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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a XXXX form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) XXXX, a XXXX form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a XXXX form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

My truck was stolen on XX/XX/XXXX the day after my birthday, crashed and left abandon. I went to police station reported my truck stolen and was told it was at the tow yard on the XXXX XXXX XXXX. I went to the tow yard recovered my truck that was damaged badly. I had it towed to a shop on XXXX and damages was excessed at {$10000.00}. I had my truck since XXXX and my payments was being made some behind, but I had caught up on my payments and spoke with Santander and XXXX about what occurred to my truck. I could not afford the repairs due to no insurance, so I asked Santander to go get my truck as a voluntary repossession. I had Gap coverage, so I reached out to Gap and weeks later I received a call from the XXXX Police stated Santander informed them my car was reposed. Then I later received information from Gap coverage that Santander reached out to them and informed them to discontinue my gap coverage due to repossession. Now i am left with a XXXX balance on my credit report. XXXX stated the truck was sold to a private lot for XXXX. I have not received any information on the difference since the truck was sold to a private lot and I do not understand why Santander lied about repossession of my truck.
Product: Credit reporting or other personal consumer reports

I would like the company to remove any these accounts due to me being a victim of identity theft and a victim of a nationally declared disaster due to flooding in Illinois.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get old addresses removed from my credit but it has been to no avail.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I checked my credit profile with all 3 Credit reporting agencies and noticed there were unauthorized inquiries. I sent out correspondences to all 3 in hopes of getting it resolved but to no avail. Particularly Equifax sent a letter stating the inquiry was valid but did NOT provide any documentation or proof validating this claim which caused me to file an identity theft report with the FTC.. Here is my report number XXXX
Product: Mortgage

1. Property Address :   XXXX   XXXX   XXXX     XXXX   XXXX  , NC  XXXX  : See Attachment A : Repeated Demand MANDATORY QWR response.
Pursuant to : 1. a : RESPA, 12 U.S.C. 2605 ( e ) ( 1 ) ( B ), b : TILA 15 USC 1641 ( f ) ( 2 ). c : TILA 15 USC 1641 ( g ) ( 1 ) a-e d : Saving Homes Act   XXXX   https :   XXXX   2. All Insurance policies associated with the subject mortgage and any TRUSTS, including but not limited to REMIC Trusts.
3. ID Theft notifications.
4. Explanation for perjury, fraud and fraud upon the court in case #   XXXX   Inre :  XXXX , SEC.gov and   XXXX   XXXX  ,   XXXX   XXXX  , clerk files and land records. see attachments a : POC b.Disputed/Denied Debt.
5. Explanation for contract failure ( s ).
6. Identify ALL Owners/Lenders/Trustees/Services and dates acquired.
7. Copies ( front & back of document ) a : Mortgage Note. b : Deed of Trust.
8. Copies of Form 1003, 1007 and Appraisal.
9. Copies of ALL BPO, Appraisals and valuations  XXXX  purported origination until   XXXX   XXXX   XXXX  .
10. An accurate accounting of all debits and credits applied to the purported mortgage transactions from origination until   XXXX   XXXX   XXXX  .
11.   XXXX   XXXX   is preparing litigation however the   XXXX   XXXX   XXXX  , Bank of America and misc servicers are refusing to identify MANDATORY information in order to allow ALL defendants to be litigated while attempting to notify VICTIMS of the bond certificate scam.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was scammed and sent a {$1500.00} payment on Zelle for a deposit on a car. I reached out to the " friend '' to get it back and was told it would be returned. Got blocked so I moved onto other options. Reported to both my bank and Zelle, and have not heard anything so far. I'm not sure what to do next.
Product: Mortgage

Sent a {$10000.00} check to Caliber Home Loans on XX/X/2016 and wrote on it " Apply to Principal ''. Never the less, they did not and according to my mortgage broker Caliber owes me approx {$5300.00}.
Product: Checking or savings account

I got a new debit card a week ago. I've called the number on the " sticky '' on the card to activate it many times now. I get a recording stating that my card has been mailed and delivered - no option to activate. After trying 3 phone numbers trying to get a human I'm told ( by recording ) that there's a longer than average hold time. Soon after this they disconnect.

I understand limitations due to COVID. However this has happened a few times before COVID even hitting XXXX. I call for days ( in the past ) and wind up getting a human at about XXXX XXXX. Also, my wife banks with XXXX. They have humans manning the phones. Why not US Direct Express? 

I got paid on XX/XX/2020 and have been trying to rectify this over and over on a daily basis. I filed a complaint with the XXXX. They determined that it was a valid complaint and forwarded the complaint to US Direct Express but they allow 30 days for a resolution. I can not wait that long. 

I'm not a litigious person. I've never sued anyone. If I could speak a person at US Direct Express I would assure them that they could count on a law suit. Their actions ( or lack of ) are reprehensible. 

COVID DOES matter to me! I have over {$1300.00} in that account but am unable to buy food, medications and necessary sundry items. I can't pay rent or anything else. It strikes me that it would be a good thing to be able to eat this month.
Product: Student loan

I became aware of having to recertify my REPAYE loan with Nelnet student loans. 
Prior to this these people have been great but due to misinformation, incorrect directions, and each person telling ( or not telling ) me what I need to know I now face the possiblity of almost a {$10000.00} capitalization on my student loans. 
After submitting form after form, time after time, without anyone helping me get this problem solved I finally, after mentioning I wanted to know if Nelnet had a corporate omnibudsman, I was informed there was a resolution center .... Wow ... 
Since all the calls are recorded I have proof and when I asked the supervisor who is held accountable and why should I have to have my interest recapitalized, she said that is an internal matter. the {$10000.00} I have to pay does not matter to Nelnet and they are going to force me to accept this even though it is their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXX XXXX   XXXX XXXX {$730.00} XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX {$53.00} XXXX XX/XX/XXXX XXXX* {$9000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX   {$5100.00} XXXX XX/XX/XXXX XXXX XXXX {$650.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$960.00} XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX$53.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$5100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud. A scam likely number called my phone informing me that I was approved for a loan and proceeded to get my information under false pretenses.The opened fraudulent accounts for XXXX XXXX, XXXX, and XXXX using a fraudulent address which I have never lived at. I have made numerous attempts to contact the company. XXXX XXXXXXXX, XXXX, and XXXX have not been able to verify the information according to the law and equifax, XXXX, and XXXX  have not deleted the unverified and fraudulent accounts off of my credit report. A fair resolution would be to have these fraudulent accounts deleted off my credit report permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents. I want the XXXX to start the investigation on these accounts that I am never late for but they're reporting me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXX XXXX XXXX XXXX, XX/XX/2018 and XX/XX/2018. All of which I still havent received a response. This is way past the 30 days the company has to respond
Product: Mortgage

We paid our home loan off with NationStar mortgage XXXX which turned into XXXX XXXX Mortgage on XXXX XXXX. We paid off our home loan in XXXX XXXX and have yet to see a title or a statement that we are paid off. I FEAR XXXX XXXX XXXX IS TRYING TO STEAL SOMETHING FROM US OR THE XXXX XXXX COUNTRY COLORADO COURT HOUSE IS UP TO NO GOOD. 

XXXX XXXX XXXX XXXX XXXX XXXX Loan Number XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XX/XX/XXXX Attn : Equifax Dispute Center Fraud Division XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX Dear Equifax Dispute Center, I am writing to dispute fraudulent accounts and inquiries on my credit report. I have filed both an FTC Identity Theft Complaint and a CFPB Complaint regarding this matter. I request the immediate removal of the fraudulent information detailed below from my credit report. 

Legal Basis for Removal : Under 15 U.S.C. 1681c-2, I am formally requesting the removal of the fraudulent accounts and inquiries, as I have been a victim of identity theft. This is my legal right to have inaccurate or unauthorized information blocked. 

From : XXXX XXXX To Whom It May Concern, I am writing to formally dispute the following inquiries, as I have no knowledge of them. 
I DO NOT HAVE ANY ACCOUNTS WITH THESE COMPANIES. There was a employee that went rouge and used customers information without authorization. 


Fraudulent Inquiries : The following inquiries were made without my consent. Someone used my personal information in an attempt to secure an auto loan. I request these inquiries be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Dispute this Thank you for your prompt attention to this matter. I look forward to the removal of these fraudulent accounts and inquiries from my credit report. 

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

In accordance with the Fair Credit Reporting Act XXXX XXXX act # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

The months in violation are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 says a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2020 XXXX : Remove Unauthorized Equifax Credit Report FREEZE To Whom It May Concern, With great urgency, I requested the removal of an unauthorized Equifax Credit Report FREEZE placed on my identity EFFECTIVE IMMEDIATELY on XX/XX/XXXX and XX/XX/2020. I I was asked to fax the below documents. I sent them twice via fax, the first time I was told they could not make out my Driver license and SSI Card, Blurry. I could not answer the computer generated question of the exact dollar amounts for the bank and student loans that grow in interest daily. I can not establish residency without the Freeze because I can not get water bill, electric bill. telephone, internet bill place in my name all agencies are using Equifax credit reports. My current property management company is paying my utilities as I can not but them in my name because of the FREEZE that I did not Authorize. I am being fined daily. 
XXXX  Dr Lic # XXXX SSI # XXXX New Apartment Lease signed XX/XX/2020 New Address - XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX  XXXX Previous Address - XXXX XXXX XXXX XXXX XXXX  XXXX I did not authorize Equifax Credit Report to FREEZE and to place an unauthorized FREEZE on my identity. 
I also was not compensated for the authorize Equifax Credit Report BREACHED, that apparently initiated this unauthorize Credit Report FREEZE on my identity. 

I called several time today XX/XX/XXXX, without success. Then I figured out how to get free Credit Report and they refuse to ask me the computer generated questions. Stating now extra measure have to be taken because you have called multiple times. PLEASE REMOVE EQUIFAX CREDIT REPORT FREEZE EFFECTIVE IMMEDIATELY TODAY XX/XX/2020 You can reach me by calling XXXX or by email at XXXX if you have questions regarding this request. 

Seriously Frustrated and Angry, XXXX XXXX
Product: Checking or savings account

In XX/XX/2022, I requested online to stop an auto pay to XXXX XXXX. A week after, I received a confirmation letter that a cancellation of auto pay has been processed. 

But on XX/XX/2022, upon review of my monthly statement, there was a withdrawal of {$150.00} in my account with ACH auto pay reference number. I called Citibank customer service at around XXXX XXXX, XX/XX/XXXX. I was transferred to another representative, who run a series of questions. According to this Citibank XXXX representative XXXX  has to process this reversal just by answering " yes '' or " no ''. 

I was actually surprised by this procedure because the last time I cancelled auto pay, all I need to do is go online and cancel the Merchant 's name. 

The last question, was " did you contact the merchant? '' My answer was no because I already informed of Citibank of the auto pay cancellation prior to being charge by the XXXX by at least a month before the charges. The Citibank customer service told me that the reversal was not approved because I have not contacted the XXXX. 

After this incident, I notified the merchant that I am cancelling the payment and their service ( XXXX  XXXX ). 

I think, since I requested a cancellation online and it was confirmed by a letter, the charges should be reversed. Citibank should reverse the charges.
Product: Debt collection

i am receiving threating calls from a company called XXXX the person contacting me name is ( XXXX ) he is stating that XXXX is trying to press criminal charges on me if i dont pay back this payday loan and they are coming to my job and house to summit paper for me to go to court and go to jail. there phone number they keep calling from ( XXXX )
Product: Credit reporting or other personal consumer reports

CFPB, Good morning someone needs to investigate Trans union, company they are continuing not to update information that I've explained to them. I'm missing 5 months of rent reporting. WASHINGTON REALSTATE I has sent TransUnion the missing information. Also I'm gon na upload attachments. My rent has been paid on time, my credit score has not moved and it's been 2 months enough is enough.
Product: Debt collection

On XX/XX/2022 I sent the first letter to Calvary Portfolio Services asking to validate the debt which I never received a response. Then on XX/XX/2022 I sent another letter asking for additional information which was ignored. Later on XX/XX/2022 I sent an additional correspondence informing them I would submit a dispute with the CFPB. This account has prevented me from using my credit in times of need. Adding stress to my life. This i=has taken longer then needed to be resolved.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year>, XX/XX/year> and XX/XX/year> Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXX  XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payments were made on time, as evidenced by bank statements and payment confirmation receipts, which clearly show that the payment was processed before the due date. 
Despite providing this evidence, the late payment was incorrectly recorded on my credit report. 
Even though I followed the correct dispute process per the Fair Credit Reporting Act, XXXX, Experian, and XXXX have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

tower loan contacted the individuals whom i put down as references in the event i could not be reached and shared information other than whomever was calling and a telephone number. they told they my loan was delinquent and legal actions would be taking if i did not contact them soon. they also called me multiple times per day alomg with my references. this is very unprofessional and a breech in company confidentially i also have a voicemail where information more than contact information was left amd received calls from cellphones before as well.
Product: Payday loan, title loan, or personal loan

I told the XXXX of Local finance XXXX to not contact my work place on XXXX XXXX if he or any of his employees needed to contact me. His employees still call my job regularly while I am in XXXX and can not answer. I am not allowed to receive calls at work and he has been informed that but they continue to abuse this by harassing my secretaries and staff while Im not available.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my 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 XXXXXX/XX/XXXX