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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  - Balance : {$980.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX  - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX - Balance : {$670.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$7200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$1400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$540.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$390.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$670.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$2200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$280.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$980.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$510.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$390.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$540.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$510.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$670.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$2200.00}
Product: Checking or savings account

This is in reference to a complaint I filed with the Consumer Financial Protection Bureau XX/XX/scrub> 2024. The complaint ID is XXXX Below is my original complaint, sent on XX/XX/year>2024 : " I went online and requested that Chase close my savings account. This was done on XX/XX/scrub> 2024. The next morning I checked and realized Chase closed the wrong account. They closed my checking instead of savings account. I called them to complian and they it was to late to stop the closure, and I would receive the {$1200.00} that was in the checking account in the mail in 7-10 business days. The money did not arrive so I contacted them again. This time the told me that I could go to a local bank and they could give me my money. I went to a local bank and the banker said it was to late and I could not get my money from them. Then I recieved a call from a Chase representative who said it looks like my money was taken by someone other than Chase and I would need to file a complaint. He transferred me another department and that Chase representative said that the prevoius rep gave me the wrong information, and my money was with the Chase National Closing Team. She said she didn't have the contact number but maybe a manager at a local branch could reach out to the National Closing Team to see when and how I would recieve my money. Today is XX/XX/scrub> 2024 and I have still not recieved the {$1200.00} XXXX that Chase owes me. '' Chase responded to my complaint with a form to complete and fax to them to get my money. I did everything I was supposed to do. I even have a copy of the Declaration of Lost Cashier 's Check. And I still don't have my money. That was over a month ago. I've been waiting since XXXX XXXX, 2024 to get my money. Do something CFPB! This is ridiculous. I have to file a complaint about a complaint that was never resolved!
Product: Debt collection

These people repeatedly call me for my sister 's debt. Every single day.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have a permissible purpose. I also attached evidence. 

The following list of inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiries listed have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was charged off. date XXXX of XX/XX/2022 {$20000.00} written off. {$19000.00} is past due as of XXXX XXXX this account is a charge why are they updating inaccurate information on my credit report please remove this account from my credit report
Product: Consumer Loan

XXXX at API ( debt collection agency ), instead of calling me, called my family and friend leaving a message for me that if I did n't call them back today to discuss a claim, that legal action will be taken in XXXX XXXX. When I called them back, XXXX was in a meeting and I talked to another man who told me that if I did n't come up with the {$680.00} down payment ( 10 % of the bill ), in 24 hours, they were going to forward my claim to XXXX XXXX to serve me at home or at my work. I told him that I could not come up with this within the short amount of time and he wished me luck.
Product: Bank account or service

Dear Sir/Madam, After reviewing this document : http : XXXX and being a victim of Identity Theft myself, I thought I would take some of the proactive steps to research and resolve the situation. 

I am writing today to ask Scottrade Bank provide me with access to my account so I can review the alleged debts and balances. Furthermore, I would like Scottrade to confirm what amount if any debt they allege to own. 

Scottrade previously claimed that I owe them money, but will not let me access to account to see the specific details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Transunion for validation for multiple inaccurate accounts that I noticed on my credit report. They still report these accounts every single day and its causing a problem to my health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three credit bureaus a certified letter, requesting an investigation/ deletion of this hard inquiry from, XXXX XXXX XX/XX/18. It has now been well I've r 90 days and still no response. This has cause great hardship and stress as well as it has caused my credit score to go down drastically causing me to be denied credit and home loans. The credit bureaus have not complied with the FCRA laws that were put in place to protect all consumers. The bureaus have a responsibility to report accurate information and respond to disputes within a timely manner.
Product: Mortgage

I applied for a short sale, the short sale option was approved. I listed my property with a local agent. When an offer to purchase was received the real estate broker was advised to submit a Hud-1 closing statement. He submitted said statement 4 to 5 times. Each time he was told the numbers didn't add up. When I phoned my lender for updates I was advised the same. I then paid a title company {$150.00} to prepare this Hud-1 closing statement. When the lender received the Hud-1 statement from the title company, they withdraw the offer to purchase siting I had changed the buyer. I explained to the lender the buyer has not changed. The buyer 's grandfather is gifting him the funds to close as part of the buyers inheritance. The mortgage company then sent me written notice. Your request for short sale has been withdrawn because you changed buyers. The real estate broker along with myself have phoned, written, appealed their decision all while explaining the buyer has not changed. The buyer is still the same. We added the grandfathers name to the Hud-1 because the proof of funds from the bank ( which the lender has a copy of ) is in his ( the grandfather 's ) name. The buyer is the same and as of today he is still interested in purchasing my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate credit information. 

Account : Santander Consumer USA Late Payment : XX/XX/2022 {$520.00} The account payments were deferred and no payments were due at the time. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 


Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Bank account or service

I 'm filing a dispute for {$300.00} because my money did n't dispense out the XXXX, this happen on XXXX XXXX at XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witHXX/XX/XXXXXXXX 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 MONTHS REPORTING LATE 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.

This company 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: Mortgage

In XX/XX/2021, we received a letter purportedly from our mortgage institution, asking to confirm the Social Security Number associated with the account. 

Enclosed with the letter were two government forms : an XXXX from the Social Security Administration, which is an authorization to release SSN verification. This form was partially completed by the sender, who listed the " Company Name '' as JPMorgan Chase Bank, XXXX, and with the address XXXX XXXX XXXX, XXXX, OH XXXX. 

The second form was an XXXX XXXX Request for Taxpayer Identification Number and Certification. This form was left blank. 

The address on the cover letter, however, was in XXXX XXXX, TX, not XXXX, OH. 
Odd. The Cover Letter also offered a fax number one could send forms to ( XXXX ) XXXX. This address was : Chase, Mail XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, TX, XXXX. 

This whole thing stunk. We've never been asked before by a mortgage company for our SSN after the close. That's just weird. I called the phone number on my actual mortgage statement ( XXXX ) XXXX and Customer Service confirmed this was absolutely NOT from them. I hope other consumers are not fooled by this semi-official looking correspondence.
Product: Debt collection

There are 2 collection accounts on my credit report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case XXXX XXXX is attempting to collect as capital one bank and XXXX XXXX XXXX is attempting to collect as XXXX XXXX. 

These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my credit report.
Product: Mortgage

I purchased my home in XX/XX/XXXX, first payment was made to Caliber home loans on XX/XX/XXXX. Payment was never applied to my loan so when the loan was transferred to XXXX it was transferred for the full amount. I realized this and made my first phone call in XX/XX/XXXX. I I have provided a copy of the check that was cashed for {$2000.00} by Caliber Home Loans and also provided a copy of my bank statement where it shows the money was taken out. Ever since XX/XX/XXXX I been calling trying to get this issue resolved and now they are telling me theres nothing they can do because they cant access old files.
Product: Credit reporting or other personal consumer reports

I am trying to buy a house and these things are delaying my home buying process. 
I have been a victim of aggravated identity theft.I need these items removed asap. 
Each creditor should have form SSA-89 signed by the consumer whenever credit is requested that way they have proof it was mailed and received by the said consumer and that way each person knows if/ and when fraud has or hasn't been committed. That form was requested by me to the creditor and they have yet to send that. It's been over 30 days since requested and over the timeframe. If they can't provide it they need to respectfully remove these items. 
Study what this form entails. I understand my consumer rights and how to proceed. I will contact the XXXX, and state attorney general to let them know such things are happening and not being honored if this isn't handled asap. Do not send a bill as a bill doesn ; t provide sufficient proof the said has applied for anything. Thank you for your prompt assistance.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$26000.00} from XXXX XXXX XXXX Account XXXX XXXX The company listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 

Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right. 

to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, XXXX add a hard inquiry on my credit report per TransUnion. 
On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Mortgage

I have had an ongoing issue regarding my mortgage which ended up with Caliber, prior to which it was with multiple other services. 

For some reason, over the years, I find that forced property and flood insurance ends up on my account. This has happened not only with Caliber but servicers prior to Caliber, even though my property is not in a flood zone. 

Forced placed insurance was recently put on by Caliber in early 2015, after which I called them and told them about the problem. They admitted their error and insisted that the loan had to be " modified '' in order for the forced place insurance to be removed. Even though I volunteered to make my monthly payments as usual, the rep told me that during the modification, I am not to make any payments and that I would be contacted once the modification had been completed to alert me payments were due. 

I was sent statements and began to make payments when my loan was modified after XXXX 2015. However, on recently checking my credit report I found that Caliber has marked me 90 days late from XXXX 2015 on my credit report. I have brought this issue up with Caliber recently, unfortunately their loan modification department replied that they had accurately reported the account as late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} EQUIFAX : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1900.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$560.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions