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

I have submitted this letter below to XXXXXXXX XXXX as well as XXXX, XXXX, Transunion. XXXX responds with everything is correct with being 30 days late. I talked to a representative at XXXX, explaining the situation. Which they were closed on the last day I could pay within 30 days because it was after XXXX and I needed a 4 digit pin code to pay with XXXX XXXX. I never received an email from them only a letter dated XX/XX/2023. They said they cant change it and they legally have to report me. I think its unfair that they have the last say and couldnt understand where I was coming from in this situation. I even send them a credit report of how I have never missed or been late for an appointment. 

Reference # XXXX To whom it may concern ; I am writing in regards to a late payment that is reflected on my credit. This late payment was a result of a cascade of events unbeknownst to me. The original payment was made through an auto payment that is scheduled biweekly. On XX/XX/2023 the payment was credited back to my account. I received a letter from XXXX on XX/XX/2023 and did not receive the letter until XX/XX/2023 due to being out of town due to a work obligation. I attempted to schedule a payment immediately but was unable to due to this service being unavailable. I contacted XXXX on the next business day ( XX/XX/2023 ) to schedule a payment. During this phone call I was directed to send payment via XXXX XXXX, money order or XXXX XXXX. 

I would like a full review of my credit report and reconsideration of this late payment. My credit history is notable for a long standing 18 year account with no missed payments, among other notable histories. This late payment is very harmful to my credit report and would ask if there would be consideration for a one time removal of this late payment. 

I appreciate your consideration.
Product: Debt collection

I sent letters via certified mail to all three credit bureaus requesting validation for a XXXX XXXX/XXXX  account. Per the certified mail receipts these letters were received by the bureaus on XX/XX/18 and XX/XX/18. No proof of validation was ever sent to me however all three bureaus updated my credit reports stating that the debt was valid. According to the FCRA they should have sent proof that the debt was valid within 30 days of the receipt of my request for validation in order to report the debt as valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the method of verification for dispute initiated on XX/XX/XXXX followed up with written disputes on XX/XX/XXXX regarding the disputed items below. It has been more than 30 days and I have not received any proof that your company validated the debt. Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information that is known to be false can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports. Please send me a copy of my updated credit report as soon as the above has been completed. 

XXXX. VALIDATE ACCOUNT XXXX  XXXX XXXX ACCOUNT # XXXX Please delete this account or provide validation information. 

For each of the disputed items above, I am requesting that you provide the following information : XXXX. The name of the original creditor XXXXThe creditor 's address and telephone number XXXX. The persons name they veri ! ed the dispute with XXXX. The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness, accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Product: Payday loan, title loan, or personal loan

Due to extenuating circumstance in my immediate family, I took out a payday high interest loan with Amplify Funding in the amount of {$1200.00}. I now realize these loans are of no benefit to working families. My father was hospitalized from XX/XX/2019 through the end of XX/XX/2019. This loan was taken out to provide needed resources to my mother with massive medical financial constraints of my father 's care. I took out what I thought to be a short term loan with hopes of an early payoff.There is no early payoff per se. I received an email from Amplify with a payoff proposal in the amount of {$1100.00} only to have my bank account still drafted on XX/XX/XXXX for {$400.00}. I have not received any additional communications from the company. when I login to the portal it only reflects that the account is in Collection activity!!! To protect my back account and my future financial status, I want this matter investigated and adequate payment documentation and a correct payoff balance in writing from this company.
Product: Credit card or prepaid card

I contracted with a website development company called XXXX XXXX out of XXXX, California for a $ XXXX contract. They use XXXX as their biller back in XXXX XXXX. I paid a deposit of {$3500.00}. using our Chase United Airlines Credit card. During the course of work which was to take 6 months, I had made additional progress payments along the way after the merchant provided proof of work. Prior to the completion, I found out that the merchant wasn't supplying actual proof of work but images that were non-functional in XX/XX/XXXX and they called to tell me they would not be able to complete the project on the timeline required but were expecting another payment. This is where we requested to have access to the system they were developing on so I can see actual proof and not screenshots of the images of work, At this point, they were using excuses that they had personal emergencies and canceled meeting requests and would not provide us evidence of anything for the next two weeks which I then pursued a dispute with Chase Credit Card Dept. 

In the first dispute, they asked for evidence, and so I uploaded the evidence using the Chase Message center. I waited several months and with no response via mail, I followed up. Now understand, that Chase records all calls, and they are supposed to enter notes during the discussions. They stated at that time, that their message doesn't work and that I should have received a letter in the mail stating their position was against my favor due to lack of evidence and to reopen the dispute. I still never received the letter in the mail and nothing in the message center. 

I reopened the dispute and faxed them the evidence, and they immediately rejected it with no review. I stated how can they do that when they are saying that I received the product/services and now I have nothing to show for it. The company has not provided a live site only initial communications before the time we found them to be fraudulently claiming their work was being done. At this time the representative then disclosed that I had received their written responses but it is located in the Statement/Documents area of the website and not in messaging nor via us mail XXXX In all the months of follow up and speaking with these Chase employees not one was accurate in the details they provided me. 
The case was then discussed again and reopened sending All my proof and responses and details via fax in XXXX XXXX XXXX. I received a letter stating its under review however when I called the representative manager told me that they will not review the case and that I will be held responsible for the fees cause the time for VISA has passed. They have no notes on the issues with their customer support and now deny that their message was never problematic. I have to receive a final dispute resolution but r recently received a text from the XXXX XXXX company stating that everyone was fired for the incompetence and that they wish to do business with me but will not return my money. 

Further evidence that they are frauds and took something that they never completed or delivered.
Product: Money transfer, virtual currency, or money service

I recently attempted to purchase XXXX through the coinbase platform with the intention of sending it immediately. However, it was not disclosed to me prior to the purchase that I would be unable to send the XXXX immediately. This lack of disclosure has caused significant inconvenience, and I have noticed that fees were charged during the process. 

They never gave me an option to request a refund of these fees, nor to complain to anyone, since I believe it is only fair given the lack of transparency regarding the limitations on sending XXXX immediately after purchase.
Product: Mortgage

In XXXX I receive a Home Affordable Modification from my servicing Company Select Portfolio Servicing XXXX XXXX  XXXX XXXX XXXX XXXX UT.XXXX ( XXXX ) XXXX My Modification was in XXXX of XXXX in the agreement Recital 3 ( c ) of the modification agreement the total Deferment amount of XXXX would be waive in thirds on each anniversary of the modification as of XXXX of XXXX Select Portfolio Servicing has not honor their agreement or obligation to the modification agreement first payment agreement : provided that i maintain a current status. 
the wavier breakdown is as follow 1 ) XXXX XXXX in the amount XXXX ( not completed by S.P.S ) 2 ) XXXX XXXX in the amount XXXX ( not completed by S.P.S ) 3 ) XX/XX/XXXX in the amount XXXX ( not completed by S.P.S ) How ever my Servicing Company has fail to to address my concern i have sent a request to the customer correspondence department this issue has prevented me from refinancing my home and has cause huge delays and cost
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX Email- XXXX Phone - XXXX DOB- XX/XX/XXXX Address - XXXX XXXX XXXX XXXX XXXX Ny XXXX XXXX XXXX Accounts that need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally express my deep dissatisfaction and concern regarding the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my consistent and persistent efforts to rectify this issue, the inaccuracies persist, causing severe harm to my creditworthiness and financial well-being. 


There are multiple fraudulent items present on my credit report that are negatively impacting my credit profile. I have submitted dispute requests on numerous occasions, providing supporting documentation to confirm the fraudulent nature of these items. 

Despite my ongoing attempts to address this matter by following the established dispute procedures, the fraudulent items persist on my credit report. Previous dispute requests have not resulted in a satisfactory resolution. 
The presence of these inaccuracies has severe consequences for my creditworthiness, affecting my ability to obtain credit, secure favorable interest rates, and maintain financial stability. 

I request that you conduct an urgent and thorough investigation into the fraudulent items on my credit file. Attached are copies of the supporting documentation that clearly demonstrate the unauthorized nature of these items. 

Additionally, I insist on clear and timely communication throughout the resolution process and a written confirmation once the investigation is complete. It is crucial for me to receive assurance that these fraudulent items will be promptly and permanently removed from my credit history. 

If this matter is not addressed satisfactorily within the exact timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In my last complaint, I disputed some items that are erroneous and do not belong to me whatsoever. Please block the items that are erroneous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XX/XX/XXXX The addresses stated above are not my current address The accounts above are inaccurate and fraudulent. Im seeking Litigation. 
The inquiry is unauthorized and fraudulent. 
Please delete them at once.
Product: Debt collection

I was charged for move-out items by Sequium Asset Solutions two years after moving out and after paying the charges via a payment plan to the management company XXXX. Sequium sent a collections letter in XXXX of XXXX ( I moved out XXXX of XXXX ) saying I owed {$790.00}. After trying to verify this debt from the management company and apartment complex, I received no further information saying that I owed this amount. The apartment complex told me that they switched management companies in XXXX of XXXX and had no information on these charges. When I spoke to Sequium they would not provide any additional information except the balance owed, and used aggressive communication tactics to get me to pay the debt without verification that it was legitimate. Due to the time that passed between moving out and the bill being sent to collections, as well as it not showing up on my credit report, and without confirmation of the legitimacy of these charges, I believe this may be a scam. I see Sequium has numerous reports against it, and it is very difficult to discern as a consumer whether this debt being collected is legitimate, except for viewing my credit report where there is no collection reported.
Product: Vehicle loan or lease

XXXX XXXX XXXX that was financed through Santander was destroyed by a tree falling. Insurance should have covered it ... either way the account was closed in XXXX XXXX  XXXX - How could I have missed payments if the account was closed?
Product: Credit reporting

was opened on XXXX XXXX XXXX and closed in XXXX XXXX XXXX by XXXX credit card. This account was defaulted and was reported to IRS which i have paid off through my Tax filling. Now even though the account is closed and resolved. This account has continued to show on my record. This account should be removed from my record entirely.
Product: Credit card or prepaid card

On XXXX- I Submitted CFPB Complaint # XXXX. To J P Morgan Chase Credit Card Services.  About a week later a ( Un Named ) Chase Executive Office lady Representative phoned me and told me letters of Credit card Closures dates, balance amounts for cards ending in XXXX and XXXX, were on there way. Few days later one billing statement arrived for one card. I phoned on XXXX XXXX to Chase customer Service # XXXX, when I received billing statement and left her voice mail message that statements WILL NOT FULL FIL COURTS REQUIREMENTS FOR LOSSES IN A FEDERAL COURT ACTION and she had till XX/XX/XXXX when CFPB told me that the Chase Response letters were due back to CFPB. 

This Lady phoned me back and did not understand my voice message and wanted to just talk about things unrelated to previous message left by me on her Voice message. I did return a phone call to her, but rang so many times I got fed up with Chases ( gas lighting run-around tactics ) now no English combredo XXXX I hung up. 

Chase Executive Credit Card Department does NOT NEED 60 Days to type a Chase letterhead letters containing the Credit Cards Closure Dates, and Charge off balances due it takes 2 seconds with Chase on the phone to get this information, can not REDUCE THIS INFORMATION TO WRITING Chase closed my Chase cell phone app to get particle info.

This a Legal request to comply with so I can present them as damages to the XXXX Circuit Court of Appeals to get what is due Chase, from a third party that embezzled my income! 

I have been asking for these letters from Chase Since XX/XX/XXXX and no Federal Judge will tally All your XXXX billing staments!

One more statement I DID NOT AUTHORIZ
E any one else to makes purchase on my cards under Purchase Interest Fees and Chase DID NOT NOTIFY CONSUMERS of a Chases self imposed enrichment fees with a 30  day fee change notice to consumers!

And WHY does Chase bank do not cash their own Chase Bank Checks?!!

If I do not get these letters from Chase soon I will SUE J P Morgan Bank! For NOT COMPLYING WITH A FEDERAL DOCUMENTS To SHOW AS EVIDENCE DOCUMENTS AS I HAVE REQUESTED AND FRAUDULENT CONSUMER BUSINESSES PRACTICES! 

And Chase you wipe clean these two credit ratings as poor off my Credit reports and state Excellent ratings from this customer! Because J P Morgan Chase refused to comply with a legal Federal request from consumer to prove Embezzlement of another party Crime!
Product: Student loan

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have a loan with COLLEGE FOUN. For some reason, I realized that there were 120 and 150 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. Below are the following accounts with erroneous information and need to fix immediately. 

COLLEGE FOUN XXXX Opened XX/XX/XXXX Balance {$6700.00} ; COLLEGE FOUN XXXX Opened XX/XX/XXXX Balance {$5800.00} ; COLLEGE FOUN XXXX Opened XX/XX/XXXX Balance {$5000.00} ; COLLEGE FOUN XXXX Opened XX/XX/XXXX Balance {$5500.00} ;
Product: Credit reporting or other personal consumer reports

My information was exposed in a XXXX XXXX and I would like my report cleaned up from that.
Product: Debt collection

This company called me and my x husband using skip tracing tools. A third party can not be called without them being listed as a reference and when I told them I didnt recognize the debt, they threatened to have me garnished even after I asked for information to prove the loan. They said I only had 24 hours to settled the debt, but how I settled debt Im not familiar with. The company threaded me that I Better not call again, and marked me as refusal to pay even though I didnt know what debt they spoke of. The manager XXXX spoke over me and refused to talk to me like a human.
Product: Mortgage

I have a home equity loan with Wells Fargo and they require that I send them proof of flood insurance since I 'm in a flood zone. I have faxed, mailed and tried to upload a copy of the policy onto their web site ( which does n't work ) and they continually tell me they did n't receive it and are charging me for flood insurance. I 've called repeatedly and other than tell me that they will " research '' the matter nothing gets done. In addition, when I asked them to tell me the name of the regulatory agencies that I can file a complaint with they refuse to provide me with this information. This is predatory behavior and should be illegal and punished!