage

I requested that my homeowners insurance be removed from my escrow account as I got a substantial discount for paying in full myself. I was told that I do not meet the required loan to value ( XXXX ) and was denied. They stated that XXXX XXXX  uses the original appraised value. I provided them with the original appraisal dated within a week of the loan origination and they denied it stating the original appraisal is the loan origination amount. I researched this on the XXXX XXXX  website and that is inaccurate. The original appraisal is the actual appraisal done for the loan origination, which I have and shows that I more than meet their requirements. I was again denied via a pre programmed letter and my request to speak with a manager and to see the appraisal they were using were ignored.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/year>
Product: Checking or savings account

Hello CFPB, I am writing to file a complaint against JP Morgan chase. I opened a joint account with my husband on XX/XX/2022 where we deposited some cash and 4 checks totaling roughly XXXX. On XX/XX/2022, we received a letter claiming that our account was going to be closed soon. We went to a branch the next day, and no one was able to help us as they claimed this was with another department. We kept trying to reach chase customer service and were not able to reach anyone who can provide us with information. Finally, we learned that they were holding funds due to " suspicious activity. '' Eventually, we got a check for the cash amount, but as of today, I have not been able to get the rest of the money. Chase claimed they could not verify the checks. However, one of the checks is from Chase itself. Also, I am aware that they did cash the checks as they were given to us from family members and friends, who were able to see that the funds were taken from their accounts. I ended up going to another branch and lady helped me, but even she has had issues to get in contact with the department that handles the check verification. As of yesterday, she got 3 checks verified, and I should be getting the money in one of my account within 5 business days ( which is a bit much considering that they have been holding the funds for over a month ). During a conference call with the branch lead and the department that closed my account, we discussed the last check and I provided the phone number of the person that issued it. The chase representative said that it matched what she had on file, and that I should just be able to call the next day and ask them to verify it. Today, I called as they told me, but the agent I spoke with refused to call the number and mentioned it was unverified, which contradicted what the other representative said the previous day. It just feels like they are not doing a good faith effort to retrieve my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian has failed to investigate nor rectify a collection that i have no idea who it is and it is not mine
Product: Mortgage

They said I did not pay my mortgage but I did! During my loan modification but it was not reflected on my mortgage and they charged me extra fees on my modification process! So I need my credit score to refresh the correct score thanks I would love to get rid of my insurance PMI on my fed loan I would appreciate it! How do I go about doing that thank you! Regards XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

WYNDHM is reporting late notations on my credit file that need to be removed. I recently looked at my credit and noticed some late notations on my credit file. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see WYNDHM report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that WYNDHM please take leniency on my hardship and remove any XXXX and XXXX lates as a onetime goodwill adjustment.
Product: Debt collection

Please send me the original contract with my signature and the lender 's signature on the contract. PLEASE DO NOT SEND A COPY. 

Please provide an audit trail for the alleged debt as well to validate the debt.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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: Prepaid card

I received a letter last XXXX from Bank of America ( dated XX/XX/XXXX ) with the heading at top : Inactive Account Alert. Unbeknownst to me, there was {$700.00} sitting in an account from an Unemployment claim I opened in the state of Massachusetts in XXXX ( the {$700.00} was deposited on XX/XX/XXXX ). The letter was to inform me that I had 30 days to take action to prevent this money from being transferred back to the state of MA. Naturally, I immediately called the bank and said I would like the {$700.00} returned to me. They said they would ; however, after a month or so had passed and I still hadnt received it, I called the Bank back, and they told me that apparently the check had already been returned to the state. They told me to check the MA Unclaimed Property web site to find the returned funds. I continued to do that diligently ever since - still, nothing was showing up. I called the Dept of Unclaimed Property. They said it could still possibly show up, but said to get more info from the bank, who told me that an electronic payment was made to the State on XX/XX/XXXX ( I have the transaction number if needed ). Still no updates with MA Unclaimed Property. I called the Bank again this time, the agent told me the money was returned to the MA Dept of Unemployment, NOT the state! So I then made an appointment to go in-person to the Dept of Unemployment in XXXX. I spent about an hour with a representative there, who was finally able to see this one-time payment that had been deposited into the BoA account in XX/XX/XXXX. But she could not find proof of them returning the Check to Unemployment. She said I should call the bank back, and ask them to send me a letter simply stating that the {$700.00} was returned to them, so they could have a record of it and proceed to get the money back to me. Once again, I called the bank back and was told No, they could not issue that kind of letter. The only letter they were responsible for was the original letter from XX/XX/XXXX. I called MA Unclaimed Property back, since I was given two different stories from the Bank. But still, they could not find anything and said it must have gone back to the Dept. of Unemployment. I called the bank AGAIN, hoping I could find an understanding agent to repeat my story to for the umpteenth time. This time, the woman sounded determined to help me, had to put me on hold a few times ; she asked for my number in the event we got disconnected. After about a half hour with her on the phone, I get disconnected, and she does not call me back! The Banks seems absolutely inept or unwilling to help me with this.
Product: Mortgage

In XXXX I took a mortgage out with XXXX XXXX bank, in XXXX we fell on hard times and needed to refinance to get some money to pay my sons health care bills. CitiFinancial gave us a new mortgage where we took out XXXX. The interest rate was high but we needed the cash. When the housing market crashed we were in the position where I could not refinance to lower rate sue to the house being upside down. I struggled for many years and eventually had to file for bankruptcy. I get the house through this process. Then I had questions about home modification a few years after this, they told me that I had to wait till I was late on payments for three months before they would look at a modifications. So I did this. They said I was approved for modification, when I asked the terms they said they changed my rate from 8.125 % to 8.004 % and then took all the late payments and fees and put that in the end of the loan. I said that was not a modification, they said take it or leave it or they would foreclose on the property. So now I have a property that is even more upside down, they wont tell me who the investors are, the loan is not federally backed and I am in a position now as a single father where I cant sell my home, re finance or get a modification as they will not work with me.
Product: Bank account or service

I used my Bank of America debit card to purchase a hotel stay in XXXX 2013. There were major issues when I got there and my method of booking ( through a third-party called XXXX ) prevented me from getting immediately refunded. I started a dispute with BoA and they sided with me. It was an exhausting process so I closed my bank account. I ran a XXXX report recently and there 's a negative report from Bank of America for over {$600.00}. I never received any communication from BoA that they changed their position on the dispute, never received any collection notices or phone calls, or emails informing me of any debt. I feel as though the dispute was closed and I should not be held responsible for the transaction as originally stated by the bank.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Dispute of Negative Accounts on My Credit Report Dear Sir/Madam, I am writing to formally dispute certain negative items listed on my credit report. After reviewing my credit report, I noticed inaccurate or outdated information that I believe should be corrected and removed from my credit report. 

The account ( XXXX ) in question are as follows : XXXX XXXX  Date Opened : [ XXXX XXXX ] Disputed Item ( XXXX ) : I have no knowledge of this account. This account currently shows on credit report as paid/ never late. I need this removed. 

Capital One Date Opened : XX/XX/XXXX Disputed item ( XXXX ) : I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history. 

XXXX XXXX Date opened : XX/XX/XXXX Disputed Items : Disputed item ( XXXX ) : I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Dispute Items : I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history. 

IQ Data International Date Opened : XX/XX/XXXX Dispute ) : I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history. 


I request that you investigate this matter and remove or correct the inaccurate information from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). I have attached relevant documents, such as statements, letters, or any other information that supports my claim. 

Please let me know the results of your investigation and any actions you have taken within 30 days, as required by law. I would also appreciate written confirmation that this information has been corrected or removed from my credit file. 

Thank you for your prompt attention to this matter. If you require any additional information, please contact me at the above address, email, or phone number. 

Sincerely, XXXX XXXX
Product: Credit reporting

Someone stole my identity and file federal income taxes and open credit cards and loans. I am unable to get a copy of my equifax report because the information they have on file and what I 'm reporting is not the same. I received my taxes after a year of proving myself to the IRS. Now I 'm trying to obtain a mortgage it 's showing up that I already have one which is false.
Product: Debt collection

Credence resource management was list on my credit report. I went to their company website and made a payment of {$50.00} on Wednesday XX/XX/year>. I called to see if the money had gone to the correct account shortly after since not much information was needed to post the payment. This call was handled very unprofessional and abrasive. I called again on Friday XX/XX/year>. They insisted my last name was XXXX. I informed them my last name is XXXX, not XXXX. They said the account is under XXXX. I requested written documentation of the debt and account information. I provided an email address and my current address. I didnt receive anything so I called once more on Monday XX/XX/year> to request this information. The representative informed me they mailed documentation to my address then proceeded to give me an incorrect address. Representative also said there had been communication sent via email. I searched and nothing was sent. I was informed the debt was from XXXX XXXX XXXX I called XXXX XXXX XXXX to obtain documentation and they are refusing or denying being able to send me physical copies of my account. I had informed that Im trying to take care of my debt if it is in fact my debt. I just want ant to verify that is. Both companies have made it very difficult to obtain documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

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

the following account is negative without furnishing XXXX  proof of verification of this debt or that you followed XXXX  laws and regulations to report, therefore you must remove XXXX  negative and adverse remarks under 15 USC 1681 ( b ), 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : the company alleged I owed them money, however, they closed the account and charged it off. In addition, the company alleged I maxed out the credit limit at {$130.00}, but the highest limit it shows is {$790.00}.
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 Human Trafficking debt bondage, which falls under trafficking according to Trafficking-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 human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Account number : XXXX
Product: Credit reporting or other personal consumer reports

My credit report has been breached by data of mine from XXXX, Trans Union, XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : My payments were made on time and before the due date. I have attached bank statements and payment confirmations showing that the payment was processed well in advance of the deadline. This payment should not have been marked as late. 
Clerical Error at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX customer service, they confirmed that the late payment entry was a result of a clerical error in their system. The payments were applied to the wrong account, which delayed its proper posting. I have attached correspondence from XXXXXXXX XXXX acknowledging the error and confirming that the payment was made on time. 
Inconsistent Payment Posting Date : The payments in question were processed on time, but XXXXXXXX XXXX reported varying posting dates to different credit bureaus. This inconsistency between XXXX, Experian, and XXXX indicates a reporting error on their part. I have attached documentation showing the discrepancies in the reported dates, which suggest the late payment is inaccurate. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took out a small loan and the process said the the interest would be reduced for early payment. I paid it of early after the first of four payments. At that time there was only a few dollar reduction which seemed odd because there was about {$80.00} in interest. 

I asked them and they sent me this schedule of interest : Here 's the breakdown of the interest and fees charged for this loan. 

1st Payment Finance charge : {$1.00} Interest : {$70.00} Principal amount : {$42.00} Total : {$110.00} 2nd Payment Finance charge : {$1.00} Interest : {$1.00} Principal amount : {$110.00} Total : {$110.00} 3rd Payment Finance charge : {$1.00} Interest : {$0.00} Principal amount : {$110.00} Total : {$110.00} 4th Payment Finance charge : {$1.00} Interest : {$0.00} Principal amount : {$100.00} Total : {$100.00} This looks like a finance fee and not actually interest. Is it legal for them to structure interest payments like this and then claim there is a savings in paying off early ( technically true but misleading at best ).
Product: Mortgage

Dear XXXX : As a senior citizen, I would expect not to be taken advantage of especially with something as serious as a mortgage. I have as of yet to be given an accurate, ongoing accounting of my mortgage loan. When I have asked questions, I have been given incorrect and/or incomplete information. " The year 's end analysis '', I was told would clear up all my questions. It has not. Please help. It still shows problems with accounting and presents more questions. 
I was initially informed that the mortgage insurance would be stopped after a few months Itemization of Amount Financed / Settlement Statement Return of the per dieum I was erroneously charged The money I returned from FHA repairs Insurances cancellation and accounting for XXXX Bank - accounting, request for loan payment in full Venta Financial Group , Inc. - accounting, letter of transfer XXXX XXXX XXXX XXXX - accounting XXXX - accounting