23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2017 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 6

11 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i,
all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.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, credit repair services, or other personal consumer reports

i contacted the 3 credit bureaus XXXX, XXXX, transunion multiple times over the past year by phone and mail and let them know that i wanted them to remove XXXX  negative accounts thats on my credit report they have violated my rights to privacy they had no permission to even report any information to the credit report and they also never sent me any verification or anything verifying the account 15USC 1681
Product: Mortgage

I received phone calls requesting info about my mortgage and finances from loanDepot. I didnt know then but I know now they were looking for a person like myself because Im a widow with financial struggles and I had assets in my home, I didnt have any knowledge about how to handle these things and I tried to stop the signing and I was pressured into continuing the process, I called them and told them I had decided to not go through with a loan refinance and then they started calling me back and promising me things, they said they had a loanDepot guarantee and would give me another mortgage in about a year with lower rates and without any closing cost and fees, they charged me XXXX of dollars to do the loan, and I tried to stop it and they started rushing and pressuring me to continue. Just the other week I had another one call me to get me to do it all again and thats when I got suspicious and found out about, predatory lending and asset based lending and Loan flipping and pressured and rushed into signing tactics. They have raised my monthly payment so high that I cant pay all my bills, I have to go to XXXX XXXX and apply for food stamps to get help. 
Dates during XX/XX/XXXX 2022XXXX XXXX 2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

1- XXXX XXXX : Don't recognize this account, i think there was an error this has to be fraud. thank you 2- XXXX  XXXX XXXX XXXX XXXX : Don't recognize this account, when covid-19 came a lot of people was doing fraud on accounts and i think mine was one of them. 

3- XXXX XXXX  Don't recognize this account, i don't know where it came from or who did it but it says unspecified inquiry that i didn't make is fraud. i called the company and they said the same thing
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 privacy and confidentiality under 15 USC 1681. ( XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.
15 USC 1681s-2 ( a ) ( 1 ) A person shall 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: Student loan

I have had a lot of problems with Fedloan and the PSLF temporary waiver process. They gave me conflicting information over what I should consolidate. I called twice and it took over two hours to reach someone. I consolidated only my FFELP loan in to a direct loan but now they wont answer my emails. I keep sending them the letter where they approved my employment under the PSLF waiver but they keep saying I need it. They have not updated any payments toward my loan and they have not transferred over my large Direct Loan from XXXX XXXX. XXXX XXXX got my loan from XXXX without my consent. They also sent me a letter indicating that I should perhaps consolidate the FFELP with the prior direct loan but I did not do that because their person on the phone said not too. This waiver program is a mess. They processed my application in XXXX and they approved my employment. Now they say they just got my application and have not confirmed my employment. I sent them copies of their own letters and they refuse to answer my emails? I should have at least one loan that should be forgiven as I have worked for a state university since 2007. They are giving bad advice, dont understand the waiver, not answering emails, and not updating anything. Please help as this program is a mess. Thanks. XXXX XXXX
Product: Checking or savings account

In late XX/XX/2023 I had fraudulant activity online and notified my bank WF, they did their investigation and gave me back my funds and I was sent a new card. Then I received a call from a " Wells Fargo Fraud '' agent as that is what it said on my caller id and they stated we noticed that there was a fraudulant activity in XXXX store in California. This " agent '' asked me if I was in California I said no I am in Georgia and I still havent received my new debit card. Then they were able to get into my account. I was told to not open my account as they were going to watch it and in XX/XX/2023 they tranferred {$2000.00} from my savings to my checking and went to the bank in FL and withdrew the money and then two days later went back and tranferred {$1900.00} and withdrew it at the same bank. Once they called me again and I didnt answer I went to call the bank and looked up the number to call and thats when they informed me that they never call people and screamed and she helped me pull up my account and all that money gone. I went straight to the branch to file numerous frauds and complaints and even went to consumer and still not getting my money back. I even opened up a police report so they can pull the cameras and prove that it was not me.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it is necessary to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccurate reporting in terms of amounts and dates.
Product: Mortgage

Selene Finance LP did not pay my property taxes out of my escrow account, they also did not pay my home owner insurance out of my escrow account. My property taxes are past due as of XX/XX/2023 with multiple late fees. 
Property taxes : {$11000.00} due on XX/XX/2023. Now with multiple lates fees the recent bill is in the amount of {$13000.00} due by XX/XX/2023. Another late fee will commence after XX/XX/2023. 
Home Owners Insurance : Amount due {$1800.00}, on XXXX XXXX was also past due and has been paid by us directly since we did not want to loose coverage on our home. 
We have contacted Selene Finance on a weekly Basis since XX/XX/2023 and we get the same response each time " your problem will be fixed this week '' The Property taxes are now almost 5 months delinquent, and the 2nd round of property taxes will be due in XXXX. 
We have over {$35000.00} in escrow which has NEVER been used to pay any of our property taxes or home owners insurance by Selene Financial LP. We have never missed a mortgage payment, and often make supplemental principal payments. What this company is doing is gross negligence and putting us at risk for foreclosure on our property. 

They should be investigated and shut down.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau, I received a copy of my credit report and i have found the following items listed below to be in error. An account is listed with late or missed payment and that is incorrect. the following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any Information that the creditor can not verify. I understand that under 15 U.S.C Sec.161i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter. 

Please send an updated copy of my credit report reflecting the requested changes. 

Thank you for your help in this matter.
Product: Mortgage

I have not received the tax documentation for our 2023 tax filing. 
Truist has disabled the online account, so that I am unable to get the document. 
They are refusing to re-establish access to the account so that I can access the document for our current tax year filing. 
They claim to have mailed it, and present the only option available to me is to mail it again. 
I want to get our documents more timely than that to our accountant. 
It seems unreasonable to disable online access to the documents for this loan within a time frame that includes correct filing of current year taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported not accurate. 

15 U.S.X 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Bank account or service

I wen to the Huntington Bank to open my first checking account as an adult and for reasons unknown I was denied for whatever reason, I did have one when I was XXXX but that was left in good standing, So I submitted a request to check systems and they had absolutely nothing on me. I have not had an account in at least XXXX years, I am a young women who has a very hard time and now am trying to get my life in order. IM engaged to the man I love and we want to become first time home buyers. However this is hard to do when I seem to have thing holding me back from opening a simple checking account. I honestly feel that I have been discriminated against and I feel that I should be given just a little credit as I really am trying to better not just my own life but my children 's as well.. 
I would be very grateful to any on that can help me with a little help. 
Thank You Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX from XX/XX/XXXX - XX/XX/XXXX and while XXXX  someone used my identity to open up a DISCOVER credit card on XX/XX/XXXX. The account charged off in the amount of {$720.00} and is still reporting negatively on my credit report. I have fought with DISCOVER & all 3 credit bureaus to try to resolve this issue since XX/XX/XXXX. To date XX/XX/XXXX they are still saying its verified as mine. This is so wrong. I'm a man trying to get my life back together and really did not do what they are claiming " I '' did and its ruining my life. I keep getting denied for everything. I even sent proof of my final discharge paperwork. Please help me rectify this problem that is giving me XXXX XXXX
Product: Mortgage

Guild Mortgage Company rejected both my Mother and my payments. The Note Contract is very clear, My Mother XXXX XXXX and I XXXX XXXX have 15 Calendar days pass the first of the month to get the payment to Guild Mortgage Company which totals {$1100.00}. It does not says WE CAN NOT send two checks that totals {$1100.00}. My mother and I are separate entities and are NOT married to one another and have separate checking accounts and do our business separately. Guild Mortgage Company is confused when they read the Deed of Trust that states they can reject partial payments after the 15 calendar days, but our payments were received by Guild Mortgage Company on XX/XX/2019 and XX/XX/2019. Because of receiving these two checks that totaled {$1100.00}, they believe they are in the right to reject payments, but in turn are breaching the contract and technically at that point XXXX XXXX and I would owe nothing once a contract is breached. The Month of XX/XX/XXXX Guild Mortgage Company excepted two separate checks one for  {$500.00} and the other for {$630.00} on the XX/XX/XXXX of the Month and marked these two payments as a single payment into their system ( Which is also a banking violation ). I need this issue corrected ASAP on loan number XXXX. 

BORROWER 'S FAILURE TO PAY AS REQUIRED ( A ) Late Charge for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be XXXX of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment.
Product: Student loan

My student loans were transferred from Sallie Mae to Navient ( without my consent to start ). I went to XXXX University in XXXX and returned in XXXX but could not finish as I had capped out on my loans. At no time, when I was XXXX, was I advised the school maybe too expensive for my family. At the time, my mom made a salary of XXXX and was the sole provider. 

My debt has been in forebearance several times, as I am a single mom to a son with XXXX and also a sole provider. I have asked Navient numerous times how I can repay without nearly 80 percent of the payment allocated to interest. They said there were no options and that the income repayment plan was the only option. I have deferred twice during all of these years and make $ XXXX with a debt that has risen to $ XXXX for a bachelors I still do not have and in a subject that has nothing to do with my job. I majored in XXXX studies, acquired 88 credits, and I work in accounts receivables. That has been my profession for nearly 25 years. 

In reading the current settlement, I believe they have deceived me as they offered me no feasible option to pay down my loan. I cant even rent an apartment as my income to debt ration is so high. I am living in an unhealthy situation with my son who needs peace and we need to move. All I want is fairness. The interest they have charged me is nearing XXXX! on a XXXX loan. That is outrageous. No other card or line of credit takes a monthly payment and applies it all to interest first at 80 percent then 20 to the actual debt amount. 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran my credit and notice things I had no knowledge of. I never use my personal credit for anything. I called each company numerous times which they stated it will not be reported and its still being reported. Its been over five months. I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
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 privacy 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 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 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. U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. The following inquiries were also opened under my social security number fraudulently as well. 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
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX