23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE FOR REQUEST OF CONFIRMATION ( 1 ) OF TERM S AND CONDITIONS OF AGREEMENT And ADEQUATE ASSURANCE OF DUE PERFORMANCE THAT XXXX XXXX DID NOT BREACH AGREEMENT From : I, hereinafter " Borrower '' To : XXXX XXXX, hereinafter " Alleged Lender '' Notice to the Principal is Notice to the Agent. Notice to the Agent is Notice to the Principal.

I, Borrower, hereby give notice to Alleged Lender for a request of confirmation of terms and conditions of the agreement and adequate assurance of due performance that Alleged Lender did not breach the agreement.

Alleged Lender agreed to the following general terms and conditions of the credit card alleged agreement : 1 ) Alleged Lender must use their money or credit as adequate consideration to purchase the agreement from Borrower to repay the loan.

2 ) Alleged Lender involved in the alleged loan did not accept anything of value from Borrower that would be used to fund a check or similar instrument in approximately the amount of the alleged loan.

3 ) Alleged Lender must follow generally accepted accounting principles as required by CPA audit opinions.

4 ) The intent of the agreement is that the party who funded the loan is to be repaid the money.

5 ) All material facts are to be disclosed in the written agreement.

6 ) The cardholder must repay the loan in the same specie of money or credit or thing of value the financial institution involved in the loan used to fund the loan check or similar instrument, thus ending all interest and liens.

7 ) The loan transaction does not create the economics similar to stealing, counterfeiting and swindling.

The agreement that I entered into has the above seven elements in it.

According to the bookkeeping entries, Alleged Lender breached all seven basic elements of the alleged agreement and then Alleged Lender concealed material facts of the alleged agreement. I am demanding adequate assurance of due performance that the above seven elements are part of the alleged loan agreement or I demand that Alleged Lender return a zero loan balance. The proof that Alleged Lender breached the agreement is that both your assets and liabilities increased, proving that Alleged Lender recorded a loan from Borrower to Alleged Lender and then returned the loaned money from Alleged Lender back to Borrower, falsely claiming the money returned to Borrower is a loan from Alleged Lender to Borrower. Alleged Lender did the opposite of what was advertised and agreed to and then concealed the fact that Alleged Lender accepted money or credit or thing of value from Borrower that funded a check or similar instrument in the amount of the alleged loan.

This notice will remain as fact of the elements of the alleged agreement and the breach of Alleged Lender unless Alleged Lender disputes this notice within 10 days. According to 15 USC 1602 only a natural person can extend credit. Banks do not extend credit. " Credit Card '' is defined as a license plate, ID, or social security card account number to extend credit. 

Signed, Authorized Representative XXXX https : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I disputed a collection filed on my credit report by XXXX XXXX XXXX a collection company filed on behalf of XXXX XXXX for the amount of {$1100.00}. However, due to the fact that all items on a consumer 's report must be 100 % accurate, I discovered there is an error on my report. I received correspondence from XXXX XXXX XXXX, that they are collecting and the amount they have is {$280.00}. I am confused and because this is an error on the credit report I need this item to be REMOVED IMMEDIATELY! 

I have attached and highlighted the part of the letter from the credit report and also attached the letter from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all 3 consumer credit bureaus ( XXXX, Transunion, and XXXX ) on multiple occasions because of inaccurate information reporting on my reports. On XX/XX/2021 I sent a certified letter to each bureau asking them to remove the bankruptcy that they are reporting. They are in violation as they are showing different filings dates and incomplete names for the courts that they state the bankruptcy was filed in. XXXX even has the court listed as " Federal ''. 
My request went ignored and my reports did not have an " in dispute '' comment. I have also notified each of the 3 mentioned bureaus via a dispute on XXXX XXXX as a last attempt for them to remedy this.
Product: Checking or savings account

I had a checking account with Chase bank and they shut down my account and would not give me any information as to why they closed my account. This happened in XXXX of XX/XX/2018. I think it was the XXXX of XXXX. My account was suspended after someone sent me money on XXXX. I was confused as to why that happened because Ive always been using XXXX. The next day I called chase to try to resolve this matter and they said that Jp Morgan has come to a conclusion that they no longer want me as a customer. I told them so why did you guys close my account. They then responded we cant give any information. I was like why not, you guys closed my account that I have been depositions my hard earned money into. They said in 10 business days they will mail me a check of my balance which was about {$1600.00}. I was very frustrated at this point. I tried calling back again to try to resolve this matter and I still had the same problem. The customer service would not tell me why they closed my account. 2 or 3 weeks later I get A cashiers check with my balance of my chase checking account as well as a letter stating that chase closed my account. I tried to get answers from chase after that but they would not help me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021, I filed a dispute with the three major credit bureaus XXXX XXXX and Transunion about the unverified accounts XXXXXXXX XXXX acct # XXXX, XXXX XXXX XXXX Account number XXXX and XXXX, XXXX account number XXXX. Over 60 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today and according to the FCRA these non responded accounts should be removed from my credit files. Thank you for your help in resolving this matter
Product: Mortgage

My PMI was cancelled on XX/XX/XXXX as per a letter received from Newrez on XX/XX/XXXX. We are in XX/XX/XXXX and Newrez is STILL charging me the PMI premium, only this time it has INCREASED to {$190.00} from {$120.00}. 
I have asked multiple times to update the payment amount, but to no avail. 

I have emailed the company on : XX/XX/XXXX - No response XX/XX/XXXX - No response XX/XX/XXXX - No response XX/XX/XXXX - No response. 

I have called the company on : XX/XX/XXXX - Rep said it had not been 2-3 weeks for the payment to be updated. To me, XX/XX/XXXX to XX/XX/XXXX, that's OVER 3 weeks. 
XX/XX/XXXX - Rep said an escrow analysis was ongoing and would be done by XX/XX/XXXX. She also said it was ok to pay as late as XX/XX/XXXX. 
XX/XX/XXXX - Talked and explained problem to one rep. Was transferred and had to explain same problem to another rep. Said PMI is paid in arrears. Rep apologized for confusion, saying I have a grace period until the XX/XX/XXXX, not the XX/XX/XXXX as stated by other rep on XX/XX/XXXX. On hold while rep is seeking advice with supervisor. Supervisor never manifested himself/herself. Hung up with promise from rep she would follow-up. 

Today is XX/XX/XXXX. My payment is due and I STILL do not have the amount without the PMI premium which was removed on XX/XX/XXXX.
Product: Mortgage

After years of SPS telling me that XXXX XXXX  is the Trustee on my loan and XXXX XXXX  telling me they are not the owner of my loan, my attorney received a notice in the mail stating there is no trustee of record listed and the supposed foreclosing lender is XXXX XXXX  XXXX XXXX. However, in XXXX SPS and their attorney published something in the assessor 's office with a handwritten document that XXXX XXXX  is the trustee on my property. We have asked for a copy of the title to my home. And have yet to receive it. The only thing I have received from SPS is a letter stating XXXX XXXX  is the trustee. How can they foreclose on my home without the title? It was supposedly assigned from XXXX to XXXX XXXX  in XXXX, but against Oklahoma law that states it should be filed within 6 months of assignment, but this was 2 years. They are set to sell my home in 2 weeks, and I have nowhere to go! I am a single mom of 3 and have been in my home for 15+ years. SPS will not stop until they get money or get my home. I will be homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Equifax concerning to previous complaint about the inaccuracy being reported on my report. However, Equifax have failed to provide me any feedback and updates with regards to my concerns. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX XXXX XXXX  XXXX on XX/XX/2019 XXXX XXXX on XX/XX/2019 XXXX XXXX on XX/XX/2019 2019
Product: Debt collection

The apartment complex that has sent my bill to collections has made a mistake by charging me for the entire month of XXXX. I moved out a few days into XXXX XXXX XXXX XXXX and gave a proper 20 days notice prior to that. 

XXXX is confirming that this was the timeline as well based on their invoice. The invoice that was emailed to me shows I put my notice in on XXXX XXXX  and moved out XXXX XXXX 

Nowhere does this invoice show that I didn't put ample notice, nor did I stay the duration of the month of XXXX. Based upon XXXXXXXX XXXX  own records they sent over to you I should not be charged the entire month. 

It looks like XXXX has made a mistake charging and sending this to collections. 

Please Note : I do want to state that my true date of notice of moving out was XX/XX/ which I have documented via email. My actual last day at XXXX XXXX XXXX XXXX
Product: Mortgage

On our XX/XX/XXXX Mortgage Statement my Wife and I noticed the TMS " The Money Source '' paid our annual Hazard Insurance Three ( 3 ) times in error thus causing a " shortfall '' in our escrow account. 

XX/XX/XXXX {$5300.00} annual premium renewal was sent to XXXX XXXX XXXX ; then XX/XX/XXXX {$5300.00} annual premium renewal was sent a 2X to XXXX XXXX ; then XX/XX/XXXX {$5100.00} annual premium renewal was sent a 3X to XXXX XXXX. 

XX/XX/XXXX ( XX/XX/XXXX TMS " The Money Source '' statement $ {$5100.00} was " returned/refunded '' to my Wife and I which I here confirm. 
{$5300.00} was then refunded and also sent back not to us but to TMS " The Money Source '' but was never applied back to our escrow and they do not know where it is in their company. 
{$2900.00} Escrow Shortfall appears " due '' by my Wife & I on the XX/XX/XXXX TMS statement.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX transferred the XXXX XXXX into their name as a repossession. However, prior to that XXXX XXXX accepted payment and returned the vehicle. Thereafter, XXXX XXXX refused to reissue a new title making the vehicle unable to be registered. No further payments were made and XXXX XXXX refused to pick up THEIR vehicle and it stayed on public storage until XX/XX/XXXX. When the property was sold ( location of vehicle ) the Sheriffs Office was notified and an abandoned vehicle report was filed. XXXX XXXX was noticed for auction and served twice and never expressed interest in the vehicle. Finally, the vehicle sold at auction in XXXX of XXXX. However, XXXX XXXX continues, and for the last XXXX years, reports the vehicle 180 days late. Purposely, harming my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX and XXXX XXXX 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 card

I purchased a sofa and dining table from XXXX XXXX in XXXX NC in XXXX. The XXXX told me that opening this charge account there would be no interest for XXXX  years and I would then begin accruing interest on any outstanding balance. Comenity has charged me backed interest, increased my payments and I am left with a higher balance than original after paying them for XXXX years. I filed a complaint with the Attorney General which has just been answered. Their only final advice was to hire my Attorney to sue Comenity and/or XXXX. I just want a reasonable resolution offered to put this behind me. I am about to lose my job and only source of income and have very high debt. So far the only option they suggested was to pay it late and then they may offer a lower rate for XXXX more years on the full balance. I believe this is all predatory and would like to prevent this from happening again to me or any consumer. Comenity is quick to use the words " 24 months deferred interest '' now but that is not what it says in the XXXX store, nor did the Salesperson or my credit application.
Product: Debt collection

I RECEIVED A LETTER DATEDXX/XX/2018 FROM I.C. SYSTEM A COLLECTION AGENCY. THE LETTER HAS ANOTHER NAME LISTED ON THE LETTER WHICH IS XXXX XXXX. 
THE LETTER HAS MY ADDRESS AND CITY AND STATE AND ZIP CODE ON THE LETTER BUT NOT MY NAME. MY NAME IS ( XXXX XXXX ) THE ORIGINAL DEBTOR IS XXXX XXXX XXXX I HAVE DISPUTED WITH MY CREDIT CARD ( XXXX ) and ( XXXX XXXX ) I HAVE RECEIVED A CONDITIONAL CREDIT WITH BOTH CREDIT CARD COMPANIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need immediate attention on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response and its been well over 30 days. This is absolutely unacceptable Ive been through enough hardship especially through this pandemic were in. I feel like Im being exploited and being ignored on my disputes. Ive done my research and section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they shouldve been deleted immediately. I absolutely demand these accounts be deleted immediately or I will file for litigation due to the hardship and anxiety you caused me. My information was also impacted by the XXXX data breach and it seems it got into the hands of the wrong person. I need this taken cared of immediately.
Product: Mortgage

For the last months I have been trying to get a loan modification to not lose my home and XXXX XXXX ( assigned representative ) refuses to work with me. I am doing my best to keep my home but when I communicate or try to speak with Sn servicing especially XXXX she never answers the call and all other representatives only say " Theres nothing we can do for you '' I have a recording of it as proof. I spoke with XXXX XXXX  XXXX. I even asked for a manager and the response is " what do you think shell do for you?, nothing. '' again, I have the recording to prove it. He gave no importance to my needs and situation. I Also spoke with XXXX, whom claims to be a supervisor. which wasnt much help either. All she can say was she had approached the account specialist to see what happened. Claiming there was a letter sent to me in XXXX or XXXX requesting additional documents but it was never received and when asking for a copy of the letter they were not able to locate it. Just proving it was never sent. I believe XXXX is not servicing my loan and my requesting in assistance. to this moment I still have not heard from the assigned rep XXXX after all the calls and complaints i did all morning. I need all and every help to keep my home and stay in it and no one is willing to help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Please check the status of these accounts. It is entirely wrong, to begin with. I was never late on these accounts. 
XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$15000.00}
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$16000.00} - Late/Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$290.00}
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Acct # XXXX. Not my Account XXXX Acct # : XXXX Reported as XXXX Days Late. Incorrect. So me Validated Information of Late Pay XXXX XXXX Acct # : XXXX Validate Late Pays XXXX Acct # : XXXX Validate Late Pays XXXX Credit Acct # XXXX XXXX Not My Account *XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Collection XXXX XXXX Acct # : XXXX. Late XXXX XXXX XXXX  XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXXs. All the above Accounts need to be Validated by actual human. These Accounts are reporting incorrect. My next step is filing arbitration with XXXX and XXXX and XXXX XXXX. Remove these items from my Credit File Immediately This information is inaccurate. Please delete it. As per FCRA 5 U.S.C. 1681. ( Remove From My File
Product: Credit reporting, credit repair services, or other personal consumer reports

It has beem 10 years that XXXX reported the account closed and paid and charge off I disputed to remove to XXXX, XXXX, and XXXX. The credit reporting agencies has not removed from my credit report.
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

EXPERIAN : XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$1400.00} EXPERIAN : XXXX XXXX Balance : {$3200.00} XXXX : XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$1400.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Hello, My loan is currently still in the underwriting process and has been for sometime now. I feel like my underwriter is being discriminatory and difficult. She has asked for several things that are not in the FHA guidelines. Here are some examples : I am a XXXX XXXX and in my field it isnt uncommon for me to have more than 1 job. Well for my mortgage she is only using my full time job to qualify me. She refused to move forward until she verified my employment at every job from the last 2 years even the ones I no longer work at. 

Also I had to write a statement regarding why I had a gap in full time employment. In my statement I gave attending school full time as the reason why. The underwriter then asked for proof I was in school, which isnt an FHA requirement. 

I feel like every time we get one issue cleared she creates another issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and may have  got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.