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

Enclosed with this complaint, you will find copies of my dispute letters sent to the Credit Bureaus. I have been disputing with XXXX, Equifax and XXXX since XX/XX/year>, of this year. Thank you for your attention to this matter. I look forward to your guidance and assistance in resolving this issue. 

Despite my follow-up letters that I have mailed out on several occasions the Credit Bureaus has failed to conduct a proper investigation or correct the errors as required under the FCRA, specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ). These actionsor lack thereofare clear violations of federal law, as credit reporting agencies are mandated to ensure the accuracy of the information they report and to investigate disputes within a reasonable timeframe. The continued inaccurate reporting has caused me significant financial harm and emotional distress, as it negatively impacts my creditworthiness and ability to obtain credit.

Thank you for your attention to this matter. I look forward to your guidance and assistance in resolving this issue. 

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

On XXXX/XXXX/2017 I submitted Equifax a letter asking them to correct and update to the following address and to this day they have yet to respond ...
Product: Credit card or prepaid card

On XX/XX/XXXX subject used my personal information to contact XXXX XXXX XXXX XXXX XXXX to have replacement card shipped to an address other than mine - XXXX XXXX XXXX, XXXX, OH XXXX. The subject than made ( 3 ) seperate purchases of {$1000.00} each totalling {$3000.00} at XXXX  XXXX XXXX in XXXX, OH. These transactions took place on XX/XX/XXXX at the hours of XXXX, XXXX & XXXX. On XX/XX/XXXX at XXXX XXXX I was notified by text message that Wells Fargo had received these charges. I immediately telephoned Wells Fargo and stated that these charges were not mine, request an investigation into the fraudulent charges and requested that the account be closed. It was n't until XX/XX/XXXX that I received a message on my online bank account notifying me that on Wells Fargo had shipped a replacement card to an alternate address in XXXX, OH. I do not recognize this address and have never been to XXXX, OH. On XX/XX/XXXX I filled a police report with my home town XXXX XXXX Police - Case number XXXX reporting the identity fraud. On XX/XX/XXXX I  received a letter from XXXX XXXX XXXX that they rejected my claim that these credit card charges were fraudulent and that I was responsible for their repayment.
Product: Credit card or prepaid card

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX with no successful resolution. XXXX   only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.
Product: Credit card or prepaid card

Hi, I called Citi Bank on XX/XX/XXXX to downgrade my current credit card with them for a card of theirs with no annual fee. After 10 minutes in the automated system trying to talk to a customer service representative I got to the cancel you card thing, thinking thats when I would talk to a customer service representative I went into that many, and the card got cancel with no verbal confirmation. I was told that my card couldn't get downgraded with out verbal confirmation but some how it got canceled with it. I was able to get to a customer service rep right afterwards but it was canceled. I got passed around to 3 reps and finally they said I could appeal the decision which I did and then I should call back in 10 days. I called back 14 days later and it was said that no request got inputted into the system and now I can reply and get charge the annual fee again and have a hard pull on my credit. They were extremely unprofessional with all of it. And I have over an hour on the phone with htem.
Product: Debt collection

Dear Spring Oaks Capital , LLC, I respectfully disagree with the conclusions of your investigation. There are several points I would like to address : 1. **Account Statements** : While you have provided a copy of the last credit statement, I am requesting a fully itemized receipt of all charges, interest, fees, and payments made on the account. This level of detail is necessary for me to verify the accuracy of the balance you claim is owed. 

2. **Discrepancy in Account Dates** : There seems to be a discrepancy regarding the dates associated with this account. In your response, you mentioned that the account was opened on XX/XX/XXXX, and that the last payment was made on XX/XX/XXXX. However, you also stated that the account was purchased on XX/XX/XXXX. This timeline is confusing, particularly as you suggest that the account went delinquent in XX/XX/XXXX but was not charged off until XX/XX/XXXX. Clarification and additional documentation on these dates are needed. 

3. **Validation of Debt** : According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to a thorough validation of the debt. This includes all relevant details, such as a breakdown of the interest accrued, any fees applied, and the specific transactions that led to the current balance. The information provided thus far does not satisfy this requirement. 

Please provide the requested detailed itemization of all charges, interest, fees, and payments, as well as a clear explanation and documentation of the timeline of the account, including the date it was allegedly opened, when it became delinquent, and when it was charged off and transferred to your company. 

I am looking forward to a prompt resolution of these issues. If you need further information from my end, please do not hesitate to contact me. 

Thank you for your attention to this matter.
Product: Debt collection

I have a debt with XXXX but trueaccord has taken over this debt. This lady keeps emailing me constantly. She has even went so far as to tell me that she knows I am opening the emails. She is harassing me at this point. This lady has emailed me 17 times since XX/XX//18. This is not okay. Please help me. Her name is XXXX XXXX
Product: Debt collection

WESTLAKE PM XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX Subject : Request for Debt Validation Dear WESTLAKE PM I am writing in this letter XXXX XX/XX/year> which asserts that I owe a debt of {$12.00} I am requesting that you provide validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I request that you provide the following information : 1. The full name and address of the original creditor. 
2. A detailed statement showing the amount of the debt, including any interest, fees, and charges that have been added. 
3. A copy of the original agreement or contract that legally obligates me to pay the debt, including any signed documentation. 
4. Any judgments or court decisions related to this debt.

5. A verification of the date the debt was incurred. 

Until this debt is validated, I request that you cease all collection activities, as required by law. Please note that any further communication or attempt to collect this debt without validating it will be considered a violation of the FDCPA. 

If you are unable to provide the requested documentation, I request that you cease all collection efforts and remove any negative information related to this alleged debt from my credit report. 

I look forward to your prompt response, and I expect to receive the validation materials within 30 days, as outlined by the FDCPA.
Product: Credit reporting or other personal consumer reports

I have complained over and over about this company reporting false information and Experian has only let the company change the dates and the amount and did not remove from my credit. Experian is assisting the company and not investigating the information on my report. the company should not be allowed to change dates on my credit and amount and extend false information for even longer. I want someone to look into Experian 's investigation of my dispute and why canyons at XXXX has changed dates and and amount from XXXX XXXX XXXX  for XXXX which is complete fraud. account XXXX XX/XX/year> Please look into why this information is not being removed a investigation should reveal its a false claim.
Product: Mortgage

Good day, The Wisconsin Housing and Economic Development Authority ( WHEDA ) is proceeding with a hearing to confirm a foreclosure sale for a client I represent. The mortgage may be federally backed, but we haven't yet been able to ascertain that. The borrower submitted an application for the Wisconsin Help for Homeowners Program ( HAF ) on XX/XX/2022. His HAF application case manager sent a Verification of Mortgage Request on XX/XX/2022. The sheriff 's sale occurred around the same time. WHEDA claims the VOM was sent for the wrong mortgage, but the application only shows one loan and it's a WHEDA loan for the address WHEDA has on file for the borrower and his mortgage. 

WHEDA has since moved forward with the foreclosure and is refusing to adjourn the hearing to confirm the sale, despite the fact that HAF funds are available, the HAF application is pending and the applicant will be approved for funding, so long as WHEDA participates in the process and acknowledges the Verification of Mortgage already sent to them. WHEDA 's attorney is mistakenly claiming that they do not have to stop the foreclosure because the HAF application was not received 37 days prior to the sheriff 's sale. She is citing CFPB guidelines to support this violation. 

The Wisconsin Housing and Economic Development Authority is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX. 

Email : XXXX Tel : XXXX Fax : XXXX Toll Free : XXXX Sincerely, Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/2022
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and TransUnion credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize.
Product: Money transfer, virtual currency, or money service

I called Chime Customer Service- the number on the back of my Chime card - to ask them if there was any way that I could delay my car payment autopay by a few hours to give time for my check to hit my account. In the middle of the call with an agent, the call dropped. As I was about to try to call again, I received what looked to be a " callback '' from Chime. When I answered, the individual represented themselves as a customer service representative for Chime and told me I needed to " verify my account '' before they can proceed by sending {$400.00} to a " dummy account '' at a phone number I didn't recognize. They pressured me into sending the money, stating that it was a " dummy account for verification only, '' and that " we do this all the time with our customers. '' They stated that " not a single penny '' would actually reflect out of the balance once the transaction went through. However, the money actually did come out of my account, and was sent to a " XXXX XXXX, '' which is likely not even their real name. Then, at the end of the process, they asked me to send a screenshot to another phone number for " confirmation. '' Once they received it, they hung up on me. I attempted to contact Chime Customer service, and filed a dispute, which they told me would take " up to 45 calendar days. '' However, I just got the dispute result email this morning saying that they " found no error '' and would not be refunding my money. That money was for my car payment, I CAN NOT lose my vehicle for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your letter in response to the Equifax dispute I initiated. Included, I have enclosed copies of the letter you sent me. ( see attached ) The purpose of this letter is to advise you that an improper investigation was conducted by your agency. Equifax failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) .Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer  reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Pursuant to the Fair Debt Collection Practices Act, I request validation of the debt including the following : Copies of all information regarding the above-referenced debt, including statements, reports, ledgers, correspondence, notes, origination documents ( including any and all application and usage/activity signatures ) and documents relating to any assignment of such account to and/or from any third parties. Please label all quantitative entries, such as, dates, payments, credits, finance charges, penalty fees, collection commissions, and attorney fees. Also, please provide me with a complete description of your clients identity, including its full name, address, state and local license ( s ) and state and federal tax numbers. Last but not least, you need to provide an original consumer contract with my " wet-ink '' signature on it. Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. If you are unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report. If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As I 'm sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. I look forward to an expedient resolution of this matter.
Product: Checking or savings account

Our household uses BANK OF AMERICA. In the past we have only gotten fake emails, which we have always forwarded to spam @ at our bank. But today for the first time, we got a fake text message over our cell phone, the calling number was XXXX, the online check of this number shows it to be out of New York, but no other information. We are in California. The text claimed to be from BofA Fraud Dept., we do not have this cell phone number listed with our bank, only our main home phone number, which is a cell phone, but it does not take text or use internet. On reading about what can or should be reported to CFPB, lists anything to do with banks being one of the things on the list. We have no idea how on earth to forward this text message to the normally used BofA spam @ address, and we tried all the features we could figure out on our phone. So please at least use the bad guys phone number listed above to go after them the best you can, before they get a text through to some person that falls for the scam and is conned out of their life savings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX  Account Amounts : {$10000.00} XX/XX/XXXX I disputed this account with all three credit bureaus, XXXX, Equifax, and XXXX. There was an update XXXX reflecting a resolution, but my credit report still shows inaccuracies with the agency name and account numbers. According to the FCRA this account is not accurate. Please delete this account from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX  XXXX bankruptcy, Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the fair act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. Its also states a consumer reporting agency can not funish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a open credit card account under an open end consumer credit plan as a late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been trying to buy a house and when lenders run our credit nothing comes back from Equifax. They dont show any score, or any accounts. We contacted them and they said we needed to verify my identity, so we sent the documents in three times last year with zero response from them. We finally hired a lawyer this year and filed a lawsuit against them and they claimed the matter was fixed, but when I pull up my own credit report there is still nothing there from them. This has affected our ability to get a house, or a car, or anything that you need a loan for, and we cant get them to even respond to us by mail and there is no one to call or talk to. They just keep telling us to mail in documents but never actually do anything to resolve the problem.
Product: Credit card or prepaid card

I have a loan with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXXXXXX XXXX XXXX XXXXXXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Mortgage

I provided a letter from XXXX XXXX  to XXXX XXXX of Fifth Third Bank. The letter was addressed to me. At no time did I give consent or authorization for Fifth Third to share my personal information with anybody. Fifth Third took it upon themselves to contact My creditor, XXXX XXXX, and share confidential and private information regarding my Fifth Third Mortgage with them.
Product: Payday loan, title loan, or personal loan

I was out of work for a month and needed enough to pay some bills. I got a loan in XX/XX/2022 of {$1800.00}. When I was selecting payoff time the only options were long term pay off. I choose the 39 payments which is twice a month at {$250.00} meaning Im paying {$500.00} a month. When I look on the website to see how much I owe, my payments are not making a dent! After further looking into the situation I realize that Im paying {$7000.00} plus what I owe which is absolutely insane!
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 

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 or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$280000.00} ; XXXX XXXX XXXX XXXX XXXX : {$340000.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}.
Product: Student loan

I have never missed a payment on my student loans, and I am currently on track for TEPSLF. I have worked for a qualifying employer for nearing 10 years, since XX/XX/XXXX of XXXX, with a qualifying payment plan. 

When my loans were transferred to FedLoanServicing for PSLF, I noticed over a year 's worth of payments to one of my previous, now defunct, servicers, " Direct Loan Servicing '' were not being counted toward PSLF or TEPSLF despite being over a year 's worth of payments made under the standard repayment plan while working for a qualifying employer. This period is being classified as " No bill '' - except I certainly had bills during this time, because I still have the receipts! 

In XXXX of XXXX I submitted over a year 's worth of receipts to FedLoanServicing so these payments, and a few others, could be manually tabulated. If tabulated correctly, I should qualify for TEPSLF in XXXX of XXXX. I have been waiting 10 months for them to do this. Every time I reach out to them requesting an update, I get a non-answer or more incorrect information. They scheduled a review of my account for the months from XX/XX/XXXX to XX/XX/XXXX when this review should be from XX/XX/XXXX through XX/XX/XXXX. They are also listing any time my loans were transferred to other servicers as months that do not qualify, despite being instructed by these servicers to continue making payments as usual until the transfer was complete. I have two months until I *should* be at 120 qualifying payments ( I was hired by a qualifying employer on XX/XX/XXXX and continue to work there ). Instead FedLoan Servicing 's complete incompetence has resulted in my estimated date for qualifying for forgiveness being XXXX. 

I was recently informed that FedLoanServicing will be transferring my loans to yet another service provider some time this year. I am livid. I am concerned I will have to start this process all over again, or continue making payments well beyond when I should need to. Refunding that money after this is finally corrected will not be an acceptable resolution. I have contacted FedLoanServicing every month since XXXX to try and get an update on the status of my request, and I just get the run around. This is so unacceptable it is absurd.