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

It has been a battle going through this and I am submitting this Complaint to delete the following fraudulent information in my Credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete these items as soon as possible : XXXXXXXX XXXX XXXX XXXXXXXX, OK XXXX ; XXXX XXXX XXXX, OK XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} ; XXXX XXXX XXXXXXXX Balance : {$3400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, OK XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, i was working on refinancing my loan back in XXXX and XX/XX/XXXX, my refinance was finalized in XX/XX/XXXX and my mortgage for 2 properties were paid off in XX/XX/XXXX. Originally, the refinance was supposed to be finalized in XX/XX/XXXX but was delayed 1 month. I made my mortgage payments for both loans for XXXX as soon as I found out that the closing is not happening until XX/XX/XXXX. I paid both mortgages from the same back account on XX/XX/XXXX. Both payments went through and I received a confirmation. only to find out on XX/XX/XXXX that my payment to Suntrust  was returned, I called Suntrust and they couldn't find the issue so they submitted a new request and the payment went through. I don't understand how the payment for 1 mortgage went through but not the other. I had over $ XXXX in the account I paid from. Both accounts were paid off on XX/XX/XXXX. I don't think it is fair for me that my credit score is ruined by over XXXX points because of this mistake. I had the money to pay my mortgage, i made my payments within the month of XXXX and both mortgages were paid off on XX/XX/XXXX.
Product: Mortgage

I have called the SPS service center several times in the past few weeks and as of XX/XX/XXXX the XXXX XXXX XXXX is still showing that the taxes have not been paid ( at the time of this writing XX/XX/25 I have paid the taxes out of my own account plus the penalty ). Per my conversation with the last agent, they advised me to send this letter via fax and email ( which I have done ). Since SPS is escrowing my taxes and responsible for paying my taxes on time, it is SPS responsibility to pay the interest due for being late. Taxes are due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have attached the letter showing that the taxes are late, a copy of the tax statement from XXXX XXXX and a screen shot showing the interest for the delinquent taxes as of XX/XX/XXXX. I have also requested a release from my escrow account since SPS is not servicing my account as needed. I own several properties and others in the past and have never had any of my mortgage companies pay taxes or insurance late. I want a response within ( 5 ) business days or I will send this to my attorney ( they have yet to respond ). My contact information is listed below. I have emailed, faxed and uploaded this letter to my documents to SPS website.
Product: Debt collection

XX/XX/2021 I received an alert from my XXXX XXXX XXXX that a derogatory issue was added to my credit account. I opened the mail and saw the name as Sequium Asset Solutions. I called my bank to get the telephone number. I called the company. They said it was a bill for XXXX XXXX XXXX XXXX for {$1000.00} some dollars. They asked did I ever live on XXXX XXXX in XXXX. I have never lived at this address and never did any business with XXXX XXXX XXXX XXXX. This is fraud. I have no knowledge if this bill or this address. 
Thank you,
Product: Debt collection

Debt collector under the name ( credit management company ) put a derogatory mark on my credit score that left my credit with a XXXX points. From a debt I paid off 6-7 years ago, this company from what Ive read, does this often to people, they commit fraud. By reusing old debts paid off or by plain making the debts up. This is a fraud and a scam company that needs to be stopped not just for my sake but the poor elder people that stress just as much as I do over these things.
Product: Money transfer, virtual currency, or money service

Approx. XXXX of XXXX, XXXX apparently changed the payment due date on my credit account with them from the XXXX to the XXXX of each month. If they did indeed actually send me a notice, I wasn't able to pick it out among all the constant legalese that they're sending me. For years, I've always sent my payment to them by the due date on the XXXX, but last month I noticed that I had been getting late charges on the account which prompted me to look into it and discover the date change. I immediately did an online chat with them where I explained the situation and was told that the charges would be removed, Yesterday ( XX/XX/XXXX ), I noticed that XXXX late fee from XX/XX/XXXX for {$29.00} had not been removed, so I did the online chat again and was told that only XXXX removal per year was allowed ( apparently they had missed this one ) and that they had properly informed me of the due date change. I submit that in the original chat session, I had been assured that all late charges that had been caused by this date change would be fully, not partially, removed.
Product: Credit reporting or other personal consumer reports

This account is listed as a charge off on my credit report, but I have never received a form 1099C for this charge off debt Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update credit report accordingly or delete immediately. Pursuant to 15 US section 1681 ( 6 ) ( A ) of the fair credit reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 vdays bof the completion of your investigation. I appreciate your prompot attention to this matter as thess may seem like small reporting errore to you but they are serious offenses on my credit report when it is time to purchase a home for my family, a vehicle, look fora business loan or eevn obtain employment. Please consider expediting this process for me. Thank You
Product: Credit reporting

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Credit card

I was charged late fees on more than one occasion and no one seems to want to remove this issue in a timely manner. 
About 2 billing cycles ago, I went into the walmart store to make a {$25.00} payment on my walmart credit card. I did n't have the actual statement with me but since my previous minimum amount due was {$25.00} that is what I paid. The next month I realized that my payment was actually {$4.00} shy and I was charged a {$35.00} late fee!!!!!! I immediately contacted customer service to complain and was told that the late fee would be removed. That said, I made my normal payment on the due date and was charged ANOTHER late fee. Today, on XX/XX/XXXX after noticing that nothing has been corrected and that late payments are still being applied to this account, i paid {$35.00} as everything else is late fees that are continuously being applied to my account all over a payment that was MISTAKENLY {$4.00} shy. I had also requested months ago that my payments be due on the XXXX of each month, I believe that request only lasted for one month and now the payments are due on or about XXXX/XXXX of each month which is not what i requested at all. Lastly I want to make sure they WM is NOT reporting that I have been paying my account late to the credit agencies because that is not the case!! I would have loved to get this issue resolved via customer service but no one over there has been of any help.
Product: Credit card or prepaid card

On XX/XX/2020 I received a voice mail from Chase. The voice mail as transcribed by my assistant was : " Hello, this message is for XXXX. My name is XXXX and I'm calling from Chase in the executive office regarding the concern that you submitted to the cfpb. Wanted to let you know that has been received in our office, and we will begin researching it at the same time. If I do have a complete resolution, I will provide that information to you by phone and then we also respond directly to the cfpb in by letter. If you have additional questions prior to receiving my response, you can return my call at XXXX. The extension number is XXXX, and my normal office hours are Monday through Friday XXXX XXXX Until XXXX XXXX Eastern Standard Time. Thank you and have a great day. '' I had previously informed Chase that I prefer not to communicate via telephone. It looks like Chase has not informed its associates about my communication preferences.
Product: Credit reporting 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. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is my 3rd complaint. When I talk OSLA and challenge the debt. They tell me to get a lawyer and hang up on me. They do not leave voicemails nor do they send a bill in the mail. This was DISCHARGED on my husbands due to XXXX  XXXX. He is the ORIGINATOR. This is a PERSONAL and NOT a federal debt for student loan. The company keeps avoiding these facts and will not address my actual and factual complaint. This is a 17 year old loan. Attached is a screen shot of statute of limitations and this loan should no longer be owed and discharged. Period.
Product: Mortgage

Bank of America through their Trustee Attorney XXXX and XXXX, XXXX XXXX and their subsidiary XXXX XXXX XXXX XXXX ( XXXX ) misrepresented material facts related to the excess proceeds during the hearing of XXXX XXXX, XXXX. Specifically, XXXX and XXXX, XXXX. misrepresented the amount of the excess proceeds by omitting the interest paid on the principal balance and only submitting the principal balance to the California Superior Court, case number XXXX. 

Title has not been transferred on the subject property. I am currently homeless and would like to gain possession of my real property and all other previously requested desired resolutions.
Product: Credit reporting or other personal consumer reports

I have asked for help in regards to these items that should not be reporting on my file. As these are inaccurate
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redressunfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Student loan

The process to do anything about student loans is ridiculous. I 'm trying to consolidate my loans and I have had to deal with at least XXXX separate agencies to accomplish this. Student assistance Corp, Navient, and now studentloans.gov. Stop making everything so complicated. When I called Navient for details on all of the information about my loans the call center rep was n't really sure about all of the loans that I had with them. She also stated that she did n't have access to all of my accounts. That leaves me with zero confidence that anything that is being serviced by them is legit.
Product: Credit card or prepaid card

Called in XXXX to make a payment and recieved a conformation. In XXXX I received a notice from collection that payment was not received. They did not notify me by mail or phone. In XXXX of 2021 I was asked to verify my phone number, which did not change, and the employee entered it wrong. I was charged late fees and intrest which they refused to correct
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX  XXXX XXXX Balance : {$0.00}
Product: Mortgage

Good afternoon, XXXX this message finds you well. 

My name is XXXX XXXX. I have banked with JP Morgan Chase for over 15 years. I have a checking account and Home equity loan with them. In XXXX  during the height of predatory lending, Chase offered me a Home Equity loan of {$150000.00} at a very high fixed interest rate of 8.6 %. The Chase representative did not explain to me that I would initially pay interest-only for 10 years straight, and a fixed amount of {$1300.00} monthly through XXXX. And I had no lawyer in the room to explain to me what I was signing. I recently attempted to pay {$40000.00} into the principal, but was told that even after that payment, my monthly fixed payments would not change until I finished paying off the loan in XXXX. 

For the last 15 years plus, I have paid Chase well over {$230000.00}, at a very high interest rate, but my current balance is still over {$130000.00}. It means over the last 15 years, I have only paid just over a thousand dollars per year towards my principal. I believe this is very unfair and very bad business practice from JP Morgan Chase Bank. 

I have approached the Chase Executive Office many times to come up with a settlement as my contract is not sustainable. They always tell me I signed the contract/promissory note in XXXX, and there is nothing they can do. I have been a loyal customer with Chase all these years, and still in good standing with all my payments. But the contract I have with Chase is very unfair to me. I am a hard working professional, but Chase bank has taken advantage of me. 

I really need help to settle this Home Equity with JP Morgan Chase Bank. Can you please help me? Please! 

With thanks, XXXX XXXX. 
Cell : XXXX XXXX XXXX Home address : XXXX XXXX XXXX, XXXX  XXXX, XXXX, NY, XXXX.
Product: Credit card

Hello, this is XXXX XXXX, My card has been restricted. Activate my cards or give me new credit cards and make both my accounts an open-ended consumer credit plan. 

12CFR 1026.13 15 USC 1666 16 CFR 1026.13 D 1-3 Please show Documentary evidence for why you have shut down both of my credit card accounts : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX  ) Asking for Documentary evidence puts my accounts automatically in the DO NOT PAY DO NOT COLLECT STATUS. 

Section 15 USC 1666 a. 
Can not report late payment. Can not close the account until there is a resolution for the billing error.if you do not then you are violating my rights.

15 USC 1666 b. Timing of Payments An Open-ended credit plan consists of more than 4 installment payments. I should have an open-ended consumer credit plan. 

Anytime my accounts have a balance of an excess of {$1.00}. It should be immediately transferred to my bank account. 
The top part of the statement is the bond, and the bottom part is my dividend check which is supposed to be deposited into my bank account according to the Electronic Funds Transfer Act. Please transfer all of my funds since the day I started my Capital One account. 

Routing number : XXXX Account number : XXXX A creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as a late payment for any purpose.

Committing Mail Fraud under 31 USC 3123 Every Statement is supposed to say : You are not obligated to contract this is for solicitation.

Capital one is Trading my SECURITIES ON THE SECONDARY MARKET!!!! 
according to Capital One 's prospectus, they are not supposed to trade my securities on the secondary market. This is a violation of the Security Exchange Commission ( SEC ). 

Thank You XXXX XXXX XXXX Rights Reserved
Product: Money transfer, virtual currency, or money service

Compass Bank which changed over there name to BBVA USA Consumer Accounts. There were two personal accounts. Which were called CD they were purchased at different times. The teller who did the accounts never posted the second account correctly. And the second account is now lost or stolen by PNC Bank N.A.Consumer Account.BBVA USA Consumer Account defrauded myself and someone else by transition To PNC Bank. N.A Consumer Accounts. And there stating never been found or it has been a mistake on my part.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. Please update these accounts as well : XXXX XXXX XXXXI contacted the company via phone call and they agreed to update the account to reflect open/not late status. Please update your records. 

XXXX XXXX XXXXThe balance is reported wrong. Please update the account to closed and the balance to {$0.00}.
Product: Debt collection

I opened a joint bank account with my then XXXX months ago. After the bank was open, I was not ever given checks, debit cards, or access to this account. I was told by the main account holder that he closed the account and pulled out all of the money. when in fact this was not the case the account was closed due to account abuse. I never received a call from the bank or any letters stating this was the case or a balance was owed. 
After I tried opening just recently my bank account, I was denied due to an outstanding balance I was not aware of. In the amount of {$2000.00}. I made contact with the bank, and they let me know I wanted off the account. They then told me they could not help me because it was transferred over to a collection agency. I told my story to the collection agency that I wanted my name off this debit because I was never allowed access to it. They let me know that I was responsible for it unless the main account holder called to release my name. I let them know I no longer had contact with this person that he was in XXXX  on felony charges, and that I wanted no communication with him. I told them that this balance was not mine as I did not do any activity on this account and that it should be solely his debit. The manager let me know that it was not just his it was mine also and I was responsible for payment. I explained I had no way of paying them that the relationship I was in took every single one of my checks and I had no money to my name. I am trying to get back on my feet and this is one thing that is holding me back. They were no help and told me they could drop payments down, but it would remain in my name, and I had to pay it. 
I called the Sheriff 's station in the city I lived in and filed a report, I was then advised by the DA to make a report as this could be added to the charges that are already under the main account holder 's name. All I want is for my name to be taken off of this account as I never had access to it.
Product: Credit reporting or other personal consumer reports

Name spelled wrong ; addresses that I have never lived at ; phone numbers I have never had. Paid & closed accounts showing delinquent
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV is reporting a fraudulent account on my credit. I didnt open this account nor did I authorize anyone to do so on my behalf. I have tried to dispute this account but it keeps getting verified, even though its clearly not mine. I am requesting the removal of this fraudulent account from my credit file.
Product: Debt collection

I received a letter dated XX/XX/2022, from Credence LLC stating I have an alleged debt that they have overtaken. They are asking for me to send them {$1500.00} to resolve a so-called account that their company has taken over.