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

AFFIDAVIT OF TRUTH CREDIT REPORT DISPUTE & IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have written this affidavit pursuant to Title 15 UNITED STATES CODE 1681a Definition ; rules of construction to dispute furnished information that is identified as falsely reported without XXXX XXXX XXXX written permission on a credit report with your agency that bears XXXX XXXX XXXX XXXX and private information . XXXX XXXX XXXX as the private identified person request that you provided the following : Proof of Claim. That XXXX XXXX XXXX gave your agency written permission to create a report using my personal and private information. ( Title 15 UNITED STATES CODE 1681b Permissible Purpose of consumer reports ) Proof of Claim. That your agency has not taken XXXX XXXX XXXX personal and private information and sold it for profit to a third party. ( Title 15 UNITED STATES CODE 1681c-1 Identity Theft Prevention ; Fraud alerts and active duty alerts ) Proof of Claim. That your agency did not obtain XXXX XXXX XXXX personal and private information to report negative data to disable and/or prevent XXXX XXXX XXXX from obtaining credit as a consumer. ( Title 15 UNITED STATES CODE 1681q Obtaining Information under false pretenses ) Proof of Claim. That your agency is the sole furnisher of XXXX XXXX XXXX personal and private information ; if not, XXXX XXXX XXXX request that your agency provide the name and address of the agency that provided your agency with XXXX XXXX XXXX personal and private information. ( Title 15 UNITED STATES CODE 1681s-2 Responsibility of furnisher of information to consumer reporting agencies ) Due to the time-sensitive nature of this affidavit, under necessity, you are to respond with Proof of Claim within ten ( 10 ) days plus three ( 3 ) days grace granted by return service by certified priority mail to principal address. 

Should you fail or refuse by non-response to this affidavit within the time frame specified, general acquiescence and acceptance will be taking on your agency part as formally exercise and performed pursuant to your agency silence and dishonor ; there for your agency accept and recognize Title 7 UNITED STATES CODE 13 ( a ) ( 4 ) and shall be reliable for a maximum fine of one million dollars ( {>= $1,000,000} ) for each violation.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Mortgage

Received an insurance claim check from XXXX XXXX XXXX made payable to myself and wife, and our Mortgage Company. Mortgage Company is refusing to endorse check and release funds to us. They provided requirements of the documents they would need to release funds, we have provided all documentation provided to Insurance Company who reviewed and approved the claim and the money to fix our home. Every time we call/contact Mortgage Company, they claim that we need different paperwork or in some other form, and often times when calling their customer service line, they are based outside of the US, there is a distinct language barrier and calls are disconnected. There are no physical branches or US based customer centers, everything is done via phone and mail, which the Mortgage Company then advises that all transactions take 10-20 business days to process. Meanwhile, the Mortgage Company is refusing to release funds from the Insurance Company to us and we can not complete the work to fix the damages to our home from a busted pipe that would restore the home to its previous state.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX regarding inaccurate late payment reporting on my credit file. Specifically, my account with XXXX XXXX ( [ Account Number : XXXX ] ) is reported as 30 days late for XX/XX/year> and 60 days late for XX/XX/year>. The reported past-due amounts of {$300.00} and {$520.00} are inconsistent and inaccurate. Despite submitting a formal dispute to XXXX XXXX on [ insert date of original dispute ], the issue remains unresolved. 

Details of the Dispute : Late Payments : The account is reported as 30 days late in XX/XX/year> and 60 days late in XX/XX/year>. 
The past-due amounts reported are {$300.00} for XXXX and {$520.00} for XXXX, which are inconsistent with my payment records. I have never received notices or documentation to substantiate these amounts. 
Failure to Validate : I have requested documentation from XXXX XXXX to validate these late payment entries and discrepancies, but they have not provided sufficient proof. 
Applicable Consumer Laws : 15 U.S.C. 1666 : Under the Billing Error Resolution Act, I have the right to dispute inaccuracies related to billing and late payments. XXXX XXXX is required to provide evidence of the reported late payments. 
15 U.S.C. 1681s-2 ( b ) : XXXX XXXX XXXX as a furnisher of information, is required to investigate the dispute and report accurate information to the credit bureaus.
Product: Checking or savings account

Dear Chase, I am writing to formally address an issue that occurred with my account, which was unexpectedly closed by Chase. Below, I have detailed the sequence of events, including dates and actions taken by both myself and Chase, to request your assistance in resolving this matter. 

Incident Description : Date of Notification : XXXX week ago I received notification from Chase indicating that my account would be closed. No specific reasons were provided for this action. 
Closure Communication : It was communicated that the account would not officially close for an additional XXXX weeks, and any remaining funds would be sent to me thereafter. 
Immediate Concern : The delayed closure and the withholding of funds have put me in a financial predicament as I need the available funds to meet upcoming financial obligations, specifically to pay my credit card bill due soon. 
Actions Taken : Inquiry to Chase : Upon receiving the closure notification, I contacted Chase customer service to understand the reasons behind the account closure and to express my need for the funds to be released earlier due to my pending financial commitments. 
Response from Chase : The representatives refused to provide any explanation for the closure or accommodate an earlier release of the funds. 


Thank you for your attention to this matter. I am looking forward to your prompt response to help resolve this issue. 

Sincerely,
Product: Credit reporting

I am concerned that my personal information has been compromised. I am a XXXX employee which were compromised in the giant Fed hack recently. I have had fraudulent charges appear on at least XXXX of my credit cards recently, both individual accounts and authorized accounts. Additionally, at least Equifax includes both an incorrect address and an incorrect " alternate '' social security number for me. Those appear to be typos as they are only off by only XXXX or XXXX digits, but I 'm still concerned due to exposure in at least the hack on the XXXX database. Also, I 've been the target of phishing attempts that show evidence that thiefs have at least some of my personal info at their disposal. I would like to get an alert or something in that vein to alert potential creditors of potential identity theft or fraud. Thank you for your help.
Product: Money transfer, virtual currency, or money service

**Also see XXXX complaint number : XXXX Fiserv closed the prior complaint without sending me the money they owe me. I left voicemail at the number they provided in complaint above and they didn't return my call. 

Fiserv did not provide me a reliable contact number or assigned agent to deal with the complaint above. 

Fiserv did not respond to my demand for lost interest and compensation for my time due to their possibly illegal business practices.
Product: Credit card or prepaid card

I paid my account balance off before the accounts due date of XX/XX/XXXX and they are charging me {$62.00} in interest.
Product: Vehicle loan or lease

XXXX loan XXXX They charge me XXXX late fee with in my grace period 10 days due dateXXXX  every month i made payment for month of XXXX XXXX the XXXX with in grace period and they wouldn't give me refund XXXX
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that the Experian, XXXX and XXXX Credit Bureaus are not removing files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this complaint to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Westlake Financial has stopped my access to online bill pay, making the only way that I can pay them through the phone. There have been two incidents in which Westlake Financial has acted in bad faith through verbal communication, causing me to no longer be able to communicate with them through the phone. Additionally, any attempts to email them have not gone addressed with a personal response, only their automated response.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, I mailed a letter requesting verification of inaccurate accounts listed on my credit report. I never received a response. On XX/XX/2020, I sent another letter. it has been 6 months and I still haven't gotten a response and this inaccurate accounts are still on my credit report.
Product: Debt collection

We have contacted Blackwell Recovery and advised them to stop contacting us. We have sent multiple letters advising them to provide verification that they are authorized to act on behalf of XXXX XXXX XXXX XXXX 
They continue to reach out to us without the requested information provided. 
We have requested that they cease and desist all collection efforts, reporting a soliciting from their services. This is absolutely ridiculous for them to be still reaching out to us. This is extremely frustrating and stressful. The calls and the letters must stop.
Product: Mortgage

We closed with   XXXX   XXXX   XXXX  in  XXXX     2015  on a  XXXX  rehabilitation loan to finish a basement. The loan  officer  and FHA inspector recommended the same unlicensed  contractor to finish the basement. The FHA inspector told me not to hire  my own contractor because this type of loan requires a contractor that owns a business that is financially capable of beginning work without needing a down payment from the homeowner. The loan also requires bank approval of the  contractor and that contractor has to be licensed. The mortgage company approved a contractor who fraudulently sent them the license of another contractor. After I fired the unlicensed contractor, I asked the bank for a copy of the license the contractor sent to them for approval. The contractor sent a contractor 's  license ID # to the bank that belonged to someone else and they sent a copy of this license to the bank with a name on it that does n't match the names or signatures on the contract. Sadly, the bank approved this   contractor even with paper work that is clearly fraudulent. The contractor recommended by the bank had obviously committed fraud on a federal loan document and THE BANK REFUSES TO DISCUSS with me how a contractor requiring bank approval in order to begin work with this type of federal loan could be approved when the license the contractor sent had the name of another person not included on the contract. Any meticulous person who does a good job can see that fraud has occurred.
I would be remiss if I did not mention th  at during all of the many problems,  XXXX    XXXX   changed its name to  Homebridge Mortgage.  I was told by a manager that Homebridge only purchased some of the assets of   XXXX     XXXX , but I do n't know how this is possible since they never sent me notice of my mortgage being sold to another bank which I know is required by financial banking laws. I found out  XXXX   XXXX  changed its name only after sending an email to someone managing my loan who then told me their email address changed due to  XXXX   XXXX  turning to Homebridge. I have several emails to prove this.     Back to the problem at hand ; the former  contractor  did work that was not up to code, did not pass inspection and had to be demolished and rebuilt. They also received money paid from my loan for work they did not complete and that did not pass inspection. They left several pounds of trash in my back yard that I had to pay to be removed.     After several months of dealing with an unlicensed  contractor  ( that the bank recommended and approved ), I had to pay a newly hired  contractor  {$4600.00} to clean up, repair and rebuild what the unlicensed contractor had done. Not to mention the bank paid out {$5400.00} to a contractor for work that was not complete and did not pass inspection. The contractor they approved who clearly was not licensed.     I have copies of all of these contracts and the bank sent me the copies of the fraudulent documents submitted by the contractor that anyone can clearly see are fraudulent.     The bank refuses to discuss this with me still.
Product: Credit reporting or other personal consumer reports

These unauthorized inquiries are negatively impacting my ability to obtain credit and apply for loans. In accordance with the Fair Credit Reporting Act, I request that you promptly remove these unauthorized inquiries from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was trying to get a new credit card, and I realized that I had damage to my credit report. According to the 15 U.S.C. 1681 law, there should be no damages on my credit report because it is a defamation of my character.
Product: Debt collection

HI - Please clarify the payment status, comments, balance and account number as they might be erroneous. Correct or delete them from my credit report altogether. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX has lied to myself and the cfpb about receiving a credit application from XXXX XXXX in XXXX XXXX XXXX I now have evidence from the dealership in question and other banks stating that they can not provide a copy of the credit application. now I have evidence of XXXX XXXX XXXX in letterhead lying. if the cfpb allows this company to lie again, I will go the attorney generals office.
Product: Money transfer, virtual currency, or money service

XX/XX/2823 I deposited a check from XXXX XXXX stating that i just needed to deposit to the money was online called the bank that the check was drawn off of they stated it was not fraud so i deposited it the bank cleared it Then they Told me if I didn't send money back to them that they were going to be able to help me again.. On XX/XX/XXXX received another check deposit it again was told to send money back to them but this time it was if I didn't They were gon na come after me So of course I send the money back to the person ... A few days later my bank realized that these were altered checks... Bringing my account negative I am now - {$6100.00}. 
I am a XXXX mom of XXXX children who is leaving a domestic violent situation when you hear those things as a victim you tend to get intodier fighter flight mode I thought I was doing the right thing turns out it was a scam cash up ended up getting Then paid The money I sent to them but now I am struggling to get the money back to put back into my bank account and since then my bank account has taken my Washington State tax retuand apply it towards my negative account this is not fair and I'm getting daily charges and I can not afford it
Product: Credit card or prepaid card

I have been having difficulty with receiving my card in the mail. I am unsure if it is being stolen in transit, or if there is internal Fraud at Barclay 's, and would appreciate an investigation. 

While attempting to replace my card recently ( after multiple lost cards in the mail ), my card was stolen and used for most of its maximum limit ( {$2000.00} ). While reporting this to Barclay 's I learned about all of the other attempts ( on top of the successful charges to my account ). Barclay 's has since attempted to charge XXXX of the transactions again to my account. XXXX from XXXX and another from XXXX. I have never done business with either. Their explanation is that the perpetrator utilized my mailing address. As the card was presumably stolen from the mail, it is not surprising the perpetrator would have this information. 

I would like to find out if there is a better way to receive my credit cards and statements, as this is not the first this has happened.
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 Account # XXXX, XXXX XXXX # XXXX, XXXX Account XXXX XXXX, XXXX / XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX 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: Checking or savings account

Payments have been taken from me without permission. Also, havent gotten payments back.
Product: Mortgage

Payment History : ( first payment due XX/XX/XXXX ) XX/XX/XXXX = {$1100.00} XX/XX/XXXX = {$1100.00} ( payment on XX/XX/XXXX and XX/XX/XXXX had issues for some reason ) XX/XX/XXXX = {$1200.00} XX/XX/XXXX = {$1300.00} XX/XX/XXXX = {$1200.00} XX/XX/XXXX = {$1200.00} XX/XX/XXXX = {$1200.00} XX/XX/XXXX = {$1200.00} XX/XX/XXXX = {$1100.00} XX/XX/XXXX = {$1200.00} XX/XX/XXXX = {$1200.00} XX/XX/XXXX = {$1200.00} This is my payment history according to SPS 's records. 

They send me more than one Notice of Default - Right to Cure and more than one Changes to my interest rate and payment letters. I have never missed a payment ; I'm not sure after the 2-3 months of contacting SPS on XXXX regular basis they have not corrected the issue. Even after reviewing my transaction history, more than one manager sent escalations to the cashier department. 

I believe problem in their system started when finally approved a payment deferral I requested earlier in XXXX. They approved the request late ( XXXX ) XXXX or XX/XX/XXXX ; I ended up not needing the deferral and they cancelled it. IN THE MEANTIME, I never missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

The debt collector is refusing to answer the following questions and refusing to remove the account from my credit reports. 
1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed?
Product: Debt collection

XX/XX/year> at XXXX XXXX I received a text from Shepherd Outsourcing attempting to collect a debt that is not mine. I verified the debt is not mine by checking my annual credit report.