23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have filed my complain previously to CFPB ( Case number : XXXX ) against SLFC regarding cosigning student loan. SLFC, in response decided that it will make the necessary transactions to remove me as cosigner from the loan and also agreed to take necessary steps to remove and repair my credit report and score that has been affected. Unfortunately my latest credit reports ( XXXX 2016 ) from all XXXX credit bureau indicating that the student loans still active in my reports. SLFC should take necessary actions to remove all these " active '' delinquency from my report.
Product: Credit card or prepaid card

I've never had a Chase account this account doesn't belong too me I called too be told nothing can be done for me.
Product: Credit reporting or other personal consumer reports

Dear credit bureaus, I am writing to formally dispute the accuracy of a collection account listed on my credit report. The details of the account are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/year> ( as reported ) After carefully reviewing my credit report, I have noted that this account is being reported as opened in XX/XX/year>. I do not recall ever opening an account with this creditor on the specified date. Therefore, I am requesting the following information in accordance with the Fair Credit Reporting Act ( FCRA ) : Method of Verification : Please provide a detailed description of the procedures used to verify the accuracy of the information regarding this collection account. I would like to know the specific method and sources you utilized in your verification process. 

XXXX XXXX : Please provide the name and contact information of the original source that provided this account information to TransUnion. 

Documentation of Account : I request a copy of any contract or agreement that bears my signature and indicates that I opened this account in XX/XX/year>. I would like to review the original documentation to verify the legitimacy of this account. 

Under the FCRA, I am entitled to request this information, and I expect a prompt response from your office within 30 days from the date of receipt of this letter. If the disputed account can not be verified or if the requested documentation is not available, I request that this account be removed from my credit report immediately. 

Please confirm receipt of this letter and provide me with the requested information at your earliest convenience. I appreciate your prompt attention to this matter. 

Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 XXXX  US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XXXX  ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the items as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the items. They were opened without my knowledge, authority or consent. 

COUNTY OF XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX & XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Debt collection

To Whom it May Concern, This Letter is a formal complaint that you are reporting inaccurate and incomplete credit information, I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that the bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a credit profile to all creditors who have received a copy within the last six months, or the last two years of employment purposes.

Additionally, please provide the name, address, and telephone number of each grantor or other subscriber. Under Federal Law, you have 30 days to complete your re-investigation.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

syncb/care credit is reporting on my credit that it is currently an open account and that I owe them XXXX even though the debit does not belong to me shows Im using XXXX XXXX  credit used thr credit limit says XXXX $ and that the highest balance was XXXX $ its affecting my score date of last payments says XX/XX/year> I do not own this debit so I shouldnt be penalized for it
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00}, XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

These XXXX  loan accounts are reporting negative when it was clear that I paid them look at my previous payment history an correct it back to its original reporting if you are unable to do that remove accounts below there will be attached a complaint regarding these inaccuracies if you don't want to be held accountable for {$1000.00} per violation update them { US DEPT ED } Please block inaccurate information if your unable to update correctly remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$1600.00}
Product: Mortgage

The buyers did an appraisal with XXXX XXXX. XXXX on XXXX/XXXX/2015 and the Opinion of value was at {$96000.00}. The Investor ( XXXX ) did an appraisal and stated that the home is worth {$110000.00}. How can the appraisal be a difference of {$17000.00}. Below is the note that I received from Fannie Mae : '' The current offer does not meet the requirements being demanded by the investor. The investor is demanding XXXX with a net requirement of {$99000.00} ( see attached hud line XXXX ). The buyer appraisal is only XXXX which the buyer is willing to pay and as reflected on the hud would require a cash contribution in amount of {$16000.00} from you, see line XXXX of the hud ''.
Product: Credit card

On XX/XX/year>, I opened a new SKYPASS credit card with U.S. Bank. As part of the signup promotion, I was assured that upon spending {$4000.00} within the first XXXX months, I would receive XXXX bonus miles. However, in XX/XX/year>, U.S. Bank unilaterally changed its policy, stipulating that any cardholder who had received a signup bonus within the past XXXX years would no longer be eligible for this offer. 

While I understand that companies reserve the right to modify their policies, I firmly believe that these changes should not affect customers who enrolled or opened accounts under the original terms. I promptly opened a case with the loyalty department to address this issue, only to be informed that I am ineligible for the bonus miles due to the current policy. At no point during my application process was this new rule mentioned. 

Moreover, I have already been charged the {$99.00} annual fee for this account and have been using the card regularly for many of my daily expenses. As a loyal U.S. Bank customer for over 10 years, I find this situation unacceptable and deeply frustrating.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Name : XXXX Account Name XXXX XXXX XXXX Account Name : XXXX XXXX
Product: Credit card

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX  which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationXXXX. Please delete the following accounts. 
CITICARDS CBNA Date XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to dispute several errors on my credit report that require immediate attention and correction under the Fair Credit Reporting Act ( FCRA ). 
XXXX. XXXX XXXX XXXX XXXX Account This account is inaccurately listed as a repossession when it was actually a voluntary suspension. Additionally, there are discrepancies in last payment dates and payment status codes across the credit bureaus, which highlight errors in reporting. 
XXXX. XXXX XXXX Account This account, last active in XX/XX/year>, exceeds Georgias six-year statute of limitations and should no longer appear on my credit report.
Product: Checking or savings account

We bank with Wells Fargo Bank since XXXX and on Friday XXXX XX/XX/XXXX, I received a call from the Well Fargo Fraud department phone number. They called me to confirm some questionable transactions with my account, we talked for over XXXX hours to discuss all the transactions. They asked me about atm transactions and XXXX transactions. I of course told them I didn't autheroize any of it. During the talk they did the normal confirmation its me, and they went back and forth on different transactions. After our talk, they told me my account access would be locked out due to the investigation and that if I used my card or accessed my account it would interfere with the investigation. They called again on Saturday XXXX to discuss more transactions and on Sunday during church, they called me over XXXX times, which I didnt answer because. After that, something felt wrong. I reset my account password to gain access to my account and found out that someone had depleted my checking and way to save account, totaling {$970000.00}. I called the Wells Fargo Department on the XXXX that evening, to tell them about it. They froze my account and started an investigation. They told me it would take 10 days. On Monday the XXXX, I called Wells Fargo to get any information or updates, I was met with someone who was short-tempered and wouldn't help. After 3 days, I called them back and spoke with someone who was more helpful. She helped me close the accounts where they couldn't take anymore. During our talk, she gave me access to my again and that's when I noticed the scammers had made cash advances out from my Well Fargo Credit card, totaling {$3500.00} with Fees. The first results came back from the investigation they said that I authorized it. I then called again to do another investigation. Once again the same results. I tried XXXX more time and found out the first XXXX fraud personnel didn't clearly state what happened. During the third try Well Fargo Fraud investigations, I spoke clearly and told them that in 72 hours the scammer spoof called me, and took {$13000.00} in 72hrs, No one from Wells Fargo contacted me and said anything, over $ XXXX of cash advances and they said nothing. No unusual activities call from Wells Fargo Fruad, nothing. Then after that, They determined it was me or someone that I gave access to, who took our money. I didnt take the money, but all I did was compile with who I thought was a Wells Fargo Fraud representative. They scammed me, by calling from the Wells Fargo Customer Service number a phone number that I was supposed to trust, phone spoofing, gaining access to my account, and taking our money. Even dealing with the correct people trying to get to the bottom of this, It was like XXXX, they asked the same questions like the scammers. I waited this long to ask for help because I truly thought Wells Fargo would see that I didnt do {$13000.00} of transactions in 3 days. Who in their right mind would do that?
Product: Debt collection

I previously had an account with XXXX for two years from XXXX, I was a loyal paying customer and had my account under auto pay. A few months before I disconnected my services, I called to lower my bill as I was going through financial hardship due to COVID but was informed by a Representative that due to being on a contract that the Covid relief was not offered to me. 
I called back and spoke to a supervisor who said theyll work with me, but all that can be done was stop the XXXX XXXX XXXX XXXX XXXX only if I made the payment in full which was done, unfortunate for me It really made no difference, mind you at this time I just had internet. 
I was then billed as if I were receiving services that I honestly was not. I researched on XXXX how to submit a complain and claims in which I did back on XX/XX/XXXX, I have not heard back from them. However, I did have a collection agency reach out to me today via Mail ( Sequium Asset Solutions LLC ) to inform me that I am in collections for approximately {$690.00} which dates to XX/XX/XXXX, again keep in mind I disconnected this service back in early XXXX, and have a credit freeze. Can someone please advise what other protocol can be done to finally resolve this problem?
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company {$4000.00}.
Product: Student loan

The way my loan payment is setup it is split into groups. If I pay by account, the amount I pay is split by them between the three groups. But it doesn't specify which group is getting what. 

Two years ago I made a large lump payment from inheritance that cut my owed amount in half. And after that I paid an average of {$100.00} payments which was double their {$58.00} recommended amount. 

The {$58.00} was being split between Group A and Group D, with interest rates of 4.5 % ( Group A ) and 3.860 % ( Group D ) while {$0.00} was being applied to the loan with the 6.8 % ( Group B ) rate meaning it was just gaining interest this entire time. 

Since then I've been using the 'pay by group ' option so I make sure some of my payment is going to Group B. 

I've attached the screen to show how they look, but since I already paid for this month it won't show the automatic distribution. I can provide that at the start of the month when the next payment required shows up.
Product: Mortgage

3 years ago we were informed we needed flood insurance by our mortgage company because FEMA redrew the flood maps and a fraction of the home, built in XX/XX/1955, and maybe 25 % of the property, is now in the area where we are deemed to have a 1 % chance of flood damage in 100 years. Our mortgage payments had been set up as a reminder on our checking account, I do not write a physical check, so I did not review the monthly statements. We started to receive threatening notices about the need for insurance and a clause in the law that says the mortgage company can force the homeowner to pay into this escrow account and they would purchase the insurance for us, with a warning that their rates may be higher. After several months of threats, and no progress when contacting Chase Morgan, we obtained Flood Insurance from XXXX for about {$500.00}. They kept trying to collect {$4000.00} in escrow. 
Again, this year, same thing. They never sent the escrow that had been collected to us to pay the current year flood insurance, which ran over {$600.00} this year, yet they are still trying to collect {$2500.00} in escrow. Now they are threatening with : 1 ) adding the escrow due back onto our principal, 2 ) putting our loan into collections, 3 ) even though the flood insurance has been paid, force us into insurance from a company they control. 
Flood insurance is only available from FEMA, they should ALL have the same rates, yet their insurance company quotes over 3 times the XXXX rate. We have done an elevation certification, to show the map FEMA used was inaccurate, and out of date, trying to get a variance from FEMA so we would be exempt from the insurance.
Product: Debt collection

I do not have knowledge of this debt. I have disputed the debt with the 3 credit bureaus at least 3 times, requesting proof that the debt is mine and or removal from my credit report. 

The collection agency is claiming a debt with XXXX XXXX, saying the account is recent, however ; I have been with XXXX XXXX and/or XXXX for >15 years. 

I called and requested proof of a contract or something I signed or agreed to. The collection agency sent me a document to report " identity theft '', and to provide a police report which is no applicable, as I did not have a XXXX account in my name, was not aware of the account, so no police report would be available.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information regarding late payments on my DEPT OF XXXX / NELNET consumer report, as reported by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), I demand an immediate investigation and removal of these inaccurately reported late payments associated with my account. 

The late payments in question violate the FCRA, particularly Section XXXX, which mandates the maximum possible accuracy of information in a consumer 's file. These inaccuracies also constitute a violation of my rights under the FCRA, which explicitly requires that information reported to credit bureaus must be accurate, verifiable, and reported with the consumer 's permission. 

Moreover, I draw your attention to XXXX ( XXXX ) of the FCRA, which excludes from the definition of " consumer report '' any report containing information solely as to transactions or experiences between the consumer and the person making the report. A late payment is considered a transaction or experience, falling under this exclusion, as defined by XXXX XXXX. XXXX. 

The late payment information reported in connection with the above accounts is considered an experience, falling within the scope of the transactions or experiences that XXXX has excluded from consumer reports. As per the FCRA, you are required to delete the late payments information from the accounts attached. 

Section XXXX ( a ) ( XXXX ) of the FCRA further stipulates that credit reporting agencies XXXX only furnish consumer reports for legitimate purposes, such as credit transactions, employment purposes, or insurance underwriting. I am not aware of any legitimate purpose for reporting these late payments, and I affirm that I did not authorize the reporting of such information to your agency by XXXX OF XXXX / NELNET. 

Additionally, I bring to your attention the specific provisions in XXXX XXXX XXXX XXXX, which mandates that creditors XXXX not treat a payment on a credit card account as late unless reasonable procedures ensure the delivery of each periodic statement, including required information, to the consumer at least 21 days before the payment due date. 
Your prompt attention to this matter is imperative. 

In accordance with Section XXXX of the FCRA, I demand a thorough investigation into these disputed late payments. I expect written confirmation of the investigation 's completion and details of any actions taken to rectify this matter within XXXX calendar days. 

Failure to respond satisfactorily within the stipulated timeframe will leave me with no option but to take legal action against your company. I will seek damages of {$1000.00} per violation, including but not limited to defamation of character, negligent noncompliance, civil liability, mental anguish, and the FCRA XXXX XXXX. XXXX for violations under willful noncompliance ( Section XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year I found out that I was a victim of identity theft. I notified the authorities, the FTC, XXXX, XXXX, XXXX and also filed a claim with the CFPB in reference to the fraudulent accounts that had been applied for and reported to my credit profile. I have recently noticed additonal accounts that have been fraudulently applied for and that are reporting to my credit profile. I have also noticed additional attempts to obtain fraudulent accounts in the form of credit inquiries on my credit profile. I am extremely discouraged by this situation and feel helpless because some criminal has access to my personal information and at any time can use it to commit criminal activity. This activity has caused me anguish and torment, knowing that no matter the efforts I put into remedying this situation it can all be wiped away with another additional fraudulent act by this criminal.