23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received your letter dated XX/XX/XXXX denying my request for assistance and denying my appeal for reasons that are unreasonable, you stated you that you wouldnt review my loan for workout plan because I received several workout plans in the past and that is NOT true, I have not received any workout plan since XXXX and that XXXX workout plan offered by a total different servicer then it was AHMSI whom went out of business, I didn't accept that offer, it was not a good plan or affordable workout so I did not accept and kept the original loan and luckily my loan was transferred to many different servicers that that I did not even know who was my servicer at that time and who I needed to negotiate my loan with and or send my payments to then, beside all that I was XXXX XXXXy and I was XXXX XXXX and I had no one here in the state to help me legally with my mortgage negotiations, few I hired from overseas scammed me and took my money and never called me once. so please I had no options or even a chance to redeem myself and redeem my home, please give me a chance and work with me, put me on a trial payment, look at the nature of this loan I have now and current market values and just give me a chance so I can catch up and take a breath. I have a family that suffered severely from covid on top of it, I have lost my elderly mom to XXXX in XXXX and almost lost mine too to XXXX XXXXast year, give me a break and stop being harsh to us homeowners we never intend to default on our mortgage but this mortgage was a bad loan from the beginning and I was scammed to accept it and I wasn't knowledgeable then on what I was getting myself and my family into when I accepted it.. I have submitted application with XXXX  XXXX XXXX  and it's in review for loan for assistance. please work with XXXX XXXX to find the best scenario that can make this work and not peruse forclosure actions as its illegal, I have contacted XXXX XXXX and they said they and they advised me you need to send them orders to rescind this sale. we are military family and thank you again.
Product: Checking or savings account

On XX/XX/XXXX online banking Was having issues as it had in the past transfers were made from external account not knowing that the funds that I was transferring, were not there it seems fraudulent on Vystar part because I never received a call from the fraud department or anything when I spoke to someone member services they asked me where the money come from. I thought it was my deposit they said it was. Ive already got my deposit. theres been a discrepancy in my online baking for years. Ive been a member with them. They told me I could no longer be a member, which is wrong to me as a consumer and a member of Vystar credit union I still pay loans for my car. Im supposed to be a valued member, not being able to access my online banking and transferring money and them giving it to me was not at all fraudulent on my end but theyre in and theyre online app developer that has not fix the bugs in the online banking app is frustrating and there was a time in XXXX I could not access my account for months
Product: Credit card or prepaid card

CB/XXXX. I have had this account for like 6 years. I use it and I pay it on time regularly. 

On XX/XX/XXXX, I called in and asked what is the payoff amount so that I may close the account with a XXXX  balance. They told me the pay off amount was approximately {$85.00}. I paid the full amount immediately and they confirmed it would be closed. The payment went through. I confirmed with the rep that my account was closed and they closed my account. 

Three months later, I got a bill for about {$180.00}. I called them and they said that is what I owe but I told them that I already paid the payoff balance and that they closed my account already. What are the charges for? They said it was the late fee since it was not paid on XX/XX/XXXX. How can there be a late fee when I paid off the full amount balance and request the account to be closed and they closed my account on XX/XX/XXXX. 
The payment and closure happened BEFORE THE DUE DATE, so no late fees and interest should have been accrued. 

Now my account is reporting with a balance of {$250.00} for the late fees and interest accumulated over six months for an account that I paid off and closed. This is not how a business should be run. 

I spoke with representatives three times and even though they confirmed I paid off the account and closed it on XX/XX/XXXX, they still insist it was late on XX/XX/XXXX and that they will not remove the fees/interest unless I pay them. I feel these fees and interest are not my responsibility if I did my due diligence to pay off my account timely and in full. It seems like this is an error on their part and it is their responsibility to rectify it by removing all financial responsibility on my part and reverse any adverse actions to my credit history.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today andaccording to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/blockany items or information not later than 4 business days. Ive already included this in myprevious Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the agreement with Bank of America through a CFPB complaint XX/XX/2017 ), they have agreed to contact the appropriate consumer reporting agencies to report that the account was paid in full with a XXXX balance and that there was no prior history of delinquency. This was fulfilled with XXXX and XXXX, but still remains on the XXXX credit report.
Product: Checking or savings account

My direct deposit was supposed to be in my checking account and it wasnt
Product: Debt collection

I received a letter from Citizens One Personal Loans saying I did not pay my monthly payment of {$480.00} on XX/XX/XXXX. I have no idea what this is about. I did research and it did not appear it was fraudulent. I called them and the person in the Late Payments Recovery Department said they do not see me in the system and would transfer me to the Billings Department. They said it from from an XXXX XXXX purchased XX/XX/XXXX. Unfortunately I gave them the last 4 of my SSN. I then called XXXX and they said it is a phising scheme. My account had nothing due on it. I'm not going to call the company again. They suggested I file a complaint here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank t o refund {$700.00}  XXXX  to credit card customers for unfair and deceptive practices.     I did not receive any refund from  Citibank eve n though i enrolled in  Identity Monitor s ervice in the service from  XXXX  to  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Good day- I would like to inquire on how/why there is a balance with XXXX XXXX. I sent in several letters that indicate that this was fraud. 
You removed it off my credit file. 3 years later you tell me its had been validated and its not fraud. No one can tell me why its not fraud, can not send me anything with my original signature, on even a charge but its still on my report with an open balance. 
Can you explain how can something be charged off and have a balance? If its charged off then it was then written off as bad debt by the company and in this case it would be XXXX  XXXX. SO if its written off by XXXX XXXX, why am I showing a balance on something that was already written off the companys profit and loss statements? Im in the process of looking for a place to live and they pulled my credit report, and it was denied due to XXXX XXXX. 
So Experian is not actually verifying the legitimacy of the reporting, they are basically relying on the furnisher to ensure that this is correct. THE FCRA compliance bulletin XXXX requires hat furnishers conduct a investigation of disputed information. How can this have been completed if it still is not Metro 2 compliant? Can someone please let me know.

That is not the law. 
If you look back, you can see that this happened, and it reappeared after it being removed. Per my research I should have received a 5-day re-insertion letter which was not sent or received, and by law it can not report on my report. REMOVE OFF MY REPORT AND SEND ME A NEE NEW REPORT WITH THE DELETION> Again, you are reporting this and its inaccurate. MY children and I will be on the street due to this lie and its crazy. You are supposed to verify all information, and this has NOT been verified or anything. This mistake is hurting my kids. Please correct this now. 

Please assist in removing this from my report.. 
Thanks XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, 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 also states a consumer reporting agency can not furnish an account without my written instructions.15 U.S.C 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX Balance : {$160.00} XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

I have wrote letter on two different occasions, XX/XX/XXXX  and XX/XX/XXXX  informing the company that they were reporting incorrect names that were not mine and incorrect address that are not mine on my credit report. As of today XX/XX/, I have not received a response acknowledging my request and the incorrect information is still being reported on my credit report. I would like for the incorrect information to be deleted immediately before it causes some hinderance to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I emailed my Mortgage Loss Mitigation advisor at Cardinal Financial Company, XXXX XXXX XXXX XXXX XXXX to verify that I had began making the trial payments for my Mortgage Modification that I was in the process of. 

On XX/XX/XXXX I spoke with XXXX of the Collections department, who confirmed that Cardinal had been reporting me late every month for the last year even though I had been in a mortgage modification program and was not delinquent. XXXX advised that I would have to write a letter because there was no one that she could transfer me to. XXXX acknowledged that my XXXX payment, which is currently being reported as late, was due on XX/XX/XXXX and payment in full was received on XX/XX/XXXX ; yet Cardinal Financial Company reported me 90-days late for my XX/XX/XXXX payment. XXXX acknowledged that I should have had some special reporting on my credit bureau that showed that I had been working with Loss Mitigation for my mortgage from XX/XX/XXXX - XX/XX/XXXX therefore nothing negative should have been reported and I should have had notes put on my reports of the such. This did not happen. 

I met all the payment arrangement guidelines to warrant receiving a modification of my mortgage. I have not been over 30 days late on my agreed modified mortgage payments with Cardinal since the agreement began but I am actively being reported as over 90-days delinquent of my mortgage payment every month for the last year and this is not right and it's inaccurate reporting.
Product: Credit reporting or other personal consumer reports

There are several accounts listed on my credit report that do not belong to me. This is not only unfair but also deeply concerning, as I have never authorized or been involved in any of these actions. If you fail to investigate these accounts and correct this error, I will be forced to take legal action.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Todays date : XX/XX/XXXX RADIUS GLOBAL SOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RADIUS GLOBAL SOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the findings of your recent investigation into XXXX XXXX XXXX XXXX XXXX XXXX. Your investigation, as outlined in your correspondence dated XX/XX/year> failed to meet the standards required under Section 1681o of the Fair Credit Reporting Act ( FCRA ). 



Under Section 1681o, consumers are entitled to recover damages resulting from negligent noncompliance with the FCRA. Your failure to conduct a reasonable and thorough investigation constitutes a clear violation of this statute. Specifically : 1. Failure to Investigate Submitted Evidence : I provided [ list specific documents, evidence, or supporting materials ] on [ date ]. This information appears to have been ignored or inadequately reviewed during your investigation.

2. Inaccurate or Incomplete Findings : The conclusions reached in your investigation do not align with the evidence I provided or the facts of the matter.

3. Negligent Noncompliance : Your investigation process did not meet the standards required by the FCRA, as it failed to reasonably ensure the accuracy and integrity of the reported information.

I request that you immediately re-open this matter and conduct a proper investigation. Additionally, please provide me with a detailed explanation of the steps taken during your initial investigation. If you fail to address this issue adequately, I reserve the right to pursue legal remedies as provided under Section 1681o, including recovering damages caused by your negligent noncompliance. 



Please confirm receipt of this letter and provide a response within [ state a reasonable timeframe, e.g., 30 days ], as required by law. Should you require additional information, feel free to contact me directly at XXXX XXXX 



Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit report act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit reporting leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against experian alleging systematic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. Where experian has neither corrected or removed. I am requesting immediate correction to remove or amend these disputed accounts. As experian Id inaction violates federal law and my rights as a consumer
Product: Student loan

XX/XX/2023 I entered my bank info, it never left my bank account, so I paid it again on XX/XX/2023. On XX/XX/2023 I asked for the reason of my payments being rejected, they stated I was in fault for entering my information incorrectly. I gave them my information over the phone, still rejected my payment. On XX/XX/2023, the day I am writing this, they sent a rejection letter and I tried using my checking account instead of my savings.
Product: Credit reporting

First off, thank you so much for helping me. My Cell is XXXX I have a pre-trial appointment XXXX/XXXX/2015 @ XXXX XXXX XXXX XXXX XXXX XXXX. I would have gladly settled or paid this debt if it were mine..i swear on my life. The original creditor XXXX XXXX ( i currently have XXXX credit card from them in excellent standing ) & i had never done business until 24-36 months ago, when i first obtained a credit card from them. My legal name is on everything i own, owe on, etc. as XXXX XXXX XXXX. My closest friends call me XXXX, not XXXX & i never lived at the XXXX address this account was associated with. I am being threatened by this outfit & the lawyers of XXXX XXXX, XXXX XXXX XXXX XXXX. I have had to use pto days off & pay {$65.00} dollars to file, certified letters to attorneys, for a debt i do not owe. Sorry for complaining, i try to keep in mind my blessings each & every day, but how they are doing me is wrong. I will gladly pay whatever is mine, but this is not only not my debt, it was from 10 years ago. Thanks so much & please tell me what i should do next. 
-- XXXX
Product: Payday loan, title loan, or personal loan

I applied for a personal loan through Title Max located in XXXX XXXX, Texas. The total loan was {$1500.00} and I was told I would have to pay back a little over {$2500.00} including interest. I have now been paying on the loan since XXXX and have paid {$2500.00} but still have an outstanding balance of {$2000.00}. I contacted the customer service number and they advised to me to read my contract. I advised them I read the contract with the loan person and agreed I would pay back the {$2500.00}. I dont know what to do now. I can not afford to keep paying this loan. If I do, I would have paid over {$5000.00} and I know I wouldve NEVER agreed to that.
Product: Vehicle loan or lease

This is now the SECOND complaint since last month ... ..ALLY BANK is continuing it's harassment involving getting the Title to the van I paid off 16 MONTHS EARLY ... ..on the other complaint I received the usual sarcastic letter saying that they will ABSORB THE {$1.00} LOSS and told me that I have to go to the DMV to get the Title ... ..I stated in the first complaint that ... .I NEVER HAD TO DO THIS WITH THE OTHER FOUR NEW VEHICLES I PAID OFF OVER THE YEARS! They stated that in Missouri I just go to the DMV and do it there ... ... ... .ANOTHER LIE BY THIS BANK!!! I drove the 40 miles to the DMV office and they said ... ..THE BANK HAS TO SUPPLY THE TITLE ... .THEY JUST NOTARIZE IT AS OFFICIAL WHEN I BRING IT IN WITH THE LEAN RELEASE!!! This is the same type of run-around I've been getting from this Bank for THREE YEARS!!. 

ONCE AGAIN, CAN YOU PLEASE GET THIS POOR EXCUSE FOR A BANK TO SEND ME MY TITLE... ..IT 'S BEEN 8 MONTHS SINCE I PAID OFF THE LOAN. Again, if you go on line to the BBB or their Social Media pages, you will see that they do this OFTEN, especially for folks that pay their loans early or have some sort of dispute with them, as stated in the complaints. PLEASE HELP ME WITH THIS, I DON'T KNOW WHERE TO TURN.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally file a complaint regarding the handling of my recent loan application with Upstart, which I accessed through XXXX XXXX. Initially, I received a notice on XXXX XXXX indicating that I was preapproved for a {$40000.00} loan. However, upon submitting my application, the loan amount was reduced to {$21000.00}. I accepted this revised amount and provided all the required documentation. 

Throughout the process, I received multiple emails requesting additional information. I complied with these requests XXXX times, providing explanations and the necessary documents. Despite my efforts, my application was ultimately denied on the grounds that you were unable to verify my income. This is perplexing, as I submitted XXXX years ' worth of personal and business tax returns, bank statements, and pay stubs, fulfilling all the requirements. 

The reasons provided for my denial were as follows : " We were unable to verify your ability to repay the loan based on your current obligations and income. '' " We were unable to verify your income. '' These reasons are not accurate, as I do have verifiable income and a good credit history with no late payments. The handling of my application has been misleading, and I feel that I have been unfairly discriminated against.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I contacted XXXXXXXX XXXX XXXX XXXX regarding their account on my consumer report. I requested a validation letter, verification, any and or disclosures or signatures stating account ownership. CFPB COMPLAINT ID : XXXX None of the documentation was provided. I request for this account to be removed from my account. I have consumer rights, anything information on consumer report must be accurate and complete. I have consumer privacy rights. 

FTC ACT FCRA ACT THE TRUTH LENDING ACT PLEASE REMOVE THIS ACCOUNT FROM MY CONSUMED REPORT IMMEDIATELY.