23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

IM RECEIVING LETTERS OF INTENT OF FORECLOSURE FROM MY MORTGAGE COMPANY AND IVE MADE MY PAYMENTS I HAVE MADE THE LAST 2 MONTHS OF PAYMENTS AS PARTIAL PAYMENTS BUT THE WHOLE AMOUNT FOR EACH MONTH HAS BEEN SENT TO THE MORTGAGE COMPANY. EVERYTIME I CALL THEY TELL ME THAT THEY DONT SEE WHERE IVE MADE A PAYMENT BUT I KNOW THEY RECEIVED IT BECAUSE IT HAS BEEN TAKEN FROM MY CHECKING ACCOUNT JUST LIKE IT ALWAYS HAS SINCE MY LOAN WAS SOLD TO THEM. THE MORTGAGE COMPANY HAS SENT SEVERAL CERTIFIED LETTERS OF INTENT OF FORCLOSURE AND HAVE HAD A CONTRACTED PERSON COME TO MY HOUSE AND SERVE PAPERS AND WANTING TO TAKE PICTURES OF MY PROPERTY. IM NOT EVEN A MONTH BEHIND ON MY PAYMENT SO I DONT UNDERSTAND WHY ME AND MY FAMILY ARE BEING HARRASSED LIKE THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I submitted credit report disputes to all three credit bureaus : XXXX, XXXX, Transunion, which were received on XX/XX/2018through certified mail. 
I specifically stated in writing that the accounts listed on my report were NOT VERIFIED accounts by the creditors. I also requested WRITTEN PROOF with my signature on the ORIGINAL ALLEGED CONTRACTS that I signed with said creditors. 
I have NOT been sent any information by any of the creditors submitted that I owe these debts that have been sitting on my credit destroying my chances of purchasing a home. 

I received letters onXX/XX/2018 from XXXX and Transunion. 
I WAS NOT provided the information I requested, providing PROOF that the accounts belong to me. 
Which STILL leaves the accounts UNVERIFIED. As it pertains to the definition of the word. 
In my letter it clearly states my rights under FCRA Section 609 a. The right to request PROOF of all accounts UNVERIFIED. 
All I received was the same report, with verbage that stated that the accounts belong to me. This is unethical and illegal to not only keep accounts on my reports, but to continually state that these accounts belong to me WITHOUT PROOF of contract. Along with this, many misspellings of my name, attached to the Reports. 
These companies are accepting merely, WORDS with no PROOF from companies they receive money from in order to place these accounts on my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX I have previously disputed the accuracy of this charge off account with Equifax and provided evidence that the information is inaccurate. However, Equifax has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax 's refusal to comply with this law is a clear violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. There are OBVIOUSLY 2 different dates listed under " date of last activity '' which is a violation of the FDCPA. I will attach my credit report to show this discrepancy. Also, when contacted, the original creditor did not confirm the balance reporting, nor the account at all. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence showing me signing anything agreeing to pay your company the alleged balance. Furthermore, I have requested your method of verification and you have not complied, as well as your license to collect debt in the state of GA, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ) and FDCPA. In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA. You are reporting inconsistent payment history and different information for the date last reported. I'm afraid your company 's furnishing isn't valid nor reliable and I refuse to believe anything you are reporting because you lost all credibility by furnishing inconsistent information. Please see the inaccurate information attached and remove this account from my credit report due to defamation of character, unverifiable information, gross misconduct, and abuse of FDCPA regulations.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX POTENTIALLY NEGATIVE Date XXXX Balance {$2100.00} StatusCollection account. {$2100.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX POTENTIALLY NEGATIVE Date XXXX Balance- StatusClosed. {$20000.00} written off. 

XXXX POTENTIALLY NEGATIVE Date XXXX Balance {$800.00} StatusAccount charged off. {$800.00} written off. {$800.00} past due as of XXXX XXXX. 

XXXX XXXX XXXX POTENTIALLY NEGATIVE Date XXXX Balance- StatusPaid, Closed. 

XXXX XXXX XXXXXXXX XXXX POTENTIALLY NEGATIVE Date XXXX Balance- StatusPaid, Closed. 

XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX Date : XX/XX/year> Equifax XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Medical Collection Account Request for Immediate Removal Dear Equifax XXXX Department XXXX I am writing to formally dispute the medical collection account listed on my credit report under the name of XXXX XXXXXXXX XXXX XXXX XXXX which pertains to charges from XXXX XXXX for XXXX XXXX 
This account is being inaccurately reported by XXXX XXXX XXXX XXXX. 
On XX/XX/year>, I submitted a formal complaint against XXXX XXXX XXXX XXXX through the Consumer Financial Protection Bureau ( CFPB ) under complaint number # XXXX, requesting full validation of the debt as required by the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX responded on XX/XX/year>, stating that they obtained an itemization of charges from the creditor and that the account remains marked as disputed. However, they failed to provide the legally required documentation, such as the original signed agreement or contract verifying this debt, nor did they address XXXX compliance issues. 
Given that XXXX XXXX XXXX XXXX has not provided sufficient documentation to validate the accuracy of this account, I request that Equifax immediately remove this account from my credit report pursuant to FCRA XXXX XXXX. XXXX, which mandates the deletion of inaccurate or unverifiable accounts. 
Please find enclosed the following : XXXX. A copy of my formal CFPB dispute against XXXX XXXX XXXX XXXX dated XX/XX/XXXX, XXXX. XXXX. XXXX 
Their response dated XX/XX/year>, acknowledging the account is in dispute but failing to provide proper validation. 
A copy of my identification and proof of address for verification. 
I expect this account to be removed from my credit report within the XXXX investigation period as required by law. Additionally, I request that an updated copy of my credit report be provided to me once this account has been removed. 
Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

About you Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX City : XXXX State : Florida Zip Code : XXXX Country : USA What happened I was introduced to XXXX XXXX XXXX from my text mesages on phone. She shared her XXXX information and told me about XXXX through coin base wallet defi apps. I deposit small amount into successfull-vip mining pool and saw returns for 1 month. I then deposit {$6500.00} through wire transfer from my bank which is called XXXX XXXX XXXX XXXX. My funds were stolen from my wallet and neither COINBASE OR XXXX XXXX XXXX XXXX are not doing anything to resolve issue. Please call me XXXX : XXXX, XXXX at XXXX XXXX XXXX if i can assist you more. XXXX also my email
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX a collection debt appeared on my credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX They state that I owe XXXX XXXX {$830.00} for a payroll loan. I do not remember receiving anything in writing by the united states post office for this debt. I do n't remember taking this loan. I asked Experian to investigate and they came back and said it is valid and they would n't remove it from my report. I still have not had them send me anything at all in writing.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate bankruptcy entry that has appeared on my credit report. As a diligent consumer, it is imperative for me to ensure the accuracy of my credit history. To facilitate a thorough investigation into this matter, I kindly request access to the LexisNexis report associated with my credit file. Having access to this comprehensive report will enable me to provide additional evidence and context necessary for resolving this dispute effectively. I understand the importance of accuracy and reliability in credit reporting, and I am committed to working collaboratively with you to rectify this discrepancy promptly. I can not afford Postal what is why I am asking help from CFPB. Please send within 3-5 business days to my email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a 30-day late payment reporting on my credit card for the month of XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. The new account I used to pay was entered wrong by somebody at Penfed and as a result, I now have a 30-day late payment on my credit report. I have never been late a day in my life with this company.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : [ HUNTINGTON NATIONAL BANK ] [ XXXX ] XXXX : [ HUNTINGTON NATIONAL BANK ] [ XXXX ] XXXX : [ HUNTINGTON NATIONAL BANK ] [ XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Debt collection

I got a credit report from XXXX while I was applying for a job with XXXX in XXXX, XXXX. The XXXX. sent a false report to XXXX causing me not to get hired. These are some of the problems with my credit reports : 1. AR Resources is a collection service that said I owed XXXX dollars to XXXX XXXX ( XXXX ) XXXX or ( XXXX ) XXXX. When I called XXXX, I had a XXXX balance because XXXX has paid all of my bills. 
2. I never lived at XXXX, XXXX XXXX 3. I do n't know what these are because I never made or met these : XXXX and XXXX and XXXX Card.
Product: Checking or savings account

On XX/XX/XXXX, I was locked out of my account for a XXXX time after CFPB got me back into my account, Citi Bank said they could not verify me so I couldn't get into my account. I was allowed access on XX/XX/XXXX and by the XXXX I was locked out, the reason I was able to get into my account was because they sent me a letter and I gave Citi Bank the code that was on the letter. After I was told I would have access to my online account within the hour after a day went by I called them to get access to my online account, but Citi Bank couldn't verify me. They look up your phone number from a XXXX party and my phone number is under my niece 's plan. It's the same number I signed up with but it's not on public records under my name so they said they would have to send a paper again, however just like the first time, I only got a paper saying to call them. Last time I was locked out for almost a month, so once I got in I was going to XXXX everything over, I needed online access to do that, I just need access to my money again. Attached is a letter from my business account stating that I tried to dispute the XXXX transactions.
Product: Checking or savings account

I have a XXXX with Wells Fargo that will mature on XX/XX/XXXX. I dont want automatic renewal. I want the funds, upon maturity, be transferred to my checking account at the same bank. Bank policy is that I would have to physically be at a branch to accomplish this. However I already know XXXX be overseas around that time and cant visit a branch. I have had a similar issue previously and eventually was resolved ( after much delay ) by reaching senior enough banker in the bank. This is unacceptable.
Product: Vehicle loan or lease

Santender Consumer USA reprocessed car on XXXX and have video of them doing so with someone on motorcycle trying to break in with a jimmy and alarm went off and they fled scene and tow truck then pulled up and took it. XX/XX/ found out it was at XXXX XXXX XXXX and when I got there they informed me that the car was sent to XXXX XXXX in XXXX XXXX XXXX on XX/XX/ & also that they took my things out car which several things was Missing including my id and tax forms. I had until XX/XX/ to pay to get my car back. In addition they had my auto loan reporting as account closed on XXXX  as well, which was a week before I had to pay to retain car. Several employees in there executive suite department participated in deceptive tactics to cover up there mistakes that XXXX in executive suite pointed out to me and he made arrangements to stop selling of car at auction and stated to me directly that he would assist in Amicably fixing this issue by making arrangements for arrears and compensation financially for missing items upon review and assistance to getting my id and tax forms back due to fear of identity theft and theft of tax return on XX/XX/2023 which was same day was to be sold at auction. I called back several times after the weekend and got different employees in the same executive department and they all said I had to all of a sudden pay full amount of loan after I was directly told other wise by XXXX. I asked several times to have XXXX contact me and they said he didn't have a extension but sent him a message and NEVER A RETURN CALL FROM XXXX XXXX also stated to me directly on recorded line that they violated several consumer rights and he understood if I wanted to pursue other legal compensation ACTIONS as he said in acknowledgement of there WRONG doings, in addition he stated also they had a special department to have the repo reporting on my credit reports removed. Nothing has happened as I was told which led me to asked do they operate under uniform policy as a company or do individual employees can handle a situation as they please. I'm asking for Amicable actions and the company Santender to hold there employees responsible to follow through with what I was told would happen as a consumer.
Product: Student loan

I'm a co-signer on my daughter 's loan she had with XXXX XXXX. She applied for a {$20000.00} loan, but was approved for {$17000.00} at 7.5 % interest - dated XX/XX/XXXX. Letters I receive still have it that she applied for a {$20000.00} loan at 9.625 %. 
The full amount was never used. There was going to be 4 disbursements. 
1 ) XX/XX/XXXX - {$7900.00} - Disbursed 2 ) XX/XX/XXXX - {$3300.00} - Disbursed ( On XX/XX/XXXX I informed XXXX a representative of XXXX XXXX that the 2nd disbursement of {$3300.00} was not needed. I informed financial aid at XXXX ( XXXX ) XXXX to send back the disbursement. I also was given the website XXXX/disbursement to check on the status. 
3 ) XX/XX/XXXX - {$3300.00} - Cancelled 4 ) XX/XX/XXXX - {$3300.00} - Cancelled The only amount that was disbursed was {$7900.00}. XXXX XXXX informs us that we owe for the first and second amounts - $ {$11000.00} Payments aren't being credited Harassing phone calls, letters and contacting family, friends who have nothing to do w/loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be repaired or deleted as soon as possible. 
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: Credit card or prepaid card

I applied for an XXXX rewards card from Barclay bank. Was sent a letter indicating that I had to mail the following items to them : drivers licens Social Security card and current utility bill. This provides anyone with the all the pieces of information to steal my identity. IN addition if I don't send it they will deny my card..and already affected my credit rating due to the hard inquiry.
Product: Student loan

Going through the options, there isn't a description adequate enough to describe my complaint or concerns. I have filed a pervious complaint only for Navient to gloss over the document provided and not address my initial compliant. 
" When Navient stated they have no record of my loan being closed and to submit a copy of the revelant section of my credit report, I did that. In my original complaint I submitted a copy of my XXXX XX/XX/2021 credit report where it clearly list my student loan as closed, account status " CLOSED. '' That's the reason for my inquiry. This caused my credit score to spike to XXXX and then suddenly drop again. I've already inquired with the credit company and they stated they are reporting what Navient reported. '' If my student loan was canceled under the Biden Student Loan Cancellation program, I want to know. I don't want to be paying on a student if that's the case. Navient needs to address the document enclosed with the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018..I called transunion and expressed to them the concern I had about inquiry in my credit..Customer service would not help take off the negative inquiries reporting on my credit report
Product: Money transfer, virtual currency, or money service

Commencing on or around XXXX XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX CAD from my Crypto.com account to a fraudulent investment firm.
Product: Mortgage

I paid {$500.00} to Amerisave on XX/XX/XX/XX/XXXXtowards an application to refinance my mortgage. 4 months later I have no idea when I might close with them. They didn't realize that I wanted to subordinate a HELOC, even though on numerous occasions I pointed out that the disclosure forms included closing costs of over 30,000 which didn't make sense, especially since I had just opened the HELOC and didn't want to close it. I have requested documents from Amerisave on XX/XX/XXXX so that the HELOC will be subordinated and my requests have been ignored. I then contacted my loan processor ( who has been responsive to my emails ) and customer service requesting a refund of the {$500.00} since they had not otherwise replied to me, and I have not received a response from customer service. I email customer service and the loan processor on XXXX, and again on XXXX but no response. The email on XXXX informed the loan processor and customer service that I intended to make a complaint to the CFPB. I waited 2 days before filing this complaint but have not heard from Amerisave.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removal of the incorrect information about my account has been diligently neglected by Equifax. Despite sending them the last request, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/2021 Balance : {$920.00}
Product: Bank account or service

On XX/XX/2016 my son, XXXX XXXX XXXX, died. He had set up a living trust with his XXXX sons as successor trustees. He had created a trust banking account with Chase Bank. There are funds in that account totaling approximately {$450000.00} which the bank has thus far refused to release to the boys. It has been 5 months now and the account has only accrued {$13.00} in interest. This appears to be criminal in my opinion. The boys wish to invest in homes for themselves with these funds.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts from my report, they are hurting my ability to obtain credit, please remove all fraudulents accounts : XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX TRANSUNION
Product: Debt collection

Received information concerning a debt.Unaware of debt never and contacted.