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

TransUnion XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Request for Account Investigation and Removal To Whom It May Concern, I am writing to formally dispute several accounts listed on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Please note that I have provided my identification, including a copy of my government-issued ID, Social Security card , and proof of residency, to facilitate your verification process. 

The following accounts are inaccurate, unverifiable, or incomplete and should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under Section 611 of the FCRA, I request that you investigate these accounts and provide proof of their accuracy, validity, and compliance with all consumer reporting requirements. If you are unable to verify the information in full compliance with federal law, these accounts must be deleted from my credit report immediately. 

Additionally, under Section 609 of the FCRA, I request the full method of verification used to confirm the validity of these accounts. This includes a copy of any documentation you used during the verification process.

Failure to respond to this dispute or to comply with the FCRA and FDCPA within 30 days of receipt of this letter will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for non-compliance. 

Please provide me with a copy of my updated credit report after completing your investigation. I expect this matter to be resolved promptly. 

Thank you for your attention to this matter. I look forward to your response. Request these be removed from tranunion, XXXX and XXXX.
Product: Consumer Loan

Harrassing phone calls, during the times I specifically asked them not to call. Every time we speak I let them know I am unavailable at certain times, and it negatively affects my current job position. However, I still receive multiple calls, back-to-back, during the times i am unavailable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Student loan

In reference to my previous case XXXX, I want to file a formal complaint about the Ipso Facto Clause within the promissory note, which allows the automatic default by the lender upon a creditor 's formal bankruptcy filing. This was the damning clause for me as all my other private/federal loans went into a state of forbearance due to them being student loans. As such, they were not included within the formal bankruptcy debts to be discharged. KeyBank was the only institution that enforced this clause out of all my student loans held and after my discharge the debt went to collections. I feel it an unfair and highly unethical practice to allow lenders to include this clause within the contract if student loans are not dischargeable under normal bankruptcy proceedings, without proving undue hardship. As I made no attempt to prove such hardship during my filing and the inability to regularly discharge the debt, I feel the CFPB should move to block this type of institutional maneuvering and provide consumers with a more fair chance at repayment. Please advise.
Product: Credit reporting or other personal consumer reports

Debt collector violated the no parking rule I have never received written or verbal communication with this alleged debt, debt collectors can't report your debt or your supposed debt to credit reporting agencies without first trying to check with you.
Product: Checking or savings account

I have been trying to get ahold of Bank of America for 6 weeks to ask where is my EDD debit card. The funds are going on and have no access to the funds because Bank of America refuses to answer my questions. I have been out of work for 6 weeks at no fault of my own and I can not get my funds I need to survive.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Account XXXX XXXX XXXX ( Account No. XXXX ) I am writing to dispute the inaccurate information regarding the above-referenced account that is being reported on my credit file. The details associated with this account are completely unacceptable and must be corrected without delay. 

Below are the details of the account in dispute : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Secured Card Date Opened : XX/XX/XXXX Status : Account charged off. {$120.00} written off. {$120.00} past due as of XX/XX/XXXX Balance : {$120.00} Balance Updated : XX/XX/XXXX Credit Limit : {$120.00} Highest Balance : {$200.00} Status Updated : XX/XX/XXXX On Record Until : XX/XX/XXXX The status of " Account charged off '' and the listed balance of {$120.00} past due are inaccurate and unacceptable. I have fulfilled my obligations, and I demand that this account be immediately corrected to reflect a XXXX balance and updated to indicate that the account has been settled. The continued reporting of inaccurate information is damaging my credit.
Product: Debt collection

Rushmore loan payments on my mortgage to XXXX XXXX Rushmore added their own insurance to my account. When it was sold to Rushmore by XXXX XXXX everything was to be the same well my payment went from XXXX to XXXX because this company tacked on a Hazard insurance of {$640.00} and I don't know who authorized it I did not. Looks like this is what kind of business they tend to run as the consumer we need to find a way to put the crooked business out of business account XXXX account XXXX XXXX XXXX I don't know why they also changed name when I have all proof of it with XXXX XXXX and The TIN # assigned by IRS
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute on XXXX XXXX XXXX. Transunion claims they verified but have not produced proof of verification when requested. I know they cant be verifying it because it does not belong to me but they still wont delete it
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX XXXX XXXX  HAD BEEN FALSIFYING LAWSUIT AND FINALLY ILLEGAL JUDGEMENTS WHICH WAS NSERTED IN TO MY EXPERIAN CREDIT REPORTS SEVERAL TIMES.AND RE-INSERTRD TWICE.
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be verified or removed Immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ditech asumed my load that was set up for weekly automatic withdrawalso from day XXXX of my loan. Last week I got a call from XXXX of their debt collectors. He advised me I was behind in payments. After I explained I have automatic withdrawal set up and plenty of money in my account he looked and said they accidentally cancelled my auto pay infomation. He said I would have to go online to set it back up that they could n't do it on the phone. When I went online it only offered monthly payments but noted I could call and setup bi-weekly payments. I called and was informed they had eliminated weekly payments. I feel cheated because they are forcing a change in my payment schedule that I do n't agree with.
Product: Mortgage

Escrow analysis was performed in XX/XX/XXXX. At this time, Amerihome mortgage company erroneously requested the taxes due for the parcel belonging to our neighbors. This added approximately {$800.00} to our taxes and put our escrow in an approximately {$1900.00} shortage. Monthly payments as of XX/XX/XXXX went up from XXXX to XXXX. In XXXX, we requested information regarding this increase as our taxes had not gone up and were told that this information is accurate and in accordance with taxes paid to the county. Due to COVID closures, we were unable to gather information from the county in a timely manner. 
XXXX we were able to receive an answer from the county and learned that we were charged for our neighbors property taxes. We contacted the company via phone several times and were told requests were put in to correct this. We received no answer as to when we should expect a refund or whether we should expect one at all, and were expected to continue and make the increased payments in the mean time. 
On XXXX we contacted the company via email and received a response from their escalation department. We were then told that our payments could not be recalculated until the company received a refund from the county, and that should be expected XXXX XXXX ; however, no automatic payments will be withdrawn in the meantime according to Amerihome, and they will allow us to make reduced payments in the meantime. Today, XX/XX/XXXX, we received an email stating that an automatic payment is being processed. We have not heard anything regarding resolution of this matter, other than an email notifying us that they are still waiting for a refund.
Product: Mortgage

My mortgage was bought by Selene Finance LP last month. My old loan company, XXXX XXXX, was authorized to debit my bank account for the monthly payment. I have received zero correspondence from XXXX, even after XXXX phone calls to the company concerning the transition. I was told that a welcome package would be mailed to my home with the new account number, and I would have to make my first payment via phone, and there after would fill out and submit a form from the welcome packet to authorize Selene to debit my bank account. As to date, XX/XX/2018, I have not received the welcome packet. 
On XX/XX/2018, I was notified by my bank that Selene tried to debt my account for a payment, and that a NSF charge of {$35.00} would be charged to my account, and that Selene was not authorized to debit my account in the first place. 

I am asking Selene be held accountable for an unauthorized charge to my account, and that they refund me the NSF fee that caused by doing so.
Product: Credit card

Discover, one of the nation 's largest lenders, is improperly restricting how loan funds can be used. When extending all non-credit-card products ( including Discover Home Loans, home-equity loans, and Discover Personal Loans, unsecured loans ), Discover explicitly states that the loan proceeds can not be used to pay off existing Discover credit card balances. This restriction appears to violate several laws, including the Equal Credit Opportunity Act ( ECOA ) which prohibits discrimination, the Federal Trade Commission XXXX which prohibits unfair or deceptive practices, and potentially antitrust laws by limiting competition. As a consumer, I should have the right to use my loan funds to pay off my debts as I see fit, regardless of whether the debt is owed to the same lender providing the loan. Discover 's policy unfairly limits my options as a borrower and appears designed to keep borrowers locked into higher-interest credit card debt. 

This is particularly worrisome given Discover 's market power, and the XX/XX/2024 planned consolidation of XXXX XXXX and Discover.
Product: Checking or savings account

I got another letter this time from key bank so 2 different banks XXXX XXXXXXXX and key somebody is opening up checking accounts in my name!!! With what no ID!!!!
Product: Mortgage

OCWEN forced me to accepted a  New Modification in order to hold on to my house. Due to the fact that previous MOD did n ot contained a balloon payment, however, after several court appearance ( which my lawyer that I paid, did not do anything ) and I had to pay the so-called balloon payment including escrow for  XXXX  and  XXXX .     Escrow for  XXXX  was paid and I had a surplus of {$900.00} toward the   XXXX   year.  OCWEN  would not adjust the new mod. I have paperwork from them regarding the escrow. see attachment. file :  OCWEN_letter_pg1 and OCWEN_letter_pg2  I also have a letter from them saying that I had paid the loan in full. Never acknowledge. see attachment : file  XXXX  ( My lawyer did not act upon this letter ).     I have agreed to paid the amount money they said that I owe, but it is under strong protest. However, if I have to pay it, then I will make the payments.     I just wanted to bring this to your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I filed a dispute with all three credit agencies asking for an investigation about the balance reported incorrectly, the close date missing, the date of the last payment missing, the charge-off amount was reported to Equifax XXXX and reported to XXXX & XXXX for {$2900.00} after this account was charge-off and closed on XXXX for the amount of {$2400.00} on XXXX, the company illegally add an extra {$480.00} dollars after requesting proof of payment history, the company sent me a transaction history with no explanation or record of the added {$480.00} dollars and all the extra data for the payments missing. 
XXXX XXXX has reported my account XXXX times 90 days late to Equifax and XXXX I need to find out what happens with all the data for payments that are missing in XXXX, XXXX, Equifax please help me resolve this abuse by this company and make sure the information is reported 100 % accurate. 
to all of the credit agencies. sorry about my grammar but XXXX is my second language I will attach a copy of all three credit agencies ' reports for your review.
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 CARD XXXX Balance : {$5000.00} XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$4300.00} XXXX  XXXX XXXX Balance : {$750.00} XXXX  XXXX XXXX Balance : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau : I am contacting you because I understand that the Consumer Financial Protection Bureau helps consumers by providing educational materials and accepting complaints, and that your bureau supervise banks, lending institutions, and large non-bank entities, such as credit reporting agencies and debt collection companies. I submitted a request to Transunion on XX/XX/2022 showing that there are incorrect information being reported on my credit profile. I requested that they validate the inaccurate inquires on my credit report with the companies as I demand to see verifiable proof of any original documentation associated with these inaccurate inquires accounts bearing my wet-ink signature, authorizing an inquiry. I sent XXXX a certified letter letting them know that the info was incorrect and it has been well over 45 days and I have not gotten response as of today XX/XX/2022. 



The Fair Credit Reporting Laws are in place to ensure that bureaus only report 100 % accurate credit information therefore the below inquires needed to be investigated. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and is a serious breach of my privacy rights. Also according to Section 609 ( a ) ( 1 ) ( A ), the credit bureaus are required by federal law to physical verify the original signed consumer contract, any and all accounts that you post on your credit bureaus credit report. I am respectfully requesting that the Consumer Financial Protection Bureau assist me with having these fraudulent inquiries accounts removed from my credit report as they have hurt my ability to obtain credit. Under the FCRA, I also requested that if XXXX was unable to provide me a copy of verifiable proof, that they must remove the inaccurate inquires accounts from my credit report. In closing, I would like to thank you for taking time out of your busy schedule to review my request! 



Please let me know the outcome of this request. 



Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I desired to have a " work at home '' business. So, I formed a lot of accounts with companies on the internet, ( most of which were at the " free '' level of the services ). Then, because I do n't know how to budget my money like a professional, I got into debt and had to go to XXXX. Now, about a few years later, I am still receiving many emails with claims from companies who claim that I used their services without paying them, even though I never really used their services for anything. I sent a complaint to XXXX and they are trying right now to assign me with a knowledgeable attorney. The idea is to write a letter to the bank, ( which is JP Morgan Chase bank ), that I want to remove my authorization permanently from scams that have been perpetrated on my debit and credit cards.
Product: Credit reporting or other personal consumer reports

I want these accounts to be removed from my credit because they are not mine and they are negative, they hurt me. 

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

I submitted my Complaints # XXXX, XXXX, XXXX last XX/XX/22 but it seems that you have closed it on the same day. I sent a letter on XX/XX/22 to XXXX Credit Bureaus to remove inaccurate personal information and accounts : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$97.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$93000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$30000.00}
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any itema listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 Balance : {$230.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.