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

This is my second letter concerning the incorrect credit reporting on my file. I am writing to dispute the inquiries listed below, which are a result of this error. These inquiries do not relate to any transactions for goods, services, or money that I have authorized. Therefore, I respectfully request the immediate removal of these erroneous inquiries from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These inquiries are completely unfamiliar to me. Additionally, the information regarding these inquiries has been removed by other credit bureaus, which casts doubt on their accuracy. The dates reported for these inquiries are also unclear to me. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within four business days upon receiving ( XXXX ) appropriate proof of my identity, ( XXXX ) a copy of an identity theft report, ( XXXX ) identification of the disputed information by me, and ( XXXX ) a statement from me confirming that the information does not pertain to any transaction conducted by me.
Product: Mortgage

XXXX, XXXX Mortgage sub-servicer ( The Money Source XXXX XXXX collects escrow for payment of insurance, taxes, etc on my home that is mortgaged. When I XXXX XXXX website for tax bill disbursement, it showed that the bill is not payed and interest accrued XXXX {$120.00} XXXX on my the balance. When I called the XXXX customer service, I came to know that my account was designated as non-escrow ( XX/XX/21 ). This activity is illegal and against the compliance. Further, if I had not browsed XXXX XXXX website for my property tax bill, city/county would have filed a claim on the property for non-payment of taxes. I followed up with XXXX Mortgage sub-servicer ( The Money Source XXXX XXXX to understand who will incur the interest on taxes, but to no avail. Appreciate your help in the matter. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working to get the fraudulent accounts that are on my credit removed for quite some time now. I am a victim of identity theft. I have been involved in several data breaches XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX XXXX data breach. My personal identity has been stolen and I am in need of desperate help
Product: Credit card or prepaid card

Citi Cards Acct # ending in XXXX XXXX This is in response to Citibanks final letter of XX/XX/2021 regarding denying our cancelation of the charge to Connected Investors in the amount of {$480.00} due to allegedly having no proof of cancellation. Please note there is another charge in the amount of {$1400.00} # XXXX for total charges of {$1900.00}. I have made several efforts to appeal Citibanks denial of my claim. 

I, XXXX XXXX, canceled an online course on XX/XX/2021 by telephone and on the merchants website. The merchant is claiming that I did not cancel my purchase. It must be pointed out and understood that the Merchant is being dishonest because proof of cancellation is in the possession of the Merchant. The Merchant unethically and intentionally makes it virtually impossible for the customer to prove cancelation. The Merchant is almost impossible to get a hold of and written messages go through their website so I can not have a copy of an email showing cancelation. I called the Merchant by phone to cancel. The record of that call is in the possession of the Merchant, not me. All electronic communications went through the Merchants website so I do not have a copy of an email to present. The Merchant has that. 

It is absolutely untrue that I never did contact the merchant to cancel my order. The Merchant was contacted and the order was canceled on XX/XX/2021. This was done by phone and other communications were online. 

The Merchant should not profit from their false statement. The order was canceled on XX/XX/2021 and I never logged in or used the service. 

This was an online class that was canceled. There is no product or service that was unjustly received or used. In any event, I was ill with XXXX XXXX  and could not have used the service. The merchant has lost nothing. I have lost {$1900.00}. I am the only one facing a loss here. 


Thank you, XXXX XXXX Acct XXXX XXXX
Product: Student loan

To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions. 
2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> at XXXX I received an email from an appartment complex declining my application because they believe I have a XXXX  and XXXX  on my record. I have informed them that the XXXX  was dismissed and XXXX was dropped to a XXXX. and its closed. I have document to show that its been taken care of. 

to resolve the issue is to update my information by dismissing my XXXX  on my record.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of consistent of 1 personal credit card associated with Syncb ( XX/XX/year> ) XXXX for insurance with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There are also fraudulent reports associated with collections relating to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned and any associated items be removed from each and every one of my credit reports and that all collection to said items cease pursuant to my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I opened my account on XXXX/XXXX/XXXX. I received my first statement via USPS. The company issued an incentive for me to sign up for online statements only. I requested online statements. However, I could not access my statements online. I received notification that my statements were available on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX and XXXX/XXXX/XXXX. However, when attempting to access the statement online, I received a message that the statements were not available and to review information in the Account Transactions section of their website. On XXXX/XXXX/XXXX, the due date of the payment, I made a payment that posted to my account and was listed on their customer portal. On XXXX/XXXX/XXXX they charged me a {$25.00} late fee. 

I, fortunately, usually pay my bills before they are due. However, I know many that do not, and, wait until the last minute. I contacted customer service on XXXX/XXXX/XXXX at XXXX am. They first attempted to state that my payment was set up for XXXX/XXXX/XXXX. Which, I promptly copied the confirmation for my XXXX/XXXX/XXXX payment for settlement on XXXX/XXXX/XXXX to them. Then they said that it was a system error and that it would correct itself when the payment posted to my account. 

My complaint is that this may be a systemic issue to improperly assess and collect late fees. It seems like I receive erratic statement notifications, I constantly have to keep on top of when I spend money to check the site when payment may be due, and payments made and posted on time are not reflected properly by the creditor. 

I did a quick XXXX search and this is not only happening to me. I see several others discussing these same issues, but to a much greater extent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/2021 XXXX XXXX or XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX Dear Sir or Madam : As of XX/XX/2021 it is still displayed on all three of my credit report files, XXXX, Equifax XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on Portfolio Recovery or known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX with a balance of {$1400.00} and another alleged account {$230.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you
Product: Debt collection

I tried to talk to the company and the people are rude and disrespectful, advised that this is my son 's debt and that I was told by the company that my check would just add to his income, and asked them multiple times that I wasn't the cosigner and I was told correct. Then when this debt showed up on my credit I called the company and they had been bought by the school that my son was going to for similar tactics with students, my son left maybe XXXX weeks before his roommates and they received money back but they placed this as a credit collection. Again I have even disputed the debt and asked the company for a settlement amount and they advised they had no way to contact the company and I have tried and all numbers are disconnected. I feel this company used this false tactic and lied from the beginning. The company procollect is rude and calls at different times to the point I let it go to my voicemail.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Accounts # XXXX, # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

XXXX
Product: Mortgage

My roof was damaged in a storm, for which I filed an insurance claim. The claim was paid as a two party check, which I had to send to the bank for their endorsement. Now they're refusing to release it. This is the timeline of events : XX/XX/2021 - Claim filed with insurance company ( XXXX ) for storm damage XX/XX/2021 - Inspection scheduled by XXXX ( completed by their preferred XXXX, XXXX ) XX/XX/2021 - Payment ( two-party check ) sent from XXXX ( {$7300.00} ) XX/XX/2021 - Call to Freedom Mortgage ( 8 min ) - confirmed details of process - they said " send us the check, we will endorse and return within 10 business days. '' Nothing mentioned about any additional requirements. 

XX/XX/2021 - Mailed endorsed check to Freedom Mortgage XX/XX/2021 - Work started/completed ( 1 day ) XX/XX/2021 - Call to Freedom Mortgage ( 16 min ) - checking status of check, had not heard from them, notified of additional requirements ( loss packet ) which was never sent, and never mentioned previously XX/XX/2021 - Received loss packet in the mail XX/XX/2021 - Call to Freedom Mortgage Loss Department ( 12 min ) - verify details of needed information for loss packet XX/XX/2021 - Email to Freedom Mortgage LD ( sent completed loss packet ) XX/XX/2021 - Automated confirmation response email received from Freedom Mortgage LD XX/XX/2021 - Balance sent from XXXX ( {$3500.00} ) XX/XX/2021 - Received letter from FMLD asking for the same information that was already sent XX/XX/2021 - Call to Freedom Mortgage LD ( 41min ) - confirming details of additional information needed for loss packet, mostly waiting on hold. They claimed to have attempted to contact me, though they could not verify any details of any such attempt. 

XX/XX/2021 - Email to Freedom Mortgage LD ( sent loss packet, additional needed info ) XX/XX/2021 - Gave check for balance to XXXX  ( {$3500.00} ) XX/XX/2021 - Email to Freedom Mortgage LD ( sent XXXX  W9 ) XX/XX/2021 - Automated confirmation response received from Freedom Mortgage LD. 

XX/XX/2021 - Received another letter ( dated XX/XX/2021 ) from FMLD asking for the same information that was already sent XX/XX/2021 - Call to Freedom Mortgage LD ( 7 min ) - said they needed a corrected W9 ( a box was not checked ), also said they tried to email me at an incorrect email address ( XXXX, with a d instead of the second e ) XX/XX/2021 - Email to Freedom Mortgage LD ( sent corrected W9 ) XX/XX/2021 - Received email from XXXX XXXX with FMLD stating We have been unable to verify the attached waiver of lien for XXXX XXXX XXXX with the IRS. Please have XXXX XXXX XXXX provide a verifiable W9 so claim may move forward. 

XX/XX/2021 - contractor verified information was correct, which I passed along to XXXX at FMLD via email, and have not received a response as of XX/XX/2021. Still awaiting payment of {$7300.00}. 

Apparently, Freedom Mortgage Loss Department is contracted to Proctor Financial. 

The XXXX  website is full of similar complaints about them : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 61 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for refinancing ( with cash-out ) of an existing mortgage that I had held for 15 years ( of which 12 were with Chase ) in XXXX and was rejected because " Chase 's lending guidelines only allow up to 75 % of LTV.. '' This seemed to me odd since, to my mind, I had a 30-year mortgage and I had never missed a payment and the value of my property had not in any way declined. On further enquiry it emerged that Chase had in its possession a Loan Modification Agreement that I had never seen ( but was supposedly signed by me ), on a day that was 3 weeks into my 8 week hospitalization in intensive care, was not notarized, was not witnessed by anyone who was identifiable, but extended the maturity date of the original loan by 12 years while reducing the monthly interest and principal payments by a whopping XXXX cents a month or XXXX cents a year. The original mortgage was a XXXX loan that Chase acquired in XXXX and it had a rate and payment caps meaning that it was a negative amortization loan. These loans were apparently banned for homeowners by Dodd-Frank in XXXX thus the need to " modify the loans '' to enable Chase to continue service them. Chase 's response to my complaints has been curt : Chase does not require notarization for loan modification agreements and the " signature on the loan modification agreement appears to match those on the original loan document. '' I feel totally helpless because Chase chose to " waive '' notarization of the Loan Modification Agreement which would have been the only way that both lender and borrower could prove that they entered into this agreement willingly and knowingly.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items on my credi report. 

XXXX : XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX TransUnion : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 someone tried to buy a car at XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. My information was used to try finance a car purchase. This is now on my credit report and I want it corrected and the inquiry removed an updated at all three credit reporting agencies.
Product: Mortgage

I recently spoke with a representative regarding the reason for denial stating Wells Fargo made a credit post decision from XX/XX/XXXX when I didnt open my loan until XX/XX/XXXX. Also Wells Fargo discussed Mortgage assistance options with someone that I didnt authorize to speak on my behalf and who never was on the mortgage or the note. I personally never received payment options and I have the income to afford payments