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

I am writing to formally request the removal of an account from my credit report as reported by [ Equifax and XXXX. This request is based on the recent deletion of an account by XXXX and XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-o from XXXX XXXX XXXX XXXX , listed on my XXXX and Equifax report , and following a thorough investigation, XXXX and XXXX have completely removed this unveriable 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 veriable. Since XXXX and XXXX have removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit XXXX I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable 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 unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within XXXX XXXX of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX 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

I contacted all three credit bureaus and notified them of false information on my credit reports. They all three have not changed this info. I have not inquired any inquiries nor have I gave any permission to run a credit check. I've called all three credit bureaus as well as wrote multiple letters with proof of identity and still not removed. I've listed below all inquiries that need to be removed. This is fraudulent inquiries. 

XXXX : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I filed for Chapter XXXX bankruptcy. My attorney approved for me to obtain a car in XXXX. I have never missed a payment and have not had any credit cards since all accounts were closed in XXXX. XXXX XXXX recently offered me a way to build my credit. I have made 1 of 6 payments to them. 

I am working to try to refinance my home ( currently has my ex-husband and my name on mortgage, but he signed a Quit Claim Deed ). I divorced my first husband back in XX/XX/XXXX. 

Each time a lender pulls my credit, it comes up with the following statements. 

1. Length of time since derogatory public record or collection is too short 2. Serious delinquency, and public record or collection filed 3. Time since delinquency is too recent or unknown 4. Lack of recent revolving account information I am trying to work to REBUILD my credit. Please help me to understand what I am doing wrong and why my credit history still reflects these statements and lenders will not afford me an opportunity to even work with me to refinance my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2018 I have been requesting an investigation into specifically 3 accounts XXXX, XXXX and XXXX XXXX and have been unsuccessful. They updated n XXXX just updated the report but provided no documentation or status update. XXXX should not be showing collections or late being that I was successfully enrolled in student loan rehabilitation program which should now be showing paying as agreed and NO LATE PAYMENTS. Also XXXX XXXX shows sooo many decrepancies. The last activity is different with all 3 bureaus which reages the debt. Also the account numbers are different. They furnisher is clearly not following the METRO 2 COMPLIANCE therefore grounds for the bureaus to delete this account. The burden of proof is on the bureaus at this point. Please remove credit acceptance from my credit report.
Product: Student loan

I was approved for a forebearance through XXXX/XXXX/2016. However, Mohela is reporting past due for XXXX. I 've already contacted them about without a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX 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
Product: Mortgage

I have a mortgage in which the legal description is incorrect. I have repeatedly requested that the company who holds the mortgage please correct the error. My title company has also sent an email request. All requests have been ignored to date. The house that has the incorrect legal description on the loan is showing up on the title for the property next door that I am trying to sell. I can not sell that property with the cloud on the title. I need Nationstar mortgage to release the title to XXXX ( incorrect legal description on the title ) and order a new title search and prepare a corrective deed for XXXX XXXX XXXX XXXX. The mortgage should be for XXXX alone. Again, all requests have been ignored. This needs to be serviced and Nationstar will provide no service or answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CXXXX XXXX XXXXXXXX XXXX, Please take another names of my report
Product: Debt collection

On   XX/XX/XXXX ,  I became a tenant at  XXXX  at  XXXX   XXXX . I signed a  one  year lease.   Moved out after 10 months on   XX/XX/XXXX   because of I had another place that was available and afraid to lose this opportunity. I paid the  XXXX  month before I vacated.   There was {$870.00} still due..for 12 month rent.   I waited to see if the landlord could rent my apartment to someone else.   Sure enough they were able to rent to a new tenant on   XX/XX/XXXX .    Under Florida  State  law a landlord is not permitted to collect double rent on an apartment, therefore by law I was not to pay the landlord for the  XXXX  month.   The landlord without any notice with complete malice gave the debt to attorney Warfield for collections. The landlord gave me no credit for the  XXXX  month that I paid as well as requested collection for the  XXXX  month.   I did not know this was in collections occurred until receiving a phone call in   XX/XX/XXXX .    This is an error on  XXXX  counts. Please have this removed from my credit report.
Product: Checking or savings account

My husband died on XX/XX/. Several days later I called them to tell them he had died. They closed his account immediately, while I was still on the phone to them. There is still approximately {$340.00} left on his account. I asked them to let me transfer his money to my account at that time. They said they would not do that until I sent them a copy of his death certificate and a statement of his estate from probate. I told them there was no need to go through any probate of his estate because there were no assets to be distributed except the {$340.00} in his account and there was no one claiming assets because there weren't any assets. He did not have a will. They insisted they needed those two things, a copy of his death certificate and a statement of his closed probate. 

Since then I have repeatedly talked to customer service and they repeatedly tell me they need a copy of his death certificate and a statement of his closed probate from the.probate office. I have emailed them a copy of his death certificate months ago but they simply won't give me his remaining balance of approximately {$340.00} unless they get a statement from probate. His estate consisted of nothing. I can't open probate with no assets. So they will not give me the money left in his account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  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
Product: Credit reporting or other personal consumer reports

My credit report incorrectly shows this account with monthly late payments, despite my record as a reliable and prompt-paying customer.
Product: Mortgage

I hope that you can help me. 
I took out a 2nd mortgage in XXXX. Payments of {$250.00} per month. It has hardly budged from the original balance in 10 1/2 years!!! Loan was {$25000.00}. Today, it is {$25000.00}!!!! A friend of mine did the math and said that I have already paid over {$30000.00} on this!!! Several people have pointed out that this is predatory lending. The interest rate is 5.75 %. My friend said in several more years I will have paid them {$90000.00}!!!! Please help me. I have always had a good credit rating, and dont know what is going on here. I called them on it about XX/XX/XXXX and all the customer service rep, wanted to do was sell me another loan!! I asked to speak to a manager regarding predatory lending, and she kept saying refinance, refinance. I then spoke with someone else there, told him my problem as I did with her, and all they tried to do is get me to refi/buy another loan!!! I just lost my job, and happened to see that this 2nd mortgage never gets lower when I received this years tax statement!!! Please investigate this, I hope that you can help me. I gave already paid over {$30000.00} on it!!! XXXX XXXX
Product: Mortgage

The mortgage company has acted against me ( consumer ) with malice, shady and unfair practices, without due process and notices. It was a surprise to me that my mortgage company paid XXXX XXXX taxes : the date to redeem this is XX/XX/2020. I was aware and planning to pay off my taxes. Without my due knowledge and information, the taxes of {$12000.00} were paid in XX/XX/2020 by the mortgage company, from my escrow account of {$0.00} balance. Since then, no notice, information, or communication has been provided to me on how to manage that tax payment. My request for forbearance due to COVID-19 was approved, beginning XX/XX/2020 for 3 months, in an acceptance letter dated on XX/XX/2020 ; this letter clearly mentions my terms, to pay {$1100.00} per month. It is unethical and also could be illegal to raise my payment from {$1100.00} per month to {$5800.00} per month ; a raise of 518 %. It is a violation of Consumer Protection laws by not warning the borrower ; it is a tactic and a game play to inflict hardship added upon this COVID-19 crisis to the consumer. I received a second notice in regards to forbearance acceptance, dated XX/XX/2020, confirming for a second time my regular payment amount of {$1100.00} was beginning XX/XX/2020, for 3 months. I received a XXXX notice dated XX/XX/2020, that my monthly payment would be {$5800.00} per month, beginning XX/XX/2020. It is a clear violation of several laws, particularly the Truth in Lending Act ( TILA ).
Product: Credit card or prepaid card

Speaking of my experience with Bank of America. BofA 's Automated system ( not sure about other banks ) allows unauthorized access to another person 's banking and credit card balances, their list of expenditures and deposits by using that persons Social Security Number. An unauthorized user ( ex spouse, PI, criminal, anyone ) can access balance information as long as they are using the automated system only. Speaking with to a live person at the bank or by calling customer service prevents this as a two feature authentication may be requested and employed. Bank of America curently does not have an avenue to prevent this type of breach in security. A two factor security authentication feature is not available and does not have to be used with the automated system if you have a social security number.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient - incorrectly reporting student loans as late per credit car a - I have filed a dispute but in the meant time my credit score is plunging! Navient has the same account numbers for my unsubsidized loans and has mis applied payments in the past. In addition I requested a forbearance on XX/XX/2020 and They are now reporting loans as late that are protected by Covid 19 rules. I have also requested that all communications be in writing and send but USPS to my physical address.
Product: Debt collection

Collector has used an abusive/rude language/tone when have tried to contact me regarding an account with XXXX XXXX. They have called from XXXX and XXXX
Product: Money transfer, virtual currency, or money service

I have been trying to log into my Gemini account for a months now. I have reached out to them, they requested information which i sent and then there was no response. i still can not log into my account. 
It says my password is incorrect. i forget password and they send me a code to my email which i enter. This takes me to a next page where it says i am to " enter the we sent to '' but there is no number there, it is just blank! I need to log in to withdraw my funds. Please help
Product: Student loan

Hello, My name is XXXX XXXX. I XXXX XXXXXXXX XXXX in XXXX and started my XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. Due to several life-changing events leading to financial strains, I applied for XXXX XXXX XXXX XXXX which was accepted, when my student loans became eligible for repayment XX/XX/XXXX - XX/XX/XXXX. Since I am still struggling to pay several debts, have a high cost-of-living expenses, and effectively make minimum wage once you take into account how many hours I work for the salary that I receive, I applied once more for mandatory loan XXXX XXXX XXXXXX/XX/XXXX. 

The mandatory XXXX program allows XXXXl residents to delay making XXXX XXXX payments during their medical residency, as the salary during medical residency is notoriously low and the student loan and debt-to-income ratio for medical residents is generally quite high. A medical residency is required to practice medicine independently as a board-certified physician. The mandatory XXXX program is a federal program that can not be legally denied to XXXX residents. However, since XX/XX/XXXX I have submitted several applications to re-enroll in this program to delay making payments and have continually been denied by my XXXX loan servicer, MOHELA. 

I have spent countless hours on the phone trying to get clear answers on why my application has been denied, as I previously applied and was granted the forbearance the year prior without any issue and with the same documentation. Every time I call and I am told that I can not talk to a supervisor or XXXX and that they can not tell me the specific reasons for my application being denied other than " incomplete paperwork. '' When asked how the paper is incomplete, no additional information is provided with no further details. I have been advised to resubmit the exact same application without success, as the paperwork is complete and no different than the original paperwork successfully submitted and approved when accepted in XX/XX/XXXX. 

I work XXXX days a week and I am rarely off work during MOHELA 's hours, causing me to wait on hold for XXXX hours every time I call the loan provider every XXXX weeks since XX/XX/XXXX. I sometimes have to wait even longer, during the work day while trying to provide patient care. This has been financially and personally stressful and has made it difficult to perform my job when I can be working in an intensive care unit dealing with critically ill and XXXX patients, but I still need to call my loan servicer because I am unable to make the payments on these loans at this time. I would appreciate assistance from my local representatives in helping with this manner, anyway that they potentially can. I seem to be getting nowhere each time I call my loan servicer ( MOHELA ) and I know that I am entitled to the Mandatory Loan XXXX for XXXX XXXX With MOHELA 's recent class action lawsuits, it would not be surprising if they are pursuing inept customer service and shady business practices to avoid delaying payments when permissible. 

Thank you for your help, XXXX XXXXXXXX XXXX
Product: Checking or savings account

I bank with Bank of America. I have been with them for many years. One thing I have noticed for a long time is that they do not update account info/balances in real time over every weekend. I can look at their app on Friday and have x amount of money and use the card over the weekend and wake up Monday morning with a negative balance and several overdraft fees. Any other bank I have asked other people about update in real time regardless of day of the week. I feel that BoA does thing knowingly in expectation of profiting from overdraft fees. I have been charged 2 {$35.00} overdraft fees this past weekend, both occur on XX/XX/27 in the attached spreadsheet. If you also review the running balance column, you will see that my balance was never in a negative or overdrawn state. Trying to communicate with BoA is another ridiculous thing. They have about 5 % of their branches offering onsite meetings with dates available weeks in the future. If you call their XXXX number, the wait is always more than an hour and you often get disconnected. If I knew who to contact to file a class action suit against them, I would be pursuing that option. In closing, just let me restate, BoA does not update personal account balances and transactions over any weekend. In this day and age of digital living, I do not see how it is possible that BoA is not updating account info in real time.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc . ) due to inadequate customer service and unfair practices which violates the Consumers Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 601 A section 2 it also states a consumer reporting agency can not furnish account without my written instructions. Under 15USCS 1666B a creditor may not treat a payment on account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the ftc. Please see the attached FTC Report and remove the following unauthorized inquiries. 
XXXX XXXX experian XXXX XXXX XXXX experian XXXX experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian XXXX XXXX experian XXXX XXXXXXXX XXXX XXXX XXXX
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 TransUnion Credit Bureau 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 remove the following accounts completely from my Credit Reports : Late Closed XXXX XXXX XXXX {$0.00} Charge Off XXXX XXXX XXXX {$21000.00} Date Opened : XX/XX/2018 XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$4800.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX {$0.00}
Product: Checking or savings account

My deposit has not been made available, and Capitol One will not provide me with a reason, or with an idea of when the deposit will be available. Monday is a holiday, and this is now affected my ability to pay my bills on time and feed my children.