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

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I was scammed over the phone by someone claiming to be a fraud claims agent. He gained access to my email and Target Credit Card number and bought {$1700.00} worth of gift cards. Target Card Services sent me a letter stating that because the purchases were made with my credit card number number, I must be responsible for the transactions and are now holding me responsible for the charges. This is absolutely not true. 
I have disputed the denial and recently sent another more detailed letter to Target Card Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$850.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$230.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$6600.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I have never contracted with this company, have signed a promissory agreement with this company, have submitted application with company for credit. 

This company is liable for identity theft by creating a debt collection account in my name without permission in violation of FDCPA 15 USC 1692c States that collectors can not communicate with consumers with consumers consent.

Right To Privacy Violating HIPPA by communication with consumer via credit reporting agencies Violation FCRA 15 USC 1681 false and inaccurate information illegally received from a 3rd party
Product: Credit reporting or other personal consumer reports

I filed a complaint last year with XXXX and the issue remains unresolved. I had two loans serviced through them that were discharged and XXXX out, but the full balance and no change was made as promised by them on my credit report. I received a copy of the letter that was sent from them and the Dept of Education in XX/XX/2023 that confirmed the discharge/forgiveness of these loans in full. The document is password protected, so I had to use screenshots from it which I included as attachments for this case. In this letter, it was promised that these loans would be taken off of my credit report within 60-90 days of the letter being sent. It is now well beyond that timeframe and the loans remain on my credit report with the full balance intact. 

I have tried to contact them directly numerous times, and just the same as before, I can never get through to anyone via email or phone. I worked with a representative from XXXX previously in XX/XX/2023 when I filed my initial XXXX and CPFB complaints. She had also assured me that these loans would be taken off my credit report from XXXX by XX/XX/2023 at the latest, as that would mark the full 90 days from when the letter was sent to me initially. 

Additionally, I've also disputed through XXXX several times, with one being recently, and XXXX is still claiming that the information on my credit report is correct with the full balances. The balances on my XXXX online account are XXXX out as well, so there is no reason why this same information shouldn't be reported accurately through the credit bureaus. It is THEIR responsibility to remove these and report accurate information and they are straight up LYING to the credit bureau and getting away with it. I will also be filing another complaint with the XXXX  and attorney general to make sure this gets resolved. If it doesn't, I am more than happy to take XXXX  to court for these illegal and shady business practices.
Product: Checking or savings account

On XXXX I was the victim of identity theft and unauthorized withdrawal of {$4900.00} from my Chase checking Account. This occurred when I called XXXX customer service to correct charges I did not make. The agent identified himelf as XXXX XXXX XXXX # XXXX. He proceeded to get access to my computer and when I was away feom PC, sent the amount via XXXX XXXX to another criminal Within an hour, I went to my Chase branch and reported the fraud, The Acct Mgr took action to report this to Chase Fraud Dept, and open new check, saving and debit cars for me, and cancel old accts. She also said she had replaced the funds to my acct. ( see Exhibit 1 ) Chase Bank has not protected me and the funds in my checking or savings accounts,. They did not inform me that the Fraud Dept didnt investigate Instead - without informing me -- Chases Claims Dept opened a claim for the transaction. The Branch Mgrs did not inform me verbally or in writing that their procedure was to reverse the loss by loaning me funds to use while they investigated claim. On XXXX I received letter ( exhibit 2 ) stating that the claim was denied. I received the letter, evening before they were to me take back the funds from my account. I called claims dept but they refused to hold up the withdrawal for me to challenge their decision and further told me their report of investigation would not be discussed or sent to me On XXXX at midnight, Chase withdrew {$4900.00} from my acct including my monthly Soc Security and XXXX retirement deposits. That day, Chase told me they would pursue me to collect the balance of funds earlier returned to me They said their bank 's procedure and policy was not to recover or replace funds stolen from customer accts if fraud happened after customer identity was stolen and used to withdraw customer 's funds. My checking account continues to show that I am overdrawn - {$2400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making payments to One Main Financial for years. I recently settled with them using XXXX debt restructuring and have not missed a payment. For the last three months they have reported to the credit bureau that I am not making payments and its killing my credit score. They are unorganized, sloppy and their mistakes are affecting me.
Product: Mortgage

This is a follow up of complaint XXXX which was prematurely closed. 

Caliber Home Loans, now operating under the guise of XXXX, STOLE my money. 

After NUMEROUS problems with Caliber claiming to have not received payment and charging late fees, I paid off this mortgage in full as previously proven. 

I have now included complete copies of account statements proving that my check was accepted by Caliber Home LoansXXXX. These funds were never returned despite the loan had already been paid in full. 

The theives at Caliber Home LoansXXXX continue to fail at honesty and integrity, having failed to respond to all 5 of my inquiries of which I have already submitted evidence of, and is liable to return the full amount owed to me of {$1100.00} plus {$500.00} research fee and at 35 % interest for a grand total of {$2200.00}. 

Failure to do so within 7 business days from today will cause Caliber Home LoansXXXX to feel the full weight legal action in which Caliber Home LoansXXXX will be fully responsible for all legal fees as well as what is owed to me, and then some.
Product: Consumer Loan

On XXXX/XXXX/2015 I purchased a vehicle from drivetime. I did not have a lot of credit of which there was an old XXXX bill in my credit report that was not paid due to a divorce. There was also hospital bills that I had been paying on. I did supply them with XXXX rental companies that I had rented from and never paid a late charge. At that time I needed a vehicle and I feel as if they took advantage of me. After time to reflect on the transaction the following is a huge concern. 
1- Car is only worth {$5000.00} in good condition and they sold it to me for {$9900.00}. That is in excess or 75 % increase. 
2- I did not understand that my payments would be bi-weekly. Most places you pay once per month. 
3- Drivetime added an additional {$3900.00} into my loan for other items -Drivetime powertrain protection plan @ {$2800.00} - XXXX XXXX @ {$590.00} - XXXX XXXX XXXX XXXX XXXX I was never taken through my contract line by line. I was told what the paper was, and a brief explanation, then told to sign. 
While they did explain to me what these were, I was never told they were optional. I felt as if I had to obtain to make the deal. 
The interest rate is 27.90 % which is way too high. At this rate I will have paid back {$25.00}, XXXX for a car that is only valued at $ XXXXAbove are the major items that I feel was not right. In addition I also see that due to my need of obtaining a car and being a first time buyer, they took advantage of me and charged me a ridiculous interest rate. If they would have called my previous rental companies, they would have seen a good track record. 
Because I did not have a good experience with this company and after a much thought it is more than evident I was taken advantage of. I will be returning this car to drivetime by the end of this week. I will have paid XXXX bi-weekly payments, on time, not due again until XXXX/XXXX/2015.
Product: Debt collection

Collection Agency COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$30000.00} Amount {$33000.00} Status Date XX/XX/XXXX Status UNPAID XXXX The collection agency has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681.

I looked at my XXXX  and XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX XXXX, and I have generated this statement by myself. Per 15 USC Code 1681S ( a ) ( 1 ) ( a ( & ) ( c ) and 15 USC Code 1681-B of the Federal Credit Reporting Act ( FCRA ) the accounts mentioned in this report should not be reflected on my credit reports as they violate my rights as a federally protected consumer. Per the FCRA US Codes provided, they summarize that it is NON-PERMISSIBLE for a creditor to report anything under any circumstances, without my written instructions to do so. No consent constitutes identity theft. As a federally protected consumer, I am demanding the deletion and removal of ALL the Listed accounts immediately. Additional UnAuthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I checked my credit report tonight, I was absolutely stunned to see inaccurate accounts listed, and I have no clue how they ended up there. Ive always checked my report regularly without any issues, but today, there were discrepancies that blindsided me. I thought maybe it was just a browser issue, so I refreshed it, but the false accounts stayed. Given this situation, Im urgently requesting that the documents Ive provided be thoroughly reviewed so that I dont have to live with this concern anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. In XXXX of 2022, a XXXX XXXX XXXX checking account was opened in my name. I was able to close this account. XXXX representatives instructed me to contact Chexsystems and place a freeze, which I did in XXXX. I also have freezes with all three credit bureaus. Earlier this week, another XXXX checking account was opened in my name despite all freezes ( Chexsystems and all three credit bureaus ) being active. After speaking with Chexsystems, they informed me XXXX ignored their security freeze. When I spoke to XXXX about this, they informed me that this had happened before regarding Chexsystems and they believe the Chexsystems security freeze is not working properly. They directed me to the FTC and I have made my way here to report my issue with Chexsystems and/or XXXX XXXX  XXXX regarding this issue.
Product: Debt collection

Submitted a validity of debt to the company ( Capitol one ) no response in mid XXXX XXXX no reply. Submitted another letter no reply. No reply to even find out about the debt and possibility of settling it since it 's charged off and closed
Product: Mortgage

I have applied for Mortgage Financing on my new home with Better Mortgage, I recieved a pre approval letter, reviewed it with loan officer, sent all required paper work and locked the rate on FHA 4.625 % XX/XX/XXXX, for 30 days. I have signed a contract with the home seller to be closing XX/XX/XXXX. The loan team started working on asking paper work and I was getting everything they have been asking for and XX/XX/XXXX. They have removed contingency on my loan and gave me approval to submit for my seller. So far everything is good.they sent final disclosure and I signed it.which can not be changed at this point!!! After 4 weeks of working with them and 1 day before closing..I recieved a call from Better Mortgage File Processor that my FHA loan can't be approved for realy not a valid reason, the guy who talked to me had no clue why!! He was saying the income of my business is not for 12 months it only for 9 months, However I have been asked to submit only for XXXX, and nonome asked me to submit information for business profit on XXXX, they want to make it my fault trying to escape from the rate that I have already locked. And he suggested that If I want to close on time I should switch to conventional loan, they jacked the rates up, and they didn't want to owner the rate that I have already locked. In adition to all that they're increasing the loan cost and taking advantage of me because I need to close as soon as possible or I will lose the contract, these guys with their dishonesty and their illegal actions of changing costs and points and rates without even reviewing and telling. and sending me forms to sign imagining I'm not going to read what I'm signing on 1 day before closing. 
I want to report this, please someone look into my situation with this lender and I need to be compensated for all damage they caused.. I have to move out from the place I rent tomorrow and we basically have to stay in a hotel because they have delayed closing and bending my arm after all the approvals Inhave rexieved and after receiving a final disclosure to agree with last minute changes to the loan cost that is requesting additional {$19000.00} and a very high PMI more than what I have been told before at the beginning.
Product: Mortgage

I fell behind on my mortgage after my business failed. I hired an attorney to help me submit a request for a loan modification. My full application request was sent to OneWest XXXX in XXXX 2016. My loan is a 15 year loan which was good while I was making money, however now that my business has failed I really need it to be able to go back to a longer loan term such as a 30 year loan or at least longer term than the remaining 3 years as I can not afford the very high payment anymore. 
I was denied for a loan modification on XXXX/XXXX/2016 by OneWest Bank XXXX for HAMP. The reason given was due to " Investor/Guarantor Not Participating '' " Investor has not given us contractual authority to offer loss mitigation through the Making Home Affordable Program. 
I looked up online with the XXXX web site and it says ... '' If a PSA contains such a restriction ( HAMP PSA RESTRICTION ), the servicer MUST make " reasonable efforts '' to get the investor to waive the restriction. I do not believe OneWest Bank XXXX has made any effort to ask the investor of my loan to waive the restriction. My attorney states OneWest Bank XXXX is participating in the Making Home Affordable Program and therefore they MUST make an effort to ask the owner of my loan to waive the restriction and review my loan for HAMP. 
In addition, the letter dated XXXX/XXXX/2016 which states they can not review for Making Home Affordable, also says " However, upon receipt of a complete application, your mortgage will be reviewed for all other loss mitigation programs ( including available loan modification programs ) permitted by the owner of your loan. We will contact you regarding the steps required to complete our review ... Once the review of your application is complete, we will send you an additional letter that contains the results of our review and if your mortgage qualifies for a loss mitigation program '' - I have never received this letter to date and my applicaton was sent in complete in XXXX 2016. 
My attorney has been asking OneWest XXXX for this letter promised in the above paragraph and I have received nothing to date. They only verbally tell me there is no other options. I am told that RESPA servicing law states they must issue me a denial letter and give me 30 days to appeal it. So far I have nothing except a letter stating they can not review for HAMP and I willl receive an additional letter for other programs they review me for. Again, I have nothing and they say they are not doing anything more for my request. Violation of RESPA Reg X.
Product: Debt collection

Hi, My roommates and I were once residents at XXXX XXXX XXXX in XXXX, Ga. When we moved out, yes we left items in the apt , but we thought if anything they'd take it out of our deposit, in which we didn't receive. It was literally in maybe late XXXX, early XXXX, we first received any contact regarding debt collection. If we'd known about the collection, which is in the amount of {$910.00}, we'd handled it accordingly, but in the midst of moving we didn't receive a letter or email regarding any new collections. Since then, we've received countless calls and each time that we negotiate to set up a payment plan, they try to intimidate us by making us pay during the phone call. I've even contacted our previous complex numerous times and can never get into contact with anyone to discuss an arrangement. In short, we'd like for the collections to be dropped or reduced because of the lack of awareness from XXXX XXXX and the debt collection agency. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privace and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A section 2. states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681C. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information ANY other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S. 1681S-2 ( A ) ) 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.