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

XXXX Dispute Department- 15 U.S. $ 1681c-2 a consumer reporting agency shall block the reporting of 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 the receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft. Please delete immediately.

These accounts should not be furnished on my consumer report as they are in violation. Under, 15 US Code 1681b- Permissible purposes of consumer reports ( a ) in general subject to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instruction to the consumer it relates to. I never gave any consumer reporting agency written consent to report anything on my credit report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer, I am demanding the deletion of the accounts below.

Please remove all inquiries which I did not authorize or give consent : Hard inquiries XXXX XXXX Inquired onXX/XX/XXXX On record untilXX/XX/XXXX XXXX XXXX XXXX XXXX VIA DEALER Inquired onXXXX On record untilXX/XX/XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXX On record untilXX/XX/XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXX On record untilXX/XX/XXXX XXXX XXXX Inquired onXX/XX/XXXX On record untilXXXX XXXX XXXX XXXX  Inquired XXXX On record untilXX/XX/XXXX XXXX XXXX Inquired XXXX On record untilXX/XX/XXXX XXXX XXXX XXXX XXXX VIA DEALER Inquired XXXX On record untilXX/XX/XXXX XXXX XXXX XXXX Inquired XXXX On record XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX On record untilXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I have a power of attorney set up with USAA Federal Savings bank for my sister to make payments and do all things pertaining to on an automobile and the automobile loan. ( I am in the military and have orders assigning me to XXXX XXXX. ) When the person called to set up automatic payments she was told that automatic payments were scheduled. The automatic payments never came out of the account. When she called to try to make a payment over the phone the company did not honor the POA. They did not allow her to make payments and constantly told her that the POA was not sufficient. This caused the account to become 90 days late and go to collections. I did not receive any documents in a timely manner to my current address to be able to address the missed payments before it was sent to collections. When I called to find out why the loan was sent to collections, I was told that they no longer have any information on the loan. They also could not tell me who to call to address the debt. When I received a letter from the collections agency I gave the information to my sister. The collections agency refused to speak with my sister or honor the POA. The collections agency told her that the debt was being sent back to USAA. The specialty department at USAA who supposedly took over the debt also refuses to speak to my sister ( POA ) to resolve the missed payments or allow her to make payments to resolve the debt. When I called USAA to get the information on who to speak to regarding why no one will allow my sister to my payments or access the needed information, I was referred to a specialty department that was closed. The fact that USAA has refused to honor the POA or allow my sister to make payments has resulted in the account to be 90 days late and sent to collections. This has damaged my credit score and is jeopardizing my security clearance with the military. USAA has two POAs on file. One was a POA specific to USAA and the latest POA was completed by the XXXX legal office. The latest POA has been  attached to the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

So, I've been working on my credit since XX/XX/2020. I've made several efforts to pay my bills on time and add positive credit. I've managed to pay down my debt and have been fortunate enough to increase my score using good habits. 
Recently I've noticed that my score with Equifax went from XXXX to XXXX for no apparent reason. My scores with XXXX and XXXX have gone up on a steady basis. My scores with XXXX and XXXX are XXXX and XXXX. My scores with Equifax are Now at XXXX. I have examined my reports to see where things may be different and have yet to see anything that would cause my scores to be this low. My information with XXXX  is a mirror of Equifax. I've called Equifax to inquire about this and no one has answer. My scores have consistently gone up with the other bureaus and Equifax hasn't. I'm in need of assistance and this causing me not be a candidate for purchasing my first home.
Product: Debt collection

I requested a debt validation from this company several times ( XX/XX/XXXX XXXX & XX/XX/XXXX ) and as of yet still has not received any validation about this account. I disputed with XXXX and they did not investigate or show any proof that i own this account. Vance and Huffman listed this account on my XXXX report that the original debtor is XXXX XXXX XXXX but it has been changed to reflect that the original debtor is Vance and Huffman which is a collection agency. I want this company to verify by validation that i owe money and that this account belongs to me, by being providing accurate information last time, sending me a bill is not validating that they have the legal right to collect on a debt account or that is debt is truly belongs to me. I am entitled under the law to have this information provided to me and I have made several attempt to get the information but the company keeps avoiding me and adding derogatory information to my credit report. I want they to provide my signature that enter into a contract to pay this debt and that this is my account.
Product: Mortgage

On XX/XX/2023, I was made aware that my loan servicer, Nationstar Mortgage, dba Mr. Cooper had been reversing the mortgage payments that they were servicing on my behalf. The payment at least 5 times in one business day. After inquiring as to the reason why, said mortgage servicer could not provide a plausible explanation as to why they were reversing the mortgage payments. Even though, I pay my mortgage payment 15 days in advance prior to its due date, the aforementioned loan servicer showed that my account was 2 payments past due, and because of such, I received a foreclosure notice from said lender indicating that my home would go into foreclosure if the payments were not made. In addition, I also noticed that the payment history and multiple reversals on the mortgage account did not match my bank statements. Therefore, it is for this reason that I am asking that the CFPB investigate the forementioned company Nationstar Mortgage, dba Mr. Cooper in order to determine if other customers are experiencing the same issues in which I have. In closing, it was only after my multiple phone inquiries and threat of a lawsuit that my payments somehow reappeared the following business day showing that the aforementioned payments had been applied and the account reflecting the correct due date.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required
to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I 've never lived outside the state of XXXX and the report reflects XXXX addresses in XXXX XXXX, XXXX. I have never lived at that address, nor have I ever lived in XXXX. I 'm not sure what documents I could provide that I HAVE NEVER lived in XXXX.
Product: Credit card or prepaid card

This account is almost 6 years old and was closed by the company a long time ago. Due to the length of time this account has been open this account should no longer be affecting my credit & my ability to move forward with the things I need in life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date opened XX/XX/2020 Balance : {$2400.00}
Product: Vehicle loan or lease

The auto loan with Chase Auto Finance was refinanced by XXXX. Chase Auto Finance sent a lien release and loan paid letter and claimed they mailed the vehicle title to XXXX but refuse to provide any tracking information for the same or check with the carrier. It's been more than a month since the loan with Chase Auto Finance was paid off but XXXX is yet to receive the vehicle title and this is causing issues with refinance.
Product: Student loan

On XX/XX/XXXX I requested XXXX reimbursement that I paid on my student loans during the pandemic pause. Mohela added that XXXX  back to my total loan balance owed and Mohela is currently charging me interest off a total sum owed amount that includes the {XXXX}. It is now almost one year later from XX/XX/XXXX when I requested the money and I have never received the {XXXX Countless hours have been wasted with Mohela on hold and on the phone and they still are dodging the question of when they will process my request and send the money to me. When I spoke with a supervisor from Mohela on XX/XX/XXXX she told me the request is currently being processed in their " federal contracts department ''. Mohela is financially benefitting from charging me interest off a total sum that includes the {XXXX they will not return. I feel there is no recognition from Mohela that their delay in processing my request is harming me financially. There is no indication of why it is taking a year for them to process my request or how much longer it will take for it to be completed. In XXXX Mohela responded to a case I opened with the CFPB regarding this issue, saying they would " facilitate this process within the coming days '', but " days '' has not proven to be honest as Mohela continues to excessively delay. I am requesting Mohela quickly process my request for the XXXX and now return the interest they continue to generate off this money.
Product: Mortgage

In XXXX, I had called to ask about the process for removing PMI from our mortgage. In response, they sent a letter stating we would need to meet the 80 % LTV - which we knew, just wanted the process. We still had half a year before getting to the 80 % mark,XX/XX/XXXX. 

I called PennyMac at the beginning of XX/XX/XXXX to request removal of the mortgage insurance ( MI ) from our loan. I was told, per the documents I signed that it wouldn't be removed until some year in the future ( I do not remember what year but something like XXXX ). It couldn't be removed because it was an investment property. I asked where they got this date and they said on the MI disclosure we signed - I asked for a copy of the MI disclosure. The copy they provided actually showed XX/XX/XXXX which is what we had signed at settlement. No idea where their XXXX? date came from. 

On XX/XX/XXXX I officially requested in writing ( via their secure messaging system XXXX removal of the PMI associated with our loan. I provided a copy of the MI disclosure document that specifically states the date MI can be removed and that states this was not a high risk mortgage and that the above guidance applied. There are no other loan documents that modify the MI disclosure document. Additionally, the ability to remove MI at the 80 % point was material in our decision on proceeding with the subject loan. We would likely have made very different loan decisions as it impacts our bottom line. 

The response we received from PennyMac was " Unfortunately, the MI disclosure is a generic disclosure for primary residence. In your case, your property is an Investment property based on your loan application. After receiving your request for information on PMI deletion, I submitted a request for PMI deletion based on original value. Unfortunately, your loan does not qualify at this time, as your LTV must be below 65 %. You will receive a letter in the mail that will recap the above information. Presently your LTV is 79.90 %. ... '' The document may be " generic '' but that should not relieve its applicability if used. If a different disclosure for investment properties should have been used, that is not our error. We went into the mortgage contract in good faith and we were not the writers of the documents.Additionally, we even requested confirmation of the MI removal when we received the initial loan documents for review prior to settlement. It was verbally confirmed the MI would be removed at the 80 % LTV point. 

The attached file is what we provided to PennyMac via their secure messaging center on XX/XX/XXXX.
Product: Credit card

Bank changed closing date to XX/XX/XXXX instead of XX/XX/XXXX with no notification citing the reason of XX/XX/XXXX only having 28 days.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX, I am writing to formally dispute the validity of the debt that you allege I owe. Please take this letter as my notice of dispute pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Lack of Contractual Evidence I have no knowledge of any valid or enforceable contract between myself and XXXX XXXX XXXX XXXX. I request that you provide me with a signed contract or any agreement that establishes a legal obligation binding me to this alleged debt. Without such evidence, I am not liable for the alleged debt. I expect you to provide documentation of a valid, signed contract between myself and XXXX XXXX XXXX XXXX that evidences my agreement to pay the alleged debt in question. 
2. Request for Debt Validation Pursuant to the FDCPA and FCRA, I request that you validate this alleged debt by providing a full, detailed accounting of the account. This validation should include, but is not limited to, the following : The name of the original creditor, The principal balance of the alleged debt, Documentation of any insurance, securities, tax benefits, or other financial transactions related to the account. 
I request this detailed accounting to ensure the accuracy of the amount you claim I owe. Failure to provide accurate documentation could result in a violation of both the FDCPA and FCRA if it is found that XXXX XXXX XXXX XXXX has made false or inaccurate claims regarding this debt. 
3. Failure to Provide Account XXXX XXXX XXXX does not list the full account number associated with the alleged debt. Without this information, I can not verify the debt. I request that XXXX XXXX XXXX XXXX provide the full account number for proper identification and validation of the alleged debt.
Product: Credit reporting or other personal consumer reports

I would like to dispute these negative accounts on my credit report. 

TransUnion : XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter regarding inaccuracies and outdated information on my credit report. After reviewing my credit report from, I have identified several discrepancies, including old addresses that are no longer associated with me.

Specifically, I have noticed that my credit report contains outdated addresses that I have not lived at for several years. Additionally, there are inaccuracies in the reported account information that do not reflect my current financial status accurately.

In accordance with the Fair Credit Reporting Act ( FCRA ), I have previously submitted a request to XXXX, XXXX, and Experian to have these inaccuracies corrected and the outdated addresses removed from my credit report. However, despite my efforts, these errors persist, which has raised concerns regarding the accuracy and integrity of my credit profile.

As these inaccuracies can have significant implications for my financial well-being and creditworthiness, I kindly request the assistance of the Consumer Financial Protection Bureau in addressing this matter. I am seeking your intervention to ensure that the credit reporting agencies comply with their obligations under the FCRA to maintain accurate and up-to-date consumer information.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies on my credit report. Your prompt attention to this issue would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an Equifax security breach victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having such a hard time trying to deal with Experian and XXXX in removing these fraudulent accounts. I am a victim of Identity theft and fraudulent accounts were opened without my knowledge or consent. I tried working with the bureaus directly but they have not been helpful at all.
Product: Checking or savings account

I deposited a check on XX/XX/XXXX, {$200.00} it's was for holiday bonus in chase account the next day they freeze my account I don't know why until I call them they said they need more information for the check provider to find out after I keep calling them they said it's was no date on the check but why clear the check on XX/XX/XXXX if its no date and my check did not bounce back why restricted my account that's not fair to me. And the person that give me the check they said it's clear from their end so why all this problem I don't get it is it because I'm XXXX or what please I want more information
Product: Checking or savings account

I have been banking with TD Bank since XXXX. Since XX/XX/XXXX, the bank has taken a {$25.00} " maintenance fee '' from my checking account monthly for failure to maintain a high minimum balance of {$25000.00} ( in comparison, the bank provides on average XXXX cents of interest per month in my savings account ). These exploitative and predatory fees have reduced the amount of money in my account by 20 percent over time ( more than {$500.00} has been taken ). 

I was not monitoring this account closely because it is a " rainy day '' fund. I do not have an ATM card associated with this account. I was devastated to learn about these fees and can not understand how it is equitable that the bank be allowed to take my money from me. 

I have attempted to resolve this situation by speaking to customer service and a local branch manager to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the US Bankruptcy Court of XXXX XXXX XXXX of California with their office and as well as the credit bureaus XXXX, XXXX and Transunion. The XXXX major Credit bureaus claim that this is a verified account. And every time I go to ask the court if they have verified this account with the credit bureaus - they never answer my questions as to if they report to the credit bureaus or not. The court claims to dispute this with the credit bureaus and the credit bureau 's claim to dispute this with the courts. But neither one of these companies can tell me who verified this account, how it was verified.
Product: Credit card

My Fidelity Rewards Credit Card account was sold to Elan Financial. Neither XXXX ( who had managed the account ) nor Elan Financial notified me of the change in account status. They also failed to send me a new card and I only found out about the change because my old card stopped working at merchants. Wait time to connect with an Elan Financial representative was over 20 minutes, twice. It is lucky I caught it now because payment is coming due next week and would have gone to the old address ( and been denied ) rather than the new Elan Financial payment address. Elan claims to have sent a letter and new cards, and gave me a bit of runaround before agreeing to send new cards.
Product: Debt collection

I keep on receiving a call from XXXX XXXX, number XXXX. 

He is calling in regards to a debt owed by me to XXXX. Last year he somehow obtained my wifes parents numbers and my family numbers. I never shared them with XXXX or anyone else. He claims to have did some digging into my personal information which makes me super uncomfortable. 

I had talked with him and gave him My debt management companys phone number since I enrolled this card with them. I told him to stop contacting my family and just talk with them. In the past two months he has been contacting my family trying to make them make me call him.
Product: Debt collection

Received random letter from American Coradius International LLC to collect a debt on behalf of XXXX, XXXX that I do not nor have ever owed. 

The claimed amount owed is {$220.00} as of XX/XX/XXXX, and I verified electronically and by voice that : 1 ) I have not owed XXXX, XXXX any money since XX/XX/XXXX, and that amount of {$57.00} was paid in full. 
2 ) My balance is {$0.00} and has been for two years 3 ) I have never made a purchase on XXXX for the amount the " Collector '' claims is my debt. 

Additionally the account number listed is not correct for either my XXXX cash account or the credit card account. It isn't even close. 

As with all scam spam, they provide various links and avenues for me to question or dispute them, but only after I provide them with information, most likely my SSN, my actual XXXX account # 's, etc. I don't even want to call them because if they have my number, I'll be dumped into some spambot outgoing scam call file. 

Checked them against XXXX, and it is a similar scam to others who have left warning reviews. Reporting here to make sure more than just XXXX  knows who these scam artists are.
Product: Debt collection

This company has been reporting an inaccurate account on my credit report which violates my rights under the FCRA. I have contacted this company via certified mail requesting VERIFICATION of account # XXXX with a reported balance owed of {$1400.00} on XX/XX/2020 and XX/XX/2020. I have asked that they send me the documents with my name and signature which states the terms they believe I ( myself ) agreed to. This company has failed to provided me with this information and has also refuses to remove this account from my credit report. I demand this information be removed from my credit report in accordance with 15 U.S.C. 1681i, of the FCRA which states that all UNVERIFIED accounts must be promptly deleted from my credit file.