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

I sent a LEGAL Notarized affidavit to XXXX, Equifax , & XXXX disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For XXXX, Equifax , & XXXX to Provide physical verification of the original signed consumer contract.
I demanded from XXXX, Equifax , & XXXX to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt.
UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law.
Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.
Product: Student loan

XXXX  Uploaded Employer Certification Form to MOHELA website, requesting public service loan forgiveness. 

XXXX  Received letter from MOHELA acknowledging 120 qualifying payments made toward public service loan forgiveness. 

As of XXXX Ive received no notification verifying that my loan has been forgiven.
Product: Mortgage

After an already horrible loan application & origination experience with Better Mortgage for a purchase on a home & having obnoxious amounts of fees & charges mounted at the end & failure to have any upper management communication & /or assurances for weeks requested. I have received a mortgage statement that reflects a payment due date of XX/XX/XXXX & an interest rate of 7.000 %. I paid {$2900.00}. Closing documents were signed & done on XX/XX/XXXX. I reviewed my copies & sure enough somehow there was a change in terms & conditions after the deal was already done. I have already sent a message with the closing documents attached & my complaint directly with servicing as of today 's date : XXXX. I also did notice while setting up the borrower portal access that the due date is now reflecting correctly for XX/XX/XXXX which is a relief however there wasn't a new statement generated to correct the previous one sent on XX/XX/XXXX. I have attached the closing documents divided in to 2 files & the received initial mortgage statement.
Product: Mortgage

Bank of America has shown XXXX XXXX XXXX XXXX late payments for XX/XX/XXXX 2013 and we have the proof from the account breakdown that the payments were made but improperly shown to various other areas in the account ... they refuse to take care of this problem as we have made numerous calls to the supervisor XXXX XXXX at XXXX ... w/little or NO results
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Equifax has demonstrated a complete lack of compliance with the Fair Credit Reporting Act ( FCRA ). Despite submitting a prior identity theft report and CFPB complaint. Ive been a victim of identity theft, and Equifax doesnt care, these accounts was opened without my authorization. Under the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent account from all records within 4 business days after receiving this notice. Im not interested in delays or excuses. This account needs to be removed from all credit reports now. 
This negligence has caused ongoing harm, including wasted time, frustration, and financial insecurity. Equifax is not only violating the FCRA but also showing willful disregard for my rights as a consumer. 
Under the FCRA, once a consumer provides a valid identity theft report, credit reporting agencies are required to block or remove fraudulent items within four ( 4 ) business days of receiving the request. Reinvestigation is not permitted in cases of identity theft as specified in 15 U.S.C. 1681c-2 ( b ). 

Please remove fraudulent account ( XXXX ) and unauthorized inquiries. 
Account ( XXXX ) : XXXX  Account : XXXX Balance : {$53000.00} Date Open : XX/XX/XXXX XXXX XXXX Account : XXXX Balance : {$0.00} Date Open : XX/XX/XXXX Unauthorized Hard Inquiries : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].

Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within four ( 4 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certied Funds to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Debt collection

In XX/XX/XXXX my wife broke her ankle and has had several surgeries and has since become XXXX due to nerve damage which has caused XXXX and with that she has many medical appointments in which needs my assistance at home to tend to her daily cares. I had to quit my career as a electrician to be at home to help her with the daily activities and many doctors appointments for ongoing treatment of XXXX and for this there is no cure so it is extremely difficult to know how she will be able to tolerate the excruciating pain. I have usually had good credit in the past and due to my wife 's circumstances I have no choice but to let my credit be less of a priority and focus on my wife and this is someone that I have been married to for over 25 years. I am in hopes of your understanding of my situation and if I could of continued to make my credit a priority I certainly would have. I am sorry for telling my whole story here but this is what happened and I hope someday you may see how XXXX affects somebody 's way of life. I have one notice that I received for this so called debt that is said to be my responsibility and that was XX/XX/XXXX to appear in conciliation court XX/XX/XXXX, other than this I have not been sent any letter from the. Thank You for taking your time to read my letter
Product: Credit card or prepaid card

This Complaint is against Citibank regarding my Costco credit card account that Citibank closed. Citibank issued me a letter informing me they are not reissuing my card due to " a bankruptcy or charge-off on another credit card issued by Citi. XXXX A similar action has also recently been taken against me regarding my Citibank Diamond Preferred card I have had since 1990. I also filed a Complaint regarding that action and account. Citibank representatives indicated to me they have no authority to change this decision. I also have a Citibank Citi Advantage Credit Card about which I can presume a similar action will be taken. I have never been late or missed a payment on my credit cards- the longest of which is 32 years. I also have no history of bankruptcy. Citibank claims it " charged-off '' a Home Depot Credit card in the amount of {$13.00} which I had no knowledge of. I currently have a Home Depot credit card and currently use that card. Apparently, a second card was opened at a XXXX XXXX check-out register to which I had no knowledge of, and which I never used. Citibank continually charged minimum service/interest fees and eventually " charged-off '' an account that had a balance of {$13.00} and again, no charges of mine, as I never used this card. Citibank 's actions are unreasonable and place my credit status and credit report in jeopardy, and moreover, its decision, which seems to be based on computer methodology, is prejudicial and disparately affects long-standing customers like myself with an outstanding Citibank record XXXX and with a history of on-time payments and loyalty.
Product: Debt collection

This collection agency said I opened a Lowe 's Credit Card on XXXX. I do not shop at Lowe 's, I go to XXXX XXXX. In XXXX or XXXX, they told me the account was {$1300.00} something. Then it was {$500.00}, then the would settle for {$300.00} something. Now, it is {$170.00} and they are calling me over and over. I have 8 calls from today alone. They claim that I need to settle or they will take me to court. 

I called Synchrony Bank and they ran my name, phone number ( that I have had for over 20 years ) and then my social security number. They found that I have opened zero accounts with them and she said that even with my name and phone number it would have pulled up charged off accounts that they sent to collections. 

I have never had a Lowe 's credit card, or ANY Synchrony Bank credit card. The lady at Synchrony told me they have had the Lowe 's account since the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

God is Great I am being lied about Im married now And me and My wife has called I had a phone Stolen had Insurance!!! insurance received my money payed at XXXX site and never got a new phone in the mail So I called and they said you didnt have a phone stolen so I said I have a police report and you said the phone was not for sale now took off sells it the top of the line Terbite and XXXX phone with Insurance I payed my Deductible and never got a phone that was sent in the mail Amen and cant get my bank protection that I payed for
Product: Credit card

XXXX red card was closed without my knowledge due to my payment being returned due to my identity being compromised. I was also charged fees due to the return payment and was told they closed my account for returned payment. Ive been a customer since 2003 and never had any problems until my identity theft. This is an unfair practice to penalize someone for something out of their control. 

I was told I would have to reapply and I asked how that could be when this was out of my control. Very unhelpful customer service representative who didnt seem to care about this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has to be the 4th time I had disputed these same accounts with the 3 major credit bureaus all to no prevail. Every time the 3 quick uninvestigated response was accounts been verified. And now my response to that is what Method Of Verification did you use, inwhom was the deciding factor, what day, month, hour did you process these claims. What form of verification did you use, who made the calls, fax, etc., and inwhom did you speak with, what if any physical documentation do you have, I'm also requesting physical documentation as of my rights as a consumer in accordance with the FCRA laws. Here are the 3 accounts inwhich I'm seeking the Method Of Verification for .. # 1 XXXX XXXX XXXX XXXX {$3400.00}, # 2 XXXX XXXX XXXX {$110.00}, # 3 Account XXXX XXXX
Product: Payday loan, title loan, or personal loan

This company they say they are collectors from The Cash Store. But they are demanding money when they call and it can't be made after the phone call. Then they want to send to court house so they can have a warrant issued for me. But when I ask to make arrangements they refuse to send me paperwork by mail, they sent an email that said who I owed and that was it. 
They are calling people we don't even associate with. Plus family members we don't talk too. I have never out a family.member down as a reference. 
My husband is XXXX and when they call him it makes him go into a XXXX XXXX with the threats. Yesterday they demanded money before we hung up. I told them I had no idea who they was but they said they was legit but I'm not sending them money. 
Please have them stop calling us and other folks.
Product: Mortgage

A foreclosure on my property started in XXXX by Chase They first denied me, and then they ended up giving me a modification, with a payment that was very doable, only to find out that there would be a balloon payment due in XXXX of XXXX of approx. XXXX, which is unheard of - even the loan mod. rep. was surprised they gave me the modification. She said they should not have given me the modification with such a short term before the balloon payment. I made the first few payments, and then I put the house on the market and moved out in XXXX of XXXX. I did not get any offers that would satisfy the debt so the real estate agent started a short sale in XX/XX/XXXX. of XXXX. In XXXX of XXXX she essentially gave up and the buyers wanted out as well. I was moving to California in XXXX XXXX, XXXX, so I agreed to let them out of the deal, and I called the mortgage company ( Chase ). I told them I wanted to just give the property to them, possibly do a cash for keys. The rep. told me I had to 8 weeks from XXXX/XXXX/XXXX and them ask to have the debt discharged and possibly arrange a cash for keys. I waited the 8 weeks, but when I called they had sold the mortgage to SPS. The SPS real estate agent then called me and told me to turn the water back on and she was going to get it on the market and not to worry she had experience with short sales and would get the job done quickly. She got some offers, I accepted XXXX - again it was going to be a short sale. She told me it would be closed before XXXX. It was not. We had a freeze, the pipes burst, water was pouring out the front door for I do n't know how long. Ceilings caved, floors buckled, mold started forming. Nobody called me, they called the agent - who did not respond for a few days. In the meantime, the City came and turned the water off, but it had been some time. I only found out after my daughter went to visit a neighbor that this happened. Still the agent told me not to worry. The buyer would just put in another offer for a lower amount due to the damage, and we could still move forward, and if that did not work out she said she knew someone that wanted to buy it as is and flip it. About XXXX2 weeks later I found out it was condemned - again through a neighbor that happened to talk to my daughter. The agent still persisted. It is now set to be demolished by the City of XXXX. I have 10 days to respond and get a hearing date at my expense or it will be demolished at my expense. 

I told Chase and XXXX several times along the way I could not afford to take care of it, but they said they could not do anything else but move forward with the short sale. I begged them to take it from me - the rep. did not want to listen to anything I had to say. At XXXX point, the loan docs sat on someones desk ( in XXXX XXXX ) for about 45 days with no action until I started bugging them and the real estate agent. 

I have not made a payment for over two years! I do not understand why this is still my property. I could not afford to keep it, and I certainly can not afford legal counsel or the cost of demolition ...
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XX/XX/XXXXaccount [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Checking or savings account

I have accounts with : First Citizen Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ  XXXX XXXX XXXX XXXX I moved from my old to new address on XX/XX/XXXX I spoke with XXXX XXXX and asked him to update my address, he said he can't do it and told me to call XXXX XXXX. 
I called XXXX XXXX and was advised to write to First Citizen Bank  XXXX XXXX XXXX XXXX XXXX NC XXXX to update and add my cell phone number. 
Here is the copy of the letter. 

First Citizen Bank  XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX Change of address and add my cell phone XXXX XXXX I have checking account. Money market account and CD Checking account # XXXX Money market account # XXXX CD account # XXXX Old address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX, OK   XXXX Phone # XXXX XXXX New address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK  XXXX Phone # XXXX XXXX Please provide me the phone number for change of address. 

Sincerely, XXXX XXXX XXXX There is no response from them.
Product: Debt collection

Data Search, which as far as I know from what theyve told me, is a debt collection agency. they have continuously contacted me about medical debt after several attempts to have them stop. the last call I received a male was using harsh language and threatened to call my mother. I believe this is a violation because my mother doesnt need to know about my personal debts as I am an adult, and it felt extremely childish.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report states last payment XX/XX/2017 which is incorrect. Balance is incorrect. Payment history is incorrect. Due to medical issue a deferment was approved to avoid late payments. However late payments were still reported.
Product: Credit reporting or other personal consumer reports

Dispute of Unauthorized Credit Inquiries Dear [ Credit bureaus XXXX XXXX experian ] I am writing to formally dispute several unauthorized credit inquiries that have appeared on my credit report. Upon reviewing my reports from Experian, XXXX, and XXXX, I noticed the following inquiries that are not attached to an account I did not recognize nor authorize : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX card date ( XXXX ) XXXX XXXX date ( XXXX ) XXXX DXXXX XXXXXXXX XXXX date ( XXXX ) XXXX XXXX date ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX  date ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX date ( XXXX XXXX XXXX ) XXXX XXXX XXXX date ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX date ( XXXX XXXX XXXX ) XXXX XXXX  ( date XXXX XXXX XXXX ) These inquiries were made without my knowledge or consent, and I have not applied for credit, loans, or services that would warrant these checks. I believe these inquiries may be the result of identity theft or unauthorized use of my personal information. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be removed from my credit report immediately, as they were made without permissible purpose. 

Enclosed, please find a copy of my identity theft report filed through the XXXX XXXX XXXX IdentityTheft.gov website. 
Please confirm receipt of this letter and provide me with written confirmation once the disputed inquiries have been removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$980.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Debt collection

SENTRY CREDIT INC, XXXX XXXX XXXX, XXXX, XXXX  XXXX, is attempting to collect a debt that was discharged through a mediation order filled in XXXX XXXX ( Florida ) Small Claims court. The order was sent to Sentry Credit via email in XXXX and XXXX. The order was sent to XXXX and XXXX in XXXX. When Sentry Credit was contacted by phone they said that " it was not their responsibility to check with the original entity XXXX at XXXX XXXX, even though they knew the matter was in litigation. '' The impact of the reporting and attempt to collect a debt that is no longer owed significantly impacted my ability to obtain financing. XXXX and XXXX allege that the collection is verified, even though they have a copy of the order and can verify its veracity through the XXXX XXXX on-line system. Sentry Credit is alleging to the world that they are owed a debt that they are not, this is simply fraud. It appears that XXXX and XXXX are ignoring their responsibility to actual investigate disputes.
Product: Vehicle loan or lease

I originally purchase the car through XXXX XXXX on XXXX the loan amount was different and I had to come back in and resign for a different amount after I had already taken possession and they had sold my trade in so I was forced to keep the car. I was told that the payments wouldnt start until 6 months later then called 45 days into the loan telling me that I was late I was confused. My payments went up from XXXX to XXXX a month I my car was surrendered and they have sold the vehicle and still showing I owe the entire the balance and monthly interest being reported monthly which is affecting my credit. They are telling me this is legal.