23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have three mortgage accounts with Western Alliance Bank ( WAB ) with the following property addresses and loan numbers. 
1. XXXX XXXX XXXX, XXXX, CA XXXX ( Loan # : XXXX ) XXXX. XXXX XXXX XXXX, XXXX, CA XXXX ( Loan # : XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Loan # : XXXX ) I received two letters from informing me that the loss mitigation applications for the first and second properties are rejected because the investor has not approved the forbearance plan, repayment plan and payment deferral. ( see attached of both letters ). Prior to receiving these letters, WAB agent called me on XX/XX/XXXX and informed me that the third loan ( XXXX XXXX ) was approved for forbearance plan on the month on XXXX, XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received another phone call from XXXX, one of the assigned agent for one of loss mitigation applications that all loss mitigation applications for all three loans are rejected and I should be receiving the denial letters. I informed him about the phone call on XX/XX/XXXX informing me the forbearance approval on XXXX XXXX and he said that the agent was incorrect. I also asked several WAB agent whether my loan is XXXX XXXXbacked loan and the investor is XXXX XXXX XXXX I received different answers that the investor of my loan was WAB or XXXX ( loan Held for Investment ). I explained to the WAB agents that five other conventional loans ( XXXX XXXX-backed loans ) that I hold are approved for mortgage forbearance already from other loan servicing companies, such as XXXX XXXX and XXXX XXXX XXXX XXXX ( See attached forebearance approval letters from both companies ). All the loss mitigation applications that I submitted to WAB, XXXX XXXX and XXXX XXXX, XXXX were based on identical reasonings shown on the hardship letter, such as unemployment, settlement agreement paid out to tenant in XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and flooding disaster on the property located on XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( see the attached hardship letter ). In addition, all these properties serviced by WAB, XXXX XXXX and XXXX XXXX, XXXX are investment properties. Nevertheless, the agent kept mentioning to me that the investors rejected the loss mitigation applications. 

I finally requested the supervisor to call me back to explain the outcome and clarified the loan types and investors. I received a phone call from the supervisor on XX/XX/XXXX, who finally clarified that all loans are XXXX XXXX loan. She also informed me that all the denial letters for all three loans will be uploaded on the loan portals. I never received the denial letters on the client portals, but on the mail on XX/XX/XXXX and XX/XX/XXXX for the first and second loans, respectively. Thus far, the denial letters for the 3rd loan has not been received in the mail. I believe that my loss mitigation applications reviewed by WAB have not been properly evaluated according to the XXXX guidelines .
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Debt collection

American Express continues to call for collection purposes despite the account not being past due. American express further advises that no COVID relief is available unless a payment arrangement were agreed to. American Express further claims that no late fees would be applicable under such a payment plan but admits that the plan would be voided were a payment considered late.
Product: Debt collection

Portfolio Recovery, under many different numbers, keeps calling. I am current on all my debts. I have XXXX car loan, XXXX mortgage, a HE LOC and XXXX credit cards all of which are paid monthly. I have never had anything go to Write Off. I have no debt problems. My internet research indicates this firm buys uncollectable Write Off data that is no longer legally required to be repaid. They will just continue to call and call. I understand if they believe a person owes a debt, they must write a letter indicating the particulars of the debt. I have received nothing from this firm. What can be done to stop this firm from calling and leaving no information about the purpose of the call. thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately. 

XXXX - XXXX - This is not mine - this belonged to a patient who is no longer living. Remove this from my report. - Please remove it from my credit report XXXX XXXX XXXX XXXX - XXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - Please remove it from my credit report XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - Please remove it from my credit report
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XX/XX/year>, I fell victim to a multi-layered scam operation run by a group of scammers ( the Company ), which involved me making deposits for a total amount of XXXX USD from my Kraken account to a fraudulent investment firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud has been reported on my account and Experian will not take off the accounts even when i gave FCT and Police reports
Product: Credit reporting

Recently there have been changes to my Experian Credit Report. I requested XXXX to mail me a new and up to date credit report. Experian has failed to comply with my request. I am requesting XXXX to send me an up to date and current credit report.
Product: Credit reporting or other personal consumer reports

In the accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Original Creditor : XXXX XXXX XXXX Account # XXXX, Original Creditor : XXXX  XXXX Account # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 supposed 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

Regarding whom it may concern : The data listed below is what I saw on my credit report and has to be removed right away from your files. Additionally, as the data above shows, your agency is not providing the correct information. When a consumer reporting agency creates a consumer report, it must adhere to reasonable processes to ensure the highest level of accuracy possible in the information about the individual to whom the report relates [ 15 USC 1681e ] ( b ).
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and / or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all my information related in this matter. 

The fraudulent accounts are as follows : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to : CFPB- XXXX EXPERIAN To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX  has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX  system that doesnt even contain my reasons for the dispute is not reasonable. 

Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

This is the response from the XXXX department and when I called to get the information on how to remove or pay I spoke with XXXX the customer service agent at XXXX and I know calls are recorded and she says the balance is XXXX. But how is it that it is reporting as collection/charge off. But you are saying here with your response to cfpb case : Dear XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  ) is in receipt of the complaint you filed with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX. In your complaint, you expressed concern regarding the account information furnished to the credit reporting agencies by XXXX and you would like for them to be updated. XXXX is a financial technology company, not a bank. Banking services provided by XXXX XXXXXXXX XXXX XXXX. or XXXXXXXX XXXX XXXX  XXXX FDIC. We take all matters which affect our XXXX members very seriously. XXXXXXXX XXXX XXXX. serves as the issuer of the XXXX XXXX XXXX account and as such, takes the matter of your complaint very seriously as well. We conducted an investigation to better understand the full scope of this matter. The following is a summary of our findings. A review of our records determined that we began furnishing information on your XXXX XXXX XXXX account to the credit reporting agencies in XX/XX/XXXX and last reported the account in XX/XX/XXXX. XXXX reports information accurately to the three major credit bureaus. Our records indicate your account is being reported accurately. To remain fair and impartial to all our members, we are unable to modify our credit reporting procedure. Please feel free to contact XXXX XXXX Services at XXXX if you feel that this issue has not been resolved, or if you have additional questions or concerns. Sincerely, XXXX XXXX XXXX XXXX XXXX. This is inaccurate and according to 15 USC 1681n ( civil liability for willful noncompliance ) and if that is the case you knowingly is and saying one thing and credit report is saying another. XXXX  rep said that the account says XXXX and should be reporting as such and told me to dispute with the credit bureaus and they suppose to remove it. At this point if that is the case it needs to be removed asap
Product: Vehicle loan or lease

In XXXX of 2023 I was supposed to move to California from Georgia, however we soon realized I would not be leaving until late XXXX. I called my leasing company whom told me I would be able to change my address with no changes to my payment. I changed my address in XXXX of 2023 to my parents home in California, at the end of XX/XX/2023 I called my leasing company explaining that I was not moving until XXXX, my following statement from my leasing company included a Sales/Use Tax for roughly XXXX dollars. I was confused where this sales/use tax was coming from and called my leasing company again. I was told it was because my address was changed to California. I explained the situation and what I was told, the representative stated that I would have to call the California tax authority to get the issue resolved. While this is being taken care of I was still paying my monthly car note but did not pay the sales/use tax because it was something I did not agree to paying. I called the California Tax authority and was told there was nothing they could do because my car is not registered in California and that Kia, my leasing company should be able to just remove the sales/use tax from my billing. I called Kia and explained this situation to them when I was once again met with a rebuttal that I just need to pay it and California will give me a refund, I once again called California Tax Authority which they said was not possible. From Monday XX/XX/XXXX to Thursday XX/XX/XXXX of 2023 I received 7 calls from Kia 's finance department stating my account was past due for XXXX dollars, which was the sales/use tax. I gave them a call back XX/XX/XXXX at XXXX am to explain that I was still waiting on a return call from the California tax authority to get the issue resolved. From that call alone the representative said he would put a note on my account to let them know that the outstanding balance was from a sales/use tax. From XX/XX/XXXX after talking to them about what was going on I received 3 calls on Sunday XX/XX/2023, 2 calls on Monday XX/XX/2023, and 2 calls Tuesday XX/XX/2023, and then another 2 calls today Wednesday XX/XX/2023. I called them today XX/XX/XXXX and explained the situation once more, I was then placed on hold for over 30 minutes and then the line disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled at XXXX XXXX  using federal funds and scholarships. I let the university know that I could no longer start the semester. The balance was paid through federal loans and grants. I called the University concerning this several times. There was a balance due after I notified XXXX XXXX  of my student enrollment status. I received a notice from my student loan servicer from XXXX showing the loan was taken out.. I had no agreement with XXXX  XXXX XXXX  nor have I acknowledged that I owe them anything. However, this collection remains on my credit report. I do not owe XXXX XXXX  anything. I do not owe XXXX XXXX recovery anything. I do not agree with this debt collector 's actions to put this on my credit report. This also shows up as a student loan on my credit report. The only notice I continue to receive is a notice saying that I owe a balance. I have disputed this account with the credit bureaus with no course of action. I've submitted and mailed many documents to Experian, XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

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

Pursuant to 15 U.S. Code 1681c-2, I demand the immediate deletion of the account associated with XXXX XXXXXXXX XXXX from my credit reports with XXXX, Equifax, and XXXX. It has been four business days since I presented the Federal Trade Commission ( FTC ) report identifying this account as fraudulent.

Under 15 U.S. Code 1681c-2, consumer reporting agencies are required to block the reporting of information resulting from identity theft within four business days of receiving an identity theft report. I have diligently provided the necessary documentation to support the fraudulent nature of the XXXX XXXX XXXX account. 

This statutory provision is clear in its mandate, and the failure to comply within the specified timeframe is a violation of federal law. I emphasize the urgency and intensity of this matter. The account must be promptly deleted to rectify the harm caused and to ensure compliance with the Fair Credit Reporting Act. 

It is crucial to note that I am fully aware of my rights under the law, and any further delay or non-compliance with this request will leave me with no alternative but to pursue legal action. I am prepared to take legal measures to address this violation, including filing a lawsuit seeking damages for the willful non-compliance with 15 U.S. Code 1681c-2. 

I expect immediate action to rectify this situation, acknowledgment of the removal of the XXXX XXXX XXXX account from my credit reports, and confirmation of compliance with the specified federal statute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 as a consumer reporting agency can not furnish a account without my written instructions.