23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Wakefield XX/XX/2022 XXXX : {$1000.00} I looked at my credit report and noticed companies that I did not do business with or authorize any debt under my name. I also did not authorize any transmittal of my information to these companies. I do not know these companies these are fraudulent accounts. 


Sincerely, To Whom It May Concern
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request assistance with Experian. I believe that they are not actually investigating and verifying my accounts. I believe this to be true because after I submitted the same information to the other two credit bureaus XXXX and XXXX  and after investigating them the accounts were deleted. I wrote Experian several times regarding the inaccurate information on my credit report and they are refusing to remove it. 

My most recent letter to Experian states : XX/XX/2018 Experian XXXX XXXX  XXXX XXXX, TX XXXX Dear Experian, The below accounts are inaccurate, out of date and the balances are incorrect. 

Based on your results, I believe that you have not investigated or verified these accounts correctly or at all. By law ( FCRA Fair Credit Reporting Act ) you are required to investigate consumer disputes and remove the accounts if they are found to any inaccuracies. There is no way you could have properly investigated and verified these accounts and they were deemed accurate. 

I am requesting that you actually investigate and verify these accounts for accuracy, and delete them, as they are incorrect. 


Account Name : XXXX XXXX Account Number XXXX Reason : Not mine. 

Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number XXXX Balance {$7500.00} Reason : Inaccurate. Out of Date. Incorrect Balance. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number XXXX Balance {$15000.00} Reason : Inaccurate. Out of Date. Incorrect Balance. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number XXXX Reason : Inaccurate. Out of Date. Incorrect Balance.
Product: Mortgage

Our building is a small building with under 20 units condos in XXXX, because this is a very expensive area and just across the XXXX XXXX from New York City, a family of 4 ( husband, wife, mother & father ) using their connection with a loan officer of WELLS FARGO BANK and able to get conventional loan to slowly plotting to rob out the rest of building owners. 

In XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The family got the control of XXXX XXXX ( their family got XXXX seats out of XXXX ) they manipulate to increase the monthly maintenance fee to 34 % and add another 34 % assessment fee, they have a way to set a high budget and so. this increase become a big burden to unit owners and make it sounds reasonable. 

Our building is a vintage building, there aren't any special amenities. no elevators, no parking, no gym, no doorman, no swimming, childcare center, no landscape to maintain. and the maintenance fee for the smallest unit + assessment come to $ XXXX and for largest 2 bedroom unit cost $ XXXX. this is just like the cost of high end Coop near XXXX XXXX in XXXX. 
We know we need to take care of the building, we just paid off the earlier assessment around XXXX. But increase aggressively will just became heavy burden to unit owners and satisfied the plot of this family. 

Because of the expensive monthly HOA fee + assessment, many unit owners are fearful and this too discourage any prospective buyers They took advantage of the pandemic moment with a lot of uncertainties and fear. 

During the XXXX and XXXX they bought 6 units ( 5 units CONVENTIONAL LAONS from WELLS FARGO BANK ( public data from the NJ tax record ). They rented all the units out as soon as the deal is closed. 

The president of XXXX XXXX  follow whatever the family 's suggestions and it threatened the other 50 % of the building owners. At this moment he might be in the process of buying from another owner to get more power to control the HOA. ( over 55 % ). 

In XXXX of XXXX the management company send out a " disclosure of sales '' letters to the units owners. meaning, this is the highly rental ratio building and it's impossible to sell because no bank will want to give a loan to a high rented ratio unit. If you review the XXXX  or XXXX review, they have the worst rating, they don't answer regular peoples call or email, but this time, they will take the trouble to send everybody this disclosure letters. 

I hope the Bureau please investigate the WELLS FARGO BANK underwriter and loan officer for the occupancy frauds and the unjust to the rest of condo owners. Thanks!
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. 
Being that they have gone past the 30day mark and cant verify this account, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. I have attached document from Court House that they do n't furnish any information to the credit reporting agencies. I have also attached copy of credit report dated XX/XX/2016 results of the dispute for Tax Lien " This item has been updated to report satisfied/released. '' Also, within the 30 day dispute they sent me another copy of my report dated XX/XX/2016 with results that " We have verified that this public record item is reporting correctly. This account was never verified. Please resolve this manner as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent letters to the CFPB, XXXX, Equifax and XXXX, for all of my information on my credit reports to be removed, per the FTC privacy laws under 15 USC 1681, which guarantees the safety and privacy of my personal information. After being made aware of the Social Security Data breach where more than XXXX XXXX numbers were breached, I no longer feel that any security/blocks/freezes put in place at credit companies are safe and private. If hackers can get into a government website and obtain such critical information, hackers can certainly hack into a companies system to finish what they started. I believe it is within my right to request a 100 % clean sweep of all information included in any and all credit bureaus, including but not only, XXXX XXXX and the other 3rd party companies holding my life 's movements in their files. 51 years and 87 pages worth to be exact. I want it gone and by law I can demand it.
Product: Checking or savings account

On XX/XX/22 my business checking account was debited for {$2100.00} from XXXX XXXX ACH. It was on XX/XX/22 when my bank statement was produced and I reconciled my account to find this issue. We do not use XXXX in any capacity and this ACH debit was in error. Wells Fargo told me because I did not report it within two days, I'm out of luck with them. I'm in the middle of trying to get XXXX to help me but it's impossible as I am not in their system. 
I would like legislation to extend the 2 day dispute period to a minimum of 30 days for businesses. This is a crime and while I can handle {$2000.00}, what if it was {$20000.00} or {$200000.00}? Our businesses need protection.
Product: Debt collection

I am writing because I received a piece of mail from American Express after I asked them many times to be put on their do not contact list. The last time I contacted them, sometime last month via telephone, I made it clear that I wanted to be put back on their do not contact list, as our negotiations had failed, and I would be communicating with them through an attorney in the future. This was the last order I had before ceasing contact with Amex completely and handing this matter off to document handlers and others more qualified than myself : Do not call, do not send me mail, do not send me emails, and do not communicate with me in any other way, shape, and/or form ; and, if you initiate contact for any reason, including legal obligation ( for which I waived my right to receive written disclosures and requested they be withheld and directly given to my attorney, who would be in touch with them in the imminent future ). I not only received a letter from them a couple weeks ago with their response to this complaint, which was mailing information for their legal division, now I received this letter today ... I am beside myself. When I say that I dont want you to contact me, I mean it. I am only going to upload the letter I received yesterday ; however, it should be know that I have received many other letters that fall within various timeframe ( s ) that I requested no contact from Amex. I wasnt going to do anything about these ; however, now that you are once again sending me threatening letters, with messages letting me know you credited some lousy rewards points towards my outstanding balance. This letter is a petty and veiled way to remind me that youre still there. Youre trying to mess with me ; and, I am going to mess back. Now that you reminded me how much distress these letters cause, I am going to take the time to collect every single physical letter that I have gotten from Amex in the past 6 months and send them to my prospective attorney for this case. Im sure he will find it quite useful ; and, not only this letter ( see attached ), but all the 50+ letters that I have from Amex Assurance Dept of your company ( sending me harassing letters about account credits and claims ). This was happening throughout XXXX and throughout XXXX. I have gotten two letters thus far in XXXX. And I have all my mail since this ordeal started.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute through XXXX XXXX, and they helped me out and they said I was right, the account was mine and its under credit collection and its having a hard impact on my credit, the company hasnt tried to remove the collection from XXXX
Product: Credit reporting or other personal consumer reports

Capital one and XXXX pulled a hard Inquire on my credit report. I have no knowledge of this. I believe someone is trying to use my credit.
Product: Mortgage

Received notification that Paymap Inc. and the CFPB has reached an agreement regarding the XXXX program ( AP File No. XXXX ). I either did not receive or have misplaced check and was advised via letter that I needed to request a reissue check by XXXX XXXX, 2016. I failed to do this as I was on vacation. I understand that my check would have been in excess of {$400.00} and I would like to see if consideration could be given to have a check reissued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a dispute with XXXX regarding the American Express Account XXXX negatively reporting to my XXXX Credit File. In my dispute I included court documents submitted by American Express and ordered by the XXXX of a FULL RELEASE, SATISFACTION, AND TO VACATE JUDGMENT. 

On XX/XX/XXXX American Express filed suit against on credit card balances arising from XXXX American Express card accounts ending in XXXX and XXXX. 
XXXX. American Express was awarded a XXXX against XXXX, on or about XX/XX/XXXX, in the principal amount of {$12000.00} and all costs of suit. 
XXXX. The full name and address of the individual whose interest in the Judgment is being fully released as set forth below is XXXX XXXX XXXX, whose last known address is XXXX XXXX XXXX, XXXX, TX XXXX. 
XXXX. American Express declared the accounts null and void and fully released, exonerated, and XXXX XXXX XXXX XXXX, as identified and described above, from the entire judgment awarded, including : ( a ) the principal amount of {$12000.00} awarded by the judgment ; ( b ) all costs of suit ; and ( c ) the operation, force and effect of the judgment. 

Not only was I fully released from all reported debt on my American Express cards, the amount being reported delinquent of {$12000.00} was a total of XXXX cards but is being reported as a single account by XXXX. 

So not only is the amount reported incorrect and due to multiple accounts, not just one. The entire debt has been deemed null and void and by court order, I have been released of all responsibility for this debt. 

Even after receiving a copy of the court order releasing me from all liability of this debt, XXXX has failed to remove the negative account being reported for which I have no liability for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT ED / XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX* DPT ED/XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I've sent this company a cease and desist and they still sent me a letter in violation of 15 USC 1692b ( 2 ) and 15 USC 1692f ( 8 ) They also have violated my right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Sallie Mae XXXX XXXX taken on XXXX/XXXX/XXXX - {$18000.00} balance as of XXXX/XXXX/XXXX Loan taken on XXXX/XXXX/XXXX - {$15000.00} balance as of XXXX/XXXX/XXXX Loan taken on XXXX/XXXX/XXXX - {$16000.00} balance as of XXXX/XXXX/XXXX Loan taken on XXXX/XXXX/XXXX - {$16000.00} balance as of XXXX/XXXX/XXXX I feel that Sallie Mae, along with their partner XXXX routinely engage in unfair, deceptive, and illegal practices I am the primary borrower and my mother is the co-signer. We strongly feel that Sallie Mae mis-represented themselves and had us believe that they were a federal student loan servicer and at the end of graduation, we find out that all of my son 's Sallie Mae loans were private which leaves us in terrible debt along with other federal loans that he also has to pay. 

We are currently in forbearance that will end in early XXXX. According to Sallie Mae, you are put in delinquency after the forbearance period if you can not start paying your regularly scheduled amounts. This is just horrendous not only for me who literally do not make enough in my first job out of college to be able to pay these loans back, but for my parent as well. 

I am also currently also paying other loans. I need Sallie Mae to work with me according to what my currently salary so I can at least start paying back what I can afford to pay back. I 've been told my Sallie Mae that I literally have to be delinquent first, which will ultimately affect my credit, as I 'm just starting out in the corporate world. What are my chances of success if I have to stress so about this currently situation. This is really tough and unfair and clearly I was completely taken off guard when I found out these were all private loans when all along we thought they were federal and under XXXX. 

We need alot of help with this student loan crisis which not only affects me, but includes millions of other young people.
Product: Prepaid card

I'm complaining to CFPB because XXXX company has refuse to resolve my issue and been over XXXX months now. Case number is XXXX & Card number XXXX
Product: Student loan

I am unable to get a lower interest rate on my student loan, which has been 10.75 % with XXXX XXXX, now Navient. If the XXXX XXXX crooks can get loaned money at basically 0 %, then I should have the capability to lower my rate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Chime/XXXX XXXX Dispute Department [ Bank Address ] Formal Dispute of Account Closure and Reporting To Whom It May Concern, I am writing to formally dispute the handling and reporting of my Chime Secured Credit Card account. My account was closed due to Chime closing my debit account, which resulted in my loss of access to the secured credit card. This closure was beyond my control, and I have been unfairly penalized for it. 

I previously submitted a dispute regarding this issue, and within less than an hour, the investigation was marked as complete. This is a blatant failure to conduct a proper review. I demand a legitimate and thorough investigation into this matter. 

Your continued reporting of this account as closed due to my actions is incorrect and misleading. This level of incompetence is financially damaging, and I will not tolerate any institution unlawfully affecting my livelihood. If this issue is not resolved immediately, I will pursue federal legal action against Chime, XXXX XXXX, and any affiliated parties responsible for this unjustified harm. 

I demand that you correct this issue by either : Restoring access to my Chime Secured Credit Card, OR Removing all negative reporting related to this account. 
Failure to act will result in legal proceedings where I will hold all responsible parties accountable for financial harm and emotional distress. 

I expect a prompt written response confirming the resolution of this matter. If this dispute is ignored or dismissed without fair review, you will face legal consequences. 


How can an account be reporting no missed payments on an acct I have no access to I will hold you accountable. 


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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX has violated my rights. 
Convergent Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Capital One is reporting an inaccurate charged off accounts on my reports that I have been disputing with them for some time now. I sent them a letter on XX/XX/2022 requesting validation of this debt and all documents concerning this account. In receipt of my letter they sent me a response requesting that I send them documents concerning this debt which I have attached below. They asked for my information such as a copy of my social security card, the nature of my dispute, account payment history and supporting documents. I detailed the nature of my dispute in the debt validation letter, what I want to know is, how are they able to verify this debt as accurate on my credit reports when they are asking me to validate this debt? Isnt it their job to verify this account as accurate and to have all documents pertaining to this debt that they are asking me? If they can not validate this debt and submit any sufficient proof that this debt belongs to me by law they can not report this account on my credit reports. I am demanding that this account is deleted from my reports now!
Product: Credit card

I have been involved in a fraud investigation with Aspire since XX/XX/XXXX. It has been declined 3 times. Over the past 7 months I have been told by fraud supervisor ( XXXX ) that it was a moto scam. They have credited my account and said they were sending me a refund. I was told that it would take up to 20 days to receive the check. I waited 20 days and called. At that point I was now told that the investigation was declined. It was reopened for review and declined again stating my email matched my name. In XXXX I received paperwork from a company called XXXX XXXX XXXX stating that an unauthorized party obtained data from them. That the data involved included my personal information, email, date of birth, social security number, passport number, driver 's license number, and health insurance information. On XX/XX/XXXX I sent XXXX the new information and was told it was being investigated once again. Yesterday, I received a collection call for the balance of my account {$3.00}. I told the individual that it was a federal crime to try to collect while my account was under investigation. I spoke with 2 customer service supervisors who all agreed. They said they would have the fraud dept call me back this morning. This morning when I contacted them for an update because they hadn't yet called I was told that my account was currently under investigation and that I just had to be patient. But, that it currently showed that it WAS still under investigation. I then received a message from aspire that I had new account activity, that my account balance of {$3.00} was now {$98.00}. So, I called back and was told that my account was no longer in a current investigation that it had been declined as of XX/XX/XXXX the day before my payment was due and that it had acrrued a late fee of {$35.00} per day it was late. No explanation for why it was denied or how it has now been backdated to XX/XX/XXXX. Tonight I went in to pay my balance because I don't want it being reported to credit agengies and it has now jumped from {$98.00} to XXXX. I have paid the balance in full. I orginaly reported this to the police department as well to identitytheft.gov as well. Someone was able to get into my email and obtain my aspire information and used it to purchase items from XXXX XXXX. I found out today that XXXX XXXX issued credits to Aspire in XXXX and Aspire said they have already applied it to my principle. If XXXX has acknowledged this as fraud I do not know why XXXX has come to this conclusion. I suspect that they were fearful that their collection department called me during an open investigation and I called them on it. Then all of a sudden, the investigation is closed and backdated to before my payment is due.