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

I am writing to formally dispute the validity of a debt reported by XXXX XXXX XXXX XXXX for {$670.00} on my credit report. I am requesting your immediate intervention in this matter to investigate and remove the debt from my credit report as it is not mine. I have recently obtained a copy of my credit report from XXXX, XXXX, and Equifax, and I was surprised to find an entry for a debt from XXXX XXXX XXXX XXXX  listed as outstanding. I have thoroughly reviewed my financial records and can affirm, without a doubt, that I have never had any business transactions or contractual obligations with XXXX XXXX XXXX XXXX. I understand that under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to ensure the accuracy and verifiability of the information they report. 

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has been established to enforce the provisions of the FCRA and protect consumers ' rights. In light of the above, I kindly request that you initiate an investigation into the following matters : Provide a detailed verification of the debt, including the original creditor, date of inception, and any supporting documentation that substantiates the legitimacy of the debt. Verify that XXXX XXXX XXXX XXXX has followed all required legal procedures in attempting to collect this alleged debt. Confirm that XXXX XXXX XXXX XXXX has complied with all relevant statutes of limitations pertaining to the collection of this debt. Provide evidence of any contractual agreement or documentation with my valid signature, binding me to this alleged debt. I would also like to inform you that the inclusion of this erroneous debt on my credit report has had a significantly negative impact on my creditworthiness and financial well-being. It has affected my ability to obtain credit, secure favorable interest rates, and may have implications for future employment opportunities. I believe it is paramount to rectify this issue promptly to mitigate any further harm caused by this false reporting. Should this dispute not be resolved in a timely manner or if the debt is not conclusively proven to be valid, I will be compelled to pursue legal action to protect my rights under the FCRA, including but not limited to filing a complaint with the CFPB, engaging legal counsel, and seeking appropriate remedies available under the law. 

I appreciate your immediate attention to this matter and request that you provide me with written or emailed confirmation of the receipt of this dispute within 7 days from the date of this complaint. Additionally, I kindly request that you keep me informed of the progress of your investigation and provide me with a detailed response within XXXX business days. Thank you for your prompt assistance in this matter. I trust that the Consumer Financial Protection Bureau will act diligently and impartially to resolve this dispute and protect my consumer rights. I look forward to a favorable resolution and the removal of this incorrect debt from my credit report.
Product: Debt or credit management

Good afternoon CFPB, Monetary Financial Services made continuous phone calls and emails in attempt to collect a debt past due in which I can't pay due to job loss and not having income. The debt collections office continued to harass me after I stated the following " Please cease and desist all phone calls and emails regarding this debt. '' the threat of the phone calls after this statement were if I do not pay anything they will note on the account to hit my credit score and send me to collector for continued harassment. With this being said this is breaking the law and their representatives had no business contacting a mentally ill individual. I will need legal representation for this matter since I am discriminated and emotionally distressed with this harassment coming from this debt collection office I encourage the Bureau to look into this company and bring better resolution to why they are harassing people after being asked to cease communication.
Product: Student loan

Mohela is illegally charging accrued interest on my Federal student loans. I am on the SAVE plan and in forbearance. Per XXXX XXXX XXXX : If you are in the SAVE forbearance : As described above, XXXX has placed borrowers currently enrolled in the SAVE Plan ( previously known as the Revised Pay As You Earn, or REPAYE, Plan ) into a general forbearance because their servicers are not currently able to bill them at the amount required by a recent court order. Interest will not accrue under this forbearance, which will last until the legal situation changes or servicers are able to send bills to borrowers at the appropriate monthly amount. Furthermore, time spent in this general forbearance will not count for PSLF or IDR forgiveness.
Product: Mortgage

On XX/XX/XXXX, I closed on my home purchase with XXXX XXXX and the company immediately sold my mortgage to Chase Bank. The terms of the mortgage included an escrow account to cover the home insurance premium and property taxes in the XXXX of Massachusetts. Over the course of the XXXX tax year, Chase refused to pay my property taxes because, I was told, they were not receiving electronic tax statements from the town where I live ; so despite having the funds in my escrow account, and the fact that I sent copies of my paper tax statements to Chase, they would not pay the taxes, and I had to come up with additional funds to pay the taxes myself. This amount was approximately {$8000.00}. I spent the last year calling Chase to resolve this situation, but they still would not pay my property taxes. They indicated they would, they also said they would call me back at various times to let me know when the situation was resolved, but ultimately the bank has been unresponsive. As a result of the bank 's inability to resolve this, I am now in the process of refinancing my home mortgage at a substantially higher interest rate. In the meantime, I've closed the escrow account and was supposed to receive a refund in XX/XX/XXXX in the amount of {$9000.00}. For some reason, Chase split this amount into XXXX payments. I received XXXX payment for {$2200.00} in XXXX, but the balance of {$6700.00} is being contested because Chase indicates they mailed me a check ( to my old address ) in XX/XX/XXXX which I did not receive ( Chase did have my current home address at that time ) ; then Chase told me they sent another check in XX/XX/XXXX ( which I also did not receive, but Chase said that check has been cashed ). I've called Chase several times to request a copy of the canceled check ( front and back ) and the form needed to file for an investigation, but Chase is unresponsive. They keep telling me someone will call me back or they will send the canceled check and investigation form, but I'm getting nothing from Chase. My taxes are now due again the end of XXXX, and I need the remaining funds from my escrow account to pay these taxes on time. Any help you can provide is appreciated. Thank you.
Product: Student loan

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was a victim of Identity theft, someone had, opened over 7 accounts in my name one was XXXX XXXX XXXX XXXX XXXX. I do not know when the account was opened or, type of account I am assuming it was a credit card of services. I also contacted XXXX XXXX XXXX by certified letter, and also filed a police report, and a Identity theft report as, well as spoke to all three credit companys about the Identity theft, there was a block placed on my credit report. I am still trying to recover from this event that has shook me to my core. XXXX XXXX XXXX XXXX XXXX  did not remove the hard Inquiry that was placed on my credit report with XXXX XXXX XXXX they placed the Inquiry on my credit report on XX/XX/XXXX. I again am shocked that this is happening, and it is taken a toll on me mentally, and physically. To this day even after I placed a Identity theft alert on my credit report, I have two more Inquirys placed on my XXXX credit report XXXX XXXX XXXX XXXX  date XX/XX/XXXX that was not autherized by me, and WELLS FARGO CARD SERVICES also pulled my credit report from XXXX  on XX/XX/XXXX. I have to go to the social security office to change my social security number do to the outstanding damage this is causing my credit, and Identity.
Product: Credit reporting or other personal consumer reports

I just checked my credit and found some inaccuracies. The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). CRAs are companies that collect and maintain consumer information, which is then used to produce consumer reports. These reports may be used by creditors, insurers, employers, and others to make decisions about granting credit, loans, insurance, or employment. Under the FCRA, CRAs must take reasonable steps to ensure the maximum possible accuracy of the information they report. They must also correct or delete inaccurate or incomplete information. In addition, the FCRA requires CRAs to provide consumers with access to their consumer reports upon request. Finally, the FCRA protects consumers from identity theft and other forms of fraud by requiring CRAs to take reasonable steps to protect the confidentiality and security of consumer information. The FCRA is enforced by the Federal Trade Commission ( FTC ), the nations consumer protection agency. 
With that said! According to the Fair Credit Reporting Act, Section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete. This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any waythe burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report Furthermore, the XXXX XXXX standard is a common format for reporting credit information. Banks and other lending institutions use the XXXX XXXX standard to report information to the CRAs. The goal of the XXXX XXXX standard is to make it easier for lenders to provide accurate and consistent information to the CRAs. This, in turn, should help to improve the accuracy of credit reports. The XXXX XXXX standard was developed by the XXXX XXXX XXXX XXXX ( XXXX ) and is used by all major credit reporting agencies ( CRAs ). 

The information in my credit report is wrong! Therefore it can not be compliant with FCRA and XXXX XXXX standards because the information was never proven to be factual, so now I have decided that enough 's enough and will exercise my consumer rights. The following account allegations are either untrue, unverified and incorrect. Please remove them immediately or I will have no choice but to take legal action against you! Also! Federal law requires you to respond within XXXX ( XXXX ) days. 

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX, in our phone conversations you extended me the opportunityto proveto WFB CCS that the reasons WFB decreased my credit limit were false. By providing you proof with either a credit report or request a credit limit increasedwith your CCS team that involvespulling my credit report. In my conversation with the Manager, I specifically asked what your lookback period is ...? She responded, 12 months. I also asked fromwhat date? What date did you use onme? She replied XX/XX/XXXX, But I'm pretty sure it was XXXX XXXX, XXXX, Either way, you'll see, from the uploaded credit report with this complaint, that all collection accounts have a last reported date of XX/XX/XXXX which is outside the look back period ... in other words, not within your look back period of 12 months that is from XX/XX/XXXX to XX/XX/XXXX. ALSO! They are not opened. All collection accounts on my credit report are " closed ; '' and reported closed the same date last reported with a " zero '' balance too. 
You will also see duplicate accounts for the same collection accounts three months later dated XX/XX/XXXX showing the same original balances that are easily identify as duplicate reporting ... with same information that states closed with no balance owed. Again not any collection account is being reported within your look back period, showing opened or with a balance. Per your final letter on the matter, your reasons for decreasingmy credit line specially states : '' late payments or negative record in the last 12months. " and " recent late payment on credit report. " Take a look at the credit report provided and you'll see the information you based your decision on is false. 
In addition, all opened accounts are in good standing ; and I know they have been since they opened. Credit report provided shows you a look back period on satisfactory accounts as far back as XXXX. Regardless, none of the open accounts report any late dates ever or lates within your look back period .They all state paid as agreed. 
Moreover, take note that the credit report does not state how many times any account has been paid to zero. Your letter specifically states, '' low paymentto balance on WF credit card " ... only! Therefore, WFB CCS would knowhow many times I have paid it off to a zero balance and or paid down the balance. I have had my card since XXXX. I have most certainlypaid it off several times and paid down the balance many times in attempts to lower my debt. ************Furthermore, look at page17on my credit report, you'll see that the very next month XX/XX/XXXX I paid off the same Wells Fargo credit card account in question from $ XXXX a zero balance. *********************** So bringing the above to your attention, where are the late ( s ) payment ( s ) you supposedlysaid I had in the look back period ...? AND! How is it that I passed all other previous credit account reviews??? ... when I had open collections???
Product: Debt collection

I have paid off a car loan on XX/XX/2020, and there wasnt a notification of additional charges of that account. Currently doing a dispute to my credit record for that amount, the bank states 3 years later that there was an outstanding amount of XXXX, and the account status was changed to charged off. The bank institution does not submit in the last 3 years any invoice or letter requesting payment for any outstanding amount. 

That is a ilegal charge and Im not gon na pay any additional account without any evidence of the institution regarding any attempt to collect that new amount.
Product: Credit reporting or other personal consumer reports

By provisions of the Fair Credit Reporting Act, I exercised my right under the FCRA, section 609, and requested all information related to the debts listed on my credit report. I am entitled to all documents related to the item listed above. Including each original credit application and original contract containing my correct full name, address, and signature. If they can not verify all data including dates, balances, or any personal information by locating the original contract to validate a given item on my credit report the must remove the item from me report and have not done so. They have ignored my request to provide me with the original documents that they claim to used to verify my disputed account errors which means that they have NOT verified or you can not verify any account and under Section 611 ( S ) ( A ) of the FCRA-they are required to " .promptly delete all Information which can not be verified. This law is clear to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) they have failed to comply with this Federal Law.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from my credit file, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been deleted from my file immediately. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX Experian is reporting the listed account. This account item have multiple errors including Incorrect full name Wrong Address Wrong term Date Opened Incorrect Balance Wrong History Last Payment Made and Date Closed. 

Experian, XXXX or XXXX XXXX have not give me any verified proof of this account after multiple documented requests over 120 days. I am requesting Cfpbs support in helping me delete this account from my report due to my rights under the law. 


Thank you
Product: Checking or savings account

Wells Fargo opened a fraudulent account in my name. I spoke with a fraud department representative twice and she said it would be closed. The account has now been updated with my new address without my approval and has not been closed. The rep is now refusing to call me back when I get her voicemail. I never opened the account. I used to be a member but no longer am and havent been for 5 years. They said they couldnt tell why it was reopened. Wells Fargo has been know you open accounts in peoples names.
Product: Credit reporting 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, 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.

15 U.S. Code 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S. Code 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : {$4600.00} XXXX XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE ENGELHARDT. V GRAVENS ( MO ) 281 SW715, 719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST.
Product: Vehicle loan or lease

Car toal loss and Santader will not negotiate with me to repay to remaining balance of loan that was not covered by insurance. Santander has commited predatory lending by : 1. Risk based pricing - The price of the car was increased when Santander became the lender. I was told that the Santander would only finance if the loan was XXXX. 
2. Negative amortization - The car was purchased for a little over 20k but there is still over 17,000 that is left the pay on the loan. Most of the payment has been applied to interest. I also had a fee deferment when I was unemployed. I only requested one month but Sanrander told me that I had to have two which further increase the amount of payment that was applied to intertest. 
3. Loan packing - I was told that I needed to have the extended warranty on the car or they would not finance me. I was also told that gap insurance was included the car protection plan with the warranty, but it was not. 

I was also told that Santander has completed an interest modification, but the interest rate still remains the same and a smaller amount is applied to principal which allows interest to accrue and benefit Santander. 
Santander also has not sent me the contract which I requested two times two months ago. I requested a copy again on XX/XX/2018. 

I was very naive just out of XXXX school when I needed a car. Santander took advantage my ignorance and is holding me to an agreement that was made underpressure and false information. I
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently started to repair my credit with the assistance of XXXX XXXX. During my review of my credit reports there had been a hard pull by XXXX XXXX as a request by a Mortgage Company called Envoy Mortgage, located in XXXX Texas and it is a Military Financing Company. 

XXXX XXXX sent out letters to both XXXX XXXX and the Mortgage informing them that I had not applied for a Mortgage and that the information should be removed from my credit. 

To date I have not heard from the Mortgage Company and XXXX XXXX refuses to accept liability.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I applied for a title loan at the XXXX  located in XXXX Tennessee for {$450.00}. I paid off the {$450.00} loan on XX/XX/XXXX. On XX/XX/XXXX XXXX brought back my title for {$350.00} and did not close out the loan or payoff of {$450.00}. XXXX continued to charge me monthly fees on the {$450.00} which I paid off on XX/XX/XXXX. I have consistently left messages with the district manager XXXX XXXX who has not returned my calls. I've also tried to contact XXXX XXXX who is the President of XXXX and have not received a response.