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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Under 15 U.S.C . 1681e ( b ) and 15 U.S.C. 1681i ( a ) To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information listed on my credit report, as reported by your agency. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the maximum possible accuracy of the information reported. The following accounts contain errors and must be corrected or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Balance : Reported as {$5500.00} and {$5500.00} across different bureaus. 
Incorrect Date Opened : Reported as XX/XX/year> and XX/XX/year>. 
Payment Status Discrepancy : Listed as " Collection/Chargeoff '' with inconsistent reporting dates. 
FCRA Violation : Failure to ensure the accuracy of reporting, violating 15 U.S.C. 1681e ( b ). 
XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Incorrect Balance : Reported as {$350.00} without verification of debt ownership. 
Status Discrepancy : Marked as " Collection/Chargeoff '' despite prior dispute resolution. 
FCRA Violation : Failure to properly investigate under 15 U.S.C. 1681i ( a ). 
XXXX. Multiple Hard Inquiries ( Unverified and Unauthorized ) Companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Violation : Unverified inquiries are harming my creditworthiness, violating 15 U.S.C. 1681b.

Under 15 U.S.C. 1681g, I am also requesting : 1. The original assignment contract for all alleged debts.

2. The forward flow agreement that legally authorizes the debt transfer.

3. All documents verifying the accuracy and ownership of these accounts.

4. Deletion of all inaccurate, unverifiable, and outdated information.

Furthermore, under the FCRA, I am entitled to {$1000.00} per violation if my rights continue to be violated. If these errors are not corrected within 30 days, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursue legal action if necessary. 
Please investigate these matters immediately and provide written confirmation of the corrections. I expect a response within the legally mandated XXXX period. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, I came to discover that my identity was stole and used to open several accounts under my name and SSN. That is when I checked my credit report and found that a XXXX 's XXXX account was opened using my name/SSN, on XX/XX/XXXX. I have since disputed this account to be take off several times with Experian, XXXX XXXX XXXX. I even sent a letter ( XXXX ), along with the police report, identity theft report and my driver 's license as proof of my identity. The reponse I received via Experian was that the account is mine therefore it will not be removed. This reporting is severely messing up my credit. The other accounts that my name/SSN were used to open, those companies responded right away ( XXXX XXXX XXXX XXXX XXXX XXXX and promptly removed those accounts from my report. XXXX 's refuses to take notice of the evidence I provided and remove these fraudulent charges off my report.
Product: Vehicle loan or lease

I am not liable for this debt with, CONSUMER FIN I do not have a contact with, they did not provide me with the original contract as I requested. I demand this account to be removed
Product: Mortgage

A loan recently transferred servicing to SLS and theyre threatening late fees possible foreclosure unless I back pay payments already processed through the previous servicer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting incorrect information to the credit bureaus. 
XXXX XXXX XXXX is reporting a balance of {$9500.00} which is incorrect. The balance is {$0.00}. 
XXXX XXXX XXXX is also reporting late payment for XX/XX/XXXX, which is incorrect. 
The payment was not late for XXXX. The final payment was due XX/XX/XXXX and the payment was made XX/XX/XXXX in the amount of {$3500.00}. 

XXXX XXXX XXXX has also reported the following payments as late however, the payments were not late. The due date is the XXXX of each month with a XXXX grace period so the payments are not late until the XXXX of each month. 
Monthly payment amounts {$430.00}. 

Payment date Status Amount XXXX {$3500.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$400.00} XXXX {$100.00} XXXX {$210.00} XXXX {$430.00} XXXX {$100.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00}
Product: Mortgage

This complaint is against M & T Bank. At the beginning of XX/XX/2023 I contacted M & T Bank to let them know that I am paying the insurance in full as it is the only way to get the policy in place. I explained to M & T that they do not need to send the check to me for the insurance as it's paid and to send it to me. Of course they did not listen and sent the check. I went back and forth with them to get my money but made no progress. A year later, I was refunded my {$4900.00}. Not everyone can go a year without having that much money and there is an opportunity cost lost for me. 

This year, 2023, they did not pay the insurance in time. The insurer, Reinsure, charged my credit card on XX/XX/2023 in the amount of {$4800.00} so that we were not left uninsured. My insurance agent has been going back and forth with M & T since then. M & T continues not to follow instructions and has mailed the payment wrong 3 times now. I got back {$4000.00} on XX/XX/2023 so I was still owed {$810.00}. Then on XX/XX/2023 my credit card was charged {$410.00} because in order to maintain the policy they had to charge that so now I am owed {$1200.00}. 

I contacted M & T through email on XX/XX/2023. Their response is not what took place. They included a number to call to help get it fixed but the automated commands sent me in circles and I could not get someone on the line. I asked them to have someone contact me directly and on XX/XX/2023 they said they would have someone contact me. No one has contacted me. 

I am in the mortgage business so I know I am not the only one who has had this issue as we sell some of our loans to M & T Bank. I can share the email communication with my insurance agent to support everything I have included above.
Product: Checking or savings account

Beginning on XXXX, XX/XX/XXXX, I began receiving emails from the online banking institution called Chime. I had never even heard of them before but I received a welcome email. And a credit builder application email. 

also received an email saying that my debit card would soon be on its way. I also received a text on my cell phone indicating that I could download the chime app. 

I called the Chime customer service number that is listed online, but there is no answer. The automated voice keeps funneling me to select keypad number options to verify my account. I can not ask for an agent or type XXXX. It informed that if I press XXXX and they call me back to verify the account. But when I dialed XXXX, They never called back. 

Somebody fraudulently opened this account in my name. 

The emails they sent me went to a no reply inbox when I attempted to reply. I received a bounce back indicating that they did not read my email. There was no other instruction on how I could email them. They also do not offer email contact on their web page. 

After unsuccessfully calling their customer service lined, I messaged the company on XXXX, they informed that they were indeed a real person and they apologize for my experience, they asked me to call the customer service number, but did not address the fact that nobody answered the number when I informed them. 

Today, XXXX, XX/XX/XXXX, I received another email saying that a debit card is now in route to an address in South Carolina. This is not my address. 

I am reading online that this is not the XXXX  time this is happened to people with this banking institution. I am not sure what else to do.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX, XXXX, XXXX Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Employer : XXXX XXXX Date Updated : XX/XX/2018
Product: Debt collection

I have disputed an alleged debt to LVNV Funding for a supposed XXXX XXXX XXXX Card account. LVNV Funding is illegally reporting items negatively on my credit report in violation of the FCRA and FDCPA.

LVNV has previously been sued and fined for violating the rights of consumers like me.

TO WIT : LVNV has been requested to, and has failed to provide me with the following documents to demonstrate their legal authority to place derogatory marks on my credit report : 1 ) They have failed to provide me with the Purchase Agreement to demonstrate they have any ownership, legal interest, or legal authority to collect the alleged debt or place negative records on my credit report.

2 ) They have failed to provide the original signed application and loan documents that would demonstrate the debt is even valid or legally binding. This should include the original Terms and Conditions. as well as all subsequent addendums and riders issues by the orginal creditor from time-to-time.

3 ) They have failed to provide a full accounting of all payments, charges, late fees, payments posted, and interest calculations to demonstrate the claimed balance is accurate, correct, and lawful. This data should include all instances of late payments claimed which would have led to a delinquency and assignment to collections.

4 ) They have not demonstrated their legal authority to collect against me here in Virginia. I have requested proof of proper licensing and authority here in Virginia as well as proper third-party debt collector bonds they are required to maintain in Virginia. Their activity is a violation of the Virginia Consumer Protection Act.

5 ) They have failed to provide documentation of the full chain of ownership from the original creditor all the way through their unproven claim of ownership of the alleged debt. This should include proof of assignment to each subsequent entity without any break in the chain. Documents must be provided with true and accurate dates and signatures. The original Purchase Agreement should also be provided, containing the Terms, Conditions, and Representations regarding their claimed ownership of this alleged debt.

6 ) They have failed to prove they sent me the legally required notices prior to placing the alleged debt on my credit reports with the major credit reporting agencies. I have demanded copies of all such correspondence and any letter tracking their firm maintains. IN the XXXX XXXX XXXX XXXX XXXX precedent has been clearly established that their " illegal debt parking '' without notice is a violation of my rights.

7 ) They should explain why they have continued to communicate with me and call me after being told to no longer contact me. ( I will allow written communication in direct response to my dispute and efforts to have this wrongful action corrected. )
Product: Credit reporting or other personal consumer reports

These companies violated my rights to privacy. Also, they have not provided me with proof of original agreement and or contracts. Now I have negative items on my credit report I gave no permission to or signed any contracts for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 5 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt or credit management

I used Lexington Services. They were to repair my credit. They kept charging me money but my credit report never changed
Product: Checking or savings account

I received an ACH deposit into my Capital One 360  checking account on XX/XX/21 in the amount of {$10000.00} from the SBA. This money was awarded to me as a grant. Im an XXXX XXXX and Im a professional XXXX XXXX. Im contracted with XXXX XXXX Of XXXX XXXX. My account has been frozen along with all of my funds for absolutely no reason. I was humiliated and treated like some sort of criminal in the local branch, when all I tried to do is make a partial withdraw. Instead I was handed a sticky note saying call this number with no explanation of what was going on. The number was to the fraud department where I was further humiliated after waiting to speak to someone after a two hour wait time. She asked several invasive questions that I answered because at this point its obvious that I had been automatically found guilty and I had to prove my innocence. She advised me if I want to help further my case along, I should send over my tax returns, 1099 and any other documents that I had as proof. I cant understand for the life of me why I would have to provide my bank with any of this when it took an entire year to even get approval for this grant and the SBA required everything with the exception of a pint of blood before being approved. She said several times this is what the government is asking us to do. So I sent over all documents immediately. Still nothing and they emailed me saying that my account was frozen and if I have any questions call this number. The number provided in the email doesnt accept incoming calls. This is unfair and Im sure in some way illegal practices. I am a U.S citizen and a hard working one at that. How is this right? Ive been out of work for over a year due to Covid and they can just freeze my account with everything in it without a explanation or cause. This is pass insane and I want justice and Capital One to be held accountable for these unfair practices.
Product: Credit card or prepaid card

I was suppose to receive {$150.00} at XXXX after spending {$500.00} in the first 60 days of opening the account. I was also suppose to receive 5x the reward points for each dollar that I spent at the XXXX XXXX XXXX I have not received any of this and just keep getting the run around. I have spoken with multiple supervisors, managers and have receive conflicting information on numerous occasions. I just want the rewards I have earned. I have spent way over {$10000.00} dollars at XXXX XXXX and have not received the 5x rewards points like I should have. ( {$10000.00} was just one purchase that I made at HD ) I have been receiving XXXX point per dollar. Every time I call they acknowledge I should be receiving 5x points but I am not. They are asking me to send verification off the offer that was on the web page when I signed up. I have asked numerous time to file a complaint and they will not let me take this to the next level. They say they will submit it and it will take 30 days to get a reply. I have attached the first reply. They want me to send further verification of the offer that I signed up for on their web site. I signed up specifically for this card for these rewards. The supervisors I have spoken with verified I should be receiving these rewards. I have attached screen shots from the page I signed up on.
Product: Debt collection

I attempted to resolve an issue where my personal information was used to open an account without my consent. Despite my efforts to contact and resolve the matter with blink they have refused to cooperate or assist in rectifying the situation. This lack of support has left me with no resolution, and I am concerned about the potential consequences of this unauthorized account. ''
Product: Mortgage

On XX/XX/XXXX, I executed a qualified written request which was overnighted to Seterus by the United States Postal Service through Express Mail under tracking number XXXX on XX/XX/XXXX. It was received on XX/XX/XXXX. I requested a complete payment history. They acknowledged the request on XX/XX/XXXX and XX/XX/XXXX. I have heard nothing to date since then. I have enclosed a certification of amounts due regarding the foreclosure action. Seterus claims to be the servicer since XX/XX/XXXX, however, they are attempting to be reimbursed {$11000.00} for taxes they allegedly paid from XX/XX/XXXX to XX/XX/XXXX. Why is Seterus attempting to be reimbursed for taxes that were dispersed before they became a servicer? They are charging for {$630.00} for 44 inspections but failed to state when these inspections were done and what they encompassed. They claim I owe {$140000.00} in principal but failed to show how they came to this figure. There was a long forbearance agreement years ago which went on for months and months. How do I know if this was reflected in the current principal amount and interest due? How did they arrive at {$74000.00} for interest without a proper payment history? I dispute all of these charges.
Product: Debt collection

After reviewing my credit report I noticed XXXX XXXX XXXX as reported multiple times. These accounts do not belong to me. The accounts are duplicates and have not been verified.
Product: Credit reporting or other personal consumer reports

Get rid of these inquiries. I don't know anything about them, and the company did this without my agreement.
Product: Mortgage

We have a mortgage with CHASE for our home, and we have been doing the loan payments on time. 

This week, XX/XX/2020 we have received a letter from CHASE letting us know that they are selling our loan, and it is been transferred starting XX/XX/2020 to XXXX XXXX XXXX ( XXXX ). 

We have reviewed online XXXX  and we have found terrible reviews for XXXX XXXX XXXX, we found it is a shark loan servicing company based in XXXX XXXX XXXX, Utah, and has an additional office in XXXX, Florida., and we found that XXXX is not accredited by the XXXX XXXX XXXX ( XXXX  ) and has received hundreds of complaints for billing/collection problems and potential FDCPA violations as you can find in the following link :. 

XXXX XXXX XXXX Since them we have tried several times to contact CHASE customer service ( XXXX ) for this matter, we are getting messages that for the CORONAVIRUS situation they are not able to answer the call before two and a half hours, so we have not been lucky getting any help with this alarming situation from CHASE We have a big concern and complaint that CHASE is not taking care of their customers in this CORONAVIRUS PANDEMIC, they are choosing the worst moment to sell our loan and let us unprotected in difficult times, and we are really on panic that this transferring of our loan may conduct to a future foreclosure process of our home.

While other banks are looking for ways to help their clients in this time of crisis, CHASE is trying to get away from his clients and is treating them like trash, leaving them unprotected at a crucial moment. 

Attached please find letter received from CHASE wit this announcement that has a big impact in our lives at this moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Transunion in regards to an account with XXXX XXXX XXXX  which stated that I was late paying my account 3 times which is false. I asked Trans union to send me a copy of the of the results of the investigation. I also requested that they send me proof via a document with the response from the Bank and informed them that I would not accept verification via e-Oscar or any other form of electronic verification system. I requested a formal response from the bank verifying what they are reporting on my file. Trans Union is refusing to follow the law and continues to report late payments on my report. I do not believe they are following the law and request and investigation into their practices. My next step is to involve an attorney and request damages for reporting false information.
Product: Debt collection

DEFAMATION OF CHARACTER To whom It May Concern ; This concerns the inaccuracy that is unfairly furnished on my consumer report by your company which I came to know about on XX/XX/2022. Due to this inaccuracy, my right to extend credit has been severely damaged to a great extent and as a result, my public confidence has been undermined. 

Pursuant to my rights as a consumer, I'm asking your company to provide proof of an agreement you have which states I am obligated to make any payments to your company with my signature. Proof of the agreement can not be a pile of statements received from the creditor that I was credited for the alleged transaction. 

Pursuant to 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Therefore I NEED ACTUAL AGREEMENTS.

Pursuant to 15 USC 1692j ( b ) any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter i.e. {$1000.00} ( XXXX XXXX Dollars ) Therefore pursuant to 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. Any further contact by your company, except a communication by mail confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ) FAILURE TO ACCEPT MY REQUEST WITHIN 15 DAYS WILL LEAD TO A LAWSUIT COMMENCED XXXX YOUR COMPANY. 

Thank you for your cooperation Sincerely XXXX XXXX