23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I 've requested Validation of the alleged debt owed and they only continue to send me the same canned response collection letters and collection letters in another language, looks like XXXX, which only tells me they are ignoring my requests.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized credit inquiry that appears on my credit report dated [ XXXX XXXX ]. The inquiry was made by [ CITI BANK NA BEST BUY ] without my consent or knowledge, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section 604. According to my records, I did not initiate any transaction or authorize [ Company/Entity Name ] to obtain my credit information. I request that the CFPB investigates this matter and ensures the immediate removal of the inquiry from my credit report. I have attached relevant documents that support my claim.
Product: Credit reporting or other personal consumer reports

I am writing regarding an inaccurate amount reported on my current credit report from XXXX and Equifax regarding an auto loan through XXXX XXXX. Despite my efforts to resolve this issue directly with the credit reporting agencies, the discrepancy remains unresolved. 

The specific details of the account in question are as follows : Creditor/Financial Institution : XXXX XXXX XXXX XXXX Owed : {$10000.00} Correct Amount Owed : {$7800.00}
Product: Debt collection

Never received a bill from XXXX XXXX, XXXX, MD because when I signed up for XXXX mini box for my XXXX Tenant in my townhouse in XXXX XXXX, Md, I gave the XXXX Clerk my service address in XXXX XXXX and my home address in Florida to send the {$3.00} a month bill. I never received any bill ever. I was told that XXXX had been sendng the bill to my XXXX XXXX address ... this house has been a rental for past 40+ years. I have never lived there. XXXX told me that was their fault and they would take care of it. 
I later discovered all XXXX of my credit reports had a collections notice of {$180.00} balance I owed. I called XXXX many times and was assured this would be completely removed. I call the Credit Management collection company and told them what happened and also told them that I had never received any collection notice letter. One of their managers said they would removed it completely. I have called and complained many times to both XXXX and to Credit Management and the only thing was done was the {$180.00} was reported as Paid Collection and the Notice reporte as Closed. Neither of which does anything to totally remove this whole Collections Notice from all XXXX of my credit reports from XXXX, XXXX and XXXX XXXX. I was also told by Credit Management that under Federal Law I was entitled to get a written notice of the Notice having been filed against me, which I never did. Will you please help me get it removed from all XXXX credit reports as soon as possible.
Product: Mortgage

Wells Fargo has damaged my first time home buyers experience. My loan originator was awesome, very courteous and answered as many questions as he could. However, my loan processor was very unprofessional. She lacked communication throughout my home buying process. I submitted 59 total documents to my portal and that was not good enough. I called her 9 times in 7 days, with no response and no returned email. I was one week away from my closing and she would not answer or return my calls or emails. I reached out to two of her direct managers on XX/XX/11 with a very detailed complaint via email. I have yet to hear from either. I spoke with someone on Friday, XX/XX/XXXX and he informed me that my application was declined due to " decreased assets ''. I told him that's impossible, my accounts tripled since the time we applied for our mortgage. He informed me he would reach out to underwriting to make sure the information was correct and call me back. I have not heard from him since then. I informed him, that the denial reason is incorrect and it leads me to believe that my husband and I have been discriminated against. I have no received a denied '' letter yet to see the reason for denial. However, I can only go off of what he told me. In addition, I told him to look up my statements from XXXX and XXXX to prove my assets increased with in that time frame. It is completely unacceptable to lie and say I was denied for something and I can prove you wrong. There was no sense in urgency working with Wells Fargo. They don't care about whats important to the customer, deadlines and obviously closing dates. This has been the worst experience of my life, the worst customer service I ever received. I did not feel valued. I felt discriminated against. I felt like they asked for more documents from me than they would of someone who's a different race. I have asked someone who just mortgaged through wells Fargo whose credit score and assets are the same as mine and she only had to submit 19 documents. However, I had to submit 59, and I was still denied. I will never recommend Wells Fargo to anyone for a mortgage. They will make your experience the worst ever. At this rate, they are asking for another lawsuit! This proves why they're consistently in court for multiple settlements. They do not know how to do right by their customers. On the other hand, I went through another lender and was approved in two days with a mortgage to commitment letter on the 9th day. Someone please explain the racism and discrimination from this company. Its absurd and illogical. If Wells Fargo can not prove to me that my assets declined, and that was the reason for my denial, I will be looking to pursuit legal action for discrimination. This is in violation of the HMDA ACT, Fair Credit Reporting and ECOA.
Product: Debt collection

On XXXX, XXXX, 2017 I found out that a " Bank Levy '' was placed on my XXXX XXXX account by Rubin & Rothman LLC. Placed a hold on all my account funds & Deduction of {$450.00}. I was never summoned to court or sent a letter to dispute or for debt to be validated before placing a " Bank Levy '' on my account, causing me severe financial difficulties and more fees to other bills that I had paid and were returned due to Rubin & Rothman LLC placing a Bank Levy without any prior notification or writing notices. I feel my consumer rights were violated by Roth & Rothman.
Product: Mortgage

On XXXX/XXXX/16 I contacted US Bank to request payofff amount for my US Bank HELOC. On XXXX/XXXX/16 sent check via USPS Certified Mail for payoff amount as of XXXX/XXXX/16. USPS shows check delivered on XXXX/XXXX/16. Check not cashed as of XXXX/XXXX/16, called to inquire, was told checks take 3-5 days to process, would not be charged the per diem ( {$16.00} ) for the processing time, account would be {$16.00} each day for the 2 late days ( payment was sent for payoff as of XXXX, but USPS Certified Tracking shows delivery on XXXX ). As of XXXX/XXXX/16, check still not cashed. Called to inquire evening of XXXX/XXXX/16. Was told check was submitted for incorrect amount ; check had been returned to me in mail that day. US Bank held the payoff check from XXXX through XXXX, never tried to contact me. US Bank claims the per diem of {$16.00} is owed for each day they held the payoff check ( XXXX x 9 days between XXXX and XXXX ). Check was written for payoff date of XXXX, and I should pay {$16.00} per diem for the 2 days after payment was made. It appears US Bank deemed the check to be insufficient to pay off the loan ; did not submit the check for payment ; held the check for 9 days without contacting me, all in an effort to hinder paying the loan off in order to continue collecting the {$16.00} per diem. This action is underhanded and should not be allowed.
Product: Student loan

Aidvantage keeps sending requests for loan repayments while i was still in school in XX/XX/23 and XX/XX/23. Finally got put back in to inschool deferment after much time with customer service. They made it clear that after I graduated in XXXX, I would have 6 months before I would have to start making payments. I started receiving emails about repayments again in XXXX and in XXXX of XXXX. I just called and after an hour I finally talked to somebody who told me that the XXXX grace period was with only be for the last XXXX semesters and I have to start making payments on the prior semesters because the grace period on those had already been used. I was not told this before. She offered a forbearance and I asked what are the negative side effects of this? She stated " there are none ''. I then asked about accruing interest on the loans during this time and this is when she finally says oh yes you have to pay interest. I consider this a negative side effect that she withheld. I found the customer service at this company to always take a long time to get on the phone and put me on hold often, and to not be forthcoming with information.
Product: Checking or savings account

Wasn't able to activate my personalized XXXX XXXX  account
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Bankruptcy Case Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

10. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX/ Account Number : XXXX Delete this account. 

11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/ Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAMES : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX EMPLOYER : XXXX XXXX XXXX INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYER : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX EMPLOYERS : XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX 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

XXXX XXXX, has a charge off account reporting on my credit profile negative, I have never had an account with this company. They have refuse to respond to my debt validation letter, and proof of claim
Product: Credit reporting or other personal consumer reports

I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. 

However the credit bureaus said the completed the investigation and everything was 100 % accurate.

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation? This is considered fraud and against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I never got notification in XXXX about a judgement filed. Only got notified after they got a judgement. 
I never got a validation form after 1st contact. 
I never got information on how I can dispute the debt. 
I never got an end date for the 30 day period. 

I believe this case is beyond the statute of limitations in Ohio. Original filing in 2011. This debt is 12 years old.
Product: Mortgage

I closed on a refinance transaction in XX/XX/XXXX with Guaranteed Rate I paid my first payment to Guaranteed Rate, the institution that originated my loan. 
Subsequently my loan was sold to CMC Funding The second servicer, CMC Funding, stated they did not receive the payment from the original servicer, Guaranteed Rate. 
I provide documentation that I paid the payment from my acct. 
The documentation was provided to the second servicer, CMC Funding on XX/XX/XXXX & XX/XX/XXXX. 
On XX/XX/XXXX I was told the issue was not resolved by the new servicer and the " ticket '' had been closed. 
At this time I provided the information again and now they are reporting as 30 days past due for my acct. This month is will be 60 day past due. 
This is negatively impacting my credit rating and they are not assisting in resolving the issue. 
I am told by CMC Funding to wait and they will contact me when they resolve the issue. 
I am not at all confident this issue will be resolved timely given the way the situation has been handled so far.
Product: Credit reporting or other personal consumer reports

In accordance with THE Fair Credit Reporting act CXXXX XXXX XXXX XXXX XXXX Re Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations rela
ted to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b (
Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Debt collection

I sent a letter to XXXX asset strategies in XX/XX/2022 asking for verification of an alleged debt. 

They responded to me by mail in a letter dated XX/XX/2022 stating that they determined that the debt was valid and included a statement of account stating that this is all that the " original '' creditor is able to provide for them at this time There is nothing indicating that htis belongs to me, I asked them to provide something showing that I am/was in contract with XXXX or with the alleged debt with XXXX and they sent neither.