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

My information may have been impacted by the Equifax, TransUnion and XXXX XXXX XXXX and XXXX have got into the hands of the wrong person Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : XXXX. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. 
2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law.

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Inquires XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 
If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Respectfully XXXX XXXX XXXX without prejudice
Product: Debt collection

I have attempted to get this debt verified for several years beginning in XXXX XXXX XXXX XXXX, and no response. In XXXX, the company sold this debt to another company which was not authorized to operate in the state of Georgia. None of my attempts have rendered the requested proof of me owning this debt. But, they have added several comments of my attempts of validity to my XXXX and XXXX reports, which have been difficult to remove.
Product: Checking or savings account

I open my account and created an online transfer of {$2500.00}. I did all the verification process, including the two small initial deposits made into my account. I moved the money from. I filed my first CFPB complaint on Sunday XX/XX/XXXX since they held my funds for more than seven days on an electronic transfer. Then they told me they had to investigate where the money came from and they had to contact my other bank to make sure that was my account and my money to move.. They have discriminated against me and not only that they canceled my online banking Tuesday morning, XX/XX/XXXX after I filed my consumer complaint with the CFPB. I was not allowed to have access to online banking anymore while they were holding my money and I had no way of knowing my money was safe along with them discriminating against me. They made me feel like I was a fraudster or committing a crime opening an account transferring my own money and I never received any interest for the time. My money was gone out of my account when they had it this whole time which is against a regulation. I asked to speak to the very rude ladies boss, and she told me it doesnt work that way, and she would not allow me to talk to anybody higher up than her.. I would like to see a lawsuit come out of this for holding funds longer than theyre allowed to and for discriminating against me making me feel like Im committing a crime.
Product: Credit reporting or other personal consumer reports

I checked my report and saw some inquiries from creditors that I never approved. I'm worried these might be tied to identity theft or fraud. Could you please look into these inquiries and take them off my credit report if they can't be confirmed as authorized? I've attached my letter to the Bureaus, but those inquiries are still showing up on my current report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX Employers : XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to fix a issue with BBVA Compass Bank ( XXXX XXXX XXXX ) loan starting in XX/XX/XXXX through XXXX and they said it was already fixed and they couldn't do anything else I entered into bankruptcy protection XX/XX/XXXX and BBVA COMPASS entered a " Failure to pay '' for the month of XX/XX/XXXX Im only asking them to abide by the laws and remove the failure to pay from my credit reports but they refused to remove it.

thank you XXXX XXXX XXXX XXXX.
Product: Checking or savings account

On the morning of XX/XX/XXXX I woke up to 2 emails from chime saying that a bank account had been made using my info. I did not request this and tried to work with them to close the account. After multiple attempts they finally did, but the fact that an account was made that easily is a testament to how poor their banking security is.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i sent equifax i sent in exhibit A. I clearly listed my full name, Full SSN Number, Full Address, Full previous Address, Full date of birth, The account and account number of the fraudlent account, what needed to be done in detail. Then in exhibit B Is my proof of identity which is my lease agreement and a picture ID. In exhibit C is the FTC report that i have sent to them, in exhibit D equifax sent me a letter on XX/XX/2020 ( WITH MY FILE NUMBER ON TOP OF MY NAME ) they stated they needed more information from me because they could not locate my file. But i provided everything they listed they needed and i forgot to mention i was denied to have an fraud alert placed on my report. This account is hurting my credit rating and needs to be removed from my report asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  report # XXXX Equifax report # XXXX XXXX  file # XXXX I am filing a complaint because XXXX, Equifax, and XXXX  have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( 11 ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that i have disputed. Please resolve this matter as soon as possible. Thank you
Product: Mortgage

In XX/XX/2020 when the pandemic hit, we called SunTrust to inquire about the process of a forbearance ( we are both realtors and needed to know how they worked for our clients as well as for us in the event the real estate market took a nose dive ). They explained the process but we never asked to be placed in forbearance, we never signed paperwork to do a forbearance, and we never missed a payment. 

In XXXX, we got a letter from SunTrust stating our forbearance was ending and asked if we wanted to extend it. We wrote back saying we never exercised the forbearance and told them to remove that from our record. Clearly, they didn't. 

We are now trying to refinance and are not getting approved because " we were in forbearance until XXXX. '' We've been on the phone and emailing daily trying to get SunTrust to send us a letter stating we were never in Forbearance but they wouldn't do that. They said they would only send a letter saying we cancelled in XXXX. 

Secondly, our statements show that there are Unapplied Funds. There has been no explanation for that. This is the second reason we are not getting approved for our refinance. 

Further, we received a letter yesterday from the XXXX  XXXX  Client Representative, XXXX XXXX ( who failed to return any of our calls ). Why do we have a home preservation client represenative if we aren't in forbearance????? The mortgage loan payment history she sent shows " suspense '' at each of our monthly payments. Why? 

XXXX  XXXX  - We never requested a forbearance, we paid on time every single month and we request a letter clearing us of this financially devastating erroneous status. 

We have spent hours and hours and hours trying to get it rectified and yet, we can not get a letter stating we never signed up for the forbearance. 
We are at grave danger of losing our lock and if we do, we will lose the opportunity to save {$2000.00} per month on our new mortgage.
Product: Mortgage

I obtained a 10-year conventional, fixed mortgage from my local bank in 2006. This loan was sold twice. The current lender is KeyBank in XXXX XXXX, KS, who purchased my loan from XXXX XXXX 6 months ago. The balloon payment ( approx. {$210000.00} ) is due in 10 days. 

A payoff statement was requested from XXXX XXXX at KeyBank, who added a {$850.00} " Admin Fee '' to the principal. I have no choice but to pay this unexpected {$850.00} fee, if KeyBank is to accept the balloon payment and close the account. I was never told about this fee until today. I reviewed my original loan documents and nowhere does it say that I will be charged any amount, let alone a {$850.00} fee, to pay off the mortgage. I have had a number of mortgages, both residential and commercial, and have never had to pay such a fee. The escrow manager says this fee is both improper and very excessive. In fact, she has never seen anything like it in her years in business. 

I asked XXXX XXXX at KeyBank to reverse that {$850.00} fee, but he refused, saying said it was necessary to cover " some legal expenses associated with issuing and filing releases ''. Please note that each of my 120 monthly mortgage payments was made on time and my FICO is XXXX. 

XXXX XXXX also charges a {$100.00} fee to revise the payoff statement ( such as changing the date ). The escrow manager says this kind of fee is very seldom assessed by banks, and would typically cost no more than {$15.00}. 

KeyBank is apparently trying to squeeze exorbitant, last-minute fees that were never due, simply because I have no choice, no time to dispute them and no recourse ( other than CFPB ). I believe that is behavior is known as extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on repairing my credit for about six months now. I have been consistently sending letters to Experian during this time, the first one being sent on XX/XX/2019. I am in the process of trying to get a home for my family and me, and the blatant disregard from Experian is hindering my efforts. I am trying to better myself and get a better job but Experian will not respond to my disputes so I'm not even sure if they are following the laws laid out for them. I have attached all of the letters I sent to Experian below.
Product: Credit card

On XXXX XX/XX/year>, XXXX XXXX. called both my home and cell phone to ask if I had applied for a credit card on XXXX XX/XX/year>- which I had not. XXXX XXXX put me through to their fraud/card services department and closed the inquiry and informed me it would take 5-10 days to file the notification of fraud. When I returned home on the same day, I had 4 new alerts from XXXX that a total of XXXX credit inquiries had been made on XXXX XX/XX/year> on my account. I logged into my Experian account and noted that they were XXXX XXXXXXXX, JPMCB Card, XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX. I called Chase ( JPMCB ) and they indicated that an application for a Chase Sapphire card had been submitted with my data. JPMCB also stated that they had closed the inquiry on their end already but I would receive a notification of this incident in the mail in 5 - 10 days. I tried to call XXXXXXXX XXXX XXXX but the number listed on XXXX did not work so I called XXXX to manage disputing the inquiries as they were fraudulent. XXXX sent confirmation that my disputes have been opened and added a Fraud Alert to my account. XXXX also recommended that I log a complaint with FTC.gov.
Product: Credit reporting or other personal consumer reports

I kindly request that you thoroughly investigate this matter to determine the accuracy of the bankruptcy entry on my credit report. If your investigation confirms that the information is inaccurate or can not be verified, I urge you to take immediate action to remove the incorrect bankruptcy entry from my credit report. This correction is essential to ensure that my credit report reflects accurate and fair information, as required under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit reports and noticed an erroneous account that need to be immediately DELETED. 

CAPITOL ONE has violated my consumer rights clearly outlined in 15 USC 1681.

As a federally protected consumer, I am well aware of my rights and more specifically my RIGHT TO PRIVACY within 15 USC 1681A ( 4 ). 

ACCOUNT IN QUESTION : CAPITOL ONEXXXX XXXX Re : Form 1099-C Cancellation of Debt I am writing to you regarding a matter of utmost concern regarding the inaccurate reporting of a charge-off on my credit report attributed to your agency. Upon reviewing my credit report, I discovered a charge-off entry which, according to the IRS, constitutes debt that has been discharged and subsequently utilized for tax benefits by your agency. It has come to my attention that your agency has been unlawfully reporting this information on my credit report, while simultaneously attempting to collect on the debt or maintaining a charged-off status.

As per the guidelines provided by the IRS, such actions amount to tax fraud, a serious offense which I am prepared to report should this matter not be rectified immediately. I hereby exercise my right to demand the immediate removal of this inaccurate information from my credit report. Additionally, I require you to provide me with a copy of the Form 1099-C related to this debt, to be sent to the address provided above or via email at your earliest convenience. 

It is evident that your agency has violated the maximum accuracy standards outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e ( b ). By reporting information that is demonstrably not 100 % accurate, your agency is in clear violation of federal law. Continuing to report this inaccurate information would only exacerbate the situation and would constitute willful violation of various provisions under 15 USC 1681s-2. Your company is also setting itself up for a civil liability suit under 15 USC 1681n for negligible non-compliance with a possible {$1000.00} expense for each violation as well as a suit under 15 USC 1681o for negligible non-compliance with even higher resolutions. 

Moreover, I have been directed by the IRS to file Form 3949A for illegal tax violations against your company in order to address this matter. I trust that neither you nor your Executive VP would desire to engage in legal proceedings over such blatant transgressions. 

I hereby demand that you take immediate action to notify the credit bureaus to DELETE this erroneous information from my credit report without further delay. 

Failure to comply with this demand will leave me with no choice but to pursue all available legal avenues to ensure my rights are upheld and justice is served.
Product: Other financial service

I had a contractor who fraudulently endorsed a third party check with my mortgage company 's endorsement instead of sending it to my mortgage company the contractor deposited it into his checking account which was JP Chase Morgan. My mortgage company then filed the appropriate documents which were affidavit confirming that the endorsement on the check was not their endorsement. JP Chase states that they are willing to return the said funds but claim that they will only do this if my mortgage company send them documents of my mortgage history. My mortgage company advised me against such an agreement stating that the affidavits from them should be sufficient enough to have the said funds returned and that what JP Chase bank is attempting is illegal. It is my belief that JP Chase is aiding and abetting the crooked contractor who believes that the unauthorized work he completed on my home should be offset from his fraudulent activity. In fact JP Chase refuses to communicate to my mortgage company as to why they are requiring my mortgage history. I know that the crooked contractor threatened to file a lien on my property if he did n't get paid which he is allowed to do on his own accord, but it looks as though he has involved his bank JP Chase in his criminal activity. He is more than welcome to file a complaint with his attorney for the unauthorized and shoty work he has done to get this situation resolved. JP Chase Morgan Bank is attempting to extend the process by asking for my mortgage history which they were aware my mortgage company would not agree to therefore causing a stalemate situation. My mortgage company believes that once JP Chase Morgan is in reciept of my mortgage history they will release the check fund to their client.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX I disputed with westlake they never investigated I dont have any account with westlake never signed a contract I dont have any signed contracts for Westlake financial
Product: Credit card

I have an Amex Card. 
I have set reminders to send push notifications and text messages 3 days ahead of when my bill is due, so that I can review it and pay it. 
Amex has repeatedly failed to send me these notifications, or sent them AFTER the bill was due and AFTER a late fee was assessed. 
I have repeatedly contacted them to ensure the notifcations are sent AHEAD of when bill is due. They have claimed to address this, but the issue keeps happening, and I am being charged money each month because of it. 
How many other customers is Amex failing to deliver reminders to, and then assessing late fees against.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX This account is being improperly reported, I have disputed this account with XXXX XXXX and XXXX and this account has been removed from my credit report due to not being able to be accurately and thoroughly verified. This is my third attempt to get this account removed from Equifax due to not being able to accurately and thoroughly verify this account. I have received no proof that this account is actually accurate. My FCRA rights has been violated due to the inaccurate information being reported and I will seek legal action per violation if this account is not deleted immediately from my credit report!
Product: Checking or savings account

I received a denial for a claim Ive done with XXXXXXXX XXXX within the the denial the reasoning was stated that XXXX XXXX bank has provided documentation showing that I authorized the transactions from the claim. In response I contacted the cfpb XXXX XXXX bank and got to the bottom of it by receiving documentation from XXXX XXXX stating that I do not have an account with XXXX XXXX. I ask how its possible for XXXX XXXX to contact my bank with documentation stating that I authorized any charges if I do not have an account with them XXXX XXXX is lying and have not received any documentation from XXXX XXXX at all and have denied my claim under false pretense. I have reported to cash app that I do not have any accounts with them and if there is any accounts in my information it needs to be removed I was told that I cant talk to a supervisor which is a right of consumer. I then explain that my rights are being violated by putting a company policy above my consumer right to a supervisor as well as the fact that I am literally calling to figure out how they are saying I authorized any transactions when I have not authorized any accounts with them what so ever I have even received new bank accounts from this situation because it proves that someone has access to my personal information. Im not sure why cash app is not responding in regards to this matter more professionally. Ive also learned of the XXXX equifax data breach as well as the XXXX national database data breach for which I have put security freezes on all three credit bureaus to protect personal information Freon further attacks
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is all my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of facts by me relevant to the request to block the identified transactions .The identified transactions are not information related to any transactions by me as the consumers. 
XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX. {$160.00}