23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a follow up to complaint XXXX. 

You closed the complaint even though it was never resolved. The company has yet to provide me with any shred of evidence that there is a debt. I have received no documentation to back up their claim. 

You simply take their word that they are going to do something, then you cavalierly 'close the complaint '. Your chartered responsibility does not stop there. It is up to you to follow up with the company to ensure compliance, so please do so. This company is rude, unresponsive and unprofessional and it is your mission to protect consumers from predators such as this Eastern something or other. 

Kindly reopen this complaint or open a new one, and stay on the case until there is action. 

thank you.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

l was sent an invitation to apply for a Capital One credit card. l read through the disclosures. The only explicit 'terms ' were the APR 's. Now l 'm being charged monthly for purchases l 've ALREADY paid the interest! They STILL are charging me the same amount to month ro month (! ) on interest already paid- at the time of purchase ; yet they STILL charge me on the same on purchases EVERY MONTH! 
l 've tried, to no avail to rectify this. Even up to corporate offices. They are immovable! They say, 'we understand. But nothing can be done '! l explained l 've already paid THAT interest! And you continue to charge me for the same purchases for which l 've already paid! ' Still, they remain unmovable!! l explained " this was borderline racketeering ; fraudulent, etc ... '' They remain unmovable! 
Please! help me! Else me, nor ANYONE will ever get their balance off, nor paid down! Last month as in the previous, l paid MORE than the minimum. Still they charged me half (! ) of my payment 'on interest for purchases ' ; which l '' ve NOT made ANY purchases!! 
Thanj you, regards, please help me!!
Product: Mortgage

I am now a senior citizen who has never had issues with multiple properties and mortgages being paid on time and serviced properly. This whole issue began when XXXX XXXX sold/ transferred my mortgage to SPS Servicing in XX/XX/XXXX. 

Current Status : SPS via an intermediary named XXXX XXXX, has sent notice of my mortgage being in Pre-Foreclosure.

Action : This process must be halted by SPS, so they and I can resolve issues I first reported on XX/XX/XXXX and am continuing to report today. 

SPS responded to my initial complaint on XX/XX/XXXX. They addressed one issue out of four reported - correcting a ~10 month delay in moving escrow funds into current payment which was promised in XX/XX/XXXX. Other issues inadequately addressed are : 1. YTD interest removal for my lost opportunity to pay off the loan requested in XXXX. 
2. Removal of late fees over {$2000.00} accrued by the previous mortgage holder 3. Poor to no viable communication with a customer service Since then, these have been new issues I've encountered : 1. As of XX/XX/XXXX SPS.s online site stopped accepting my monthly payments unless I paid the challenged late fees, and other unclear fees. 
2. SPS then sent threaten to foreclosure letters on XX/XX/XXXX and XX/XX/XXXX. The first was within 15 days of their finally correcting {$24000.00} misplaced payment issue. 
3. As of XX/XX/XXXX, SPS started removing access to most of my account info on their online portal. I could not make payments, see my dashboard, communicate.

4. At the same time, SPS received and returned 1-2 monthly payments I made through my personal banking billpay system, citing insufficient funds to cover fees due. 
5. In XX/XX/XXXX, SPS mailed a bogus letter claiming I requested they remove my customer support contact and service. I made no such request. This effectively cut me off from any communication to resolve the above issues. 
6. Early in XXXX, through an intermediary named XXXX XXXX out of XXXX XXXX, SPS started sending legal notices of pending foreclosure actions. 
7. On XX/XX/XXXX, SPS sent a letter stating they are ready to help resolve issues. They only provided a generic number, without a named customer service person as had been their standard operating procedure until XX/XX/XXXX. 
8. In XX/XX/XXXX, SPS via XXXX XXXX, sent legal notice of a my account being assigned for Foreclosure, naming XXXX as the foreclosure processor. 
9. Also in XX/XX/XXXX, SPS raised my current monthly interest rate from 4.375 % to 6.375 % without any prior written notice of that rise.

10. In early XX/XX/XXXX, XXXX XXXX sent legal notice of a projected sale date of XX/XX/XXXX. In that correspondence, they offered a bogus {$950000.00} new loan that is almost 75 % larger than my current outstanding debt. 
11. in late XX/XX/XXXX, XXXX XXXX sent another legal notice of a projected sale date of XX/XX/XXXX. Again offering the {$950000.00} new loan which is tantamount to blackmail.
Product: Debt collection

I am writing to dispute a fraudulent account that is being reported by WORLD ACCEPTANCE on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that WORLD ACCEPTANCE cease reporting this account and remove it from my credit report as soon as possible. 

I am currently taking steps to protect myself by completing the identity theft report and a police report. Please provide confirmation that this account will be removed from my credit report.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Re : Permanent Deletion of Collection Item from All Credit Bureaus Dear CFPB, I am writing to formally request the permanent deletion of a collection item from all credit bureaus. This item has already been removed from my XXXX report but remains on my Equifax and XXXX reports. 

Details of the Collection Item : Creditor Name : Source Receivables MNGMN Account Number : XXXX Date of Collection : XX/XX/year> Basis for Request : Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) : The FCRA mandates that consumers have the right to dispute inaccurate or incomplete information on their credit reports. The deletion of this collection item from my XXXX report strongly indicates that the information is inaccurate or unverifiable, and therefore, it should be similarly corrected or removed from my Equifax and XXXX reports. 

Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ) : Despite my formal disputes with both Equifax and XXXX, they have not completed their reinvestigation within the statutory 30-day period required by law. The FCRA is clear that if an item can not be verified, it must be promptly deleted from the consumers credit report. 
Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ) : In accordance with the FDCPA, I requested validation of this debt from the collection agency. The agency has failed to provide sufficient and accurate evidence of the validity of this debt. Without proper validation, this debt should not be reported to any credit bureau.
Consumer Financial Protection Act ( CFPA ) - Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : The continued reporting of this item constitutes an unfair and deceptive practice under UDAAP provisions. The inconsistency of this item 's status across different credit reports is indicative of potentially deceptive reporting practices, which are detrimental to my creditworthiness and financial health. 

Prohibition Against Reselling Debt ( FDCPA Section 805 ) : I also request that this debt not be sold to another collection agency. Such an action would not only perpetuate the inaccuracies but also violate the principles of fair debt collection practices. 

Enclosed with this letter is proof of the deletion of the collection item from my XXXX report. This documentation should serve as evidence that the item has been deemed inaccurate or unverifiable and should, therefore, be removed from all other credit bureaus to ensure the accuracy and completeness of my credit profile. 

In light of the aforementioned points, I respectfully request the CFPB to intervene and mandate the permanent deletion of this collection item from my Equifax and XXXX reports, ensuring it does not reappear in the future. This will ensure compliance with federal law and maintain the integrity of my credit profile. 

Thank you for your prompt attention to this serious matter. I look forward to a swift resolution and your confirmation of the actions taken. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company are responding to complaints in less than 12 hours. Disputes submitted today the XX/XX/year> and got a negative answers by XXXX nit even 10 hours after the submission. How is this possible!??! EXPLAIN!??? 

I am writing to formally dispute the inaccuracies on my credit report and to express my serious concerns regarding the sham investigations being conducted by your agency. Receiving responses in less than 12 hours after submitting a complaint indicates that no proper investigation is taking place, nor are the attachments I provided being reviewed.

Under the Fair Credit Reporting Act ( FCRA ) : - **15 U.S.C. 1681i ( a ) ** requires consumer reporting agencies to conduct reasonable investigations when a dispute is raised.

- **15 U.S.C. 1681s-2 ( b ) ** outlines the responsibilities of furnishers of information, mandating them to investigate and correct inaccuracies. 

Despite my submission of a letter from the collection agency confirming the closure of my account, the erroneous entries on my credit report remain unaddressed. This lack of action raises significant concerns about the integrity of your investigation process. 

I request proof of all investigations conducted regarding my credit reports. It is unacceptable to receive responses so rapidly without proper review. Please submit the re-investigation procedures and any documents obtained from these investigations. If I do not receive these documents within 15 days, I will begin seeking legal counsel. 

Please be advised that all communications are being saved as proof of my multiple attempts to resolve this matter. Attached, you will find all necessary documents for your review. 

Thank you for your immediate attention to this issue. I expect a thorough review and a prompt response. 

DELETE THEM IMMEDIATELY.
Product: Credit card or prepaid card

On XXXX XXXX, 2019, I found out that there were fraudulent activities on my prepaid/debit card. I reviewed last 4 transactions and there were money taken out from my account in the total of {$800.00} plus fees. I contacted my a card and told them what happened. They identified activities and it was 70 miles from where I live. I was at work and I have possession of my card so I dont know how this is possible. The agent said that scammers could have cloned my card. 
I filed for dispute and later denied because according to them there were atm transactions and it needed my pin. But I told them I was at work and I dont give out my pin to anyone and the fact that I have my card in my possession when this happened. I filed another dispute and I hope they can give my {$800.00} back. 
I need help. What else can I do at this time?
Product: Credit card or prepaid card

I have had a credit card with XXXX XXXX XXXX for several years, since XXXX. I have exceptional credit, and I would use my {$13000.00} credit limit for my XXXX company, where I would average about {$10000.00} monthly in usage. I missed a payment of {$23.00} for XX/XX/XXXX, whereas my bookkeeper simply missed the payment, or potentially two payments. Either way, I have been an excellent consumer and credit risk for FNB Omaha XXXX XXXX XXXX, and I ask for a one time courtesy on the late payment ( s ) and a reinstatement of my card. I will place an automatic payment on my card. My company generates over XXXX in business annually. I have excellent credit and desire to keep it that way. I'm requesting full reinstatement and apologize for this misunderstanding. XXXX XXXX
Product: Checking or savings account

Citibank is holding all of my money hostage. I disputed a transaction over 3 weeks ago, and since then not only have they denied the dispute, they then locked and closed my account. They are now saying that I can not touch my funds for 30-60 days. They won't even give me a reason. This is criminal!!! All of my unemployment funds and a grant I  received from a charity are in here!!! Please help me get my money!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Around 15 years ago I got copies of my credit reports from the 3 big ctedit beureas. They all showed me with credits cards and othet types of loans with addresses in North Carolina.I have never set foot in North Caroluna. I had previously been in a class action case against my employer XXXX XXXX XXXX. I was in because I was 1 of the 300 top wage earners in the maintaince dept. Our names address SSN # how much we made and more had been put out by a high level supervisor and it was posted on bulletin boards even put online. After 12 years of litigation were awarded XXXX dollars because they found no evidence of anyone harmed. Now after buying a XXXX  XXXX with a slightly cracked taillight cover and having a very hard finding one. Nobody wanted to pass it inspection with red tape so i was stopped 3 times.all 3 officers asked if I was a registered XXXX XXXX.No.I asked why am I being asked this so i said if it shows that we need to fix it now. After awhile this officer said no it's XXXX XXXX crom North Carolina. So i asked how are we getting mixed up. No answer was given. But still Equifax for sure and maybe others. I haven't even been able to look at Equifax becauze I cant answer any of the 4 security questions. They tell me I have to provide documents to prove ive never lived there. What in the heck would that be. Looks like they should have to prove I did which is impossible beause i have never been even close. These Credit Bureau 's tag you with a # that affects almost all parts of your life. Insurane Companies.Utility companis loan everything a low # makes every far more than anybody else. I need some kind of documentation so I can get a new SSN #. Im sick and tired of fighting this XXXX for almost 2 decades. Help me and other Americans aho are unjustly being forced to pay outrageous amounts of money for things we need.
Product: Credit card or prepaid card

On XX/XX/XXXX there was a fraudulent charge made using my Chase credit card in the amount of {$470.00} from a XXXX  XXXX in XXXX XXXX TX. I noticed the charge a day or so later. I called Chase to advise of this. They closed out my current card number and advised would send out a new card number and also put this amount in dispute. 

When I looked at my credit card statement for XXXX, I saw that the XXXX XXXX charge had been posted to my account again. I called Chase on XX/XX/XXXX and spoke to someone in their fraud department. She said wasn't sure why this happened and would reopen investigation. Didn't hear anything so called back on XX/XX/XXXX ( was told investigation would take 7-10 business days ), then called back XX/XX/XXXX ( still no resolution ). 

Finally received a call from Chase fraud/recovery department ( yesterday XXXX ). She said it was not fraud and that charge would stand. She suggested I call XXXX XXXX in XXXX XXXX myself. So I called and spoke to a store manager. She said that was totally wrong. It's up to the credit card company to open a case and deal with the store and/or XXXX XXXX headquarters. She did suggest I make a police report, so I will try to do that next. 

I already had my credit frozen with all 3 credit bureaus, but now have added a fraud alert. Don't know what else to do. I am shocked and disappointed that Chase is being so unhelpful. Help! 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm reaching out to dispute the reappearance of an account from XXXX XXXX XXXX on my credit report. This account had previously been removed after a dispute, so I was surprised to see it show up again without any notice. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ), I should have been notified about this re-insertion, but no communication was provided. Im concerned that this may not align with the FCRAs requirements for ensuring accuracy in credit reporting, as outlined in 15 U.S.C. 1681b. For clarity, Ive attached a partial of my credit report showing the account in question. I kindly request that this account be immediately deleted from my consumer report.
Product: Mortgage

I submitted a 1st mortgage loan application online with Caliber Homes on Friday, XX/XX/2016. Prior to submitting the online application I contacted Loan Consultant XXXX XXXX with Caliber Homes at the XXXX XXXX branch. I told XXXX what my request was and she told me to submit my application online and put her name on the application so that it would be forwarded to her. I did not hear back from XXXX, so I called her two business days later, on XX/XX/XXXX, and left a voice mail. XXXX returned my call that evening. She did n't really understand my request and pretty much told me that she did n't think I should proceed with my loan request. Quite frankly she did n't even know what product I was looking for. So I told her what loan product I was considering and that Caliber Homes does offer the loan product, which is an FHA XXXX She then told me that another loan consultant handled these transactions. I told her that I would like him to call me. I never heard from him, or XXXX again. In addition, I NEVER received my early disclosures. I also never received any documentation from the mortgage company if my loan was declined or conditionally approved. The mortgage company never processed my " COMPLETE '' application.
Product: Payday loan, title loan, or personal loan

This is related to CFPB complaint number XXXX. The check to payoff loan with XXXX  was mailed to the designated lockbox of XXXX with loan number written on face of the check and deposited to an account with the XXXX XXXX, XXXX  branch of Wells Fargo on XX/XX/XXXX. XXXX has claimed they didn't receive check and during their follow up with Wells Fargo, were informed the check was credited to the wrong lockbox account. I was informed on XX/XX/XXXX that Wells Fargo would have this corrected by XX/XX/XXXX. It was still not corrected when I received another email from XXXX on XX/XX/XXXX stating that Wells Fargo was still working on correcting the issue and would have it resolved by the XXXX. As of close of business on the XXXX the error had still not been corrected and my calls to XXXX are left with no answers. I don't know if there is collusion between Wells Fargo and XXXX as to why the {$41000.00} payment has not been credited to my account, but I do know that my loan was updated with the XXXX credit reporting service to indicate the XX/XX/XXXX payment had been made. The account number on the check appears to be XXXX, XXXX or XXXX with lockbox number XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$180.00} ; XXXX XXXXXXXX Balance : {$250.00}.
Product: Debt collection

Received statement XX/XX/XXXX to XX/XX/XXXX for the amount of {$4800.00} from fifth third bank. Never open a account with them account was open in XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX fl XXXX. I believe this person has stolen my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was hacked, they say that my information was affected. Can not freeze my credit through any of the three credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX 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 XXXX business after the date of receipt. It has been XXXX  days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer 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 list IMMEDIATELY!

Inquiry : XXXX XXXX XXXX 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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXXXXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Product: Student loan

I am writing to formally request the discharge of all student loans held by Navient due to the companies, deceptive practices, misrepresentation and failure to provide proper guidance regarding my loan repayment options. 

Navient misled me by steering me away from income driven repayment plan which could have made my payments more affordable and eligible for loan forgiveness. Instead, I was repeatedly encouraged to enter forbearance or deferment, causing my loan balance to balloon, due to capitalized interest. 

This manipulation and has led me to years of financial strain. It has profoundly affected my ability to meet my financial obligations. In addition Navient has a history of reporting my payment status to credit agencies, severely damaging my credit score. This misinformation provided their representatives has delayed my pursuit of more favorable repayment options, and contributed to an overwhelming amount of accrued debt well beyond what I originally borrowed. These tactics are consistent with a widespread fraudulent behavior for which Navient has been sued by numerous states and the consumer financial protection bureau. Navients conduct has caused me significant financial harm, XXXX XXXX, and a long-term burden that couldve been avoided with honest and fair guidance practices. 

As a borrower who relied on XXXX advice and entrusted them to manage my student loans I believe I am entitled to the discharge all related debt that has created an unjust financial situation. I ask that my loans be fully forgiven. 

Thank you for considering my request, XXXX XXXX